JP2014137662A - Automatic transaction system and automatic transaction device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an automatic transaction method which can prevent a transaction from being performed in an amount not intended by a user due to a misoperation.SOLUTION: An automatic transaction system is constituted by connecting via a network an automatic transaction device for accepting operation from a user and performing transactions and a host computer for managing users and transactions. The automatic transaction device comprises an operation part which accepts input of identification information on a user and a transaction amount, and a control part which either transmits to the host computer the identification information on the user and the transaction amount which have been inputted or determines whether the inputted transaction amount is in any range of patterns of past transaction amount, and if the transaction amount is not in any range of patterns of past transaction amount, determines that the transaction amount may have been inputted wrongly and displays on a display a transaction amount confirmation screen prompting confirmation of the transaction amount.

Description

  The present invention relates to an automatic transaction apparatus system for performing transactions with an automatic transaction apparatus using a cash card and an automatic transaction apparatus thereof.

  When a withdrawal transaction is performed with an automated transaction device (ATM) of a financial institution, an amount different from the desired withdrawal amount may be input due to an erroneous operation by the user (digit difference). If the transaction is processed in this state, the user will perform the withdrawal transaction again, and if the fee is collected, the fee will be collected a plurality of times.

  Usually, in order to avoid such a situation, a money amount confirmation screen is displayed on the automatic transaction apparatus, but it is always displayed at every transaction regardless of the user. In this case, since screen display time is uniformly applied to any user, operability and convenience are poor. Therefore, it is most convenient for the user to display the amount confirmation screen appropriately instead of always displaying the amount confirmation screen. Appropriately displaying the amount confirmation screen means that the amount confirmation screen is displayed only when the user has entered the desired transaction amount in error, and the amount confirmation screen is displayed when the transaction amount is entered correctly. Do not display.

  As a method of properly displaying the amount confirmation screen, set a predetermined transaction amount and amount input time interval in the automatic transaction device, and judge that there is a possibility of incorrect input only when it is below the set value A technique for displaying an amount confirmation screen has been proposed (see Patent Document 1). In addition, it is different from the viewpoint of preventing the wrong input of transaction amount, but the past transaction information of the user accumulated in the database is displayed, and the transaction content desired by the user is the same as the transaction content performed in the past. If it exists, the technique which can omit the transaction information which must be input and can perform a transaction by selecting the transaction content is proposed (refer patent document 2).

JP 2006-139481 A JP-A-9-237367

  In the prior art described in Patent Document 1, it is determined whether or not the amount confirmation screen needs to be displayed using the same conditions for all users, but the transaction amount and the amount input time interval vary depending on the user. For this reason, even if the transaction amount is normally entered, the amount confirmation screen is always displayed for a user who always falls below the set value. That is, there is a problem that the amount confirmation screen cannot be displayed appropriately for all users.

  Further, the prior art described in Patent Document 2 aims to omit the transaction information that the user has to input at the time of transaction by using past transaction information stored in a database. However, it is considered that the main content entered by the user during the transaction is the “transaction amount”, which is valid for users who have the same transaction amount each time, but is not applicable to this, A user whose transaction information is not the transaction information desired this time needs to make a selection not to use past transaction information, and further communicates with the database, which delays the entire transaction time. .

  In the present invention, the transaction amount pattern information of the user is stored in the database, and the amount confirmation screen is appropriately displayed for each user by using the transaction amount pattern. Furthermore, the communication time to the database is realized so as not to affect the time required for the entire transaction.

