JP2019207598A - Automatic transaction apparatus, transaction processing system, and transaction processing program - Google Patents

Abstract

To provide a technology for suppressing the transaction degeneration of an automatic transaction apparatus resulting from the clogging of money or the excess or deficiency of money.SOLUTION: An automatic transaction apparatus performs cash transactions with a customer, and uses electronic money to settle a fraction of coins generated when making deposit and withdrawal in cash transactions as a predetermined amount of money.SELECTED DRAWING: Figure 13

Description

  The present invention relates to an automatic transaction apparatus, a transaction processing system, and a transaction processing program.

  Conventionally, automatic transaction apparatuses such as ATM (Automatic Teller Machine) widely used in banks and the like are known. Such an automatic transaction apparatus can perform transactions using cash such as coins and banknotes by mounting a coin processing unit (coin unit) and a banknote processing unit (banknote unit). A technique has been proposed in which such an automatic transaction apparatus includes a coin processing unit (see, for example, Patent Document 1).

Japanese Patent Laid-Open No. 9-102080

  The coin processing unit and the banknote processing unit have a unit structure, and in the conventional automatic transaction apparatus, there are cases where coins are jammed inside the coin processing unit or the banknote processing unit due to a coin jam or a banknote jam. In that case, the transaction in an automatic transaction apparatus using cash such as coins and banknotes must be reduced or suspended. In addition, the number of coins that can be loaded into the automatic transaction apparatus is smaller than that of banknotes, and when the number of coins becomes excessive or insufficient, transactions using coins must be degenerated.

  An object of this invention is to provide the technique which suppresses the transaction degeneration of the automatic transaction apparatus resulting from the clogging of money and the excess and deficiency of money in view of the above-mentioned subject.

  In order to achieve the above-mentioned object, the present invention is an automatic transaction apparatus for performing a cash transaction with a customer, and is settled with electronic money in which a predetermined amount generated when depositing / withdrawing the cash transaction is replaced with electronic information. It is characterized by that.

  Further, the present invention is a transaction processing system including an automatic transaction apparatus that performs cash transactions with a customer and a host server connected to the automatic transaction apparatus via a network, wherein the automatic transaction apparatus includes the cash transaction If a fraction of coins is generated at the time of withdrawal, an amount to be charged with the electronic money is transmitted to the host server corresponding to the fraction of the coins generated, and the host server charges with the electronic money It is characterized by managing the amount.

  Further, the present invention is a transaction processing system including an automatic transaction apparatus that performs cash transactions with a customer and a host server connected to the automatic transaction apparatus via a network, wherein the automatic transaction apparatus includes the cash transaction When a fraction of coins is generated at the time of withdrawal, the host server transmits to the host server so as to allocate an insufficient amount from electronic money when the fraction of the generated coins is paid with bills, It manages the value information of money paid from electronic money.

  Further, the present invention is a transaction processing system including an automatic transaction apparatus that performs cash transactions with a customer and a host server connected to the automatic transaction apparatus via a network, wherein the automatic transaction apparatus includes the cash transaction If a fraction of the coin is requested at the time of deposit, the host server is sent to the host server to make payment for the requested fraction of the coin with the electronic money, and the host server is paid by the electronic money It is characterized by managing.

  Further, the present invention is a transaction processing program for causing an automatic transaction apparatus that performs a cash transaction with a customer to execute the transaction, and when the fraction of the coin is generated at the time of withdrawal of the cash transaction, The method includes a process of charging the electronic money with a fractional amount.

  Further, the present invention is a transaction processing program for causing an automatic transaction apparatus that performs a cash transaction with a customer to execute the transaction, and when the fraction of the coin is generated at the time of withdrawal of the cash transaction, It is provided with the process which adds the amount charged to the said electronic money to the amount of fractions, and pays with a banknote.

  Further, the present invention is a transaction processing program for causing an automatic transaction apparatus that performs a cash transaction with a customer to execute the transaction, and when the fraction of the coin is requested when depositing the cash transaction, the requested coin It is characterized by comprising the processing of paying the fractional payment based on the amount charged to the electronic money.

  ADVANTAGE OF THE INVENTION According to this invention, the transaction degeneration of the automatic transaction apparatus resulting from the clogging of money and the excess and deficiency of money can be suppressed.

