JP2017027542A - Automatic transaction machine, automatic transaction method and automatic transaction system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an automatic transaction machine, an automatic transaction method and an automatic transaction system capable of improving the user-friendliness.SOLUTION: An automatic transaction machine 1 includes: an input reception section 2; a control unit 3; and a display unit 4. The input reception section 2 reads a piece of account information and receives an input of an expenditure amount. The control unit 3 acquires a piece of history information indicating a history of transaction on the account corresponding to the account information, and controls the display unit 4 to display a proposal of transaction relevant to the expenditure amount according to expenditure total amount in the history information.SELECTED DRAWING: Figure 1

Description

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

  An automatic teller machine (ATM) is used in financial institutions. ATM fees vary depending on conditions such as the day of the week on which the user uses the ATM, the time zone, the contract status of the account, the number of times that the fee is free per month, and the like, and are complicated.

  Also, in ATM, a technique for displaying an ATM usage fee is known. In ATM, a technique for displaying a menu screen having a fee display area for displaying a fee for each transaction item is known.

JP 2014-164649 A JP 2006-134011 A

  In the prior art, the number of times that the ATM fee is free is displayed on the ATM balance inquiry screen and the ATM fee is displayed on the ATM transaction menu selection screen, and further convenience improvement is desired. .

  In one aspect, an object of the present invention is to provide an automatic transaction apparatus, an automatic transaction method, and an automatic transaction system that can further improve user convenience.

  In order to achieve the above object, an automatic transaction apparatus as shown below is provided. The automatic transaction apparatus includes an input receiving unit, a control unit, and a display unit. The input receiving unit receives input of account information and a withdrawal amount. The control unit acquires history information representing a transaction history in the account corresponding to the account information, and causes the display unit to display a transaction proposal related to the withdrawal amount according to the total withdrawal amount in the history information.

  According to one aspect, it is possible to provide an automatic transaction apparatus, an automatic transaction method, and an automatic transaction system that can further improve user convenience.

It is a figure which shows an example of the automatic transaction apparatus of 1st Embodiment. It is a figure which shows an example of the automatic transaction system of 2nd Embodiment. It is a figure which shows an example of the hardware constitutions of ATM of 2nd Embodiment. It is a figure which shows an example of the hardware constitutions of the host computer of 2nd Embodiment. It is a figure which shows an example of the transaction history table of 2nd Embodiment. It is a figure which shows an example of the fee free remaining frequency table of 2nd Embodiment. It is a figure which shows an example of the transaction selection screen of the customer operation part of 2nd Embodiment. It is a figure which shows an example of the 1st payment screen of the customer operation part of 2nd Embodiment. It is a figure which shows an example of the 2nd withdrawal screen of the customer operation part of 2nd Embodiment. It is a figure which shows the sequence of ATM and host computer of 2nd Embodiment. It is a figure which shows the flowchart of the transaction proposal information generation process of 2nd Embodiment. It is a figure which shows the flowchart of this month excess amount determination processing of 2nd Embodiment. It is a figure which shows the flowchart of the month-on-month proposal amount determination process of 2nd Embodiment. It is a figure which shows the flowchart of a year-on-year excess amount determination process of 2nd Embodiment. It is a figure which shows the flowchart of the year-on-year proposal amount determination process of 2nd Embodiment. It is a figure which shows the flowchart of the transaction proposal information display process of 2nd Embodiment.

Hereinafter, embodiments will be described in detail with reference to the drawings.
[First Embodiment]
First, the automatic transaction apparatus of 1st Embodiment is demonstrated using FIG. FIG. 1 is a diagram illustrating an example of an automatic transaction apparatus according to the first embodiment.

  The automatic transaction apparatus 1 includes an input receiving unit 2, a control unit 3, and a display unit 4. The automatic transaction apparatus 1 is an apparatus that performs financial transactions, and is, for example, a transaction terminal provided in an ATM provided in a financial institution or the like, a convenience store, or the like.

  The input receiving unit 2 is an input unit such as a card reader, a numeric keypad, or a touch panel. The input receiving unit 2 reads account information recorded on the card, and receives a transaction instruction (withdrawal, deposit, transfer, etc.) and an input of a withdrawal amount by using a numeric keypad or a touch panel. The account information is information for specifying an account in a financial institution or the like, for example, information including an account number.

  The control unit 3 acquires history information representing a transaction history in the account corresponding to the account information, and causes the display unit 4 to display a transaction proposal related to the withdrawal amount according to the total amount of withdrawal in the history information. The control unit 3 acquires history information including the total withdrawal amount for the current month and the total withdrawal amount for the comparison month in the account corresponding to the account information. The comparison month may be, for example, either the previous month of the month in which the input receiving unit 2 has received an input, the same month in the previous year of the month in which the input has been received, or another month.

  The display unit 4 can display and output an instruction for prompting input of a card, a withdrawal amount, etc., a transaction proposal, and a withdrawal amount. The display unit 4 includes, for example, a display that can be displayed by an instruction by display output.

  Here, the case where a user withdraws money by the automatic transaction apparatus 1 will be described. The user instructs the automatic transaction apparatus 1 to withdraw money, inserts a card of an account to be withdrawn, and inputs the withdrawal amount.

  The automatic transaction apparatus 1 accepts a withdrawal instruction from a user, reads account information recorded on a card by the input accepting unit 2, and accepts the instructed withdrawal amount. The control unit 3 of the automatic transaction apparatus 1 acquires history information in an account corresponding to the account information read by the input receiving unit 2.

The control unit 3 refers to the history information, compares the total withdrawal amount of the current month with the total withdrawal amount of the comparison month, and causes the display unit 4 to display the transaction proposal and the withdrawal amount according to the comparison result. .
The transaction proposal is information proposed for the transaction, and includes information related to the withdrawal amount, information related to the ATM usage fee, and the like. For example, the transaction proposal includes a proposal amount that is an amount proposed as a withdrawal amount when the total withdrawal amount of the current month is smaller than the total withdrawal amount of the comparison month. When the comparison month is the previous month, the control unit 3 said, “The withdrawal amount in the previous month was [total withdrawal amount in the previous month] yen. It is recommended that the withdrawal amount this time is [suggested amount] yen. . ”Is displayed on the display unit 4. The proposed amount is the difference between the total withdrawal amount for the current month and the total withdrawal amount for the comparative month.

  The transaction proposal also includes a warning that the total withdrawal amount for the current month is large if the total withdrawal amount for the current month is greater than the total withdrawal amount for the comparative month. For example, when the comparison month is the same month of the previous year, the control unit 3 said, “The total withdrawal amount in the same month in the previous year was [Total withdrawal amount in the same month in the previous year] yen. A transaction proposal including a warning that “the difference between the total amount of withdrawals in the same month of the previous year and the total amount of withdrawals in the current month” is spent on the display unit 4.

  Thus, the automatic transaction apparatus 1 displays the transaction proposal and the withdrawal amount on the display unit 4 when the withdrawal transaction is instructed by the user. Thereby, the user can review or change the withdrawal amount based on the transaction proposal on the withdrawal amount confirmation screen.

  When the number of times that the usage fee of the automatic transaction apparatus is free is managed for the account, the remaining number of times that the usage fee of the automatic transaction apparatus for the account is free can be included in the history information. In this case, the control unit 3 displays the transaction proposal on the display unit 4 when the remaining number of times that the use fee of the automatic transaction apparatus for the account is free is one. For example, the control unit 3 says, “This is the last time that ATM usage fees will be free. There will be a fee after the next time. If this withdrawal amount is set to [Suggested amount] yen, this month's ATM usage fee will be paid. It is expected that the number of times will be zero. ”Is displayed on the display unit 4. With this display, the control unit 3 can review the withdrawal amount so that the user can withdraw the same amount as the comparison month when the usage fee of the automatic transaction apparatus becomes one remaining. Thereby, when a user is going to withdraw the same amount as a comparison month this month, the usage fee of an automatic transaction apparatus can be reduced.

