JP2016012268A - Automatic transaction device and automatic transaction system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To notify a user that a deposit balance is updated during the period from end of balance inquiry to transaction execution.SOLUTION: When receiving a transaction request and a transaction amount from an automatic transaction device 30 after responding with a deposit balance in inquiring to a balance inquiry request from the automatic transaction device 30, a host computer 20 notifies the automatic transaction device 30 of the deposit balance after transaction to which the transaction amount is reflected in the case that transaction is possible. The automatic transaction device 30 determines that the deposit balance in inquiring is updated on the basis of the deposit balance in inquiring, the transaction amount, and the deposit balance after transaction, and notifies a user of the fact.

Description

  The present invention relates to an automatic transaction apparatus and an automatic transaction system.

  The automatic transaction apparatus can perform desired transactions such as payment, payment, balance inquiry and the like. For example, if the user wants to keep a predetermined amount in the account at the time of payment transaction, after confirming the deposit balance of the account by performing a balance inquiry, the amount specified by performing the payment transaction continuously Pay.

  In such a payment method, after confirming the deposit balance, if the payment amount is mistakenly specified at the time of the payment transaction and the balance becomes insufficient, the transaction must be performed again. In order to prevent the occurrence of such a complicated operation, a technique has been proposed such as displaying the difference between the current deposit balance and the specified payment amount at the time of payment processing after balance inquiry (for example, patents). Reference 1).

Japanese Patent Laid-Open No. 9-311967

  By the way, when one account is used by a family, a plurality of cards can be issued for one account. In such a case, another user using a card in the same account withdraws a certain amount of money while performing a payment transaction after the user confirms the deposit balance by the balance inquiry using the card with the automatic transaction apparatus. Or may be withdrawn from a cashing company or the like. In this case, when the user performs a payment transaction, the confirmed deposit balance is different from the deposit balance at the time of the payment transaction. For this reason, the user notices that the deposit balance has been updated at the time of the payment transaction, and some users are anxious about being withdrawn by fraud, and may have anxiety.

  According to one aspect of the present invention, in an automatic transaction apparatus that communicates with a host computer that includes a storage unit that stores an account ledger that associates a deposit balance for each account, a balance inquiry request is transmitted to the host computer, A balance inquiry unit that accepts a deposit balance at the time of inquiry, which is a deposit balance at the time of the balance inquiry request, from the host computer, a transaction request and a transaction amount are transmitted to the host computer, and the transaction amount is reflected in the deposit balance from the host computer A transaction requesting unit that receives the post-transaction deposit balance, a determination unit that determines whether or not the inquiry deposit balance has been updated based on the inquiry deposit balance, the transaction amount, and the post-transaction deposit balance; And a notifying unit for notifying that the inquiry deposit balance is updated when the inquiry deposit balance is updated. Dynamic transaction device is provided.

  Further, according to one aspect of the present invention, a storage unit that stores an account ledger in which a deposit balance is associated with each account, and a balance inquiry request is received, the storage unit is referred to, and the deposit at the time of the balance inquiry request When an inquiry processing unit that transmits a deposit balance at the time of inquiry, which is a balance, receives a transaction request and a transaction amount, the storage unit is referred to determine whether the transaction amount is transactable based on the deposit balance, and the transaction is A transaction processing unit that, when possible, transmits a post-transaction deposit balance reflecting the transaction amount in the deposit balance and updates the deposit balance with the post-transaction deposit balance; An automatic transaction system comprising a transaction apparatus is provided.

  According to the disclosed technology, it is possible to notify the user that the deposit balance has been updated between the balance inquiry and the execution of the transaction.

It is a figure for demonstrating the automatic transaction system of 1st Embodiment. It is a figure of the structural example of the automatic transaction system of 2nd Embodiment. It is a figure which shows the hardware structural example of the automatic transaction apparatus of 2nd Embodiment. It is a figure which shows the hardware structural example of the host computer of 2nd Embodiment. It is a functional block diagram showing the example of a function with which the automatic transaction system of a 2nd embodiment is provided. It is a figure which shows an example of the information with which the host computer of 2nd Embodiment is provided. It is a flowchart figure (the 1) for performing the transaction processing of the automatic transaction apparatus of 2nd Embodiment. It is a flowchart figure (the 2) for performing the transaction processing of the automatic transaction apparatus of 2nd Embodiment. It is a flowchart figure (the 3) for performing the transaction processing of the automatic transaction apparatus of 2nd Embodiment. It is a flowchart figure (the 1) for performing the transaction processing of the host computer of 2nd Embodiment. It is a flowchart figure (the 2) for performing the transaction processing of the host computer of 2nd Embodiment. It is a figure which shows the example of a message | telegram used by the transaction processing of 2nd Embodiment. It is a figure (the 1) which shows the example of a screen used by the transaction processing of the automatic transaction apparatus of 2nd Embodiment. It is FIG. (2) which shows the example of a screen used by the transaction processing of the automatic transaction apparatus of 2nd Embodiment. It is FIG. (The 3) which shows the example of a screen used by the transaction processing of the automatic transaction apparatus of 2nd Embodiment. It is FIG. (4) which shows the example of a screen used by the transaction processing of the automatic transaction apparatus of 2nd Embodiment. It is FIG. (5) which shows the example of a screen used by the transaction processing of the automatic transaction apparatus of 2nd Embodiment.

Hereinafter, embodiments will be described with reference to the drawings.
[First Embodiment]
In the first embodiment, when a user performs an account balance inquiry using an automatic transaction apparatus and subsequently executes a transaction, the automatic transaction apparatus determines that the deposit balance at the time of the account balance inquiry is If it has been updated, the fact is notified to the user.

An automatic transaction system including such an automatic transaction apparatus will be described with reference to FIG.
FIG. 1 is a diagram for explaining an automatic transaction system according to the first embodiment.
1A shows a configuration of the automatic transaction system 10, and FIG. 1B shows a sequence diagram showing a flow of information in the automatic transaction system 10.

  As shown in FIG. 1A, the automatic transaction system 10 includes a host computer 20 and a plurality of automatic transaction apparatuses 30 that can communicate with the host computer 20. Although FIG. 1A shows a case where only one automatic transaction apparatus 30 is connected to the host computer 20, a plurality of automatic transaction apparatuses 30 are connected to the host computer in the same manner as the automatic transaction apparatus 30. 20 may be connected. That is, it is possible to access the host computer 20 from each automatic transaction apparatus 30 to a common account and execute a transaction. Note that access to a common account is not limited to another automatic transaction apparatus 30, and for example, transfer transactions such as utility bills, credit card payments, and taxes can be made.