It is a figure showing an example of information processing system 100 concerning an embodiment of the invention. It is the external view which looked at ATM1 concerning embodiment of this invention from the front. It is a block diagram which shows an example of the hardware constitutions of ATM1. 2 is a block diagram illustrating an example of a hardware configuration of a host server 2. FIG. It is a figure which shows an example of the ATM management table stored in the host server. It is a figure which shows an example of the cash transfer transaction information management table stored in the host server. It is a figure which shows an example of the connection destination electronic money management table stored in the host server. It is a figure which shows an example of the cash excess and deficiency management table in ATM stored in the host server. It is a figure which shows an example of the cash excess / deficiency management table in the host stored in the host server 2. FIG. 2 is a block diagram illustrating an example of a hardware configuration of an electronic money server 3. FIG. It is a figure which shows an example of the electronic money transaction history table stored in the electronic money server. It is a figure which shows an example of the display screen displayed on the display part 14 of ATM1. It is a sequence figure showing transaction processing (pattern 1) which information processing system 100 performs at the time of cash transfer transaction. It is a sequence figure showing transaction processing (pattern 1) which information processing system 100 performs at the time of cash transfer transaction. It is a sequence diagram which shows the transaction processing (pattern 2) which the information processing system 100 performs at the time of cash transfer transaction. It is a sequence diagram which shows the transaction processing (pattern 2) which the information processing system 100 performs at the time of cash transfer transaction. It is a sequence diagram which shows the transaction processing (pattern 3) which the information processing system 100 performs at the time of cash transfer transaction. It is a sequence diagram which shows the transaction processing (pattern 3) which the information processing system 100 performs at the time of cash transfer transaction. It is a figure which shows an example of the display screen of the pattern 1 displayed on the display part 14 of ATM1. It is a figure which shows an example of the display screen of the pattern 1 displayed on the display part 14 of ATM1. It is a figure which shows an example of the display screen of the pattern 1 displayed on the display part 14 of ATM1. It is a figure which shows an example of the display screen of the pattern 1 displayed on the display part 14 of ATM1. It is a figure which shows an example of the display screen of the pattern 1 displayed on the display part 14 of ATM1. It is a figure which shows an example of the display screen of the pattern 1 displayed on the display part 14 of ATM1. It is a figure which shows an example of the display screen of the pattern 1 displayed on the display part 14 of ATM1. It is a figure which shows an example of the display screen of the pattern 2 displayed on the display part 14 of ATM1. It is a figure which shows an example of the display screen of the pattern 3 displayed on the display part 14 of ATM1. It is a figure which shows an example of the display screen of the pattern 3 displayed on the display part 14 of ATM1. It is a figure which shows an example of the display screen of the pattern 3 displayed on the display part 14 of ATM1. It is a figure which shows an example of the display screen of the pattern 3 displayed on the display part 14 of ATM1.

  Hereinafter, embodiments of the present invention will be described in detail.

  FIG. 1 is a diagram showing an example of an information processing system 100 according to an embodiment of the present invention. As shown in FIG. 1, the information processing system 100 includes an ATM 1, a host server 2, and an electronic money server 3. These units are connected to each other via a network N via a private network or a closed network such as a VPN (Virtual Private Network). Further, the information processing system 100 may include other devices and servers not shown in FIG.

  The ATM 1 is a device that executes a transfer by combining an IC card having an IC (integrated circuit) chip having cash and electronic money functions, a smartphone, or the like. However, ATM1 can also perform various transactions such as deposit, withdrawal, transfer and balance inquiry using a card such as an existing bank book, cash card or credit card. This ATM1 is also called an automatic teller machine. ATM1 is an example of an automatic transaction apparatus. In the following description, an automatic transaction apparatus will be described using ATM.

  An IC card and a smartphone used in ATM 1 are, for example, transportation electronic money, a debit card, and the like. Moreover, the card used in ATM1 is a bank card which memorize | stores the information concerning a customer's bank account in a magnetic stripe, an IC chip, etc. as an example. The record data stored in the bank card includes a bank code, a store number, a subject, an account number, and the like.

  FIG. 2 is an external view of the ATM 1 according to the embodiment of the present invention as seen from the front. The ATM 1 is used to perform cash deposits, withdrawals or transfers by customer operations, and is installed not only at financial institutions but also at various places such as stations and shopping centers.

  On the right side of the upper part of the ATM 1, there is provided a card entry / exit 4 through which a card is inserted at the time of transaction using a card and a card and a receipt are discharged after the transaction ends. On the left side of the card entry / exit 4 is provided a passbook entry / exit 5 through which a passbook is inserted at the time of transaction using a passbook and the passbook is discharged after the transaction ends. The card entry / exit 4 and the passbook entry / exit 5 are collectively referred to as a medium entry / exit. The card includes a magnetic card and an IC card. Cards, receipts, bankbooks, and cash are also collectively referred to as a medium.