Thus, the automatic transaction apparatus 1 can further improve the convenience for the user by displaying the transaction proposal.
[Second Embodiment]
Next, as a second embodiment, an automatic transaction system in which the automatic transaction apparatus 1 is applied to ATM will be described with reference to FIG. FIG. 2 is a diagram illustrating an example of an automatic transaction system according to the second embodiment.

  As shown in FIG. 2, an automatic transaction system 400 in a financial institution or the like includes a plurality of ATMs 10 (one of which is shown in FIG. 2), and each ATM 10 is connected to a host computer 300 via a network 200. ing. The host computer 300 is connected to the database 350.

The ATM 10 includes a customer operation unit 14, a card / receipt unit 15, a banknote processing unit 16, and a numeric keypad input unit 17.
The customer operation unit 14 includes a display and a touch panel, and performs transaction operation guidance, transaction proposal display, and instruction reception. In addition, although illustration is abbreviate | omitted, ATM10 can perform not only the instruction | indication by display on a display etc. but the instruction | indication by audio | voices, such as a receiver. The guidance of transaction operations, input instructions, and the like are not limited to display instructions using a display or the like, but can also be instructed by voice guidance.

  The card / receipt unit 15 inserts and discharges a card in a transaction using a card such as a cash card or a credit card. In addition, the receipt issued at the end of the transaction is discharged. The banknote processing unit 16 processes the delivery of banknotes during deposit and withdrawal transactions.

  The numeric keypad input unit 17 includes a numeric keypad for inputting numbers and the like, and accepts user instructions in cooperation with the touch panel of the customer operation unit 14. For example, the numeric keypad input unit 17 can accept input of a password (password) for authenticating an account corresponding to the account information recorded on the cash card, an amount of financial transaction, and the like.

  An operation when the user performs a transaction at the ATM 10 will be described. The user operates the customer operation unit 14 and the numeric keypad input unit 17 to instruct a transaction. Next, a card is inserted and a password is input according to the guidance displayed on the customer operation unit 14. The ATM 10 can display a screen for selecting a transaction and a screen for proposing the transaction to the customer.

  The host computer 300 is a computer that manages the ATM 10 via the network 200 and transmits / receives data to / from the ATM 10. Further, the host computer 300 can perform authentication processing of the password transmitted from the ATM 10 and various transactions. Further, the host computer 300 can exchange information with the database 350 and transmits information acquired from the database 350 to the ATM 10. The database 350 is a storage device that holds transaction history, authentication information, account balance, and the like.

  Here, a case where the user selects a process for withdrawing cash (withdrawal transaction) on the screen for selecting a transaction will be described. The user inserts a card and inputs a password according to the contents displayed on the customer operation unit 14. The ATM 10 transmits the input password and the account information acquired from the card to the host computer 300, performs an authentication process, and performs a transaction instructed by the user if there is no problem with the authentication process. The user inputs the amount to be withdrawn from the numeric keypad input unit 17 in accordance with the contents displayed on the customer operation unit 14. The user confirms a screen for proposing a transaction on the screen display by the customer operation unit 14 and receives cash from the banknote processing unit 16. When the user changes the withdrawal amount after viewing the screen for proposing a transaction, the user re-enters the withdrawal amount from the numeric keypad input unit 17 and receives cash from the banknote processing unit 16. After the cash withdrawal is completed, the receipt is output from the card / receipt unit 15 and the card is returned. The user receives these and completes the transaction.

Next, the hardware configuration of ATM will be described with reference to FIG. FIG. 3 is a diagram illustrating an example of the hardware configuration of the ATM according to the second embodiment.
The ATM 10 includes a control unit 110, a display 14a, a touch panel 14b, a card / receipt processing unit 150, a banknote processing unit 160, a numeric keypad processing unit 170, and an interpersonal sensor control 180.

  The control unit 110 includes a processor 111, a RAM (Random Access Memory) 112, a first HDD (Hard Disk Drive) 113a, a second HDD 113b, an external communication interface 114, a display processing unit 115, a touch panel processing unit 116, and an I / O (Input / Output). ) The control unit 117 is connected to each other via the bus 118. The control unit 110 is also an example of a computer.

  The processor 111 controls the entire operation of the ATM 10, and is, for example, a CPU (Central Processing Unit). The RAM 112 temporarily stores at least part of an OS (Operating System) program and application programs to be executed by the processor 111. The RAM 112 stores various data necessary for processing by the processor 111.

  The first HDD 113a and the second HDD 113b can store the OS, application programs, transaction history, and the like. The first HDD 113a and the second HDD 113b are duplexed for system protection, but may be configured by only one of them. The first HDD 113a and the second HDD 113b can be replaced with other storage devices such as an SSD (Solid State Drive).

  The external communication interface 114 is connected to the external network 200 and transmits / receives data to / from the host computer 300. The external communication interface 114 can transmit a password, transaction information, and the like to the host computer 300. The external communication interface 114 can receive password approval information, transaction history information, and the like from the host computer 300.

  A display 14 a is connected to the display processing unit 115. The display 14a constitutes the customer operation unit 14 together with the touch panel 14b. The display processing unit 115 displays various information such as operation guidance on the screen of the display 14a under the control of the processor 111. Although not shown, the ATM 10 may include not only the display processing unit 115 but also an audio processing unit. A device capable of outputting sound, such as a handset and earphone, is connected to the sound processing unit. The voice processing unit may be configured to accompany the customer operation unit 14. Under the control of the processor 111, the voice processing unit outputs various kinds of information such as operation guidance to the handset by voice guidance.

  The touch panel 14b is connected to the touch panel processing unit 116. The touch panel 14b is formed in the upper layer of the display 14a. The touch panel processing unit 116 detects the position on the screen where the user's finger touches or approaches the touch panel 14b, and notifies the processor 111 of the detected position.

  Connected to the I / O control unit 117 are a card / receipt processing unit 150, a bill processing unit 160, a numeric keypad processing unit 170, and an interpersonal sensor control 180. Under the control of the processor 111, the I / O control unit 117 notifies each connected unit of an instruction from the processor 111 and sends information acquired from each unit to the processor 111 via the bus 118.

  The card / receipt processing unit 150 is provided in the card / receipt unit 15 and controls card taking-in and discharging, and receipt discharging. In addition, the magnetic information (account number or the like) attached to the captured card is read, and an image of the surface of the card (the surface on which the emboss is formed or the surface on which the card number is printed) is acquired.

The banknote processing unit 160 is provided in the banknote processing unit 16 and controls banknote deposit / withdrawal and door opening / closing in accordance with instructions from the processor 111.
The numeric keypad processing unit 170 is provided in the numeric keypad input unit 17, and receives information on the numeric keypad pressed by the user. The information on the numeric keypad pressed by the user may include a password, a withdrawal amount, information used for financial transactions, and the like. The interpersonal sensor control 180 controls an interpersonal sensor that detects the approach of a person, and detects that a user has approached the ATM 10.

  The portable recording medium 190 is a recording medium such as a DVD (Digital Versatile Disk) or a CD-ROM (Compact Disc? Read Only Memory). The portable recording medium 190 can store a transaction history and the like.

  With the hardware configuration as described above, the processing functions of this embodiment can be realized. In addition, said structure is an example and the combination of the structure part of ATM10 is determined suitably. Of the above configuration, unnecessary ones may be deleted, for example, a biometric authentication unit using palm veins or finger veins, a non-contact IC unit corresponding to a non-contact IC, a coin processing unit, or the like may be added. .