The host computer 20 includes a storage unit 21, an inquiry processing unit 22, and a transaction processing unit 23.
The memory | storage part 21 memorize | stores the account ledger which matched the deposit balance etc. for every account.

  When the inquiry processing unit 22 receives a balance inquiry request from the automatic transaction apparatus 30, the inquiry processing unit 22 refers to the storage unit 21 and transmits the inquiry deposit balance, which is the deposit balance at the time of the balance inquiry request, to the automatic transaction apparatus 30.

  When the transaction processing unit 23 receives the transaction request and the transaction amount from the automatic transaction apparatus 30, the transaction processing unit 23 refers to the storage unit 21, determines whether the transaction is possible based on the transaction amount based on the deposit balance. The post-transaction deposit balance reflecting the transaction amount in the balance is transmitted to the automatic transaction apparatus 30 and the deposit balance is updated with the post-transaction deposit balance.

On the other hand, the automatic transaction apparatus 30 includes a balance inquiry unit 31, a transaction request unit 32, a determination unit 33, and a notification unit 34.
The balance inquiry unit 31 transmits a balance inquiry request to the host computer 20 and receives a deposit balance at inquiry which is a deposit balance at the time of the balance inquiry request from the host computer 20.

The transaction request unit 32 transmits a transaction request and a transaction amount to the host computer 20 and receives a post-transaction deposit balance in which the transaction amount is reflected in the deposit balance from the host computer 20.
The determination unit 33 determines whether or not the inquiry deposit balance is updated based on the inquiry deposit balance, the transaction amount, and the after transaction deposit balance.

When the inquiry deposit balance is updated, the notification unit 34 notifies that the inquiry deposit balance is updated.
Next, a transaction method executed in such an automatic transaction system 10 will be described with reference to FIG. In the following, a case will be described as an example where two automatic transaction apparatuses 30 (automatic transaction apparatuses (A) and (B)) perform processing on a common account in the automatic transaction system 10 respectively. Further, in the following, an example is given of starting from the case where the deposit balance of the transaction target account is 10,000 yen.

First, the balance inquiry part 31 of an automatic transaction apparatus (A) transmits a balance inquiry request with respect to the host computer 20 based on a user's operation input (step S1).
When the inquiry processing unit 22 of the host computer 20 receives the balance inquiry request, the inquiry processing unit 22 specifies the deposit balance ("10,000 Yen" in FIG. 1) corresponding to the user's account from the storage unit 21, and the deposit balance (inquiry) (Time deposit balance) information is notified to the balance inquiry section 31 of the automatic transaction apparatus (A) (step S2).

  Thereafter, the host computer 20 makes a transaction (payment) request and a payment amount (in FIG. 1, “2,” by an operation of another user different from the user of the automatic transaction device (A). 000 yen ") is received (step S3).

  The transaction processing unit 23 of the host computer 20 sets a value obtained by subtracting the payment amount (“2,000 yen”) from the deposit balance (“10,000 yen”) as a new deposit balance (“8,000 yen”) ( In step S4), a payment permission is transmitted to the automatic transaction apparatus (B) (step S5).

  In the automatic transaction apparatus (B), when the payment permission is accepted from the host computer 20, the payment amount is counted, and the cash corresponding to the counted amount ("2,000 yen") is withdrawn to another user. .

  After confirming the deposit balance at the time of inquiry (“10,000 yen”), the transaction request unit 32 of the automatic transaction apparatus (A) makes a transaction (payment) request and payment based on the user's operation input. The amount (“5,000 yen”) is transmitted to the transaction processing unit 23 of the host computer 20 (step S6).

  When the transaction processing unit 23 of the host computer 20 receives the transaction (payment) request and the payment amount from the transaction requesting unit 32 of the automatic transaction apparatus (A), the transaction processing unit 23 calculates the payment amount (“8,000 yen”) from the deposit balance (“8,000 yen”). 5,000 yen ”), and the deposit balance (“ 8,000 yen ”) minus the payment amount (“ 5,000 yen ”) (post-transaction deposit balance) is the new deposit The payment permission including the post-transaction deposit balance ("3,000 yen") as the balance ("3,000 yen") is transmitted to the transaction request unit 32 of the automatic transaction apparatus (A) (step S7).

  The determination unit 33 of the automatic transaction apparatus (A) includes a deposit balance at the time of inquiry (“10,000 yen”), a payment amount (“5,000 yen”), and a post-transaction deposit balance (“3,000 yen”). Based on the above, it is determined whether or not the deposit balance at the time of inquiry is updated. Specifically, the determination unit 33 determines the deposit balance at the time of inquiry (“10,000 yen”), the sum of the payment amount and the deposit balance after transaction (“5,000 yen + 3,000 yen = 8,000 yen”). ) Does not match, it is determined that the amount of deposit at the time of inquiry is updated (step S8).

The notification unit 34 of the automatic transaction apparatus (A) notifies the user that the inquiry deposit balance has been updated based on the determination result of the determination unit 33 (step S9).
When the transaction request unit 32 of the automatic transaction apparatus (A) transmits the transaction (payment) request and the payment amount to the transaction processing unit 23 of the host computer 20 in the above steps S6 and S7, A case where the balance is insufficient due to renewal (reduction) will be described.

  In this case, the transaction processing unit 23 of the host computer 20 cannot subtract the payment amount from the deposit balance that is insufficient in the balance, and automatically deals with the deposit balance (non-transaction balance) without reflecting the payment amount. It transmits to the transaction request part 32 of an apparatus (A).

  When the transaction request unit 32 of the automatic transaction apparatus (A) accepts a transaction impossible balance due to a shortage of balance, the determination unit 33 of the automatic transaction apparatus (A) determines that the deposit balance at the time of inquiry is updated, and automatically The notification unit 34 of the transaction apparatus (A) notifies the user that the inquiry deposit balance has been updated.