  In order to solve the above-described problems and achieve the object, an automatic transaction system according to the present invention includes an automatic transaction apparatus that accepts an operation from a user and performs a transaction, and the user and a host computer that manages the transaction. Is an automatic transaction system connected via a network, wherein the automatic transaction apparatus is configured to receive an input of the user identification information and transaction amount, and the input identification information and transaction amount of the user. Is transmitted to the host computer, or it is determined whether the input transaction amount is in any range of past transaction amount patterns, and the transaction amount is any of past transaction amount patterns. If it is determined that the transaction amount is not within the range, it is determined that the transaction amount may have been entered incorrectly, and a transaction amount confirmation screen that prompts the display unit to confirm the transaction amount A control unit for displaying, and the host computer stores, from the automatic transaction apparatus, a storage unit that stores a past transaction amount pattern for each user, and the user identification information and the transaction amount. The transaction amount pattern is updated based on the user identification information and the transaction amount received and stored in the storage unit, or the operation unit accepts input of the user identification information A host control unit that transmits a pattern of the past transaction amount of the user to the automatic transaction apparatus.

  The automatic transaction apparatus according to the present invention is an automatic transaction apparatus that accepts an operation from a user and performs a transaction, and an operation unit that receives input of the identification information of the user and a transaction amount, and the input The user identification information and the transaction amount are transmitted to a host computer having a storage unit for storing a past transaction amount pattern for each of the users via the network to the user and the host computer that manages the transaction. When the operation unit accepts the input of the identification information of the user, a pattern of the past transaction amount of the user is received from the host computer, and the input transaction amount is a pattern of the past transaction amount. A control unit that determines whether or not any of the ranges, and the control unit, the range of the transaction amount is a past transaction amount pattern If it is determined that the transaction amount has not been entered, it is determined that the transaction amount may have been entered incorrectly, and a display for displaying a transaction amount confirmation screen including a message to prompt confirmation of the transaction amount and the transaction amount on the display unit And a control unit.

  According to the present invention, since the amount confirmation screen can be appropriately displayed for each user, convenience for the user is improved. Further, by appropriately displaying the money amount confirmation screen, the transaction time can be shortened, and an improvement in the ATM usage rate can be expected.

It is a schematic diagram of an automatic transaction apparatus and a host computer. It is a data block diagram of the transaction amount pattern information in a customer database. It is a flowchart which shows the money amount confirmation screen display process in an automatic transaction apparatus. It is the operation guidance screen which shows the money amount confirmation screen display process in an automatic transaction apparatus. It is a flowchart which shows the money amount confirmation screen display process in an automatic transaction apparatus.

  Embodiments of an automatic transaction system and an automatic transaction apparatus according to the present invention will be described below in detail with reference to the accompanying drawings. In the following description, the automatic transaction system and the automatic transaction apparatus according to the present invention are applied to an automatic transaction apparatus such as an ATM (Automated Teller Machine) employed in a financial institution system such as a bank system. However, the present invention can be widely applied to various devices as long as transactions with a predetermined amount are made with a user.

  FIG. 1 is a configuration diagram of an automatic transaction system having an automatic transaction apparatus 1 according to the present embodiment and a center connected via a communication network. As shown in FIG. 1, an automatic transaction apparatus (hereinafter referred to as ATM) 1 is installed at a financial institution's sales office, etc., and has a function of performing a deposit transaction, a withdrawal transaction, a transfer transaction, etc. by a user operation, It is connected to the host computer 3 by the line connection unit 2. ATM1 is a device that automatically executes various transactions requested by users, and includes an operation unit, a card / detail slip mechanism unit, a passbook mechanism unit, a bill deposit / withdrawal mechanism unit, a coin deposit / withdrawal mechanism unit, and a voice guidance guidance. And a control unit (not shown) for controlling each of these units. The control unit includes a hardware configuration such as a CPU and a memory, and a software configuration such as a program and data, and controls various processes and transactions. The center has a billing host computer 3 and a customer database (hereinafter referred to as customer DB) 4 managed by the host computer 3, which are installed at the center of a financial institution.

  In the customer DB 4, information such as the name, account number, password, account balance, etc. is registered for each user as attribute information of the user associated with each other. The host computer 3 determines whether or not the user can execute the transaction at the ATM based on the attribute information. In this embodiment, the transaction amount pattern information of the user is stored in the customer DB 4 in the attribute. Registered with information.

