JP2009289249A - Automatic transaction apparatus and electronic money charging method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an automatic transaction apparatus and an electronic money charging method, wherein even when whether electronic money can be practically charged in an electronic medium or not is unidentified, consistency between the success or failure of the unidentified charge and account information can be taken in succeeding charge or the like. <P>SOLUTION: An electronic medium identifier for specifying an electronic medium and electronic medium information including an electronic money balance amount usable by the electronic medium are acquired, a specification amount to be charged in the electronic medium as electronic money is input, the input specification amount is drawn from an account corresponding to the acquired electronic medium identifier, the drawn amount is charged in the electronic medium, and whether the drawn amount is charged in the electronic medium or not is confirmed. When the charge is not confirmed, unidentified information indicating whether the drawn amount is charged or not is unidentified is generated, and error information including the generated unidentified information, the acquired balance amount and the drawn amount is transmitted to an account management server. <P>COPYRIGHT: (C)2010,JPO&INPIT

Description

  The present invention relates to an automatic transaction apparatus and an electronic money charging method for charging electronic money with electronic money whose electronic value is replaced with electronic information, and in particular, charging the electronic medium from a user's account in a contactless manner. The present invention relates to an automatic transaction apparatus and an electronic money charging method for preventing inconsistency between an amount charged to an electronic medium and a withdrawal amount from an account.

  In recent years, electronic money systems using electronic money in which the value of currency is replaced with electronic information have been introduced in public transportation means such as trains and buses and various shops. In such an electronic money system, electronic money is deposited or added to an electronic medium such as an IC card, and so-called charging is performed as follows.

  First, when directly charging cash, the user sets an electronic medium in an automatic transaction apparatus that performs electronic money charging, and displays the balance of electronic money in the electronic medium on a display. And when there is no balance, or when there is little balance, a bill and a coin are inserted in the automatic transaction apparatus which performs electronic money charge, and the designated amount is charged to an electronic medium as electronic money. Alternatively, when charging from an account, an electronic medium is set in an automatic transaction device (ATM) having an electronic money charge function, and the host computer connected via the network is accessed and managed by the host computer. The specified amount is charged to the electronic medium as electronic money from the account information of the user (see Patent Document 1).

Furthermore, when the specified amount is charged from the account as described above, if the electronic medium is not charged due to some trouble, processing is performed to return the account from which the specified amount has already been deducted to the original balance. . This process is sometimes called reverse update.
JP 2006-65620 A

  However, when charging electronic money from account information using ATM or the like, a non-contact reader / writer (R / W) mounted on the ATM and a non-contact electronic medium (or a mobile phone having an electronic money function) Depending on the state of wireless communication between the devices, it may be unclear whether or not the charge information to be charged has been charged.

  For example, if a non-contact electronic medium or the like is separated from the R / W when charging the electronic medium, depending on the timing of the separation, the ATM normally executes the charging process, and the electronic medium is also normally operated. Despite being charged, it may not be possible to confirm that the battery has been charged normally, or the electronic medium is normal even though the ATM is performing the charging process normally. It may be unclear whether the battery has been charged because it is not charged.

  In this way, when it is unknown whether or not the charge information to be charged has been written, the necessity of reverse updating of the account becomes uncertain and the reverse updating of the account cannot be performed substantially. There was a problem that the success or failure of the charge and the account information could not be matched.

The present invention is for solving such a problem, and even when it is unknown whether or not the charge information to be charged has actually been written on the electronic medium, it is not known at the time of the next charge or the like. It is an object of the present invention to provide an automatic transaction apparatus and an electronic money charging method for performing electronic money charging capable of matching the success / failure of a charge and account information.

The present invention employs the following configuration in order to solve the above problems.
That is, according to one aspect of the present invention, the automatic transaction apparatus of the present invention is connected to an account management server that manages an account via a network, and is an electronic money charge automatic transaction apparatus through wireless communication with an electronic medium, Electronic medium information acquisition means for acquiring electronic medium information including an electronic medium identifier for identifying the electronic medium by performing wireless communication with the electronic medium, and a balance amount of electronic money usable in the electronic medium; The designated amount input means for inputting the designated amount for charging the electronic medium as money, and the designated amount input means from the account corresponding to the electronic medium identifier obtained by the electronic medium information obtaining means. A withdrawal means for withdrawing the designated amount, and charging the withdrawal amount withdrawn by the withdrawal means to the electronic medium. When charging means, first confirmation means for confirming whether or not the withdrawal amount has been charged to the electronic medium by the charging means, and when the charging of the withdrawal amount has not been confirmed by the first confirmation means, Unknown information generating means for generating unknown information indicating that it is unknown whether or not it has been charged, unknown information generated by the unknown information generating means, balance amount acquired by the electronic medium information acquiring means, and the withdrawal And an error information transmitting means for transmitting error information including the withdrawal amount withdrawn by the means to the account management server.

  In the automatic transaction apparatus of the present invention, the first confirmation unit receives the charge completion information indicating completion of the charge from the electronic medium in which the withdrawal amount is charged by the charging unit, so that the withdrawal amount It is desirable to confirm that the electronic medium has been charged.

  The automatic transaction apparatus according to the present invention further includes an error information acquisition unit that acquires the error information stored in the account management server, and the charge information based on the error information acquired by the error information acquisition unit. A second confirmation means for confirming whether or not the withdrawal amount has been charged to the electronic medium by means, and a reverse update request for requesting the account to return the account to a state before withdrawal by the withdrawal means. Reverse update request means for transmitting information to the account management server, and error information deletion request means for transmitting deletion request information for requesting deletion of the error information stored in the account management server to the account management server And when the error information is acquired by the error information acquisition means, the second confirmation means is connected to the charging means. Confirming whether or not the withdrawal amount has been charged to the electronic medium, and confirming that the withdrawal amount has been charged by the second confirmation means, the error information deletion request means, When the deletion request information is transmitted to the account management server and the second confirmation means confirms that the withdrawal amount has not been charged, the reverse update request means is in a state before withdrawing the account. It is preferable that the reverse update request information for requesting to be returned to is transmitted to the account management server, and the error information deletion request means transmits the deletion request information to the account management server.