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

  The host computer 300 includes a control unit 310. The control unit 310 includes a processor 311, a RAM 312, an HDD 313, an input / output signal interface 314, a storage medium interface 315, and a communication interface 316. The entire host computer 300 is controlled by the processor 311. A RAM 312 and a plurality of peripheral devices are connected to the processor 311 via a bus 317. The processor 311 may be a multiprocessor. The processor 311 is, for example, a CPU, a micro processing unit (MPU), a digital signal processor (DSP), an application specific integrated circuit (ASIC), or a programmable logic device (PLD). The processor 311 may be a combination of two or more elements among the CPU, MPU, DSP, ASIC, and PLD.

  The RAM 312 is used as a main storage device of the host computer 300. The RAM 312 temporarily stores at least part of an OS program and application programs to be executed by the processor 311. The RAM 312 stores various data necessary for processing by the processor 311.

Peripheral devices connected to the bus 317 include an HDD 313, an input / output signal interface 314, a storage medium interface 315, and a communication interface 316.
The HDD 313 magnetically writes and reads data to and from the built-in disk. The HDD 313 is used as an auxiliary storage device of the host computer 300. The HDD 313 stores an OS program, application programs, and various data. As the auxiliary storage device, a semiconductor storage device such as a flash memory can be used.

  An input / output device 318 is connected to the input / output signal interface 314. The input / output device 318 includes an input device and an output device. Examples of input devices include a keyboard, a mouse, and a touch panel. Examples of output devices include a monitor, a liquid crystal display, and various panel display devices.

  The input / output signal interface 314 transmits a signal sent from the keyboard or mouse to the processor 311. Note that the mouse is an example of a pointing device, and other pointing devices can be used. Examples of other pointing devices include a touch panel, a tablet, a touch pad, and a trackball.

  The output device of the input / output device 318 displays an image on the monitor screen in accordance with an instruction from the processor 311. Examples of the monitor include a display device using a CRT (Cathode Ray Tube) and a liquid crystal display device.

  The storage medium interface 315 reads and writes data recorded on the storage medium 319 using magnetism, laser, or the like. The storage medium interface 315 may read data recorded in a storage medium such as a semiconductor memory. The storage medium 319 includes, for example, an optical disk, a semiconductor memory such as a flash memory, and the like. An optical disc is a portable recording medium on which data is recorded so that it can be read by reflection of light. Examples of the optical disc include DVD, DVD-RAM, CD-ROM, CD-R (Recordable) / RW (ReWritable), and the like.

  The storage medium interface 315 can also be used as a communication interface for connecting peripheral devices to the host computer 300. For example, a memory device or a memory reader / writer can be connected to the storage medium interface 315. The memory device is a recording medium equipped with a communication function with the storage medium interface 315. The memory reader / writer is a device that writes data to the memory card or reads data from the memory card. A memory card is a card-type recording medium.

  The communication interface 316 is connected to the network 200. The communication interface 316 transmits / receives data to / from other computers or communication devices via the network 200. Note that the communication interface 316 may be connected to the database 350 or may be connected to the database 350 via the network 200. The network 200 may be a wired network or a wireless network. The communication interface 316 may be an interface capable of transmitting and receiving bidirectional digital communication, or may be an interface capable of receiving unidirectional broadcasting.

With the hardware configuration described above, the processing functions of the host computer 300 of the second embodiment can be realized.
The host computer 300 implements the processing functions of the second embodiment by executing a program recorded on a computer-readable recording medium, for example. A program describing the processing contents to be executed by the host computer 300 can be recorded on various recording media. For example, a program to be executed by the host computer 300 can be stored in the HDD 313. The processor 311 loads at least a part of the program in the HDD 313 into the RAM 312 and executes the program. A program to be executed by the host computer 300 can also be recorded on a portable recording medium such as an optical disk, a memory device, or a memory card. The program stored in the portable recording medium becomes executable after being installed in the HDD 313 under the control of the processor 311, for example. The processor 311 can also read and execute the program directly from the portable recording medium.

Next, the transaction history table will be described with reference to FIG. FIG. 5 is a diagram illustrating an example of a transaction history table according to the second embodiment.
The transaction history table 500 is history information regarding transactions for each account corresponding to account information (store number, subject, account number). The transaction history table 500 may be stored in the database 350 accessible by the host computer 300, or may be stored in the HDD 313 of the host computer 300.

  The transaction history table 500 includes a store number, a subject, an account number, a past withdrawal history, and a current month withdrawal history. The store number is information for identifying a head office or a branch such as a financial institution. The course is information for identifying an account type such as an ordinary account or a current account. The account number is information for identifying an account. In addition, although the store number, the subject, and the account number are shown as information for specifying the account, these are examples and other information may be used.

  The past withdrawal history is past withdrawal history information in the account corresponding to the account information. The past withdrawal history includes the number of uses, the total amount of withdrawal, the fee, and the number of payments for each past year. The number of uses is the number of uses of ATM, for example, the number of withdrawals in one month corresponding to past years. The total amount of withdrawal is the total amount of withdrawal during one month corresponding to the past years. The fee is the amount of the fee paid for using the ATM during the month corresponding to the past year. The number of payments is the number of times a fee has been paid by using an ATM. For example, if it is assumed that the fee paid for using ATM is free up to three times a month, there will be a charge for the use of ATM from the fourth time. In this case, the number of uses is four and the number of payments is one.

  The past withdrawal history may be information obtained by extracting history information of the same month or the previous month from history information held by the financial institution. If there is no history information for the same month of the previous year, the past withdrawal history may be information obtained by extracting only the history information for the previous month.

  The current month withdrawal history is withdrawal history information of the current month in the account corresponding to the account information. The monthly withdrawal history includes the number of uses, the total amount of withdrawals, fees and the number of payments. The number of uses is the number of withdrawals (withdrawals) up to the date of the withdrawal transaction of the current month. The total withdrawal amount is the total amount of withdrawals up to the day of the withdrawal transaction for the current month. Fee is the amount of fee paid for using the ATM in the current month. The current month means the month when the ATM 10 has accepted processing. For example, the current month means the month in the date when the user has selected the withdrawal process on the screen for selecting the transaction of ATM 10.

  Here, when the current month is January 2015, the withdrawal history of the account specified by the store number “123”, the subject “001”, and the account number “12345678” will be described. With regard to the account with the account number “12345678”, the number of withdrawals used in “January 2014”, which is the same month of the previous year, is “6 times” and the total withdrawal amount is “115,000 yen”. Is “324 yen” and the number of payments is “3 times”. Information including the number of usages, total withdrawals, fees, and number of payments in the same month of the previous year is described as the withdrawal history of the same month of the previous year.

  In addition, for the account with the account number “12345678”, the number of withdrawals used in the previous month “December 2014” is “7 times” and the total withdrawal amount is “105,000 yen” The fee is “432 yen” and the number of payments is “4 times”. Information including the number of uses, the total amount of withdrawal, the fee, and the number of payments in the previous month is described as the withdrawal history of the previous month.

  Further, the account with the account number “12345678” has the usage count of “withdrawal” in “January 2015” that is the current month, the total withdrawal amount is “50000 yen”, and the fee is “0”. Yen ”and the number of payments is“ 0 ”.

  Here, the relationship between the number of withdrawals and the fee paid by using the ATM will be described. On account of account number “12345678”, assuming that ATM usage fee is free up to 3 times of ATM usage per month and ATM usage fee is charged is 108 yen. explain. Of the 6 withdrawals in January 2014, 3 commissions are free and 3 commissions are charged. Therefore, the fee for one month in January 2014 is “324 yen” obtained by multiplying the payout number of times (in other words, the number of times the fee is paid) by 3 times the fee of 108 yen.