  A bill entry / exit 6 which is a bill insertion / removal port is provided below the card entry / exit 4 of the ATM 1. Also, a coin entry / exit 7 which is a coin insertion / removal opening is provided below the ATM 1 passbook entry / exit 5. The banknote inlet / outlet 6 and the coin inlet / outlet 7 are each provided with a shutter (not shown), and the shutter is opened at the timing of depositing and dispensing.

  In the center of the ATM 1, a slope portion protruding to the front side at a gentle angle is formed, and a display portion 14 and an input portion 16 including a touch panel integrated with the display portion 14 are provided on the slope portion. On the display unit 14, an operation screen, a menu screen, an operation instruction guide screen, or the like is displayed as appropriate. A wireless communication unit 18 is provided on the side of the display unit 14. The wireless communication unit 18 is a communication interface that performs near field communication such as NFC (Near Field Communication) or Felica (registered trademark) mounted on an IC card or a smartphone.

  FIG. 3 is a block diagram showing an example of the hardware configuration of ATM1. ATM 1 includes an ATM control unit 10, a storage unit 12, a display unit 14, an input unit 16, a wireless communication unit 18, a passbook processing unit 20, a card processing unit 22, a banknote processing unit 24, a coin processing unit 26, a receipt issuing unit 27 and A communication unit 28 is included. Moreover, ATM1 may be provided with the other circuit structure which is not shown in FIG.

  The ATM control unit 10 comprehensively controls the entire ATM 1 and has a CPU (Central Processing Unit) (not shown) that reads a program and executes control processing. The storage unit 12 includes a random access memory (RAM), a read only memory (ROM), a hard disk drive (HDD), and the like. The storage unit 12 stores a program executed by the ATM control unit 10, display screen data, and other various data. The storage unit 12 provides a work area when the ATM control unit 10 executes a program.

  The display unit 14 is, for example, an LCD (Liquid Crystal Display), and displays an operation screen, a display screen, a menu screen, a guide screen for operation instructions, or the like to the customer according to an instruction from the ATM control unit 10. The input unit 16 is a touch panel integrated with the display unit 14 as described above, and a customer inputs a transaction type selection, a transfer destination, a transfer source, a transfer amount, a password, a deposit / withdrawal amount, and the like. The input information is notified to the ATM control unit 10.

  The wireless communication unit 18 is a communication interface that performs near field communication such as NFC or Felica under the control of the ATM control unit 10. The wireless communication unit 18 is provided, for example, near the display unit 14 of the ATM1 casing. When the customer brings an IC card having an IC chip having an electronic money function such as NFC or Felica or a portable medium such as a smartphone (hereinafter referred to as “electronic money medium”) closer, the wireless communication unit 18 Short-range wireless communication is performed with the medium.

  The bankbook processing unit 20 is a bankbook transport path that transports the bankbook inserted in the bankbook entry / exit 5 to the inside, a printing unit that prints transaction contents on the bankbook, and an MS that reads and writes data on magnetic stripes attached to the bankbook. A recording / reproducing unit; The bankbook processing unit 20 has a bankbook sensor for detecting a bankbook at the bankbook entry / exit 5, and the bankbook processing unit 20 detects the insertion of the bankbook and the removal of the bankbook that has been discharged by the bankbook sensor, and the ATM control unit 10. Notify

  The card processing unit 22 transfers a card inserted into the card entry / exit 4 to the inside or conversely discharges the card to the card entry / exit 4, and applies data to the magnetic stripe data affixed to the magnetic card. It has an MS recording / reproducing unit for reading and writing, and a memory recording / reproducing unit for reading and writing to the memory of the IC card. The card processing unit 22 has a card sensor for detecting a card at the card entrance / exit 4, and the card processing unit 22 detects insertion of a card and removal of a discharged card by the card sensor and notifies the ATM control unit 10. .

  The banknote processing unit 24 includes a temporary storage unit that temporarily stores banknotes, a banknote discrimination unit that discriminates the authenticity of banknotes, a banknote stacker that stores banknotes by type, and a banknote entry / exit port 6 after the shutter is released. It includes a banknote forgetting box for storing forgotten banknotes, a banknote entry / exit port 6, a temporary holding section, a banknote discriminating section, a banknote stacker, and a conveyance path for transporting banknotes between the banknote forgetting box. The banknote processing unit 24 has a banknote amount sensor that detects the amount of banknotes in the banknote stacker, and the banknote processing unit 24 detects the amount of banknotes in the banknote stacker by the banknote amount sensor and notifies the ATM control unit 10. To do.