  FIG. 2 is a data configuration example of transaction amount pattern information registered in the customer DB 4. The transaction amount pattern information is information in which the number of transactions for each amount range of transactions performed by the user is recorded. In FIG. 2, for example, the password of the customer account number “01234567” of the customer number “1” is “1234”, and the pattern of the amount of money that the customer has traded in the past is “1,000 yen to 9, The amount in the range of “999 yen” is 8 times, the amount in the range of “10,000 yen to 99,999 yen” is 58 times, the amount in the range of “100,000 yen to 999,999 yen” is 3 times, The amount in the range of “1,000,000 yen or more” indicates that there was no transaction in the past. Thus, transaction amount pattern information is stored in the customer DB 4 for each customer and each account number.

  Next, transaction processing for displaying an amount confirmation screen at ATM 1 will be described with reference to FIGS. FIG. 3 is a flowchart showing a processing procedure of transaction processing in ATM1. Moreover, FIG. 4 is an image figure of the operation guidance screen at the time of transaction operation in ATM1. In addition, on the initial screen (FIG. 4- (a)) of the guidance screen of the transaction operation provided in the operation part of ATM1, the start button of various transaction items for a user to start a transaction is displayed. For example, various transactions that can be done at ATM1, such as “withdrawal”, “deposit”, “balance inquiry”, “transfer”, “transfer”, “passbook entry”, “time deposit”, “change PIN”, “change limit” Items are displayed.

  When the user designates and selects “withdrawal” from the transaction items displayed in advance on the initial screen, the operation unit detects the selection and starts a withdrawal transaction (step S300). Subsequently, the operation unit displays a card insertion guidance screen (FIG. 4- (b)) for prompting card insertion on the operation guidance screen, and the card mechanism unit waits in a card insertion waiting state for accepting a cash card inserted by the user. To do. Next, when the user inserts the card held by the user into the card insertion slot of the card mechanism unit, the card mechanism unit reads the magnetic stripe information of the inserted card (step S301). Next, the operation unit displays a password input screen (FIG. 4- (c)), the user inputs the password from the numeric keypad on the operation guide screen, and the operation unit receives the input (step S302).

  Next, the operation unit displays an amount input screen (FIG. 4- (d)), the user inputs the transaction amount from the numeric keypad on the operation guide screen, and the operation unit accepts the input (step S303). At this time, in parallel with the display of the amount input screen and the user's operation, the magnetic stripe information such as the password entered by the user and the account number read from the cash card is hosted from the ATM 1 via the line connection unit 2. It is sent to the computer 3 (step S305). That is, the ATM 1 transmits the above-described magnetic stripe information and password to the host computer 3 before completing the input of the transaction amount. When receiving the information, the host computer 3 confirms the identity of the user based on the magnetic stripe information such as the account number read from the cash card and the password entered by the user, and the identity of the user is confirmed. Then, the host computer 3 acquires the transaction amount pattern information of the user registered from the customer DB 4 and sends it to the ATM 1 via the line connection unit 2, and the ATM 1 receives the transaction amount pattern information from the host computer 3 ( Step S306). As described above, the ATM 1 transmits the magnetic stripe information such as the PIN number input by the user and the account number read from the cash card to the host computer 3 in parallel with the input operation to the transaction amount, and the transaction amount of the user. Since the pattern information is received, the time required for the transaction can be reduced.

  And ATM1 memorize | stores the transaction amount pattern with the most users among the transaction amount pattern information received from the host computer 3, and the transaction amount pattern with the most users memorize | stored and the transaction which the user input from the operation part The amount is collated, and it is determined whether or not the transaction amount pattern with the largest input transaction amount applies (is included) (step S307). And when ATM1 determines with the transaction amount which the user input from the operation part not being included in the transaction amount pattern with the most users (step S307; No), there is a possibility that the transaction amount is erroneously input. The operation unit determines that there is an amount confirmation screen (FIG. 4- (e)) for prompting confirmation of the amount on the operation guidance screen (step S308), and the user confirms the transaction amount displayed on the amount confirmation screen. As a result, the transaction processing is advanced only when a transaction with the displayed transaction amount is desired. As described above, ATM1 determines whether or not the input transaction amount is included in the most transaction amount pattern, so that the amount confirmation screen is appropriately displayed based on the transaction tendency of the user. be able to.