Next, the fee free remaining number table will be described with reference to FIG. FIG. 6 is a diagram illustrating an example of a fee free remaining number table according to the second embodiment.
The fee free remaining number of times table 510 is information regarding the number of times that the ATM usage fee for each account information becomes free. The fee free remaining number table 510 may be stored in the database 350 accessible by the host computer 300 or may be stored in the HDD 313 of the host computer 300.

  The fee free remaining number table 510 includes a store number, a subject, an account number, and a fee free remaining number. The store number, subject, and account number are the same as the store number, subject, and account number in the transaction history table 500.

  The remaining fee-free count is the remaining number of times that the ATM usage fee is free in the current month. If there is no fee up to 3 ATM usages per month, the initial ATM usage fee free usage count is “3”. The fee free remaining number is a value obtained by subtracting the number of times ATM is used from the initial value of the ATM usage fee free remaining number. The initial value of the fee free remaining number is updated every predetermined period (for example, every month). The initial value of the number of free fees remaining may be set to the same value (for example, 3 times per month) for all accounts, or set according to the points held by the account or account user. May be. Points are when the balance of the account at the end of the month is more than a certain amount, when a mortgage is set up in the account, when automatic fund savings is done in the account, or when the account is designated as salary transfer If it is, it is the value of the privilege given to the account or the account user according to, for example. For example, when the balance at the end of the account is 1 million yen, the initial value of the account fee free remaining number can be set to 10 times per month.

  Here, the account specified by the store number “123”, the subject “001”, and the account number “12345678” will be described in the case where the initial value of the fee free remaining number is three times a month. For the account with the account number “12345678”, the fee free remaining number is “twice”. This is because “one time” is subtracted from the initial value “three times” of the fee free remaining number due to the “one time” withdrawal transaction from the account with the account number “12345678”. Indicates that it has become “twice”. If the number of withdrawal transactions is equal to or greater than the initial value of the fee free remaining number, the fee free remaining number is “0”.

Next, the transaction selection screen of the customer operation unit according to the second embodiment will be described with reference to FIG. FIG. 7 is a diagram illustrating an example of a transaction selection screen of the customer operation unit according to the second embodiment.
The transaction selection screen 801 is a screen displayed on the customer operation unit 14 when the ATM 10 detects that the user has approached by the interpersonal sensor control 180. The transaction selection screen 801 is a screen displayed on the customer operation unit 14 and allowing the user to select a transaction to be executed. In addition to instructing the customer using the screen display, the user may be instructed by voice guidance using a receiver or the like.

  The transaction selection screen 801 includes buttons 802 to 807 corresponding to selectable transactions. In the example of the transaction selection screen 801, a deposit button 802, a balance inquiry button 803, and a password change button 804 are displayed. Also, in the example of the transaction selection screen 801, a button 805 for withdrawal, a button 806 for filling in a passbook, and a button 807 for handling a form are displayed, and the ATM 10 performs a transaction corresponding to the pressed button. Do. The ATM 10 detects that a button has been pressed via the touch panel processing unit 116, and starts processing corresponding to each button.

Next, the 1st withdrawal screen of the customer operation part of 2nd Embodiment is demonstrated using FIG. FIG. 8 is a diagram illustrating an example of a first withdrawal screen of the customer operation unit according to the second embodiment.
The first withdrawal screen 810 is a screen displayed on the customer operation unit 14 after the withdrawal button 805 is selected on the transaction selection screen 801 on the customer operation unit 14 and the withdrawal amount is input on the numeric keypad input unit 17. It is. The first withdrawal screen 810 is a screen for presenting a withdrawal amount and a transaction proposal to the user.

  The first withdrawal screen 810 includes a withdrawal amount display 820, a previous month transaction proposal display 821, and a previous month comparison transaction proposal display 822. The withdrawal amount display 820 is a display including the amount A 811 that is the withdrawal amount input in the numeric keypad input unit 17.

  The previous month transaction proposal display 821 is a display of a transaction proposal based on the withdrawal history of the previous month. The month-on-month transaction proposal display 821 includes an amount B812 that is the total amount of withdrawals in the previous month and an amount C813 that is the fee for the previous month. Further, the month-on-month transaction proposal display 821 includes an amount D814 that is an amount (a month-on-month proposal amount) proposed as the current withdrawal amount based on the total withdrawal amount of the previous month. Further, the month-on-month transaction proposal display 821 includes a display for suggesting to the user a reduction in the amount of money with which the fee is reduced or the number of times the fee is paid compared to the fee in the previous month. Based on the month-on-month transaction proposal display 821, the user can consider whether or not to change the withdrawal amount input this time to the amount D814. The user can also compare the amount of money withdrawn between the previous month and the current month.

  Format of the screen display sentence of the month-on-month transaction proposal display 821 “The total amount of withdrawal in the previous month was [Amount B] Yen and Fee [Amount C] Yen. "It's a great deal." Is an example of a display regarding a transaction proposal. Also, the ATM 10 can display in other screen display text formats. For example, as another example of a transaction proposal, ATM10 says, “The estimated number of commission payments for this month is [the number of commission payments for the previous month] times. If the withdrawal amount is changed to [Amount D] yen, it is assumed that the number of commission payments for this month will be zero. ” The displayed amount is based on information acquired from the host computer 300 by the ATM 10.

  The same month previous year transaction proposal display 822 is a display of a transaction proposal based on the withdrawal history of the same month of the previous year. Transaction proposal display 822 compared to the same month last year is proposed as the current withdrawal amount based on the amount E815 which is the total amount of withdrawals in the same month last year, the amount F816 which is the fee paid in the same month last year, and the total amount of withdrawals in the same month last year. And an amount G817 that is a suggested amount to be included. Moreover, the same month previous year transaction proposal display 822 compares the withdrawal history of the same month of the previous year with the withdrawal history of the current month so that the user does not incur a fee in the next withdrawal process (in other words, this withdrawal Includes an indication to propose the withdrawal amount (so that the transaction is the last withdrawal transaction this month). Based on the same month previous month transaction proposal display 822, the user can consider whether or not to change the withdrawal amount input this time to the amount G.

  Format of the screen display of the transaction proposal display 822 compared to the same month of the previous year "The total amount of withdrawals for the previous month was [amount E] yen and commission [amount F] yen. ] Is an example of a display relating to a transaction proposal. The ATM 10 may display in another screen display text format.

  First withdrawal screen 810 includes selectable buttons 818 and 819. In the example of the first withdrawal screen 810, a button 818 for changing the amount and a button 819 for confirmation are displayed, and the ATM 10 performs processing corresponding to the pressed button. When the button 818 for changing the amount is pressed, the ATM 10 accepts re-input of the withdrawal amount from the numeric keypad input unit 17. When the confirmation button 819 is pressed, the ATM 10 performs a withdrawal process using the initially entered withdrawal amount. If the user does not press either button after a predetermined time has elapsed, the ATM 10 can perform the same processing as when the confirmation button 819 is pressed.

  Thus, the first withdrawal screen 810 can prompt the user to change the withdrawal amount by including the withdrawal amount display 820 and the transaction proposal display. Further, the first withdrawal screen 810 can improve the convenience for the user by displaying the transaction proposal.

  The first withdrawal screen 810 includes a withdrawal amount display 820, a previous month transaction proposal display 821, and a previous month comparison transaction proposal display 822, but may include any one display. . Further, the format of the screen display text on the first withdrawal screen 810 may be held by the ATM 10 or received from the host computer 300.