  The coin processing unit 26 includes a coin discriminating unit that discriminates the authenticity of coins, a coin stacker that stores coins by type, a coin forgetting box that stores coins that are forgotten after the shutter of the coin inlet / outlet 7 is released, It has a conveyance path etc. which conveys a coin between the coin entrance / exit 7 and a coin discrimination part, a coin stacker, and a coin forgetting box. The coin processing unit 26 has a coin amount sensor that detects the amount of coins in the coin stacker, and the coin processing unit 26 detects the amount of coins in the coin stacker by the coin amount sensor and notifies the ATM control unit 10 of the detected amount. To do.

  At the time of the withdrawal process, the banknote processing unit 24 and the coin processing unit 26 count the necessary banknotes and coins according to instructions from the ATM control unit 10 and take them out from the banknote stacker or coin stacker. 7 and the shutters of the bill inlet / outlet 6 and the coin inlet / outlet 7 are opened after the transfer. The banknote forgetting box and the coin forgetting box are collectively referred to as a medium storage.

  The receipt issuing unit 27 includes a receipt printing mechanism and a receipt transport mechanism, and has a function of releasing a receipt medium on which the contents of a transaction performed by a customer are printed from a receipt discharge port and issuing the receipt medium to the customer. The communication unit 28 exchanges data (telegram) between the ATM 1 and the host server 2 through the network N.

  When a payment operation (withdrawal) is performed from the customer to the ATM 1, the ATM 1 transmits an instruction from the customer to the host server 2 as a payment transaction message or the like. The host server 2 refers to the ledger in which the deposit balance of the customer's account is recorded, determines whether payment is possible, and sends a payment permission message to the ATM 1 if payment is permitted. At the same time, the host server 2 updates the ledger so as to reduce the payment amount from the customer's account. When the ATM 1 receives a payment permission message from the host server 2, the ATM 1 withdraws a predetermined amount. On the other hand, the host server 2 transmits a payment impossible message to the ATM 1 when payment is not permitted.

  The host server 2 is a server device that executes processes related to various transactions of the bank. For example, when the host server 2 receives a processing request relating to the transaction from the ATM 1, the host server 2 performs processing corresponding to the transaction, for example, deposit, withdrawal, transfer, Perform transfers and balance inquiries.

  FIG. 4 is a block diagram illustrating an example of a hardware configuration of the host server 2. As illustrated in FIG. 4, the host server 2 includes a host server control unit 30, a storage unit 32, a display unit 34, an input unit 36, and a communication unit 38. The host server 2 may include other circuit elements not shown in FIG.

  The host server control unit 30 is a CPU or the like, and controls the overall operation of the host server 2 by developing the program stored in the ROM or HDD of the storage unit 32 in the RAM of the storage unit 32 and sequentially executing the program. . The storage unit 32 is a RAM, ROM, HDD, or the like, and stores programs executed by the host server control unit 30, various setting information, and the like. The storage unit 32 stores various tables such as an ATM management table, a cash transfer transaction information management table, a connection destination electronic money management table, an ATM cash excess / deficiency management table, and a host cash excess / deficiency management table which will be described later. In addition, the storage unit 32 stores, for each account number, information on whether the amount of electronic money deposited is the amount specified by the customer or the fractional amount.

  The display unit 34 is a display such as an LCD, for example, and displays various information on the screen under the control of the host server control unit 30. The input unit 36 is an input interface such as a keyboard and a mouse, for example, and receives an operation input from an operator of the host server 2. The communication unit 38 performs communication via the closed network of the information processing system 100 under the control of the host server control unit 30. The host server 2 performs data transmission / reception between the ATM 1 of the information processing system 100 and the electronic money server 3 by performing communication using the communication unit 38.

  5 to 9 are diagrams illustrating examples of various tables stored in the storage unit 32 of the host server 2.

  FIG. 5 is a diagram showing an example of an ATM management table stored in the host server 2. In the ATM management table, a transaction No. that can uniquely identify each transaction in the host server 2 is stored. For each transaction, transaction name information, transaction amount information, and ATM ID information are stored. The transaction name is the content of the transaction executed by the ATM user. The information on the transaction amount is an amount including a fee paid by the ATM user for withdrawal, payment, etc. in one transaction. The ATM ID is an identifier for uniquely identifying the ATM 1 with which the ATM user has made a transaction. The ATM management table may include other items not shown in FIG.

  FIG. 6 is a diagram illustrating an example of a cash transfer transaction information management table stored in the host server 2. In the cash transfer transaction information management table, transaction No. Stored for each transaction name information, electronic money medium ID information, electronic money usage amount information, recipient financial institution information, client telephone number information, and ATM transaction information. Transaction No. This information and transaction name information are the same as in FIG. The information of the electronic money medium ID is an identification code set in advance to uniquely identify an electronic money medium such as an IC card or a smartphone used by the customer.