  And ATM1 returns to step S303, when a user desires correction of transaction amount, and performs transaction processing again from input of transaction amount. At this time, since the transaction amount pattern information has been acquired, the personal identification number and the magnetic stripe information are not sent to the host computer 3. On the other hand, if it is determined that the transaction amount input by the user from the operation unit is included in the transaction amount pattern having the largest number of users (step S307; Yes), ATM1 determines that the transaction amount is correctly input. The process proceeds to step S309 without displaying the amount confirmation screen.

  Next, the operation unit displays a statement slip issue necessity selection screen (FIG. 4- (f)), the user selects necessity of the statement slip, and the operation unit accepts the input (step S309). Next, information such as a personal identification number, magnetic stripe information such as an account number read from a cash card, and transaction amount is sent from the ATM 1 to the host computer 3 via the line connection unit 2 (step S310).

  When the host computer 3 receives the information from the ATM 1, the host computer 3 checks the user information registered in the customer DB 4 and notifies the ATM 1 that the transaction is permitted (step S311). Update. When the ATM 1 receives the transaction permission notification, the bill part and the coin part then feed the money of the transaction amount input by the user from the operation part to the entrance of the bill deposit / withdrawal mechanism part and the coin deposit / withdrawal mechanism part ( Step S312) Further, when the user desires a statement slip in the statement slip issue necessity selection, the statement slip is printed in parallel (Step S313). At this time, the operation unit displays a standby screen (FIG. 4- (g)) for making the user wait because the statement slip issuing process is being executed.

  Next, ATM1 returns a card from the card insertion slot of the said card mechanism part, and displays the guidance screen (FIG. 4- (h)) for making a user receive a card | curd (step S314). At this time, if the user desires a statement slip in the statement slip issue necessity selection, the statement slip is also returned together. When the card mechanism detects that the user has removed the cash card, ATM 1 opens the shutters of the banknote deposit / withdrawal mechanism and the coin deposit / withdrawal mechanism, and guides the user to receive money ( FIG. 4- (i)) is displayed (step S315). And ATM1 displays a transaction end screen (Drawing 4- (j)) by detecting that a user extracted money, and a bill depositing / withdrawing mechanism part and a coin depositing / withdrawing mechanism part (Step S316), Inform the user that the transaction has ended.

  In the above-described embodiment, in parallel with the user inputting the transaction amount from the operation unit, the transaction flow for acquiring the transaction amount pattern information of the user from the host computer 3 is performed, whereby the transaction according to the implementation of this function is performed. There is a merit that time extension can be avoided. However, if the input of the user's transaction amount pattern is completed before the user's transaction amount pattern information is acquired from the host computer 3, the user will wait for the time until the transaction amount pattern information is acquired. Therefore, in this case, a screen is displayed so that the user can be notified that the update is being performed with the host computer (step S304).

  In the next embodiment, transaction processing for further not affecting transaction time will be described with reference to FIG. FIG. 5 is a flowchart showing a processing procedure of transaction processing for not affecting the transaction time in ATM1. Since the transaction processing flow (steps S301 to S305) until the transaction amount pattern information in the embodiment described above is acquired is the same, the transaction processing flow after acquiring the transaction amount pattern information will be described.