  The automatic transaction apparatus according to the present invention further includes an error information acquisition unit that acquires the error information stored in the account management server, and the charge information based on the error information acquired by the error information acquisition unit. Second confirmation means for confirming whether or not the withdrawal amount has been charged to the electronic medium by means, and outputting that the withdrawal amount has not been charged, and withdrawing the account by the withdrawal means A reverse update instruction input means for inputting an instruction to transmit reverse update request information for returning the account to a previous state to the account management server, or an instruction to recharge the charge means; and the reverse Reverse update request means for transmitting update request information to the account management server, and the account stored in the account management server Error information erasure request means for sending erasure request information to the account management server for requesting to erase error information, and when the error information is obtained by the error information obtaining means, the second confirmation means, When the charging means confirms whether or not the withdrawal amount has been charged to the electronic medium, and the second confirmation means confirms that the withdrawal amount has been charged, the error information deletion request means However, when the deletion request information is transmitted to the account management server and the second confirmation means confirms that the withdrawal amount has not been charged, the reverse update instruction input means determines that the withdrawal amount is Outputs that the account was not charged and, based on the reverse update instruction from the customer, puts the account in the state before withdrawal. When an instruction for transmitting reverse update request information to be requested to the account management server is input and the instruction is input by the reverse update instruction input means, the reverse update request means It is desirable that the information is transmitted to the account management server, and the error information deletion request means transmits the deletion request information to the account management server.

  Further, the automatic transaction apparatus according to the present invention includes an error information acquisition unit that acquires the error information stored in the account management server, and the charging unit based on the error information acquired by the error information acquisition unit. Second confirmation means for confirming whether or not the withdrawal amount has been charged to the electronic medium, and outputting that the withdrawal amount has not been charged, and the account before withdrawal by the withdrawal means A reverse update instruction input means for inputting an instruction to send reverse update request information for returning the account to a state to the account management server, or an instruction to recharge the charge means; and the account management server Delete request information for requesting to delete the error information stored in the account management server. Error information erasure request means, and when the error information acquisition means has acquired the error information, the second confirmation means determines whether the withdrawal amount has been charged to the electronic medium by the charging means. Confirming that the withdrawal amount has been charged by the second confirmation means, the error information erasure request means transmits the erasure request information to the account management server, and the second confirmation means When it is confirmed by the confirmation means that the withdrawal amount has not been charged, the reverse update instruction input means outputs that the withdrawal amount has not been charged, and recharges the customer. Based on the instruction, an instruction to recharge by the charging means is input, and the reverse update instruction input means inputs the instruction. If the instruction is inputted, the error information erasing request means transmits the erasure request information to the account management server, the charge means, it is desirable to charge the withdrawal amount to the electronic medium.

  In the automatic transaction apparatus according to the present invention, whether the withdrawal amount by the second confirmation unit is charged is acquired by the balance amount acquired by the electronic medium information acquisition unit and the error information acquisition unit. It is desirable to confirm that the balance amount is the same.

  In the automatic transaction apparatus according to the present invention, the electronic medium information acquisition unit acquires electronic medium information including use history information indicating a history of use of the electronic medium, and the withdrawal amount by the second confirmation unit is Whether or not it has been charged is determined by the sum of the balance amount acquired by the electronic medium information acquisition unit and the usage amount included in the usage history information, and the balance amount acquired by the error information acquisition unit. It is desirable to confirm that the amount is the same.

In the automatic transaction apparatus of the present invention, the electronic medium includes an electronic wallet in which the withdrawal amount is charged as the electronic money, and a cash card for specifying the account and withdrawing the designated amount from the account. Preferably, the withdrawal means withdraws the designated amount from the account corresponding to the account information possessed by the cash card function in the electronic medium.

  In the automatic transaction apparatus according to the present invention, the electronic medium includes an electronic wallet in which the withdrawal amount is charged as the electronic money, and a cash card for identifying the account and withdrawing the designated amount from the account. The electronic medium information acquisition means acquires account information including a cash card identifier for specifying the cash card by performing wireless communication with the cash card, and the withdrawal means includes the account information. It is desirable to withdraw the specified amount from the account corresponding to.

  According to another aspect of the present invention, an automatic transaction apparatus according to the present invention is an automatic transaction apparatus that is connected to an account management server that manages an account via a network and performs electronic money charging by wireless communication with an electronic medium. Electronic medium information acquisition means for acquiring electronic medium information including an electronic medium identifier for identifying the electronic medium by performing wireless communication with the electronic medium, and a balance amount of electronic money usable in the electronic medium; A designated amount input means for inputting a designated amount for charging the electronic medium as electronic money, and a deposit means for depositing the designated amount input by the designated amount input means out of cash received by a customer operation; A charging means for charging the electronic medium with the amount of money deposited by the depositing means; First confirmation means for confirming whether or not the withdrawal amount has been charged to the electronic medium, and whether or not the withdrawal amount has been charged by the first confirmation means, it is unknown whether or not the withdrawal amount has been charged. An error including unknown information generating means for generating unknown information indicating that, unknown information generated by the unknown information generating means, a balance amount acquired by the electronic medium information acquiring means, and a deposit amount received by the depositing means Error information transmitting means for transmitting information to the account management server is provided.

  Moreover, according to one aspect of the present invention, an electronic money charging method of the present invention is an automatic transaction apparatus that is connected to an account management server that manages an account via a network and performs electronic money charging by wireless communication with an electronic medium. An electronic money charging method to be executed, including electronic medium identifier for identifying the electronic medium by performing wireless communication with the electronic medium, and electronic medium information including a balance amount of electronic money usable in the electronic medium And input a designated amount for charging the electronic medium as electronic money, withdraw the inputted designated amount from the account corresponding to the obtained electronic medium identifier, and withdraw the withdrawn Charge the electronic medium, confirm whether the withdrawal amount has been charged to the electronic medium, and Error information including the generated unknown information, the acquired balance amount, and the withdrawn withdrawal amount is generated. Is transmitted to the account management server.

  According to the present invention, error information is generated by an automatic transaction apparatus such as an ATM that performs electronic money charging, and the error information is transmitted to a host computer that manages account information. Even if it is unclear whether or not the data could actually be written on the electronic medium, the charge success / account information and the account information that were unknown based on the error information that was sent during the next charge, etc. Can be consistent.

Hereinafter, embodiments to which the present invention is applied will be described with reference to the drawings.
FIG. 1 is a diagram for explaining the outline of the present invention.
In FIG. 1, an automatic transaction apparatus 1 is an ATM or the like installed in a store of a financial institution such as a bank or a store such as a convenience store, and includes a customer operation display unit 11, a card reader / writer unit 12, a deposit / withdrawal unit 13, A storage unit 14, a non-contact type electronic medium reader / writer unit 15, and a control unit 16 are provided. The automatic transaction apparatus 1 is communicably connected to the host computer 3 via the network 2 and receives a message indicating that the transaction is permitted from the host computer 3, cash withdrawal, cash deposit, transfer and electronic Conduct various transactions such as charging money.