  The information on the amount of money used for electronic money is electronic money deposit / withdrawal history information in the electronic money medium corresponding to each electronic money medium ID. For example, the amount paid from the electronic money is displayed as a minus, and the amount paid to the electronic money is displayed as a plus. The information on the payee financial institution is information on the transfer destination financial institution. The information on the client telephone number is information on the client telephone number. The ATM transaction information is memo information indicating the contents of the transaction executed at the ATM at which the transaction was made. The cash transfer transaction information management table may include other items not shown in FIG.

  FIG. 7 is a diagram illustrating an example of a connection destination electronic money management table stored in the host server 2. The connection destination electronic money management table stores information on electronic money medium IDs, information on electronic money user names, and information on electronic money user telephone numbers. The electronic money medium ID is the same information as in FIG.

  The electronic money user name information is information on the user name of the electronic money medium having each electronic money medium ID. The information on the electronic money user telephone number is information on the telephone number of the user of the electronic money medium. Further, the connection destination electronic money management table may include other items not shown in FIG.

  FIG. 8 is a diagram illustrating an example of an ATM cash excess / deficiency management table stored in the host server 2. The cash excess / deficiency management table in ATM stores cash excess / deficiency information for the ATM for each ATM ID information. The ATM ID information is the same as in FIG. Moreover, the cash excess / deficiency management table in ATM may be provided with the other item which is not shown in FIG.

  FIG. 9 is a diagram illustrating an example of an in-host cash excess / deficiency management table stored in the host server 2. The cash excess / deficiency management table in the host stores cash excess / deficiency information for the electronic money server for each piece of information of the connected electronic money server. The information of the connection destination electronic money server is the same as that in FIG. The in-host cash excess / deficiency management table may include other items not shown in FIG. 9.

  The electronic money server 3 is a server device that manages electronic money. The electronic money server records the monetary value as digital data, and electronically exchanges the monetary value with the ATM 1, the host server 2, and the like.

  FIG. 10 is a block diagram illustrating an example of a hardware configuration of the electronic money server 3. As illustrated in FIG. 10, the electronic money server 3 includes an electronic money server control unit 40, a storage unit 42, a display unit 44, an input unit 46, and a communication unit 48. Further, the electronic money server 3 may include other circuit elements not shown in FIG.

  The electronic money server control unit 40 is a CPU or the like, and develops the program stored in the ROM or HDD of the storage unit 42 in the RAM of the storage unit 42 and sequentially executes it, thereby performing the operation of the entire electronic money server 3. Control. The storage unit 42 is a RAM, ROM, HDD, or the like, and stores programs executed by the electronic money server control unit 40, various setting information, and the like. In addition, the storage unit 42 stores an electronic money transaction history table that manages the history of electronic money. The electronic money transaction history table will be described later.

  The display unit 44 is a display such as an LCD, for example, and displays various types of information on the screen under the control of the electronic money server control unit 40. The input unit 46 is an input interface such as a keyboard and a mouse, for example, and receives an operation input from an operator of the electronic money server 3. The communication unit 48 performs communication via the closed network of the information processing system 100 under the control of the electronic money server control unit 40. The electronic money server 3 transmits and receives data to and from the ATM 1 and the host server 2 of the information processing system 100 by performing communication using the communication unit 48.

  The information managed by the electronic money server 3 includes a balance amount corresponding to each electronic money medium ID.

  FIG. 11 is a diagram illustrating an example of an electronic money transaction history table stored in each server (X, Y, Z) of the electronic money server 3. In the electronic money transaction history table of FIG. 11, electronic money medium ID, electronic money user name, and balance amount information are stored for each of the electronic money servers 3. Specifically, FIG. 11 (1) shows information on the electronic money medium ID, the electronic money user name, and the balance amount stored in the storage unit 42 of the server X in the electronic money server 3. FIG. 11B shows information on the electronic money medium ID, the electronic money user name, and the balance amount stored in the storage unit 42 of the server Y in the electronic money server 3. FIG. 11 (3) shows information on the electronic money medium ID, the electronic money user name, and the balance amount stored in the storage unit 42 of the server Z in the electronic money server 3.

  The electronic money medium ID is an identification code set in advance to uniquely identify the electronic money medium. The electronic money user name information is information on the user name of the electronic money medium having each electronic money medium ID. The balance amount information is information on the balance of electronic money of the electronic money medium having each electronic money medium ID. Further, the electronic money transaction history table may include other items not shown in FIG.