In this way, the user can grasp that the inquiry deposit balance has been updated by the notification from the automatic transaction apparatus (A).
In the automatic transaction system 10, after the host computer 20 receives the transaction request and the transaction amount from the automatic transaction apparatus 30 after responding to the balance inquiry request from the automatic transaction apparatus 30, the host computer 20 can perform the transaction. In this case, the post-transaction deposit balance reflecting the transaction amount in the deposit balance is notified to the automatic transaction apparatus 30. The automatic transaction apparatus 30 determines that the inquiry deposit balance is updated based on the inquiry deposit balance, the transaction amount, and the post-transaction deposit balance, and notifies the user accordingly. Further, when the automatic transaction apparatus 30 accepts a transaction impossible balance in which the transaction amount could not be reflected in the deposit balance of the account ledger from the host computer 20, it determines that the inquiry deposit balance has been updated, and Added notification to users. Thereby, the user can grasp | ascertain that the balance at the time of an inquiry was updated at the time of transaction execution. By grasping the update of the deposit balance at the time of inquiry, the user can resolve his anxiety.

[Second Embodiment]
In the second embodiment, the automatic transaction system according to the first embodiment will be described more specifically.

The automatic transaction system 100 of 2nd Embodiment is demonstrated using FIG.
FIG. 2 is a diagram of a configuration example of the automatic transaction system according to the second embodiment.
As shown in FIG. 2, the automatic transaction system 100 in a financial institution includes a plurality of automatic transaction apparatuses 200, and each automatic transaction apparatus 200 is connected to a host computer 300 through a network 400.

  Further, on the front surface of such an automatic transaction apparatus 200, a display unit 220a for displaying a transaction screen and a card insertion / discharge port 230a into which a cash card (hereinafter simply referred to as “card”) is inserted / discharged. And a bankbook insertion / discharge port 240a through which a bankbook is inserted / discharged, a coin deposit / withdrawal port 250a through which coins are deposited / withdrawn, and a banknote deposit / withdrawal port 260a through which banknotes are deposited / withdrawn.

  The card is provided with at least one of a magnetic stripe and an IC chip, and information such as a bank number, a store number, and an account number is stored in these storage media.

Next, a hardware configuration example of the automatic transaction apparatus 200 of the automatic transaction system 100 will be described with reference to FIG.
FIG. 3 is a diagram illustrating a hardware configuration example of the automatic transaction apparatus according to the second embodiment.

  The automatic transaction apparatus 200 includes a control unit 210 that controls processing executed by the automatic transaction apparatus 200, and a display unit 220 that receives an operation input from a user and displays a transaction screen and the like. In addition, the automatic transaction apparatus 200 includes a card processing unit 230 for inserting and discharging a card from the card insertion / discharge port 230a, a passbook processing unit 240 for inserting and discharging a passbook from the passbook insertion / discharge port 240a, and depositing / withdrawing coins. It has a coin processing unit 250 for depositing / withdrawing from the mouth 250a and a bill processing unit 260 for depositing / withdrawing banknotes from the banknote deposit / withdrawal port 260a.

  The control unit 210 includes a CPU 210a, a RAM (Random Access Memory) 210b, an HDD (Hard Disk Drive) 210c, a graphic processing unit 210d, an input / output interface 210e, and a communication control unit 210f. Each part is mutually connected by a bus 210g.

The CPU 210a controls the entire automatic transaction apparatus 200 by executing various programs stored in a storage medium such as the HDD 210c.
The RAM 210b temporarily stores an OS (Operating System) to be executed by the CPU 210a and at least a part of the program. The RAM 210b stores various data necessary for processing by the CPU 210a.

  The HDD 210c stores the OS and application programs on the automatic transaction apparatus 200. The HDD 210c stores various information necessary for processing by the CPU 210a.

  The display unit 220a of the display unit 220 is connected to the graphic processing unit 210d. The graphic processing unit 210d displays a predetermined screen on the display unit 220a of the display unit 220 in accordance with an instruction from the CPU 210a.

  An input detection unit 220b of the display unit 220, a card processing unit 230, a passbook processing unit 240, a coin processing unit 250, and a banknote processing unit 260 are connected to the input / output interface 210e. The input / output interface 210e notifies each unit of a control signal from the CPU 210a via the bus 210g, and similarly notifies the CPU 210a of a signal from each unit.

  The communication control unit 210f is communicably connected to the host computer 300 that manages the automatic transaction apparatus 200 and the like through the network 400, and transmits and receives signals to and from the host computer 300.

Next, each unit will be described.
The display unit 220 includes a display unit 220a and an input detection unit 220b, and is connected to the graphic processing unit 210d and the input / output interface 210e, respectively.

  The display unit 220a is, for example, a monitor, and displays a screen or guidance necessary for performing transactions such as a reception screen and a transaction screen based on the screen information from the graphic processing unit 210d.

  The input detection unit 220b is, for example, a touch panel that detects a user's touch on the screen displayed by the display unit 220a. The transaction content displayed at the touch position on the screen detected by the input detection unit 220b is executed by the CPU 210a of the control unit 210.

  The card processing unit 230 executes processing such as reading of information from the card inserted by the user through the card insertion / discharge port 230a. When the transaction is completed, the card processing unit 230 conveys the card, discharges it from the card insertion / discharge port 230a, and returns it to the user.

  The passbook processing unit 240 conveys the passbook inserted by the user from the passbook insertion / discharge port 240a to a predetermined position, and prints a history of transactions executed in response to a transaction execution instruction from the user on the page of the passbook. To do. Moreover, the passbook processing unit 240 conveys the passbook for which the transaction history or the like has been printed, discharges it from the passbook insertion / discharge port 240a, and returns it to the user.

  The coin processing unit 250 and the banknote processing unit 260, according to the transaction executed by the automatic transaction apparatus 200, deposit or withdraw coins and banknotes corresponding to the amount based on the transaction format. It performs with respect to the mouthpiece 260a.

Next, a hardware configuration example of the host computer 300 of the automatic transaction system 100 will be described with reference to FIG.
FIG. 4 is a diagram illustrating a hardware configuration example of the host computer according to the second embodiment.

  The host computer 300 communicates with a CPU 310a, a RAM 310b, an HDD 310c, a graphic processing unit 310d to which a display unit 320a such as a monitor is connected, an input / output interface 310e to which an input unit 320b such as a keyboard and a mouse is connected. And a control unit 310f. These units are connected to each other by a bus 310g.

  Thus, since the host computer 300 has the same configuration as that of the control unit 210 of the automatic transaction apparatus 200, description of each configuration is omitted. In addition, the communication control part 310f performs communication with the communication control part 210f of the automatic transaction apparatus 200 via the network 400, respectively.

Next, a function example provided in the automatic transaction system 100 having such a hardware configuration example will be described with reference to FIG.
FIG. 5 is a functional block diagram illustrating an example of functions provided in the automatic transaction system according to the second embodiment.