  The customer operation display unit 11 includes an operation unit such as a touch panel and a display unit such as a liquid crystal display. The touch panel is disposed on a display unit such as a CRT display or a liquid crystal display, and a customer performs an input operation or the like. Is. In addition, a transaction selection screen, a screen for guiding a customer's input operation or the like for the transaction selected by the customer, and input information are also displayed.

  The card reader / writer unit 12 includes a card reading / writing mechanism, and reads customer information such as an account number from a magnetic stripe of a cash card inserted by a customer into a card insertion slot or an IC (Integrated Circuit) chip. After reading the account number, the cash card is ejected from the card ejection slot and returned to the customer. Further, the card reader / writer unit 12 includes a statement slip printing mechanism and a statement slip transport mechanism, and has a function of discharging a statement slip printed on the contents of a transaction performed by the customer from the statement slip discharge port and issuing it to the customer. is doing.

  The depositing / withdrawing unit 13 includes a banknote depositing / dispensing machine and a coin depositing / dispensing machine, and performs depositing / withdrawing processing of banknotes and coins associated with cash withdrawal / payment transactions. Here, the deposit processing means that the banknotes put into the banknote deposit / withdrawal port by the customer are counted by the banknote deposit / withdrawal machine and stored in the safe, and the coins entered into the coin deposit / withdrawal slot are counted by the coin deposit / withdrawal machine. It is to be stored in. In addition, with the withdrawal process, banknotes and coins corresponding to the amount specified by the customer's operation are fed out from the banknote depositing / dispensing machine and coin depositing / dispensing machine safe, respectively. To be delivered to the customer.

  The storage unit 14 is configured by a semiconductor memory, a magnetic disk, or the like, stores information, and can read the stored information. The storage unit 14 implements the present invention in addition to a control program (software) for controlling the operation of the entire 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. For storing an electronic money charge program. The operation of this electronic money charge program will be described later with reference to the flowcharts of FIGS.

  The non-contact type electronic medium reader / writer unit 15 is an IC chip (hereinafter referred to as “non-contact type electronic medium”) built in the electronic medium 5 such as an IC card or a portable terminal. The short-range wireless communication 4 performed between the two is controlled so that information can be exchanged with the non-contact type electronic medium. This non-contact type electronic medium reader / writer unit 15 is disposed, for example, on the front surface of the automatic transaction apparatus 1 that accepts a customer's operation, and when the approach of the non-contact type electronic medium due to the customer's operation is detected, the non-contact type electronic medium The short-range wireless communication 4 is performed with the IC chip built in.

  The electronic medium 5 is a non-contact type electronic medium or a mobile phone with a built-in non-contact type IC chip, and performs short-range wireless communication 4 with the non-contact type electronic medium reader / writer unit 15 of the automatic transaction apparatus 1. An IC chip including a wireless communication unit, a storage unit such as a memory, and a control unit that controls the entire electronic medium 5 including various operations and the wireless communication unit and the storage unit is incorporated. The electronic medium 5 can also have the function of a cash card of a financial institution such as a bank. The storage unit of the IC chip stores customer identification information for identifying a customer, electronic money in which the value of currency is replaced with electronic information, and the like. In this embodiment, a non-contact type electronic medium is used as the electronic medium 5. However, the present invention is not limited to the non-contact type electronic medium, and is not limited to the non-contact type electronic medium. Or a portable terminal such as a portable notebook personal computer.

  The control unit 16 is configured by a CPU (Central Processing Unit), an MPU (Micro Processing Unit), and the like. The customer operation display unit 11, the card reader / writer unit 12, the deposit / withdrawal unit 13, the storage unit 14, A control program in which the operation of the entire automatic transaction apparatus 1 is stored in the storage unit 14, including a communication unit (not shown) that communicates with the non-contact electronic medium reader / writer unit 15 and the host computer 3 or the like via the network 2. Control based on (software).

  The host computer 3 is a higher-level device of the automatic transaction apparatus 1 installed in a business center of a financial institution such as a bank, and is a so-called account management server. The host computer 3 includes a calculation unit such as a CPU, a storage unit such as a semiconductor memory, a communication control unit, and a control unit. The host computer 3 is connected to the automatic transaction apparatus 1 and the like via the network 2 so as to communicate with each other. Has been. In addition, the host computer 3 is a transaction that is a customer's account number, account information such as a personal identification number and balance, personal information such as a customer's name and address, and a history of transactions that the customer has performed at the automatic transaction apparatus 1 or at the counter Whether the database 31 for managing history information, error information, etc. can be accessed, and transaction messages such as cash withdrawals, cash deposits, transfers, etc. are exchanged with the automatic transaction apparatus 1 to establish customer transactions In addition, the process of the transaction and the process of authenticating the identity of whether the user is the identity of the customer based on the account number of the customer and the password of the customer are performed.

First, a first embodiment to which the present invention is applied will be described.
FIG. 2 is a functional block diagram in the first embodiment of the automatic transaction apparatus for realizing the present invention.

  In FIG. 2, the automatic transaction apparatus 1 includes an electronic medium information acquisition unit 101, a designated amount input unit 102, a withdrawal unit 103, a charging unit 104, a first confirmation unit 105, an unknown information generation unit 106, and an error information transmission unit 107. Error information acquisition means 108, second confirmation means 105A, reverse update request means 109, and error information deletion request means 110.

  An electronic medium information acquisition unit 101 performs short-range wireless communication 4 with an IC chip built in the electronic medium 5 by the non-contact type electronic medium reader / writer unit 15 to identify the electronic medium 5 Electronic medium information including an electronic medium identifier and a balance amount of electronic money usable in the electronic medium 5 is acquired. In the present embodiment, the electronic medium 5 will be described as a cash card-integrated electronic wallet having a function as a cash card of a financial institution in addition to a role as an electronic wallet for storing electronic money.

  The designated amount input means 102 inputs a designated amount for charging the electronic medium 5 as electronic money when a customer operates an operation unit such as a touch panel provided in the customer operation display unit 11.

The withdrawal unit 103 extracts the designated amount input by the designated amount input unit 102 from the account corresponding to the electronic medium identifier acquired by the electronic medium information acquisition unit 101.
The charging means 104 charges the electronic medium 5 with the withdrawal amount withdrawn by the withdrawal means 103 by the non-contact type electronic medium reader / writer unit 15.

The first confirmation unit 105 confirms whether or not the withdrawal amount has been charged to the electronic medium 5 by the charging unit 104. For example, by receiving charge completion information indicating completion of charging from the electronic medium 5 charged with the withdrawal amount by the charging means 104, it is confirmed that the withdrawal amount has been charged into the electronic medium 5. .