  When the ATM 1 acquires the transaction amount pattern information of the user from the host computer 3, for example, since withdrawal is not possible when the balance is insufficient, information required for carrying out the transaction such as an account balance Are also acquired (step S500). When the ATM 1 receives the transaction amount pattern information having the largest number of users and the information necessary for conducting the transaction from the host computer 3, the ATM 1 stores the information, and the stored transaction amount pattern having the largest number of users and the user's operation. The transaction amount input from the department is collated, and it is determined whether or not the transaction amount pattern with the largest input transaction amount applies (is included) (step S501).

  And when ATM1 determines with the transaction amount which the user input from the operation part not being included in the transaction amount pattern with the most users (step S501; No), there is a possibility that the transaction amount is erroneously input. If it is determined that there is, the operation unit displays an amount confirmation screen (FIG. 4- (e)) prompting the amount confirmation on the operation guidance screen (step S502), and the user confirms the transaction amount displayed on the amount confirmation screen. As a result, the transaction processing is advanced only when a transaction with the displayed transaction amount is desired. And ATM1 performs transaction processing again from the input of transaction amount, when a user desires correction of transaction amount. At this time, since the transaction amount pattern information and the information necessary for executing the transaction have already been acquired, the personal identification number and the time stripe information are not sent to the host computer 3.

  Next, the operation unit displays a statement slip issue necessity selection screen (FIG. 4- (f)), the user selects necessity of the statement slip, and the operation unit accepts the input (step S503). Then, the ATM 1 collates the withdrawal amount entered by the user with information necessary for carrying out the transaction such as the account balance acquired from the host computer 3 in advance, and in the same manner as shown in FIG. If it is permitted, the banknote part and the coin part feed the money of the transaction amount input by the user from the operation part to the entrance of the banknote depositing / dispensing mechanism part and the coin depositing / dispensing mechanism part (step S504). Further, when the user desires a statement slip in the statement slip issue necessity selection, the statement slip is printed in parallel (step S505). In the processes from step S503 to S504, ATM1 has already acquired information necessary for executing the transaction in step S500, so as shown in steps S310 and S311 in FIG. No information such as a magnetic stripe information such as a password or an account number read from a cash card, or information such as a transaction amount is sent to or received from 3. As described above, when the ATM 1 acquires the transaction amount pattern information of the user from the host computer 3, the ATM 1 also acquires information necessary for executing the transaction such as the account balance. By omitting the information transmission to 3 and the transaction permission notification process from the host computer 3 to the ATM 1, the time required for the transaction can be suppressed.

  Next, ATM1 returns a card from the card insertion slot of the said card mechanism part, and displays the guidance screen (FIG. 4- (h)) for making a user receive a card | curd (step S506). At this time, if the user desires a statement slip in the statement slip issue necessity selection, the statement slip is also returned together. When the card mechanism detects that the user has removed the cash card, ATM 1 opens the shutters of the banknote deposit / withdrawal mechanism and the coin deposit / withdrawal mechanism, and guides the user to receive money ( FIG. 4- (i)) is displayed (step S507). Then, when the banknote deposit / withdrawal mechanism unit and the coin deposit / withdrawal mechanism unit detect that the user has taken out the money, the ATM1 displays a transaction end screen (step S508), and the transaction has been terminated to the user. To guide you.

  In parallel with displaying the transaction end screen in step S508, the ATM 1 sends the transaction result such as the final transaction amount to the host computer 3 via the line connection unit 2 (step S509). When these pieces of information are received from ATM1, the fact that the transaction result has been received is notified to ATM1 (step S510), and the transaction amount pattern information in customer DB 4 is updated.

  As described above, in the automatic transaction system according to the present embodiment, the amount confirmation screen can be appropriately displayed for each user by performing the processing shown in FIG. 3 or FIG. Will improve. In addition, displaying the amount confirmation screen appropriately will shorten the transaction time, so it is possible to expect an increase in the ATM usage rate, and transactions with amounts not desired by the user due to incorrect operations Can be prevented.