  By displaying in this way, for example, the total amount of withdrawals this month is assumed to be the same as the previous month or the same month of the previous year, and the number of remaining ATM usage fees is free once (the ATM usage fee is free for the current month) For example, the convenience of the user is improved. In other words, by changing the withdrawal amount this time so that it is the same as the total withdrawal amount in the previous month or the same month last year, there is no need to withdraw from the next time the ATM fee is charged. Because it is profitable.

  Further, the first withdrawal screen 810 can improve the convenience for the user by displaying based on the comparison result with the total amount of withdrawals of the previous month and the same month of the previous year. For example, there are periods when expenses are higher than in other months such as New Year holidays (December and January) and admission seasons (March and April). In such a period, the first withdrawal screen 810 displays not only the result of comparison with the previous month but also the result of comparison with the same month of the previous year, so that the user can grasp the expense according to the seasonal fluctuation. This improves convenience.

Next, the 2nd withdrawal screen of the customer operation part of 2nd Embodiment is demonstrated using FIG. FIG. 9 is a diagram illustrating an example of a second withdrawal screen of the customer operation unit according to the second embodiment.
The second withdrawal screen 830 is a screen displayed on the customer operation unit 14 after the withdrawal button 805 is selected on the transaction selection screen 801 on the customer operation unit 14 and the withdrawal amount is input on the numeric keypad input unit 17. It is. The second withdrawal screen 830 includes a display that warns that the withdrawal amount of the current month has exceeded the withdrawal amount and the past withdrawal history. In the second withdrawal screen 830, the withdrawal amount for the current month has exceeded the total withdrawal amount for the previous month, and the withdrawal amount for the current month has not exceeded the total withdrawal amount for the same month of the previous year. It is an example of the display of a case.

  Second withdrawal screen 830 includes a withdrawal amount display 840, a month-over-month excess warning display 841, and a year-on-year transaction proposal display 842. The withdrawal amount display 840 is a display of the amount H831 which is the withdrawal amount input in the numeric keypad input unit 17.

  The month-on-month excess warning display 841 indicates that the total amount of withdrawals in the previous month and the amount of withdrawals in the current month are displayed when the amount J833, which is the total amount of withdrawals in the current month, is higher than the amount I832, which is the total amount of withdrawals in the previous month. A money amount K834 which is the difference between the total amounts is displayed, and a warning is displayed that the total amount of withdrawals in the current month is large.

  The same month previous year transaction proposal display 842 is a transaction proposal display based on the withdrawal history of the same month of the previous year. The same month previous year transaction proposal display 842 includes an amount L835 which is the total amount of withdrawals in the same month of the previous year and an amount M836 which is a fee paid in the same month of the previous year. Also, the same month previous year transaction proposal display 842 includes an amount N837 that is an amount to be proposed as the current withdrawal amount based on the total withdrawal amount in the same month last year (a proposed amount compared to the same month in the previous year).

  Format of the screen display sentence of the month-on-month excess warning display 841 “The amount of withdrawal for the previous month was [Amount I] Yen. The amount of withdrawal for this month is already [Amount J] Yen. "K] withdraws a lot of yen" is an example of a display when the withdrawal amount for the current month has been exceeded. The ATM 10 may display in another screen display text format.

  The same month previous year transaction proposal display 842 includes the number of times A838 which is the difference between the number of commission payments when the withdrawal amount of the current month is the amount N and the number of commission payments in the same month last year. In other words, the number of times A is the same as the same month in the previous year when it is assumed that changing the withdrawal amount this time to the amount N will reduce the number of times the fee is paid in the current month compared to the number of fees in the same month last year. The difference between the number of payments and the number of payments for the current month (the number of payments reduced compared to the previous year)

  Also, the same month previous year transaction proposal display 842 compares the withdrawal history of the same month of the previous year with the withdrawal history of the current month for the user, and proposes a withdrawal amount so that no fee is generated in the next withdrawal process. including. Based on the same month previous month transaction proposal display 842, the user can consider whether or not to change the withdrawal amount inputted this time to the amount N.

  Format of the screen display text of the transaction proposal display 842 compared to the same month of the previous year "The amount of money withdrawn in the same month of the previous year was [Amount L] yen and fee [Amount M] yen. ] Is an example of a display relating to a transaction proposal. The ATM 10 may display in another screen display text format.

  Second withdrawal screen 830 includes selectable buttons 843 and 844. In the example of the second withdrawal screen 830, buttons 843 for changing the amount and buttons 844 for confirmation are displayed, and the ATM 10 performs processing corresponding to the pressed button. When the button 843 for changing the amount is pressed, the ATM 10 accepts re-input of the withdrawal amount from the numeric keypad input unit 17. Note that when the confirmation button 844 is pressed, the ATM 10 performs the withdrawal process using the initially entered withdrawal amount. If the user does not press either button after a predetermined time has elapsed, ATM 10 can perform the same processing as when the confirmation button 844 is pressed.

  Thus, the second withdrawal screen 830 can prompt the user to change the withdrawal amount by including a withdrawal amount display 840 and a warning or transaction proposal display. Further, the second withdrawal screen 830 can improve the convenience for the user by displaying a warning or a transaction proposal.

  Note that the second withdrawal screen 830 includes a withdrawal amount display 840, a month-over-month excess warning display 841, and a year-on-year comparison proposal proposal 842, but may include any one display. . Further, the format of the screen display sentence of the second withdrawal screen 830 may be held by the ATM 10 or received from the host computer 300.

  Next, the sequence of the ATM and host computer of the second embodiment will be described with reference to FIG. FIG. 10 is a diagram illustrating a sequence of the ATM and the host computer according to the second embodiment.

A transaction processing sequence executed by the ATM 10 and the host computer 300 will be described.
[Step S101] When the ATM 10 detects that the user has approached via the interpersonal sensor control 180, the ATM 10 displays a transaction selection screen 801, allows the user to select a transaction, and accepts and confirms a medium such as a cash card. To do. The case where the ATM 10 selects the button 805 for withdrawal from the user in the customer operation unit 14 will be described.
[Step S102] The ATM 10 receives an input of a personal identification number from the user in the numeric keypad input unit 17.
[Step S103] The ATM 10 transmits to the host computer 300 the account information read from the card and the password received at the numeric keypad input unit 17.
[Step S104] The host computer 300 receives account information and a password from the ATM 10.
[Step S105] The host computer 300 authenticates the received account information and personal identification number. The host computer 300 compares the account information and password registered in advance with the received account information and password, and proceeds to step S106 if the authentication is successful. If the password authentication is unsuccessful, the host computer 300 transmits a message to that effect to the ATM 10 and returns to step S104. However, the description of the case where the password authentication is unsuccessful will be omitted. Here, the description will be made on the assumption that the host computer 300 has succeeded in authentication.
[Step S106] The host computer 300 executes a transaction proposal information generation process. The transaction proposal information generation process is a process for generating information as a basis for a transaction proposal for a user based on the transaction history table 500. The transaction proposal information generation process will be described later with reference to FIG.
[Step S107] The host computer 300 transmits the transaction proposal information to the ATM 10.
[Step S108] The ATM 10 receives transaction proposal information from the host computer 300.
[Step S109] The ATM 10 receives an input of the withdrawal amount from the user at the numeric keypad input unit 17.
[Step S110] The ATM 10 executes a transaction proposal information display process. The transaction proposal information display process is a process in which the ATM 10 displays a transaction proposal or the like to the user based on the transaction proposal information. The transaction proposal information display process will be described later with reference to FIG.
[Step S111] The ATM 10 confirms the withdrawal amount. Specifically, the ATM 10 receives from the user the input of the buttons 818 and 843 for changing the amount displayed on the customer operation unit 14 or the buttons 819 and 844 for confirmation. When the buttons 818 and 843 for changing the amount are pressed, the ATM 10 accepts re-input of the withdrawal amount from the numeric keypad input unit 17 and confirms the withdrawal amount. When the confirmation buttons 819 and 844 are pressed, the ATM 10 confirms the initially entered withdrawal amount. If the user does not press either button after a predetermined time has elapsed, the ATM 10 performs the same processing as when the confirmation buttons 819 and 844 are pressed.
[Step S112] The ATM 10 transmits the withdrawal amount confirmed in Step S111 to the host computer 300.
[Step S113] The host computer 300 receives the withdrawal amount from the ATM 10.
[Step S114] The host computer 300 transmits information indicating whether or not the transaction is possible (withdrawal is possible, withdrawal is not possible) to the ATM 10. Specifically, when the withdrawal amount is smaller than the account balance held in the database 350, the host computer 300 sends a notice that the withdrawal is possible to the ATM 10, and from the account balance held in the database 350, Process to reduce the withdrawal amount. Further, when the withdrawal amount is larger than the account balance, the host computer 300 transmits to the ATM 10 that the withdrawal is impossible.
[Step S115] The ATM 10 receives information indicating whether or not the transaction is possible from the host computer 300.
[Step S116] The ATM 10 discharges the medium based on the information indicating whether the transaction is possible. The medium indicates all items inserted or discharged in the ATM 10, and includes a cash card, a credit card, cash, a receipt, and the like. For example, if the received information indicating whether or not the transaction is possible is “withdrawal”, the cash of the withdrawal amount, the receipt, and the card are discharged, and the process is terminated. If the received information indicating whether or not the transaction is possible is “withdrawal impossible”, it is displayed that the withdrawal is impossible due to insufficient balance, and the card is ejected and the process is terminated.