  If the first confirmation unit 105 does not confirm the charging of the withdrawal amount, the unknown information generation unit 106 generates unknown information indicating that it is unknown whether the withdrawal amount has been charged.

  The error information transmission unit 107 includes unknown information generated by the unknown information generation unit 106, error date information indicating the date and time when the unknown information was generated, a balance amount acquired by the electronic medium information acquisition unit 101, an electronic medium identifier, and Error information including customer identification information and the withdrawal amount withdrawn by the withdrawal means 103 is transmitted to the host computer 3 that manages the customer's account.

  The error information acquisition unit 108 acquires the error information transmitted to the host computer 3 by the error information transmission unit 107 and stored in the host computer 3.

  Based on the error information acquired by the error information acquisition unit 108, for example, the withdrawal amount withdrawn by the withdrawal unit 103, the second confirmation unit 105A determines the withdrawal amount by the charging unit 104 as the electronic medium. 5 is confirmed whether it was charged.

  The reverse update requesting means 109 transmits reverse update request information for requesting the account to be returned to the state before the withdrawal by the withdrawal means 103 to the host computer 3. The host computer 3 that has received this reverse update request information executes so-called reverse update processing.

The error information deletion request unit 110 transmits deletion request information for requesting deletion of the error information stored in the database 31 to the host computer 3.
When the error information acquisition unit 108 acquires the error information, the second confirmation unit 105A confirms whether the withdrawal amount has been charged in the electronic medium 5 by the charging unit 104. . Here, whether or not the withdrawal amount by the second confirmation unit 105A has been charged depends on the balance amount acquired by the electronic medium information acquisition unit 101 and the balance amount acquired by the error information acquisition unit 108. Are confirmed to be the same amount. When it is confirmed that the withdrawal amount has been charged by the second confirmation unit 105A, that is, when the charging by the charging unit 104 is successful, the error information deletion request unit 110 The error information stored in the host computer 3 is erased by transmitting the erase request information to the host computer 3. On the other hand, when it is confirmed that the withdrawal amount has not been charged by the second confirmation unit 105A, that is, when the charging by the charging unit 104 has failed, the reverse update request unit 109 Since the reverse update request information for requesting the account to be returned to the state before the withdrawal is transmitted to the host computer 3 and the error state is solved by the reverse update, the error information deletion request means 110 The error information stored in the host computer 3 is erased by transmitting the erase request information to the host computer 3.

  Further, when electronic money is used using the electronic medium 5 after being charged by the charging means 104, the electronic medium information obtaining means 101 is an electronic including usage history information indicating a usage history of the electronic medium 5. After acquiring the medium information, the confirmation whether or not the withdrawal amount is charged by the second confirmation unit 105A is included in the balance amount and the usage history information acquired by the electronic medium information acquisition unit 101. This is executed when the sum of the used amount and the balance amount acquired by the error information acquisition means 108 are the same amount.

FIG. 3 is a flowchart showing the flow of the electronic money charge process in the first embodiment to which the present invention is applied.
The electronic money charge process shown in FIG. 3 is performed by the automatic transaction apparatus 1 executing the electronic money charge program stored in the storage unit 14. If the electronic money is normally charged by the electronic money charging process, the transaction history information is also updated when the amount charged to the electronic medium 5 is updated, and the charged electronic money is POS. It is premised that the charge amount and transaction history are updated even when used in a ticket vending machine or the like.

  First, in step S301, whether or not the electronic medium 5 that is a non-contact type electronic medium such as an IC card is held over the non-contact type electronic medium reader / writer unit 15 disposed on the front surface of the automatic transaction apparatus 1, that is, The approach of the electronic medium 5 is detected, and it is determined whether or not the short-range wireless communication 4 is performed with the IC chip built in the electronic medium 5.

  If it is determined that the electronic medium 5 is held over the non-contact type electronic medium reader / writer unit 15 (step S301: YES), the electronic medium stored in the electronic medium 5 for specifying the electronic medium 5 is determined in step S302. Electronic medium information including an identifier, a balance amount of electronic money that can be used in the electronic medium 5, and usage history information indicating a usage history of the electronic medium 5 is read.

  In step S303, the electronic medium information read in step S302 and the password entered using the customer operation display unit 11 are transmitted to the host computer 3 to indicate that the customer who holds the electronic medium 5 is the person himself / herself. By receiving authentication completion information from the host computer 3, identity verification is performed.

  Next, when the identity is confirmed (step S303: YES), in step S304, the host computer 3 can access the error information corresponding to the electronic medium identifier confirmed in step S303. Whether the data is stored in the database 31 is determined.

  If it is determined that the error information is not stored in the database 31 (NO in step S304), as in a normal transaction (step S304: NO), the customer operation display unit 11 includes a touch panel or the like. It is determined whether or not a designated amount for charging the electronic medium 5 as electronic money has been input by the customer operating the operation unit. On the other hand, the case where it is determined that the error information is stored in the database 31 (step S304: YES) will be described later.

  If it is determined that the specified amount has been input (step S305: YES), in step S306, the specified amount input in step S305 from the account corresponding to the electronic medium identifier acquired by the electronic medium information acquisition unit 101. The withdrawal request is transmitted to the host computer 3 so as to withdraw.

Then, based on the response received from the host computer 3 in response to the withdrawal request in step S306, it is determined in step S307 whether or not the designated amount input in step S305 can be charged to the electronic medium 5. For example, when there is no balance more than a specified amount in the account, if the specified amount is charged to the electronic medium 5 and exceeds the limit that can be charged to the electronic medium 5, the specified amount is If it exceeds the limit that can be charged at one time, it is determined that charging is not possible. It should be noted that if the specified amount is charged to the electronic medium 5, whether or not the amount that can be charged to the electronic medium 5 is exceeded, a limit amount that the specified amount can be charged at one time is set. The determination as to whether or not it has exceeded may be executed before step S306.

  If it is determined in step S307 that charging is not possible (step S307: NO), in step S308, the fact that charging is impossible is output to the output unit included in the customer operation display unit 11, The electronic money charge process is terminated.

  On the other hand, if it is determined in step S307 that charging is possible (step S307: YES), in step S309, the designated amount input in step S305 is converted by the non-contact electronic medium reader / writer unit 15 into the electronic money. The medium 5 is charged.

  In step S310, it is confirmed whether or not the withdrawal amount is charged in the electronic medium 5. For example, it is confirmed that the withdrawal amount has been charged in the electronic medium 5 by receiving charge completion information indicating completion of charging from the electronic medium 5 to which the withdrawal amount should be charged.