  The present invention is not limited to the above-described embodiments, and can be implemented with various modifications. In the embodiment described above, after acquiring the transaction amount pattern information from the host computer 3, the transaction amount pattern having the largest number of users is stored, checked against the transaction amount input by the user from the operation unit, and the most transaction amount pattern. If not, it is determined that there is a possibility that the transaction amount has been entered incorrectly, and the amount confirmation screen that prompts the amount confirmation is displayed, but instead of the most transaction amount pattern, If the top multiple patterns with the highest number of transactions are memorized and matched with the transaction amount entered by the user from the operation unit, if the result does not match any of the top multiple patterns with the highest number of transactions, the transaction amount is entered incorrectly. It is possible to display the amount confirmation screen. In this case, for example, even when the range of the transaction amount is narrow and patterning by the transaction amount cannot be performed, the amount confirmation screen can be appropriately displayed depending on the number of transactions.

  In the above-described embodiment, the ATM 1 determines whether or not the transaction amount input by the user from the operation unit is included in the transaction amount pattern having the largest number of users. Along with the pattern information, the customer DB 4 stores the number of times the transaction amount has been erroneously input in the past, and if the number is less than a certain threshold, the user determines that the tendency to erroneously input the amount is low and compares Expand the range of target transaction amount patterns and loosen the conditions, for example, determine whether the input amount is included in either the most transaction amount pattern or the next most transaction amount pattern, and at least If it is included in these conditions, the amount confirmation screen may not be displayed. In this case, since the amount confirmation screen is displayed after grasping the input tendency of the user, it is possible to provide a detailed service in consideration of the input habit of the user.

  Further, in the above-described embodiment, it is determined whether or not to display the money amount confirmation screen by comparing with the transaction amount pattern information. However, the user always displays the money amount confirmation screen in advance or does not always display it. Are registered in advance together with the transaction amount pattern information as information indicating whether or not to display the amount confirmation screen, and if that information is registered, the host computer 3 sends the ATM 1 to the ATM 1 instead of the transaction amount pattern information. The ATM 1 displays the amount confirmation screen according to the information received from the host computer 3, determines whether to display it, and indicates that the information is to be displayed. The amount confirmation screen is displayed regardless of whether or not the transaction amount pattern is in any range. In this case, it is possible to meet the needs of the user who wants to always confirm the transaction amount while displaying the amount confirmation screen appropriately for each user.

  In the above-described embodiment, the transaction amount pattern information of the user is stored in the customer DB 4 managed by the host computer 3, and when the user performs the transaction, the transaction amount pattern information is transmitted from the customer DB 4 via the host computer 3. The user's transaction amount pattern information is acquired, but the user's transaction amount pattern information is stored in the magnetic stripe information or IC chip information of the cash card, and the account number, etc. is stored from the cash card inserted by the user. When reading the information, transaction amount pattern information may be acquired together.

  In addition, in the Example mentioned above, when a user performed payment | withdrawal transaction, it demonstrated on the assumption that a money amount confirmation screen is displayed. However, the present invention can of course be applied to various transactions on the premise that the user inputs an amount of money, such as when the user performs a deposit transaction, a transfer transaction, or a remittance transaction.

DESCRIPTION OF SYMBOLS 1 ... Automatic transaction apparatus 2 ... Line connection part 3 ... Host computer 4 ... Customer database.

Claims (8)