Next, the transaction proposal information generation process of the second embodiment will be described with reference to FIG. FIG. 11 is a diagram illustrating a flowchart of transaction proposal information generation processing according to the second embodiment.
The transaction proposal information generation process is a process for generating information for proposing a transaction based on the transaction history table 500. The transaction proposal information generation process is a process executed by the control unit 310 (processor 311) of the host computer 300 in step S106 of the sequence between the ATM and the host computer.

[Step S11] The control unit 310 acquires the withdrawal history (the past withdrawal history and the current month withdrawal history) of the account corresponding to the account information from the transaction history table 500.
[Step S12] The control unit 310 compares the total withdrawal amount for the previous month with the total withdrawal amount for the current month. Control unit 310 proceeds to step S13 when the total withdrawal amount for the previous month is less than the total withdrawal amount for the current month, and proceeds to step S14 when the total withdrawal amount for the previous month is equal to or greater than the total withdrawal amount for the current month. Proceed.

  [Step S13] The control unit 310 executes a current month excess amount determination process. This month excess amount determination process determines the total withdrawal amount for the current month that exceeds the total withdrawal amount for the previous month when the total withdrawal amount for the current month is higher than the total withdrawal amount for the previous month. It is processing to do. The monthly excess amount determination process will be described later with reference to FIG.

  [Step S14] The control unit 310 acquires the fee free remaining number corresponding to the account information received in step S104 from the fee free remaining number table 510, and determines whether or not the fee free remaining number is “1”. . The control unit 310 proceeds to step S15 when the fee free remaining number is “once”, and proceeds to step S16 when it is not “once”.

  Note that the determination condition in step S14 is merely an example, and it may be determined whether or not to execute the previous month proposed amount determination process using another determination condition. For example, as another determination condition, the control unit 310 may compare the number of payments for the previous month with the number of payments for the current month, and execute the previous month proposed amount determination process when the number of payments for the current month is small. Further, as another determination condition, the control unit 310 compares the previous month's fee with the current month's fee, and if the current month's fee is small (for example, if the ATM usage fee is one time (108 yen) less) Proposed amount determination processing may be executed, or other determination conditions may be used.

  [Step S15] The control unit 310 executes a previous month proposed amount determination process. The month-to-month proposal amount determination process is a process of determining a proposal amount that is an amount to be proposed as a withdrawal amount based on a result of comparing the total amount of withdrawals in the previous month and the total amount of withdrawals in the current month. The previous month proposed amount determination process will be described later with reference to FIG.

  [Step S16] The controller 310 determines whether or not the withdrawal history acquired in step S11 has a withdrawal history of the same month in the previous year. Control unit 310 proceeds to step S17 when there is a withdrawal history of the same month of the previous year, and proceeds to step S21 when there is no withdrawal history.

  [Step S17] The control unit 310 compares the total withdrawal amount in the same month of the previous year with the total withdrawal amount in the current month. The control unit 310 proceeds to step S18 when the total withdrawal amount in the same month in the previous year is smaller than the total withdrawal amount in the current month, and proceeds to step S18 when the total withdrawal amount in the same month in the previous year is equal to or greater than the total withdrawal amount in the current month. Proceed to S19.

  [Step S18] The control unit 310 performs a year-on-year excess amount determination process. The year-on-year excess amount determination process is the sum of withdrawals in the current month that exceeds the total withdrawal amount in the same month last year when the total withdrawal amount in the current month is higher than the total withdrawal amount in the same month in the previous year. This is a process for determining the amount. The year-on-year excess amount determination processing will be described later with reference to FIG.

  [Step S19] The control unit 310 obtains the fee free remaining number corresponding to the account information received in step S104 from the fee free remaining number table 510, and determines whether or not the fee free remaining number is “1”. . The control unit proceeds to step S20 when the fee free remaining number is “once”, and proceeds to step S21 when it is not “once”.

  Note that the determination condition in step S19 is merely an example, and it may be determined whether or not to execute the proposed amount determination process compared to the same month last year using another determination condition. For example, as another determination condition, the control unit 310 may compare the number of payments in the same month in the previous year with the number of payments in the current month, and may execute a proposed amount determination process compared to the same month in the previous year when the number of payments in the current month is small. In addition, as another determination condition, the control unit 310 compares the same month's fee with the same month's fee, and if the current month's fee is small (for example, if the ATM usage fee is one (108 yen) less) The same month ratio suggested amount determination process may be executed, or other determination conditions may be used.

  [Step S20] The control unit 310 executes a proposed amount determination process compared to the same month in the previous year. The year-on-year proposed amount determination process is a process of determining a proposed amount that is an amount to be proposed as a withdrawal amount based on a result of comparing the total amount of withdrawals in the same month of the previous year and the total amount of withdrawals in the current month. The proposal amount determination process for the same month of the previous year will be described later with reference to FIG.

  [Step S21] The control unit 310 generates transaction proposal information. The transaction proposal information is information used when the ATM 10 displays it on the screen, and includes information acquired in steps S11 and S14, amounts determined in steps S13, S15, S18, and S20, acquired values, and the like. For example, the transaction proposal information may include the withdrawal history acquired in step S11 and the previous month proposed amount determined in step S15. Further, the transaction proposal information may include the fee free remaining number acquired in step S14, the current month excess determined in step S13, and the previous year proposed amount determined in step S17. In addition, when there is no amount and value determined in steps S13, S15, S18, and S20, the control unit 310 uses the withdrawal history acquired in step S11 and the fee free remaining number acquired in step S14 as transaction proposal information. Can be included.

Next, this month excess amount determination processing of the second embodiment will be described with reference to FIG. FIG. 12 is a flowchart of the current month excess amount determination process according to the second embodiment.
This month excess amount determination process determines the total withdrawal amount for the current month that exceeds the total withdrawal amount for the previous month when the total withdrawal amount for the current month is higher than the total withdrawal amount for the previous month. It is processing to do. This month excess amount determination process is a process executed by the control unit 310 (processor 311) of the host computer 300 in step S13 of the transaction proposal information generation process.