  FIG. 6 is a diagram illustrating an example of information included in the host computer according to the second embodiment. FIG. 6A illustrates an example of an account ledger, and FIG. 6B illustrates a store number and a store name. It is a table showing an example of a correspondence of each.

The automatic transaction apparatus 200 of the automatic transaction system 100 includes a transaction screen information storage unit 211 and a balance information storage unit 212.
The transaction screen information storage unit 211 holds information on a screen used when executing a transaction displayed on the display unit 220a of the automatic transaction apparatus 200. For example, information on each screen shown in FIGS. 13 to 17 described later is held.

The balance information storage unit 212 stores deposit balance information such as when the automatic transaction apparatus 200 is notified of the balance notified from the host computer 300 and when payment is requested.
Further, the automatic transaction apparatus 200 includes an operation reception unit 213, a display processing unit 214, a communication processing unit 215, a balance inquiry execution unit 216 (corresponding to the balance inquiry unit 31), and a transaction execution unit 217 (transaction request unit 32). , Corresponding to the determination unit 33 and the notification unit 34).

  The operation reception unit 213 is a user operation input detected by the input detection unit 220b of the automatic transaction apparatus 200, a card insertion into the card insertion / discharge port 230a, a passbook insertion into the passbook insertion / discharge port 240a, a coin deposit / withdrawal port. Accepts deposits of coins and bills to 250a and bill deposit / withdrawal port 260a.

  The display processing unit 214 refers to the transaction screen information storage unit 211 and displays a transaction screen designated by a balance inquiry execution unit 216 and a transaction execution unit 217 described later. The display processing unit 214 displays the amount received by the user, the deposit balance received from the host computer 300, and the like together with the transaction screen.

  The communication processing unit 215 notifies the balance inquiry execution unit 216 or the transaction execution unit 217 of the information received from the host computer 300. In addition, the communication processing unit 215 notifies the host computer 300 of information from the balance inquiry execution unit 216 and the transaction execution unit 217.

  The balance inquiry execution unit 216 executes the balance inquiry by the operation input received by the operation reception unit 213. The balance inquiry execution unit 216 causes the display processing unit 214 to display the deposit balance inquired about the balance on the display unit 220a. Details of processing executed by the balance inquiry execution unit 216 will be described later.

  The transaction execution unit 217 executes a transaction such as payment or payment in which the deposit balance is updated with respect to the host computer 300 by an operation input from the operation reception unit 213. Moreover, the transaction execution part 217 displays a transaction result etc. on the display part 220a by the display process part 214. FIG. Details of the processing executed by the transaction execution unit 217 will be described later.

  Moreover, the balance inquiry execution part 216 and the transaction execution part 217 will operate each processing unit as needed, and will return a card | curd, a banknote, a coin, etc. to a user, if balance inquiry and transaction are each complete | finished.

  On the other hand, the host computer 300 of the automatic transaction system 100 includes an account ledger storage unit 311 (corresponding to the storage unit 21), a communication processing unit 312, an inquiry processing unit 313 (corresponding to the inquiry processing unit 22), and a transaction processing unit 314. (Corresponding to the transaction processing unit 23).

  The account ledger storage unit 311 stores information related to the account ledger in which a store number, an account number, a personal identification number, a deposit balance, and a transaction history are associated with each account. For example, as shown in FIG. 6A, for a certain account, store number “001”, account number “012345”, personal identification number “1234”, deposit balance “100000 (yen)”, transaction history “26-5” “-20, AB branch, payment, 30000” etc. are stored. The transaction history is composed of “transaction date”, “store name where the transaction was performed”, “transaction type”, and “transaction amount”, and includes “remarks” as necessary. For example, the transaction history is “26-5-20 (transaction date), AB branch (the name of the store where the transaction was made), payment (transaction type), 30000 (transaction amount)”, and “26- 5-20 (transaction date), CD branch (the name of the store where the transaction was made), transfer (transaction type), 10000 (transaction amount), gas (remarks) ”. Such transaction history is delimited by a semicolon (“;”).

  The account ledger storage unit 311 holds a table in which store numbers and store names of the store numbers are associated with the account ledger information. For example, as shown in FIG. 6B, the store number “001” corresponds to the store name “GH”.

  The communication processing unit 312 notifies the inquiry processing unit 313 or the transaction processing unit 314 of the information received from the automatic transaction apparatus 200. In addition, the communication processing unit 312 notifies the automatic transaction apparatus 200 of information from the inquiry processing unit 313 and the transaction processing unit 314.

  When the inquiry processing unit 313 receives a balance inquiry request from the automatic transaction apparatus 200, the inquiry processing unit 313 refers to the account ledger storage unit 311, specifies the deposit balance of the corresponding account, and requests the specified deposit balance for the requested automatic transaction. Notify device 200. Details of processing executed by the inquiry processing unit 313 will be described later.

  When the transaction request is notified from the automatic transaction apparatus 200, the transaction processing unit 314 refers to the account ledger storage unit 311 to specify the deposit balance of the corresponding account, and determines whether the transaction is possible according to the specified deposit balance. judge. If the transaction is possible, the transaction processing unit 314 notifies the automatic transaction apparatus 200 of a transaction permission response together with the updated deposit balance based on the transaction amount. If the transaction is impossible, the transaction balance 314 The transaction rejection response is notified to the automatic transaction apparatus 200 together with the deposit balance without updating. Details of processing executed by transaction processing unit 314 will be described later.

Next, transaction processing executed by the automatic transaction apparatus 200 and the host computer 300 will be described. In the following transaction processing, payment processing is performed after the balance inquiry.
Transaction processing executed by the automatic transaction apparatus 200 will be described with reference to FIGS. 7 to 9, 12, and FIGS. 13 to 17.

7 to 9 are flowcharts for executing transaction processing of the automatic transaction apparatus according to the second embodiment.
FIG. 12 is a diagram illustrating an example of a message used in the transaction process according to the second embodiment.

  13 to 17 are diagrams illustrating examples of screens used in transaction processing of the automatic transaction apparatus according to the second embodiment. Note that each message example in FIG. 12 and each screen example in FIGS. 13 to 17 will be described in the processing of the flows in FIGS. 7 to 9.

The automatic transaction apparatus 200 displays a transaction selection screen (FIG. 13A: screen 1) as an initial screen on the display unit 220a and waits for a transaction start from the user.
Such an automatic transaction apparatus 200 executes the processes of FIGS. 7 to 9 when the user touches “Balance inquiry” on the transaction selection screen.