  Next, an outline of the flow of transaction processing according to the embodiment of the present invention will be described.

  The transaction processing of this embodiment is started when the transaction of ATM1 is started. When the transaction process is started, the ATM control unit 10 displays the transaction selection screen of FIG. 12 on the display screen of the display unit 14 as an initial screen. FIG. 12 is a diagram illustrating an example of a display screen displayed on the display unit 14 of the ATM 1. The display screen shown in FIG. 12 is a transaction selection screen for instructing the customer to select a transaction content, and includes “deposit”, “drawer”, “transfer”, “booking”, “balance inquiry”, and “transfer” as the transaction content. Multiple transaction details are displayed. Further, the transaction selection screen may include other transaction contents not shown in FIG.

  A case where “transfer” is selected from the displayed transaction contents when the customer presses the input unit 16 including a touch panel will be described below with reference to FIGS. 13 to 18. Note that the processing of “deposit” and “withdrawal” is substantially the same as “transfer”, and thus the description thereof is omitted. Further, since transactions other than “transfer”, “deposit”, and “withdrawal” are the same as known ATM processing, description thereof is omitted.

  First, the ATM control unit 10 determines the status of coins in the ATM 1. Specifically, if the amount of coins detected by the coin amount sensor that detects the amount of coins in the coin stacker is less than a first threshold that is arbitrarily set, the ATM control unit 10 recognizes coins in the ATM. It is determined that the ATM has insufficient coins. In this case, the ATM control unit 10 performs transaction processing based on any setting of charging the change to electronic money (Pattern 1) and paying out banknotes with change + payment of electronic money (Pattern 2). The electronic money payment of pattern 2 means to pay by adding the value of money charged to the electronic money.

  The details of the transaction processing by setting the pattern 1 for charging the change to electronic money will be described later with reference to the sequence diagrams of FIGS. Similarly, the details of the transaction processing by setting pattern 2 for paying out banknotes with change + electronic money payment will be described later with reference to the sequence diagrams of FIGS. 15 and 16 described later.

  Moreover, if the amount of coins detected by the coin amount sensor is larger than the arbitrarily set second threshold, the ATM control unit 10 determines that the state of coins in the ATM is excessive in coins. . In this case, the ATM control unit 10 performs transaction processing based on the setting of making payment of coins with electronic money (pattern 3). Details of the pattern 3 processing for paying coins with electronic money will be described later with reference to the sequence diagrams of FIGS.

  Moreover, if the amount of coins detected by the coin amount sensor is equal to or greater than the first threshold value that is arbitrarily set and less than the second threshold value, the state of the coins in the ATM is excessive in the ATM. Or, it is determined that there is no shortage of coins. In this case, the ATM control unit 10 carries out a transaction for handling coins as usual, or makes it possible to select any of the pattern 1, pattern 2 or pattern 3 according to the transaction.

<Transaction processing of pattern 1>
Hereinafter, the flow of processing executed by the information processing system 100 when a customer makes a transaction with ATM1 in a pattern (pattern 1) in which a change is charged to electronic money at the time of a cash transfer transaction will be described with reference to FIGS. I will explain. FIGS. 13 and 14 are sequence diagrams illustrating transaction processing (pattern 1) executed by the information processing system 100 during a cash transfer transaction.

  First, when the ATM control unit 10 of the ATM 1 starts the cash transfer process (step S11), the ATM control unit 10 accepts input of transfer destination information, transfer source information, and the like through the input unit 16 (step S12). The information on the transfer source includes the name of the client, the telephone number of the client, and the like. The information on the bank transfer destination includes the bank name, branch name, subject, account number, recipient name, and the like of the bank transfer destination. Moreover, the ATM control part 10 receives the input of the transfer amount through the input part 16 (step S13). The ATM control unit 10 transmits the received bank name, branch name, subject, account number, recipient name, transfer amount information, etc. to the host server 2 as a transfer inquiry request message (step S14).

  The host server control unit 30 of the host server 2 checks the content of the transfer inquiry request message transmitted from the ATM 1 (step S15). In this process, the host server control unit 30 has the bank information, bank name, branch name, item, account number, recipient name, etc. of the bank account included in the bank inquiry request message in the storage unit 32 of the host server 2. It is determined whether or not it matches the information to be performed. The determination as to whether or not the transfer destination information matches the information existing in the storage unit 32 of the host server 2 is performed by a known process, and thus the description thereof is omitted. The host server control unit 30 includes information indicating that the transaction is permitted in the transaction availability result when the transmitted information on the transfer destination matches the information existing in the storage unit 32 of the host server 2. The host server control unit 30 includes information indicating that the transaction is not possible in the transaction availability result when the transmitted information on the transfer destination does not match the information existing in the storage unit 32 of the host server 2. The host server control unit 30 transmits to the ATM 1 an inquiry response message including the result of transaction details such as verification of the transfer destination and the fee information (step S16).