[Step S <b> 31] The control unit 310 acquires the total withdrawal amount for the current month from the transaction history table 500.
[Step S <b> 32] The control unit 310 acquires the total withdrawal amount of the previous month from the transaction history table 500.

[Step S33] The control unit 310 determines the difference between the total amount of withdrawals in the current month and the total amount of withdrawals in the previous month as an excess amount in the current month.
Next, the month-to-month proposed amount determination processing of the second embodiment will be described with reference to FIG. FIG. 13 is a diagram illustrating a flowchart of the previous month proposed amount determination processing according to the second embodiment.

  The month-to-month proposal amount determination process is a process of determining a proposal amount that is an amount to be proposed as a withdrawal amount based on a result of comparing the total amount of withdrawals in the previous month and the total amount of withdrawals in the current month. The previous month proposal amount determination process is a process executed by the control unit 310 (processor 311) of the host computer 300 in step S15 of the transaction proposal information generation process.

[Step S <b> 41] The control unit 310 acquires the total withdrawal amount for the current month from the transaction history table 500.
[Step S <b> 42] The control unit 310 acquires the total withdrawal amount of the previous month from the transaction history table 500.

[Step S43] The control unit 310 determines a difference between the total amount of withdrawals in the previous month and the total amount of withdrawals in the current month as a proposal amount compared to the previous month.
Next, the year-on-year excess amount determination processing of the second embodiment will be described with reference to FIG. FIG. 14 is a diagram illustrating a flowchart of a year-on-year excess amount determination process according to the second embodiment.

  The year-on-year excess amount determination process is the sum of withdrawals in the current month that exceeds the total withdrawal amount in the same month last year when the total withdrawal amount in the current month is higher than the total withdrawal amount in the same month in the previous year. This is a process for determining the amount. The year-on-year excess amount determination process is a process executed by the control unit 310 (processor 311) of the host computer 300 in step S18 of the transaction proposal information generation process.

[Step S <b> 51] The control unit 310 acquires the total withdrawal amount for the current month from the transaction history table 500.
[Step S <b> 52] The control unit 310 acquires the total withdrawal amount of the same month in the previous year from the transaction history table 500.

[Step S53] The control unit 310 determines the difference between the total amount of withdrawals in the current month and the total amount of withdrawals in the same month of the previous year as an amount exceeding the previous year.
Next, the year-on-year proposed amount determination process of the second embodiment will be described with reference to FIG. FIG. 15 is a diagram illustrating a flowchart of a year-on-year proposed amount determination process according to the second embodiment.

  The year-on-year proposal amount determination process is a process for determining a reference value for the current withdrawal transaction based on the withdrawal history of the same month of the previous year. The year-on-year proposal amount determination process is a process executed by the control unit 310 (processor 311) of the host computer 300 in step S20 of the transaction proposal information generation process.

[Step S <b> 61] The control unit 310 acquires the total withdrawal amount for the current month from the transaction history table 500.
[Step S <b> 62] The control unit 310 acquires the total withdrawal amount of the same month in the previous year from the transaction history table 500.

[Step S <b> 63] The control unit 310 acquires a fee for the same month in the previous year from the transaction history table 500.
[Step S64] The control unit 310 determines the difference between the total amount of withdrawals in the previous month and the total amount of withdrawals in the current month as a proposed amount compared to the previous year.

[Step S65] The control unit 310 acquires the number of payments for the current month from the transaction history table 500.
[Step S66] The control unit 310 acquires the number of payments for the same month in the previous year from the transaction history table 500.

  [Step S67] The control unit 310 determines the number of payments to be reduced from the previous year. The decrease in the number of payments compared to the previous year is the number of times that the number of payments in the current month is less than the number of payments in the same month in the previous year. The decrease in the number of payments compared to the previous year is the difference between the number of payments in the same month last year and the number of payments in the current month.

  Here, the number of decrease payments from the previous year will be specifically described. For the account number “909987654” in the transaction history table 500, it is assumed that the ATM usage fee is free up to 3 ATM usages per month. For the account number “909987654”, the number of uses in the withdrawal history for the current month is “2 times”, so the ATM usage fee up to this time is free (this is the last opportunity for the ATM usage fee to be free) The ATM usage fee will be charged after the next time. For the account number “909987654”, the total withdrawal amount for the current month is “60000 yen”, and the total withdrawal amount for the same month last year is “75,000 yen”. Therefore, the year-on-year proposal is the difference “15000 yen” between the total withdrawal amount for the current month and the total withdrawal amount for the same month last year. By making the withdrawal amount “15000 yen” this time, the total withdrawal amount for the current month will be the same as the same month last year. In addition, the number of withdrawals for withdrawing the same amount as the same month of the previous year is “3 times”, which is “2 times” for the current month and “1 time” for the current withdrawal. Since the number of ATMs used for one month is free up to three times, the number of payments for the current month is “0”. In addition, the ATM usage fee is free up to 3 times out of 4 usages in the same month last year, so the number of payments in the same month last year is “1”. For this reason, the decrease in the number of payments compared with the previous year is a value “one time” obtained by subtracting the number of payments “0 times” in the current month from the number of payments “one time” in the same month in the previous year.

Next, the transaction proposal information display process of 2nd Embodiment is demonstrated using FIG. FIG. 16 is a diagram illustrating a flowchart of transaction proposal information display processing according to the second embodiment.
The transaction proposal information display process is a process in which the ATM 10 displays a transaction proposal or the like to the user based on the transaction proposal information. The transaction proposal information display process is a process executed by the control unit 110 (processor 111) of the ATM 10 in step S110 of the sequence between the ATM and the host computer. The ATM 10 displays the withdrawal amount received in step S109 and displays based on the information received from the host computer 300.

  [Step S71] The control unit 110 determines whether or not the transaction proposal information received from the host computer 300 has an excess amount for the current month. The control unit 110 proceeds to step S72 when the transaction proposal information includes an excess amount for the current month, and proceeds to step S73 when there is no excess amount for the current month.

  [Step S <b> 72] The control unit 110 displays a month-over-month warning on the customer operation unit 14 based on the current month excess amount and the previous month's withdrawal history. The month-over-month warning is a warning that the total withdrawal amount for the current month is larger than the total withdrawal amount for the previous month. An example of the month-over-month excess warning display is a month-over-month excess warning display 841.

  [Step S <b> 73] The control unit 110 determines whether or not the transaction proposal information received from the host computer 300 has a previous month comparison amount. The control unit 110 proceeds to step S74 when the transaction proposal information includes the previous month proposal amount, and proceeds to step S75 when there is no previous month proposal amount.

  [Step S74] The control unit 110 displays the previous month's transaction proposal on the customer operation unit 14 based on the previous month's proposed amount and the previous month's withdrawal history. The month-on-month transaction proposal is a proposal for the current transaction when the total amount of withdrawals in the previous month is compared with the total amount of withdrawals in the current month. For example, an example of the display of the previous month's transaction proposal is a previous month's transaction proposal display 821.

  Note that the control unit 110 does not need to display the previous month's transaction proposal when the previous month's proposed amount is “0 yen”. In addition, the control unit 110 compares the previous month proposal amount with the withdrawal amount accepted in step S109, and only when the withdrawal amount is smaller than the previous month proposal amount, the previous month comparison transaction proposal including the previous month proposal amount. May be displayed.

  Note that the control unit 110 may add up the total withdrawal amount for the current month received from the host computer 300 and the withdrawal amount received by the ATM 10 in step S109 to obtain the total withdrawal amount for the current month. The control unit 110 may obtain and display a previous month proposed amount based on the withdrawal amount including the withdrawal amount received at the ATM 10.