  [Step S11] The balance inquiry execution unit 216 causes the display processing unit 214 to select a card reception screen (FIG. 13B: screen 2) from the transaction screen information storage unit 211, and displays the card reception screen on the display unit 220a. Display.

  [Step S12] The operation accepting unit 213 waits for a card to be inserted into the card insertion / discharge port 230a. When the card is received at the card insertion / discharge port 230a, the process of step S13 is executed.

  [Step S13] The balance inquiry execution unit 216 causes the display processing unit 214 to select a personal identification number reception screen (FIG. 13C: screen 3) from the transaction screen information storage unit 211 and display the personal identification number reception screen. 220a is displayed.

[Step S14] When the operation receiving unit 213 receives an input of a 4-digit password, the process of step S15 is executed.
[Step S15] The balance inquiry execution unit 216 generates a balance inquiry request message (FIG. 12A).

  The balance inquiry request message corresponds to the message type 10 and requests a balance inquiry from the host computer 300. The store number and the account number read from the card received in step S12 and the password received in step S14. Including numbers.

  [Step S16] The balance inquiry execution unit 216 causes the display processing unit 214 to select the standby screen (FIG. 14A: screen 4) from the transaction screen information storage unit 211, and causes the display unit 220a to display the standby screen. .

  [Step S17] The balance inquiry execution unit 216 communicates with the host computer 300 via the communication processing unit 215, and transmits the balance inquiry request message generated in step S15 to the host computer 300.

  [Step S18] When the balance inquiry execution unit 216 waits for a response message for the balance inquiry request generated by the host computer 300 from the host computer 300 via the communication processing unit 215 and receives the response message, the process of step S19 is performed. Is executed.

In the second embodiment, as a response message from the host computer 300, a message of message type 11 (FIG. 12 (B-1)) or message type 12 (FIG. 12 (B-2)) is received.
The message type 11 is a balance inquiry permission response message indicating that the balance inquiry is permitted, and includes information on the deposit balance of the account.

  The message type 12 is a balance inquiry refusal response message indicating that the balance inquiry is not permitted, and includes information on a reason for refusal (for example, a difference in password (password difference), suspension of use due to various circumstances).

[Step S19] The balance inquiry execution unit 216 determines whether or not the response message received in step S18 is a balance inquiry permission response message (FIG. 12 (B-1): message type 11).
If the determination result is a balance inquiry permission response message, the process of step S20 is executed, and the determination result is not a balance inquiry permission response message (balance inquiry rejection response message (FIG. 12 (B-2): message). In the case of type 12)), the process of step S51 (FIG. 9) is executed.

  [Step S20] The balance inquiry execution unit 216 causes the display processing unit 214 to select the balance screen (FIG. 14B: screen 5) from the transaction screen information storage unit 211 and display the balance screen on the display unit 220a. .

  At this time, the balance inquiry execution unit 216 causes the display processing unit 214 to display the balance screen and the deposit balance included in the balance inquiry permission response message received in step S18 (“100,000 yen” in the second embodiment). Is also displayed.

[Step S21] The operation accepting unit 213 waits for either the “payment” button or the “confirmation” button on the balance screen (FIG. 14B: screen 5) to be pressed.
When the operation accepting unit 213 accepts pressing of the “payment” button, the process of step S22 is executed to start the payment process. When accepting pressing of the “confirm” button, the process of step S52 (FIG. 9) is executed. The

  [Step S22] The balance inquiry execution unit 216 causes the balance information storage unit 212 to store the deposit balance (“100,000 yen”) (deposit balance at the time of inquiry) included in the balance inquiry permission response message received in step S18.

  [Step S23] The transaction execution unit 217 causes the display processing unit 214 to select the payment amount reception screen (FIG. 14C: screen 6) from the transaction screen information storage unit 211, and displays the payment amount reception screen on the display unit 220a. To display.

  [Step S24] The operation accepting unit 213 accepts the payment amount by operating the numeric keypad on the payment amount acceptance screen (FIG. 14C), and accepts the received payment amount (“50,000 yen in the second embodiment). ") Is displayed in the payment amount acceptance screen.

Further, the operation reception unit 213 waits for pressing of a “confirm” button or a “correction” button on the payment amount reception screen.
When the operation accepting unit 213 accepts pressing of the “correction” button, the process of step S25 is executed. When accepting pressing of the “confirm” button, the process of step S26 is executed.

  [Step S25] The transaction execution unit 217 causes the display processing unit 214 to select the payment amount reacceptance screen (FIG. 15A: screen 7) from the transaction screen information storage unit 211 and display the payment amount reacceptance screen. This is displayed on the part 220a.

  [Step S26] The transaction execution unit 217 determines whether or not the payment amount received in step S24 is equal to or less than the deposit balance at inquiry stored in the balance information storage unit 212 in step S22.

  If the payment amount is not less than or equal to the deposit balance at the time of inquiry (the deposit balance at the time of inquiry is smaller), the process of step S27 is executed. If the payment amount is less than or equal to the deposit balance at the time of inquiry, step S28 is performed. The process is executed.

At the present stage in the case of the second embodiment, since the payment amount is “50,000 yen” and the deposit balance at inquiry is “100,000 yen”, the process of step S28 is executed.
[Step S27] The transaction execution unit 217 causes the display processing unit 214 to select a payment amount re-acceptance (insufficient balance) screen (FIG. 15B: screen 8) from the transaction screen information storage unit 211 to re-pay the payment amount. The reception (balance shortage) screen is displayed on the display unit 220a, and the process of step S24 is executed again.

  When displaying the payment amount reacceptance (insufficient balance) screen, the transaction execution unit 217 can also cause the display processing unit 214 to display the inquiry deposit balance stored in step S22. The deposit balance displayed in FIG. 15 (B) indicates a case where the deposit balance at the time of inquiry included in the message in step S18 is “35,000 yen”. With such a display, the user can specify the payment amount so as not to run out of balance.

  [Step S28] The transaction execution unit 217 causes the display processing unit 214 to select the payment amount confirmation screen (FIG. 15C: screen 9) from the transaction screen information storage unit 211, and displays the payment amount confirmation screen on the display unit 220a. To display.

In the case of the second embodiment, “50,000 yen” is displayed as the payment amount on the payment amount confirmation screen.
[Step S29] The operation accepting unit 213 waits for the user to press either the “Confirm” button or the “Correction” button on the payment amount confirmation screen (FIG. 15C).

  When the operation accepting unit 213 accepts pressing of the “confirm” button, the process of step S30 (FIG. 8) is executed, and when accepting the press of the “correction” button, the process of step S23 is executed again.