An automatic transaction system in which an automatic transaction apparatus that accepts an operation from a user and performs a transaction and a host computer that manages the user and the transaction are connected via a network,
The automatic transaction apparatus is
An operation unit for accepting input of the user's identification information and transaction amount;
The input identification information of the user and the transaction amount are transmitted to the host computer, or it is determined whether the input transaction amount is in any range of past transaction amount patterns, and the transaction If it is determined that the amount does not fall within any of the past transaction amount patterns, the transaction amount confirmation screen determines that the transaction amount may have been entered incorrectly and prompts the display unit to confirm the transaction amount And a control unit for displaying
The host computer
A storage unit for storing a past transaction amount pattern for each user;
Receiving the identification information of the user and the transaction amount from the automatic transaction apparatus, and updating the pattern of the transaction amount based on the identification information of the user and the transaction amount stored in the storage unit Or when the operation unit accepts the input of the identification information of the user, a host control unit that transmits a pattern of the past transaction amount of the user to the automatic transaction device;
An automatic transaction system comprising: The host computer
The storage unit stores in advance necessity information indicating whether the transaction amount confirmation screen is always displayed on the display unit together with the pattern of the transaction amount,
Whether or not the host control unit receives the identification information of the user and the transaction amount from the automatic transaction apparatus and stores the transaction amount confirmation screen as the necessity information in the storage unit. If it is determined that it is stored in the storage unit to display the transaction amount confirmation screen as the necessity information, the automatic transaction apparatus is notified to that effect,
The automatic transaction apparatus is
When the control unit receives the fact from the host computer, the transaction amount confirmation screen is displayed regardless of whether the input transaction amount is in any of the past transaction amount patterns. Display on the display unit;
The automatic transaction system according to claim 1. The automatic transaction apparatus is
In parallel with receiving the transaction amount input by the operation unit, the control unit transmits the identification information of the user to the host computer, and receives the transaction amount pattern from the host computer.
The automatic transaction system according to claim 1 or 2, wherein In the host computer, the storage unit stores information necessary for a transaction including an account balance together with the pattern of the transaction amount,
In the automatic transaction apparatus, the control unit obtains information necessary for the transaction including the account balance together with a pattern of the transaction amount of the user from the host computer, and the transaction necessary for the transaction is input. Determine whether to allow the transaction based on the amount of money;
The automatic transaction system according to any one of claims 1 to 3. In the automatic transaction apparatus, the control unit determines whether or not the input transaction amount is included in the most transaction amount pattern among the past transaction amount patterns, and the transaction amount is the past transaction amount. If it is determined that the transaction amount is not included in the largest transaction amount pattern, it is determined that the transaction amount may be entered incorrectly, and a transaction amount confirmation screen is displayed to prompt the confirmation of the transaction amount on the display unit. Display,
The automatic transaction system according to any one of claims 1 to 4. The host computer stores the number of times the transaction amount has been erroneously input in the past, along with the transaction amount pattern,
If the number of erroneous inputs is less than a certain threshold, the automatic transaction apparatus determines that the user has a low tendency to erroneously input transaction amounts, and the input transaction amount has the largest transaction amount pattern. Or it is determined whether or not it is included in one of the next most transaction amount patterns, and if it is included in at least these patterns, the transaction amount confirmation screen is not displayed.
The automatic transaction system according to claim 5. In the host computer, the storage unit stores a plurality of upper patterns having a large number of transactions at a certain transaction amount, instead of the most transaction amount pattern.
In the automatic transaction apparatus, the control unit determines whether or not the input transaction amount is included in any of the higher order patterns having a large number of transactions, and the input transaction amount is a large number of transactions. If it is determined that it is not included in any of the upper patterns, it is determined that there is a possibility that the transaction amount has been entered incorrectly, and an amount confirmation screen is displayed.
The automatic transaction system according to claim 5. An automatic transaction apparatus that accepts operations from users and performs transactions,
An operation unit for accepting input of the user's identification information and transaction amount;
A host having a storage unit for storing a pattern of a past transaction amount for each of the users via a network in the user computer and a host computer that manages the transaction, the input identification information and transaction amount of the user And when the operation unit accepts input of the user identification information, a pattern of the past transaction amount of the user is received from the host computer, and the input transaction amount is past A control unit that determines whether or not the transaction amount is in any of the ranges; and
When the control unit determines that the transaction amount is not in any of the past transaction amount patterns, the control unit determines that the transaction amount may be erroneously input, and displays the transaction amount on the display unit. A display control unit for displaying a transaction amount confirmation screen including a message for prompting confirmation and the transaction amount;
An automatic transaction apparatus comprising:

Images