  If it is confirmed that the battery has been charged (step S310: YES), in step S311, the fact that the charging has been completed is output to the output unit provided in the customer operation display unit 11, and the electronic money charging process is terminated. .

  On the other hand, when it cannot be confirmed that the battery is charged in step S310 (step S310: NO), it is determined whether or not it can be confirmed again in step S312. Here, the determination as to whether or not it can be confirmed again is, for example, within a predetermined time and when the electronic medium 5 is held over the non-contact type electronic medium reader / writer unit 15, Judge that it can be confirmed.

And when it is judged that it can confirm again (step S312: YES), it returns to step S310 and it repeats after that.
On the other hand, if it is determined that it cannot be confirmed again (step S312: NO), in step S313, unknown information indicating that it is unknown whether or not the designated amount is charged in the electronic medium 5 is generated. Here, when it is not possible to confirm whether or not the withdrawal amount has been charged to the electronic medium 5, the designated amount is charged to the electronic medium 5 by the non-contact type electronic medium reader / writer unit 15 (step S309). ) In the case of the following.
(1) When the electronic medium 5 is separated from the non-contact type electronic medium reader / writer unit 15 and the electronic medium 5 is out of the medium detection area of the non-contact type electronic medium reader / writer unit 15.
(2) In step S302, the electronic medium 5 that is the transaction target read in the electronic medium information and another electronic medium that is not the transaction target are overlapped and held over the non-contact type electronic medium reader / writer unit 15. When charging in step S309 is performed on another electronic medium that is not a transaction object, as in the case of
(3) A case where the data communication line with the non-contact type electronic medium reader / writer unit 15 is disconnected.
(4) When the power supply to the non-contact type electronic medium reader / writer unit 15 or the automatic transaction apparatus 1 itself is stopped.
(5) The case where the non-contact type electronic medium reader / writer unit 15 is damaged due to external impact or vibration.

  In step S314, in addition to the unknown information generated in step S313, error date information indicating the date and time when the unknown information was generated, the balance amount read in step S302, the electronic medium identifier, customer identification information, and transaction history information, The withdrawal amount or the like withdrawn by the withdrawal means 103 that would have been charged in step S309 is transmitted as error information to the host computer 3, and the electronic money charging process is terminated.

Next, a case where it is determined in step S304 that error information is stored in the database 31 (step S304: YES) will be described.
In this case, in step S315, the database 31 is searched using the electronic medium information read in step S302 as a key, and error information stored in the database 31 is acquired.

  Next, in step S316, it is confirmed whether or not the withdrawal amount has been charged in the electronic medium 5 at the time of charging indicated by the error date information in the error information read in step S315. For example, it is confirmed from the balance information and usage history information read in step S302 from the electronic medium 5 that the withdrawal amount should have been charged, that the withdrawal amount has been charged to the electronic medium 5.

  If it is not confirmed in step S316 that it has been charged (step S316: NO), in step S317, reverse update request information for requesting that the account be returned to the state before withdrawal is sent to the host computer 3. Send to. In this case (step S316: NO), the reconfirmation process similar to step S312 may be executed before proceeding to step S317.

  Further, since the error state should have been solved by the reverse update of the account in the reverse update request in step S317, in step S318, a request is made to delete the error information stored in the database 31. The erasure request information is transmitted to the host computer 3, and the process proceeds to step S305.

  On the other hand, if it is confirmed that the battery has been charged in step S316 (step S316: YES), the reverse update request as in step S317 is unnecessary, but the error information itself exists in the database 31. Then, the process proceeds to step S318, and delete request information for requesting to delete the error information stored in the database 31 is transmitted to the host computer 3, and then the process proceeds to step S305.

  When the electronic money charging process as described above is executed, even if the electronic medium 5 is not reliably charged for some reason and it is unclear whether or not it has been executed, the automatic transaction apparatus By notifying the host computer 3 of the error information including the unknown information generated in 1 and the balance information and usage history information stored in the electronic medium 5, the next charge or charge remaining amount inquiry transaction, etc. In addition, the host computer 3 can reversely update the account information.

FIG. 4 is a flowchart showing the flow of electronic money processing in the first embodiment to which the present invention is applied.
The electronic money process shown in FIG. 4 is executed by the host computer 3 that is communicably connected to the automatic transaction apparatus 1.

First, in step S401, the electronic medium information including the electronic medium identifier transmitted from the automatic transaction apparatus 1 in step S303 in FIG.
Next, in step S402, the database 31 is searched based on the electronic medium information received in step S401, and it is determined whether or not the customer who holds the electronic medium 5 is the person himself / herself.

  If the identity cannot be determined in step S402 (step S402: NO), information indicating an authentication error is transmitted to the automatic transaction apparatus 1 in step S403, and the electronic money processing is performed. Exit.

  On the other hand, if it can be determined that the user is the person in step S402 (step S402: YES), the database 31 is searched based on the electronic medium information received in step S401 and the person is confirmed in step S404. It is determined whether or not error information corresponding to the electronic medium identifier is stored in the database 31. Note that the identity confirmation in step S402 and the error information confirmation in step S404 may be performed simultaneously.

  If it is determined that the error information is not stored in the database 31 (step S404: NO), in step S405, information indicating the completion of authentication confirmed in step S402 is used as information indicating the completion of authentication. Send to. On the other hand, the case where it is determined that the error information is stored in the database 31 (step S404: YES) will be described later.

Next, in step S406, the designated amount transmitted from the automatic transaction apparatus 1 in step S306 of FIG. 3 is received.
In step S407, it is determined whether or not the designated amount can be charged to the electronic medium 5. For example, the database 31 is searched, and it is determined that charging is not possible, for example, when there is no balance more than a specified amount in the account.

  If it is determined that charging is not possible (step S407: NO), information indicating that charging is impossible is transmitted to the automatic transaction apparatus 1 in step S408, and this electronic money processing is performed. finish.

  On the other hand, if it is determined that charging is possible (step S407: YES), in step S409, a specified amount is withdrawn from the account, and a process of subtracting the amount withdrawn from the account (update process) is performed. Execute.

In step S410, the specified amount withdrawn in step S409 is transmitted to the automatic transaction apparatus 1 in order to charge the electronic medium 5 as electronic money.
Next, in step S411, it is determined whether or not the error information transmitted from the automatic transaction apparatus 1 in step S314 of FIG. 3 has been received. In other words, it is determined whether error information has been transmitted from the automatic transaction apparatus 1.

If error information has not been transmitted (step S411: NO), the electronic money process is terminated.
On the other hand, if error information has been transmitted (step S411: YES), the transmitted error information is stored in the database 31 in association with the electronic medium identifier.