[Step S30] The transaction execution unit 217 generates a payment request message (FIG. 12C) after the balance inquiry.
The payment request message after the balance inquiry corresponds to the message type 20 and requests the host computer 300 for payment processing after the balance inquiry, and includes the store number and account number read from the card received in step S12. And the payment amount received in step S24 (for example, “50,000 yen”).

  [Step S31] The transaction execution unit 217 causes the display processing unit 214 to select the standby screen (FIG. 14A: screen 4) from the transaction screen information storage unit 211, and causes the display unit 220a to display the standby screen.

  [Step S <b> 32] The transaction execution unit 217 communicates with the host computer 300 to transmit the payment request message after the balance inquiry generated in Step S <b> 30 to the host computer 300.

  [Step S33] The transaction execution unit 217 waits for a response message to the payment request after balance inquiry generated by the host computer 300 from the host computer 300, and executes the process of step S34 when receiving the response message.

In the second embodiment, as a response message from the host computer 300, a message of message type 21 (FIG. 12 (D-1)) or message type 22 (FIG. 12 (D-2)) is received.
The message type 21 is a payment permission response message after balance inquiry indicating that payment is permitted, and is generated in the host computer 300, and the account deposit in which the payment amount included in the payment request message after balance inquiry is reduced. Contains balance information.

  The message type 22 is a payment rejection response message after balance inquiry indicating that payment is not permitted. The message type 22 is generated by the host computer 300, and the rejection reason (for example, insufficient balance, etc.) and the reason for rejection are insufficient balance. Includes information on the deposit balance at that time (corresponding to a balance incapable of transaction).

[Step S34] The transaction execution unit 217 determines whether or not the response message received in step S33 is a payment permission response message after balance inquiry (FIG. 12 (D-1): message type 21).
If the determination result is a payment permission response message after balance inquiry, the process of step S35 is executed, and the determination result is not a payment permission response message after balance inquiry (in the case of the second embodiment). In the case of a payment rejection response message after balance inquiry (FIG. 12 (D-2): message type 22), the process of step S37 is executed.

  [Step S35] The transaction executing unit 217 includes the deposit balance (after deduction by payment) included in the payment amount received in Step S24 and the message type 21 in Step S33, with the inquiry deposit balance stored in Step S22. It is determined whether or not it is equal to the sum of the amount corresponding to the post deposit balance).

  Note that the sum of the payment amount accepted in step S24 and the deposit balance included in the message type 21 in step S33 (after the reduction due to payment) makes a payment request from the automatic transaction apparatus 200 to the host computer 300. This is the deposit balance at the time it is made, and can be regarded as the deposit balance at the time of payment.

  When the deposit balance at the time of inquiry is equal to the deposit balance at the time of payment (that is, after the balance inquiry, another transaction is not executed for the same account), the process of step S49 (FIG. 9) is executed.

  On the other hand, when the deposit balance at the time of inquiry is not equal to the deposit balance at the time of payment (that is, another transaction is executed for the same account after the balance inquiry), the process of step S36 is executed.

  [Step S36] The transaction execution unit 217 stores, in the balance information storage unit 212, the sum of the payment amount received in Step S24 and the deposit balance (after reduction) included in the message type 21 in Step S33 (at the time of payment) (Deposit balance) is stored.

[Step S37] The transaction execution unit 217 determines whether or not the reason for rejection of the payment rejection response message after the balance inquiry received in step S33 is a shortage of balance.
If the reason for refusal is a shortage of balance, the process of step S38 is executed. If the reason for refusal is a reason other than a shortage of balance, the process of step S51 (FIG. 9) is executed.

  [Step S38] The transaction execution unit 217 stores in the balance information storage unit 212 the deposit balance (the deposit balance at the time of payment) included in the payment rejection message (FIG. 12 (D-2)) after the balance inquiry received in step S33. Remember.

  The deposit balance included in the message type 22 in step S33 is a deposit balance at the time when the automatic transaction apparatus 200 makes a payment request to the host computer 300, and can be said to be a deposit balance at the time of payment.

[Step S39] The transaction execution unit 217 generates a transaction history request message (FIG. 12 (E-1)).
The transaction history request message corresponds to the message type 90 and requests the host computer 300 to transmit the transaction history, and includes the store number and the account number read from the card received in step S12.

  [Step S40] The transaction execution unit 217 causes the display processing unit 214 to select the standby screen (FIG. 14A: screen 4) from the transaction screen information storage unit 211, and causes the display unit 220a to display the standby screen.

  [Step S41] The transaction execution unit 217 communicates with the host computer 300 via the communication processing unit 215, and transmits the transaction history request message generated in step S39 to the host computer 300.

  [Step S <b> 42] The transaction execution unit 217 sends a transaction history response message (FIG. 12E-2) of the message type 91 to the transaction history request generated by the host computer 300 from the host computer 300 via the communication processing unit 215. When waiting and receiving the response message, the process of step S43 (FIG. 9) is executed.

  The transaction history response message (FIG. 12 (E-2)) of the message type 91 includes information on the transaction history generated by the host computer 300 and executed for the account included in the transaction history request message.

[Step S43] The transaction execution unit 217 extracts transaction history information from the transaction history response message received in step S42.
[Step S44] The transaction execution unit 217 determines whether the payment amount received in step S24 is equal to or less than the deposit balance at the time of payment stored in the balance information storage unit 212 (in step S36 or step S38).

  If the payment amount is not less than or equal to the deposit balance at the time of payment (the payment amount exceeds the deposit balance at the time of payment), the process of step S45 is executed. Processing is executed.

  [Step S45] The transaction execution unit 217 causes the display processing unit 214 to select the transaction history display (balance shortage) screen (FIG. 16A: screen 10) from the transaction screen information storage unit 211, and displays the transaction history display ( (Balance shortage) screen is displayed on the display unit 220a.

  At this time, the transaction execution unit 217 causes the display processing unit 214 to send the inquiry deposit balance (step S22), the payment amount (step S24), the payment deposit balance (step S38), and the transaction history (step S43). Is displayed.

In FIG. 16A, “deposit balance in balance inquiry” displays the deposit balance at the time of inquiry, and “deposit balance” displays the deposit balance at the time of payment.
[Step S46] When the operation accepting unit 213 accepts pressing confirmation of the transaction history display (insufficient balance) screen (FIG. 16A), the process of step S23 (FIG. 7) is executed.