  [Step S75] The control unit 110 determines whether or not the transaction proposal information received from the host computer 300 has a year-on-year excess. The control unit 110 proceeds to step S76 when the transaction proposal information includes an excess amount compared to the previous year, and proceeds to step S77 when there is no excess amount for the current month.

  [Step S76] The control unit 110 displays a year-on-year excess warning based on the year-on-year excess and the total withdrawal amount in the same month in the previous year. The year-on-year excess warning is a warning that the total withdrawal amount for the current month is larger than the total withdrawal amount for the same month last year. For example, the total amount of withdrawals in the same month of the previous year was [Total amount of withdrawals in the same month of the previous year] yen. The total amount of withdrawals in this month was [Total amount of withdrawals in the current month] yen. “The difference between the total amount of withdrawals in the current month and the total amount of withdrawals in the same month in the previous year” has been withdrawn more yen compared to the same month last year. ”

  [Step S77] The control unit 110 determines whether the transaction proposal information received from the host computer 300 has a year-on-year proposal amount. The control unit 110 proceeds to step S78 when the transaction proposal information includes the previous year's proposed amount, and ends the process when there is no previous month's proposed amount.

  [Step S78] The control unit 110 displays a year-on-year transaction proposal based on the year-on-year proposal amount and the total withdrawal amount of the same month in the previous year. The same month previous year transaction proposal is a transaction proposal based on the withdrawal history of the same month last year. An example of the display of the previous month's same month transaction proposal is a previous year's same month comparison transaction proposal display 822,842. For example, when the transaction proposal information includes a year-on-year decrease payment count, the year-on-year decrease payment count is displayed as the number of times A838 in the year-on-year transaction proposal display 842.

  In addition, the control part 110 does not need to display a transaction proposal compared with the same month the previous year when the proposal amount compared with the previous year is "0 yen". Also, the control unit 110 compares the previous year's proposed amount with the withdrawal amount accepted in step S109, and only when the withdrawal amount is smaller than the previous year's proposed amount, proposes the previous month's transaction proposal including the previous year's proposed amount. May be displayed.

  Thus, the control unit 110 can improve convenience for the user by displaying the transaction proposal. In addition, when the total amount of withdrawals in the current month is larger than the total amount of withdrawals in the past, the control unit 110 displays the amount of withdrawals, alerts, etc., thereby improving the convenience for the user. Can be improved. In addition, the control unit 110 displays the result of comparing the withdrawal history of the current month and the withdrawal history of the comparison month (the previous month, the same month of the previous year, etc.) on the withdrawal amount confirmation screen, thereby allowing the user to withdraw money. You can encourage changes in the amount of money.

  Note that the processes executed by the host computer 300 and the ATM 10 described above are merely examples, and the display of transaction proposals and warnings may be realized by changing the sharing of the processes. For example, the system builder may want to construct a system with a small number of parts to be modified in the processing of the host computer 300. In such a case, the host computer 300 executes only step S11 of the transaction proposal information generation process and transmits the withdrawal history to the ATM 10. The ATM 10 receives the withdrawal history from the host computer 300, and executes steps S12 to S21 of the transaction proposal information generation process. In this way, processing can be executed by changing the sharing between the host computer 300 and the ATM 10.

  As another example, the ATM 10 receives only the total withdrawal amount for the current month and the comparative month from the host computer 300, and determines the size of the total withdrawal amount for the current month and the total withdrawal amount for the comparative month at the ATM 10. If the total withdrawal amount for the current month is small, the proposed amount can be displayed. Further, depending on the determination result, the ATM 10 can display a warning when the total amount of withdrawal for the current month is large.

  As another example, the ATM 10 receives the fee-free remaining number and the total withdrawal amount of the current month and the comparison month from the host computer 300, and the proposed amount when the fee-free remaining number is "one time" at the ATM 10. May be displayed.

In this way, the ATM 10 can improve convenience for the customer by displaying the transaction proposal on the screen.
The above processing functions can be realized by a computer. In that case, a program describing processing contents of functions that the automatic transaction apparatus 1, ATM 10, and host computer 300 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. Examples of the computer-readable recording medium include a magnetic storage device, an optical disk, a magneto-optical recording medium, and a semiconductor memory. The magnetic storage device includes a hard disk device (HDD), a flexible disk (FD), a magnetic tape, and the like. Optical discs include DVD, DVD-RAM, CD-ROM / RW, 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. 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. In addition, each time a program is transferred from a server computer connected via a network, the computer can sequentially execute processing according to the received program.

  In addition, at least a part of the processing functions described above can be realized by an electronic circuit such as a DSP, ASIC, or PLD.

DESCRIPTION OF SYMBOLS 1 Automatic transaction apparatus 2 Input reception part 3 Control part 4 Display part 10 ATM
14 Customer operation unit 15 Card / receipt unit 16 Banknote processing unit 17 Numeric keypad input unit 200 Network 300 Host computer 350 Database 400 Automatic transaction system

Claims (9)

An input accepting unit that reads account information and accepts input of withdrawal amount;
Obtaining history information representing a transaction history in an account corresponding to the account information;
In accordance with the total withdrawal amount in the history information, a control unit that displays a transaction proposal on the withdrawal amount on a display unit;
An automatic transaction apparatus comprising: The history information is
Including the total withdrawal amount for the current month in the account and the total withdrawal amount for the comparative month,
The controller is
Compare the total withdrawal amount of the current month and the total withdrawal amount of the comparison month, and display the transaction proposal on the display unit according to the comparison result,
The automatic transaction apparatus according to claim 1. The transaction proposal is
If the total withdrawal amount for the current month is less than the total withdrawal amount for the comparative month, including a suggested amount that is the amount proposed as the withdrawal amount,
If the total withdrawal amount for the current month is greater than the total withdrawal amount for the comparative month, including a warning that the total withdrawal amount for the current month is large.
The automatic transaction apparatus according to claim 2. The suggested amount is
The difference between the total withdrawal amount for the current month and the total withdrawal amount for the comparative month.
The automatic transaction apparatus according to claim 3. The history information is
Including the remaining number of times that the usage fee, which is a fee for using the automatic transaction device for the account, is free;
The controller is
When the remaining number of times that the usage fee is free is 1, the transaction proposal is displayed on the display unit.
The automatic transaction apparatus according to claim 3. The history information is
Including the number of usage fee payments for the current month and the number of usage fee payments for the comparative month,
The controller is
When the withdrawal amount is changed to the proposal amount, the number of payments of the usage fee for the current month is obtained, and the number of differences between the number of payments for the usage fee for the current month and the number of payments for the usage fee for the comparison month is displayed. To display
The automatic transaction apparatus according to claim 5. The comparative month is
Including the previous month of the month in which the input was accepted, or the same month of the previous year of the month in which the input was accepted,
The automatic transaction apparatus according to claim 2. An automatic transaction method in an automatic transaction apparatus comprising an input reception unit, a display unit, and a control unit,
The input receiving unit
Read account information, accept withdrawal amount input,
The controller is
Obtaining history information representing a transaction history in an account corresponding to the account information, and displaying a transaction proposal related to the withdrawal amount on the display unit according to the total withdrawal amount in the history information,
Automatic transaction method. An automatic transaction system including an automatic transaction apparatus and a host computer,
The host computer
A receiver for receiving account information from the automatic transaction apparatus;
A transmission unit for transmitting history information representing a transaction history in an account corresponding to the account information to the automatic transaction apparatus,
The automatic transaction apparatus is
An input receiving unit that reads the account information and receives an input of a withdrawal amount;
A controller that obtains the history information and displays a transaction proposal related to the withdrawal amount on a display unit according to the total amount of withdrawal in the history information;
Automated trading system.

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