Next, a case where it is determined in step S404 that error information is stored in the database 31 (step S404: YES) will be described.
In this case, first, in step S413, information indicating the completion of authentication confirmed as the principal in step S402 and error information searched and confirmed in step S404 are transmitted to the automatic transaction apparatus 1.

  Next, in step S414, it is determined whether or not the reverse update request information transmitted from the automatic transaction apparatus 1 in step S317 of FIG. 3 has been received. In other words, it is determined whether or not the reverse update request information has been transmitted from the automatic transaction apparatus 1.

  If the reverse update request information has been transmitted (step S414: YES), in step S415, reverse update processing, that is, processing for returning the account to the state before withdrawal is executed.

  Since the error state should have been solved by the reverse update process in step S415, the error state is stored in the database 31 in step S416 based on the erasure request information transmitted from the automatic transaction apparatus 1 in step S318 in FIG. The error information is erased, and the process proceeds to step S406.

  On the other hand, if the reverse update request information has not been transmitted in step S414 (step S414: NO), that is, it has been confirmed that charging to the electronic medium 5 has been successful in step S316 of FIG. Therefore, the reverse update in step S415 is not necessary. However, since the error information itself exists in the database 31, the process proceeds to step S416, and after the error information stored in the database 31 is erased, the process proceeds to step S406.

Next, a second embodiment to which the present invention is applied will be described.
FIG. 5 is a functional block diagram in the second embodiment of the automatic transaction apparatus for realizing the present invention.

  In FIG. 5, the automatic transaction apparatus 6 includes an electronic medium information acquisition unit 101, a specified amount input unit 102, a withdrawal unit 103, a charging unit 104, a first confirmation unit 105, an unknown information generation unit 106, and an error information transmission unit 107. Error information acquisition means 108, second confirmation means 105A, reverse update instruction input means 111, reverse update request means 109A, and error information deletion request means 110.

  The difference from the automatic transaction apparatus 1 in the first embodiment described with reference to FIG. 2 is that it further includes a reverse update instruction input means 111 and a reverse update request means in place of the reverse update request means 109. 109A. Other electronic medium information acquisition means 101, designated amount input means 102, withdrawal means 103, charging means 104, first confirmation means 105, unknown information generation means 106, error information transmission means 107, error information acquisition means 108, The second confirmation unit 105A and the error information erasure request unit 110 are the same as those in the automatic transaction apparatus 1 according to the first embodiment, and thus description thereof is omitted.

  When the reverse update instruction input unit 111 confirms that the withdrawal amount has not been charged by the second confirmation unit 105A, the reverse update instruction input unit 111 notifies the customer operation display unit 11 that the withdrawal amount has not been charged. Display output. Then, based on an instruction from the customer determined by looking at the screen, an instruction for transmitting reverse update request information for requesting the account to be returned to the state before withdrawal, or the charging means 104 Enter the instruction to recharge by. For example, when a reverse update instruction is input by the reverse update instruction input unit 111, the reverse update request unit 109A transmits the reverse update request information to the host computer 3 and the error information deletion request unit 110. Transmits the erasure request information to the host computer 3. Then, as in the first embodiment, the host computer 3 that has received this reverse update request information executes a so-called reverse update process. In addition, when an instruction to recharge is input by the reverse update instruction input unit 111, the error information deletion request unit 110 transmits the deletion request information to the host computer 3, and the charging unit 104 The electronic money 5 is charged with the withdrawal amount.

  FIG. 6 is a flowchart showing the flow of electronic money charge processing in the second embodiment to which the present invention is applied, and FIG. 7 shows a display example when a write error has occurred in the previous charge transaction. FIG.

The electronic money charge process shown in FIG. 6 is performed by the automatic transaction apparatus 6 executing the electronic money charge program stored in the storage unit 14.
The difference from the electronic money charge process in the first embodiment described with reference to FIG. 3 is that new steps S601 to S603 are inserted between steps S316 and S317. The other steps S301 to S314 are the same as the electronic money charge process in the first embodiment, and thus the description thereof is omitted.

  That is, in step S304, it is determined that the error information is stored in the database 31 (step S304: YES). After the error information stored in the database 31 is acquired in step S315, the error information is read in step S315 in step S316. When the date and time indicated by the error date and time information in the error information is charged, it is confirmed whether or not the withdrawal amount has been charged to the electronic medium 5. For example, it is confirmed that the withdrawal amount has been charged to the electronic medium 5 based on the balance information and usage history information read in step S302 from the electronic medium 5 to which the withdrawal amount should be charged.

  If it is not confirmed in step S316 that it has been charged (step S316: NO), it indicates in step S601 that the withdrawal amount requested in the previous step S306 has not been charged. Is displayed on the customer operation display unit 11. Then, for example, in the example shown in FIG. 7, when the customer who has determined by viewing the screen instructs the button “Recharge”, that is, it is originally executed in step S309 at the time of the previous transaction. If an instruction to execute the charge that should have been input (step S601: YES), in step S602, deletion request information for requesting deletion of the error information stored in the database 31 is stored in the host. It transmits to the computer 3.

  Next, in step S603, the charge that should have been originally executed in step S309 at the time of the previous transaction is executed, and the process proceeds to step S305 to charge the electronic medium 5 as electronic money regarding the current transaction. It is determined whether or not the specified amount of money has been input. If it is determined that the designated amount has been input (step S305: YES), in step S306, it is input in step S305 from the account corresponding to the electronic medium identifier acquired by the electronic medium information acquisition unit 101. A withdrawal request is transmitted to the host computer 3 so as to withdraw the specified amount.

  On the other hand, for example, in the example shown in FIG. 7, when the customer who has determined by viewing the screen displayed and output in step S <b> 601 has instructed the button “Do not recharge”, that is, the state before withdrawing the account When an instruction for transmitting reverse update request information requesting to return to the host computer 3 is input (step S601: NO), in step S317 reverse update requesting that the account be returned to the state before withdrawal. Request information is transmitted to the host computer 3.

The message shown as possible in FIG. 7 displays a message corresponding to the content of the charge transaction.
For example, if “Recharge” is instructed at the time of a charge transaction, as shown in FIG. >> If a message is displayed and “No recharge” is instructed, the amount entered on the previous screen is charged. >>> is displayed and output.

  In addition, when “Recharge” is instructed at the time of charge balance inquiry, <<< the amount of uncharged charges from the previous transaction will be charged. If >>> is displayed and “No recharge” is instructed, <<< Charge balance inquiry is terminated. >>> is displayed and output.

  With this display output, the customer can check the last unprocessed charge transaction information on the screen, and the customer can choose whether or not to recharge, Flexibility can be given to customer operation.