  [Step S47] The transaction execution unit 217 causes the display processing unit 214 to select a transaction history display screen (FIG. 16B: screen 11) from the transaction screen information storage unit 211, and displays the transaction history display screen on the display unit 220a. To display.

  At this time, the transaction execution unit 217 displays the deposit balance at the time of inquiry (step S22), the payment amount (step S24), the deposit balance at the time of payment (step S36), and the transaction history (step S43). Is displayed.

In FIG. 16B, “deposit balance in balance inquiry” displays the deposit balance at the time of inquiry, and “deposit balance” displays the deposit balance at the time of payment.
FIG. 16B shows a case where another payment is made by another automatic transaction apparatus 200 or the like and the deposit balance at the time of inquiry is reduced after the balance inquiry by the automatic transaction apparatus 200 until payment is made. Show. However, not only when the deposit balance at the time of inquiry decreases due to another payment, but also when the deposit balance at the time of inquiry increases due to, for example, payment by another automatic transaction apparatus 200 or the like, FIG. Is displayed in the same way.

[Step S48] When the operation accepting unit 213 accepts pressing of confirmation on the transaction history display screen (FIG. 16B), the process of step S49 is executed.
[Step S49] The transaction executing unit 217 causes the coin processing unit 250 and the banknote processing unit 260 to count the amount of cash received in step S24.

  [Step S50] The transaction execution unit 217 causes the display processing unit 214 to select the medium return screen (FIG. 16C: screen 12) from the transaction screen information storage unit 211, and displays the medium return screen on the display unit 220a. Let

  [Step S51] The transaction execution unit 217 causes the display processing unit 214 to select the medium return screen (FIG. 17A: screen 13) from the transaction screen information storage unit 211, and displays the medium return screen on the display unit 220a. Let

  [Step S52] The transaction execution unit 217 causes the display processing unit 214 to select the medium return screen (FIG. 17B: screen 14) from the transaction screen information storage unit 211, and displays the medium return screen on the display unit 220a. Let

[Step S <b> 53] The transaction execution unit 217 causes the automatic transaction apparatus 200 to return the medium to the user.
The transaction execution unit 217 returns the card from the card processing unit 230 and the cash counted in the step S49 from the coin processing unit 250 and the banknote processing unit 260 to the user after the processing in step S50.

In the case after the processing of steps S51 and S52, the card processing unit 230 is operated to return only the card to the user.
[Step S54] When the transaction execution unit 217 recognizes in the card processing unit 230, the coin processing unit 250, and the banknote processing unit 260 that the medium has been removed, the process of step S55 is executed.

  [Step S55] The transaction execution unit 217 causes the display processing unit 214 to select the transaction end screen (FIG. 17C: screen 15) from the transaction screen information storage unit 211, and displays the transaction end screen on the display unit 220a. Let

  When the processing of the above flow is completed, the automatic transaction apparatus 200 again displays the transaction selection screen (FIG. 13A: screen 1) on the display unit 220a as an initial screen and waits for the start of transaction from the user.

Next, transaction processing executed by the host computer 300 will be described with reference to FIGS. 10, 11, and 12.
10 and 11 are flowcharts for executing transaction processing of the host computer according to the second embodiment.

[Step S81] When the communication processing unit 312 waits for a message from the automatic transaction apparatus 200 and receives the message, the process of step S82 is executed.
[Step S82] The inquiry processing unit 313 determines whether the message received in step S81 is either a balance inquiry request message (FIG. 12A) or a payment request message after balance inquiry (FIG. 12C). Determine whether or not.

  As a result of the determination, if it is either a balance inquiry request message or a payment request message after balance inquiry, the process of step S83 is executed, and it is neither a balance inquiry request message nor a payment request message after balance inquiry. In step S92 (FIG. 11), the process is executed.

[Step S83] The inquiry processing unit 313 searches the account ledger storage unit 311 for the account number included in the balance inquiry request message or the payment request message after the balance inquiry.
[Step S84] The inquiry processing unit 313 determines whether or not the message determined in step S82 is a balance inquiry request message.

If it is a balance inquiry request message, the process of step S85 is executed. If it is not a balance inquiry request message, the process of step S88 is executed.
[Step S85] The inquiry processing unit 313 collates the personal identification number corresponding to the account number searched in Step S83 with the personal identification number included in the balance inquiry request message.

If the passwords match, the process of step S86 is executed. If the passwords do not match, the process of step S87 is executed.
[Step S86] The inquiry processing unit 313 generates a balance inquiry permission response message (FIG. 12B-1).

  The balance inquiry permission response message corresponds to the message type 11 and notifies the automatic transaction apparatus 200 that the balance inquiry is permitted, and the deposit corresponding to the account number retrieved from the account ledger storage unit 311 in step S83. Includes balance.

When the process of step S86 is completed, the process of step S96 (FIG. 11) is executed.
[Step S87] The inquiry processing unit 313 generates a balance inquiry rejection response message (FIG. 12 (B-2)).

  The balance inquiry rejection response message corresponds to the message type 12, and notifies the automatic transaction apparatus 200 that the balance inquiry is not permitted. The reason for refusal (for example, a difference in password in the second embodiment) Contains information.

When the process of step S87 is completed, the process of step S96 (FIG. 11) is executed.
[Step S88] The transaction processing unit 314 determines whether or not the payment amount included in the payment request message after the balance inquiry is equal to or less than the deposit balance corresponding to the account number retrieved from the account ledger storage unit 311 in step S83. To do.

  If the payment amount is less than or equal to the deposit balance, the process of step S89 is executed. If the payment amount is not less than the deposit balance (the payment amount is greater than the deposit balance), the process of step S91 is executed. .

  [Step S89] The transaction processing unit 314 subtracts the payment amount included in the payment request message after the balance inquiry from the deposit balance corresponding to the account number retrieved from the account ledger storage unit 311 in step S83, thereby obtaining the deposit balance. Update.

[Step S90] The transaction processing unit 314 generates a payment permission response message (FIG. 12 (D-1)) after the balance inquiry.
The payment permission response message after the balance inquiry corresponds to the message type 21, notifies the automatic transaction apparatus 200 that payment is permitted, and includes the deposit balance information updated in step S89.

When the process of step S90 is completed, the process of step S96 (FIG. 11) is executed.
[Step S91] Transaction processing unit 314 generates a payment rejection response message (FIG. 12 (D-2)) after the balance inquiry.

  The payment rejection response message after the balance inquiry corresponds to the message type 22 and notifies the automatic transaction apparatus 200 that payment is not permitted. The reason for payment rejection is retrieved from the account ledger storage unit 311 in step S83. Information on the deposit balance corresponding to the account number.