  Upon receiving the inquiry response message, the ATM control unit 10 of the ATM 1 displays a confirmation screen such as the transfer amount as shown in FIG. 19 on the display unit 14 as a display screen (step S17). FIG. 19 is a diagram illustrating an example of a display screen of pattern 1 displayed on the display unit 14 of ATM1. As illustrated in FIG. 19, the ATM control unit 10 displays a confirmation screen for the transfer destination, amount, and client information received in step S14 on the display unit 14 as a display screen.

  In the present embodiment, as shown in FIG. 19, the ATM control unit 10 receives the bank name “00 bank”, the branch name “ΔΔ branch”, the subject “ordinary”, the account number received in step S12. “12345678”, recipient name “□□□□”, transfer amount “49,000 yen” received from the customer in step S13, and commission “432 yen” included in the inquiry response message transmitted from the host server 2 in step S16. A confirmation screen including information on the total amount “49,432 yen” is displayed on the display unit 14.

  The ATM control part 10 counts the money thrown into the banknote inlet / outlet 6 and the coin inlet / outlet 7 by the customer who saw the confirmation screen of FIG. Then, the confirmation screen of FIG. 20 for confirming the counted amount is displayed as a display screen (step S18). FIG. 20 is a diagram illustrating an example of a display screen of pattern 1 displayed on the display unit 14 of ATM1. In the present embodiment, a case will be described in which a customer inserts 50,000 yen into the bill slot 6 in order to pay a total amount of 49,432 yen for the transaction. In this case, it is necessary to pay a change of "568 yen", which is the difference between the invested amount of 50,000 yen and the total transaction amount of 49,432 yen. Accordingly, as shown in FIG. 20, the ATM control unit 10 displays a confirmation screen including information on the deposit amount “50,000 yen”, the transfer amount “49,000 yen”, the fee “432 yen”, and the change “568 yen”. It displays on the display part 14 as a screen. Accordingly, the ATM control unit 10 displays a selection screen for selecting a change payout destination as shown in FIG. 21 on the display unit 14 as a display screen (step S19). FIG. 21 is a diagram illustrating an example of a display screen of pattern 1 displayed on the display unit 14 of ATM1. The selection screen shown in FIG. 21 is a selection screen for instructing the customer to select the payout destination of the change amount. The ATM control unit 10 displays a cash button 101a, an electronic money deposit button 101b, and a combined cash and electronic money deposit button 101c as change payout destinations on the selection screen of FIG. When any one of the displayed payout destination buttons is selected by pressing the input unit 16 including a touch panel by the customer, the ATM control unit 10 is selected. The selection of the payout destination is accepted (step S20). When the cash and electronic money deposit combination button 101c is selected as the change payout destination, the processing of the next step S21 or step S22 is performed. Electronic money depositing means charging an amount corresponding to change to electronic money.

  The ATM control unit 10 accepts in advance settings for whether the amount of electronic money deposited is the amount specified by the customer or the fraction generated by the transaction. The ATM control unit 10 stores the received setting in the storage unit 12. The electronic money deposit amount may be set based on information transmitted from the host server 2 before the transaction process is started, or may be set in advance by operating the input unit 16 by the customer. Good.

  When it is set that the amount of electronic money deposited is the amount specified by the customer, the ATM control unit 10 displays a reception screen for the amount of cash deposited and the amount of electronic money deposited as shown in FIG. A screen is displayed (step S21). FIG. 22 is a diagram illustrating an example of a display screen of pattern 1 displayed on the display unit 14 of ATM1. The reception screen shown in FIG. 22 is a reception screen for instructing designation of the cash payment amount and the electronic money deposit amount. As shown in FIG. 22, the ATM control unit 10 displays a column for inputting a cash payout amount and a column for inputting an electronic money deposit amount. When the customer presses the input unit 16 formed of a touch panel and inputs a numerical value from a numeric keypad (not shown), the ATM control unit 10 receives a cash payout amount and an electronic money deposit amount. In the present embodiment, as shown in FIG. 22, the ATM control unit 10 accepts “500 yen” as the cash payout amount of the change “568 yen” and “68 yen” as the deposit amount of electronic money. Accept.