  In the above-described embodiment, the electronic medium 5 has been described as a cash card-integrated electronic wallet having a function as a cash card of a financial institution in addition to a role as an electronic wallet for storing electronic money. The electronic wallet function and the cash card function may be separate electronic media 5. That is, the electronic medium 5 may be an integrated electronic wallet charged as electronic money and a cash card for identifying an account and withdrawing a specified amount from the account, or may be separate. . In the case of a separate body, for example, after the electronic medium information acquisition unit 101 shown in FIGS. 2 and 5 acquires electronic medium information by the non-contact type electronic medium reader / writer unit 15 in step S302 of FIGS. The card reader / writer unit 12 reads customer information such as an account number from the magnetic stripe or IC chip of the cash card inserted by the customer into the card insertion slot.

  Further, in the above-described embodiment, the designated amount for charging as electronic money is drawn from the host computer 3 that manages the account of the financial institution. Instead of this withdrawal process, the customer can use the automatic transaction apparatus 1. Alternatively, cash may be directly deposited into the automatic transaction apparatus 6 and a designated amount of the deposited cash may be charged. In this case, for example, the automatic transaction apparatus 1 or the automatic transaction apparatus 6 accepts cash deposits by a customer's operation instead of the withdrawal means 103 shown in FIGS. 2 and 5 and is input by the designated amount input means 102. Means for depositing the specified amount. Further, instead of the withdrawal process from the host computer 3 that manages the account of the financial institution, the withdrawal may be made from the computer that manages the credit card.

  As mentioned above, although embodiment of this invention was described referring drawings, the automatic transaction apparatus to which this invention is applied is limited to the above-mentioned embodiment, if the function is performed. Needless to say, a single device, a system composed of a plurality of devices, an integrated device, or a system that performs processing via a network such as a LAN or WAN may be used.

  It can also be realized by a system comprising a CPU, ROM or RAM memory connected to the bus, input device, output device, external recording device, medium driving device, portable recording medium, and network connection device. That is, a ROM or RAM memory, an external recording device, or a portable recording medium that records the program code of the software that realizes the system of the above-described embodiment is supplied to the automatic transaction apparatus, and the computer of the automatic transaction apparatus Needless to say, this can also be achieved by reading and executing the program code.

  In this case, the program code itself read from the portable recording medium or the like realizes the novel function of the present invention, and the portable recording medium or the like on which the program code is recorded constitutes the present invention. .

  Examples of portable recording media for supplying program codes include flexible disks, hard disks, optical disks, magneto-optical disks, CD-ROMs, CD-Rs, DVD-ROMs, DVD-RAMs, magnetic tapes, and non-volatile memories. Various recording media recorded through a network connection device (in other words, a communication line) such as a card, a ROM card, electronic mail or personal computer communication can be used.

  In addition, the function of the above-described embodiment is realized by executing the program code read out on the memory by the computer, and the OS running on the computer based on the instruction of the program code is actually used. Some or all of the processing is performed, and the functions of the above-described embodiments are also realized by the processing.

  Furthermore, a program code read from a portable recording medium or a program (data) provided by a program (data) provider is provided in a function expansion board inserted into a computer or a function expansion unit connected to a computer. The CPU of the function expansion board or function expansion unit performs part or all of the actual processing based on the instruction of the program code, and the function of the above-described embodiment is also performed by the processing. Can be realized.

  That is, the present invention is not limited to the embodiment described above, and can take various configurations or shapes without departing from the gist of the present invention.

It is a figure for demonstrating the outline | summary of this invention. It is a functional block diagram in a 1st embodiment of an automatic transaction device which realizes the present invention. It is a flowchart which shows the flow of the electronic money charge process in 1st Embodiment to which this invention is applied. It is a flowchart which shows the flow of the electronic money process in 1st Embodiment to which this invention is applied. It is a functional block diagram in 2nd Embodiment of the automatic transaction apparatus which implement | achieves this invention. It is a flowchart which shows the flow of the electronic money charge process in 2nd Embodiment to which this invention is applied. It is a figure which shows the example of a display when the writing error has generate | occur | produced by the last charge transaction.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Automatic transaction apparatus 2 Network 3 Host computer 4 Short-distance wireless communication 5 Electronic medium 6 Automatic transaction apparatus 11 Customer operation display part 12 Card reader / writer part 13 Deposit / withdrawal part 14 Storage part 15 Non-contact type electronic medium reader / writer part 16 Control part 31 Database 101 Electronic medium information acquisition means 102 Designated amount input means 103 Withdrawal means 104 Charging means 105 First confirmation means 105A Second confirmation means 106 Unknown information generation means 107 Error information transmission means 108 Error information acquisition means 109 Reverse update Request means 109A Reverse update request means 110 Error information deletion request means 111 Reverse update instruction input means

Claims (11)