When the process of step S91 is completed, the process of step S96 (FIG. 11) is executed.
[Step S92] The transaction processing unit 314 determines whether or not the message received in Step S81 is a transaction history request message (FIG. 12 (E-1)).

As a result of the determination, if it is a transaction history request message, the process of step S93 is executed. If it is not a transaction history request message, the process of step S95 is executed.
[Step S93] The inquiry processing unit 313 searches the account ledger storage unit 311 for the account number included in the transaction history request message.

[Step S94] The transaction processing unit 314 generates a transaction history response message (FIG. 12 (E-2)).
The transaction history response message corresponds to the message type 91 and includes transaction history information corresponding to the account number searched in step S93.

In addition, the transaction history which the transaction process part 314 acquires acquires the information of the log | history from the latest log | history to the transaction of the predetermined number of times, for example.
[Step S95] The transaction processing unit 314 executes processing for the request message received from the automatic transaction apparatus 200 received in step S81.

  [Step S <b> 96] The transaction processing unit 314 communicates with the automatic transaction apparatus 200 and transmits the electronic message generated in steps S <b> 86, S <b> 87, S <b> 90, S <b> 91, S <b> 94, and S <b> 95 to the automatic transaction apparatus 200.

Each time the host computer 300 receives a message from the automatic transaction apparatus 200, the host computer 300 executes the above flow.
In the automatic transaction apparatus 200, when performing payment after the balance inquiry of the account, another transaction is performed on the account by another automatic transaction apparatus 200 or the like after the balance inquiry, and the updated balance inquiry The time deposit balance and transaction history are displayed on the display unit 220a to notify the user. Thereby, the user can grasp that the deposit balance at the time of balance inquiry at the time of payment is updated and the transaction history as the basis for the update. For this reason, even if the deposit balance is updated at the time of payment after the balance inquiry, or the balance is insufficient, the user can be relieved of anxiety such as being withdrawn by fraud.

  The above processing functions can be realized by a computer. In that case, a program describing the processing contents of the functions that the control unit 210 should have is provided. By executing the program on a computer, the above processing functions are realized on the computer. The program describing the processing contents can be recorded on a computer-readable recording medium (including a portable recording medium). Examples of the computer-readable recording medium include a magnetic recording device, an optical disk, a magneto-optical recording medium, and a semiconductor memory. Magnetic recording devices include hard disk devices (HDD), flexible disks (FD), magnetic tapes, and the like. Optical discs include DVD (Digital Versatile Disc), DVD-RAM, CD (Compact Disk) -ROM (Read Only Memory), CD-R (Recordable) / RW (ReWritable), and the like. Magneto-optical recording media include MO (Magneto-Optical disk).

  When distributing the program, for example, a portable recording medium such as a DVD or a CD-ROM in which the program is recorded is sold. It is also possible to store the program in a storage device of a server computer and transfer the program from the server computer to another computer via a network.

  The computer that executes the program stores, for example, the program recorded on the portable recording medium or the program transferred from the server computer in its own storage device. Then, the computer reads the program from its own storage device and executes processing according to the program. The computer can also read the program directly from the portable recording medium and execute processing according to the program. Further, each time the program is transferred from the server computer, the computer can sequentially execute processing according to the received program.

Note that various modifications can be made to the above-described embodiment without departing from the gist of the embodiment.
Furthermore, the above-described embodiments can be modified and changed by those skilled in the art, and are not limited to the exact configurations and application examples described.

DESCRIPTION OF SYMBOLS 10 Automatic transaction system 20 Host computer 21 Memory | storage part 22 Inquiry processing part 23 Transaction processing part 30 Automatic transaction apparatus 31 Balance inquiry part 32 Transaction request part 33 Judgment part 34 Notification part

Claims (5)

In an automatic transaction apparatus that communicates with a host computer including a storage unit that stores an account ledger that associates a deposit balance for each account,
A balance inquiry unit for sending a balance inquiry request to the host computer and receiving a deposit balance at the time of inquiry which is a deposit balance at the time of the balance inquiry request from the host computer;
A transaction request unit for transmitting a transaction request and a transaction amount to the host computer, and receiving a post-transaction deposit balance in which the transaction amount is reflected in a deposit balance from the host computer;
A determination unit for determining whether or not the inquiry deposit balance is updated based on the inquiry deposit balance, the transaction amount, and the post-transaction deposit balance;
When the inquiry deposit balance is updated, a notification unit for notifying that the inquiry deposit balance is updated;
An automatic transaction apparatus comprising: When the transaction request unit accepts a non-transaction balance in which the transaction amount could not be reflected in the deposit balance of the account ledger from the host computer,
The determination unit determines that the deposit balance at the time of inquiry is updated;
The automatic transaction apparatus according to claim 1. The determination unit determines that the inquiry deposit balance is updated when the inquiry deposit balance does not match the total transaction amount and the post-transaction deposit balance.
The automatic transaction apparatus according to claim 1. Transaction history for the account is associated with each account in the account ledger,
When it is determined that the inquiry deposit balance has been updated, the transaction request unit transmits a transaction history request to the host computer, receives the transaction history from the host computer,
The notifying unit notifies the transaction history together with the updated deposit balance at the time of inquiry,
The automatic transaction apparatus according to any one of claims 1 to 3. A storage unit for storing an account ledger in which a deposit balance is associated with each account;
When receiving a balance inquiry request, an inquiry processing unit that refers to the storage unit and transmits an inquiry deposit balance that is a deposit balance at the time of the balance inquiry request;
When the transaction request and transaction amount are received, the storage unit is referred to determine whether the transaction amount is transactable based on the deposit balance, and when the transaction is possible, the transaction amount is reflected in the deposit balance. A transaction processing unit that transmits the post-deposit deposit balance and updates the deposit balance with the post-deposit deposit balance;
A host computer including:
A balance inquiry unit for sending the balance inquiry request to the host computer and receiving the inquiry deposit balance from the host computer;
A transaction request unit that transmits the transaction request and the transaction amount to the host computer, and receives the post-transaction deposit balance from the host computer;
A determination unit for determining whether or not the inquiry deposit balance is updated based on the inquiry deposit balance, the transaction amount, and the post-transaction deposit balance;
When the inquiry deposit balance is updated, a notification unit for notifying that the inquiry deposit balance is updated;
An automatic transaction apparatus including:
An automatic transaction system comprising:

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