In an automatic transaction apparatus that is connected to an account management server that manages an account via a network and performs electronic money charging by wireless communication with an electronic medium,
Electronic medium information acquisition means for acquiring electronic medium information including an electronic medium identifier for identifying the electronic medium by performing wireless communication with the electronic medium, and a balance amount of electronic money usable in the electronic medium;
A designated amount input means for inputting a designated amount for charging the electronic medium as electronic money;
Withdrawing means for withdrawing the designated amount input by the designated amount input means from the account corresponding to the electronic medium identifier obtained by the electronic medium information obtaining means,
Charging means for charging the electronic medium with the withdrawal amount withdrawn by the withdrawal means;
First confirmation means for confirming whether or not the withdrawal amount is charged to the electronic medium by the charging means;
If the charge of the withdrawal amount is not confirmed by the first confirming means, unknown information generating means for generating unknown information indicating that it is unknown whether it has been charged,
Error information transmission means for transmitting error information including unknown information generated by the unknown information generation means, a balance amount acquired by the electronic medium information acquisition means, and a withdrawal amount withdrawn by the withdrawal means to the account management server When,
An automatic transaction apparatus comprising: The first confirmation means confirms that the withdrawal amount has been charged to the electronic medium by receiving charge completion information indicating completion of charging from the electronic medium to which the withdrawal amount has been charged by the charging means. Check,
The automatic transaction apparatus according to claim 1. Error information acquisition means for acquiring the error information stored in the account management server;
Based on the error information acquired by the error information acquisition means, a second confirmation means for confirming whether or not the withdrawal amount has been charged to the electronic medium by the charging means;
Reverse update request means for sending reverse update request information to the account management server for requesting the account to be returned to the state before withdrawal by the withdrawal means;
Error information erasure request means for sending erasure request information to request erasure of the error information stored in the account management server to the account management server;
With
When the error information is acquired by the error information acquisition means, the second confirmation means confirms whether the withdrawal amount has been charged to the electronic medium by the charging means,
If it is confirmed that the withdrawal amount has been charged by the second confirmation unit, the error information deletion request unit transmits the deletion request information to the account management server,
If it is confirmed by the second confirmation means that the withdrawal amount has not been charged, the reverse update request means sends reverse update request information requesting the account to return to the state before withdrawal. The error information erasure request means transmits the erasure request information to the account management server.
The automatic transaction apparatus according to claim 1 or 2. Error information acquisition means for acquiring the error information stored in the account management server;
Based on the error information acquired by the error information acquisition means, a second confirmation means for confirming whether or not the withdrawal amount has been charged to the electronic medium by the charging means;
For outputting that the withdrawal amount has not been charged and sending reverse update request information for requesting the account to be returned to the state before withdrawal by the withdrawal means to the account management server An instruction or reverse update instruction input means for inputting an instruction to recharge the charge means;
Reverse update request means for transmitting the reverse update request information to the account management server;
Error information erasure request means for sending erasure request information to request erasure of the error information stored in the account management server to the account management server;
With
When the error information is acquired by the error information acquisition means, the second confirmation means confirms whether the withdrawal amount has been charged to the electronic medium by the charging means,
If it is confirmed that the withdrawal amount has been charged by the second confirmation unit, the error information deletion request unit transmits the deletion request information to the account management server,
When the second confirmation means confirms that the withdrawal amount has not been charged, the reverse update instruction input means outputs that the withdrawal amount has not been charged, and the reverse from the customer. Based on the update instruction, input an instruction to send reverse update request information to the account management server to request that the account be returned to the state before withdrawal,
When the instruction is input by the reverse update instruction input unit, the reverse update request unit transmits the reverse update request information to the account management server, and the error information deletion request unit stores the deletion request information. Sending to the account management server,
The automatic transaction apparatus according to claim 1 or 2. Error information acquisition means for acquiring the error information stored in the account management server;
Based on the error information acquired by the error information acquisition means, a second confirmation means for confirming whether or not the withdrawal amount has been charged to the electronic medium by the charging means;
For outputting that the withdrawal amount has not been charged and sending reverse update request information for requesting the account to be returned to the state before withdrawal by the withdrawal means to the account management server An instruction or reverse update instruction input means for inputting an instruction to recharge the charge means;
Error information erasure request means for sending erasure request information to request erasure of the error information stored in the account management server to the account management server;
With
When the error information is acquired by the error information acquisition means, the second confirmation means confirms whether the withdrawal amount has been charged to the electronic medium by the charging means,
If it is confirmed that the withdrawal amount has been charged by the second confirmation unit, the error information deletion request unit transmits the deletion request information to the account management server,
If it is confirmed by the second confirmation means that the withdrawal amount has not been charged, the reverse update instruction input means outputs that the withdrawal amount has not been charged, and the customer Based on the instruction to recharge, input the instruction to recharge by the charging means,
When the instruction is input by the reverse update instruction input unit, the error information deletion request unit transmits the deletion request information to the account management server, and the charging unit stores the withdrawal amount in the electronic medium. To charge,
The automatic transaction apparatus according to claim 1 or 2.   Whether the withdrawal amount by the second confirmation unit has been charged or not is that the balance amount acquired by the electronic medium information acquisition unit and the balance amount acquired by the error information acquisition unit are the same amount. The automatic transaction apparatus according to any one of claims 3 to 5, wherein the automatic transaction apparatus is confirmed by: The electronic medium information acquisition means acquires electronic medium information including use history information indicating a history of use of the electronic medium,
Whether or not the withdrawal amount by the second confirmation unit has been charged is determined by adding the balance amount acquired by the electronic medium information acquisition unit and the usage amount included in the usage history information, and the error The automatic transaction apparatus according to claim 6, wherein the balance amount acquired by the information acquisition means is confirmed to be the same amount. In the electronic medium, an electronic wallet in which the withdrawal amount is charged as the electronic money and a cash card for specifying the account and withdrawing the designated amount from the account are integrated.
The automatic transaction apparatus according to any one of claims 1 to 7, wherein the withdrawal means withdraws the designated amount from the account corresponding to the account information of the cash card function in the electronic medium. . The electronic medium is separate from an electronic wallet in which the withdrawal amount is charged as the electronic money and a cash card for identifying the account and withdrawing the designated amount from the account,
The electronic medium information acquisition means acquires account information including a cash card identifier for specifying the cash card by performing wireless communication with the cash card,
The automatic transaction apparatus according to any one of claims 1 to 7, wherein the withdrawal unit extracts the designated amount from the account corresponding to the account information. In an automatic transaction apparatus that is connected to an account management server that manages an account via a network and performs electronic money charging by wireless communication with an electronic medium,
Electronic medium information acquisition means for acquiring electronic medium information including an electronic medium identifier for identifying the electronic medium by performing wireless communication with the electronic medium, and a balance amount of electronic money usable in the electronic medium;
A designated amount input means for inputting a designated amount for charging the electronic medium as electronic money;
Depositing means for depositing the designated amount input by the designated amount input means out of the cash received by the customer's operation;
Charging means for charging the electronic medium with the amount of money deposited by the depositing means;
First confirmation means for confirming whether or not the withdrawal amount is charged to the electronic medium by the charging means;
If the charge of the withdrawal amount is not confirmed by the first confirming means, unknown information generating means for generating unknown information indicating that it is unknown whether it has been charged,
Error information transmitting means for transmitting error information including unknown information generated by the unknown information generating means, a balance amount acquired by the electronic medium information acquiring means, and a deposit amount received by the depositing means to the account management server; ,
An automatic transaction apparatus comprising: An electronic money charging method that is executed in an automatic transaction apparatus that is connected to an account management server that manages an account via a network and performs electronic money charging by wireless communication with an electronic medium,
Obtaining electronic medium information including an electronic medium identifier for identifying the electronic medium by performing wireless communication with the electronic medium, and a balance amount of electronic money usable in the electronic medium;
Enter the specified amount to charge the electronic medium as electronic money,
Withdrawing the inputted designated amount from the account corresponding to the acquired electronic medium identifier,
Charging the withdrawn amount to the electronic medium;
Check whether the withdrawal amount has been charged to the electronic medium,
If the charge of the withdrawal amount is not confirmed, generating unknown information indicating that it is unknown whether or not it has been charged,
Sending error information including the generated unknown information, the acquired balance amount, and the withdrawal amount to the account management server;
The electronic money charge method characterized by the above-mentioned.

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