  When it is set that the amount of electronic money deposit is set to be the fraction generated in the transaction, the ATM control unit 10 uses a confirmation screen for confirming the amount of electronic money deposit as shown in FIG. 23 as a display screen. It is displayed (step S22). FIG. 23 is a diagram showing an example of a display screen of pattern 1 displayed on the display unit 14 of ATM1. The display screen shown in FIG. 23 is a confirmation screen for confirming the amount of electronic money deposited for the fraction of coins in the change “568 yen”.

  In the present embodiment, the fraction of coins refers to an amount corresponding to half-sized coins less than the amount of bills such as 10,000 yen bills, 5000 yen bills or 1000 yen bills. For example, a 500 yen coin for a 1000 yen bill corresponds to a fraction of coins. Moreover, the fraction of a banknote means the half amount corresponding to the half-sized banknote which is less than expensive banknotes, such as a 10,000 yen bill or a 5000 yen bill, among money. For example, a 1000 yen bill with respect to a 10,000 yen bill corresponds to a fraction of the bill.

  As shown in FIG. 23, the ATM control unit 10 displays a message indicating that a fraction of coins is to be deposited with electronic money, and the amount of money for depositing electronic money. In the present embodiment, as shown in FIG. 23, the ATM control unit 10 displays “Deposit coins as electronic money” as a message indicating that the fractional portion is deposited as electronic money, and deposits electronic money. “568 yen” is displayed as the amount of the minutes.

  When the process of step S21 or step S22 ends, or when the electronic money deposit button 101b is selected as the change payout destination in step S20, the process of the next step S23 is performed. In step S20, when the cash button 101a is selected as the change payout destination, the ATM control unit 10 displays a display screen for confirming the change to be paid out in cash on the display unit 14, and the cash change is displayed. A process for releasing is performed. Since the process of releasing the change by cash is the same as the process of a known automatic transaction apparatus, the description is omitted.

  In step S23, the ATM control unit 10 performs an electronic money transaction process. In this process, the ATM control unit 10 displays a guidance screen for guiding the electronic money medium M as shown in FIG. 24 on the wireless communication unit 18 of the ATM 1 on the display unit 14 as a display screen. FIG. 24 is a diagram illustrating an example of a display screen displayed on the display unit 14 of the pattern 1 ATM 1. Further, as shown in FIG. 24, the ATM control unit 10 displays a message on the display unit 14 for guiding the electronic money medium M to be placed on the wireless communication unit 18 of the ATM 1. In the present embodiment, the ATM control unit 10 displays on the display unit 14 “Please place a card / smartphone used for electronic money payment on the electronic money reading unit” as a message. When the electronic money medium M is placed in the wireless communication unit 18, the ATM control unit 10 acquires an electronic money medium ID from the electronic money medium M via the wireless communication unit 18.

  When the electronic money medium ID is acquired in step S23, the process of the next step S24 is performed.

  In step S <b> 24, the ATM control unit 10 displays a confirmation screen such as a cash amount as shown in FIG. 25 on the display unit 14 as a display screen. FIG. 25 is a diagram illustrating an example of a display screen displayed on the display unit 14 of pattern 1 ATM 1. The acceptance screen shown in FIG. 25 is a confirmation screen for confirming the cash amount, the fee, the cash payment amount, and the electronic money payment amount. As shown in FIG. 25, the ATM control unit 10 performs an item for confirming the deposit amount, an item for confirming the transfer amount, an item for confirming the fee, an item for confirming the change to be paid in cash, and the change of electronic money deposit. A confirmation screen having items to be confirmed is displayed on the display unit 14.

  In the present embodiment, as shown in FIG. 25, the ATM control unit 10 checks the deposit amount as “50,000 yen”, checks the transfer amount as “49,000 yen”, and checks the fee. “432 yen”, “500 yen” as an item for confirming a change to be paid out in cash, and “68 yen” as an item for confirming a change deposited in electronic money are displayed on the display unit 14. The change that is deposited into the electronic money corresponds to the amount charged to the electronic money.

  The ATM control unit 10 includes information on a transaction name, information on a deposit amount, information on a transfer amount, information on a fee, information on a change paid out in cash, information on a change received in electronic money, and an ATM of the ATM 1 in which the transaction is performed. Information including ID information is transmitted to the host server 2 as a transfer transaction execution request message (step S25). The host server control unit 30 of the host server 2 checks the transfer transaction execution request message transmitted from the ATM 1 (step S26). In this process, the host server control unit 30 performs a transaction on the transaction name information in the transaction information table of FIG. 5, information on the transaction amount including a fee in the transaction amount item, and an ATM ID item. Store and update the ATM ID information of ATM1. The transaction amount information corresponds to the transfer amount information. When the transaction name information included in the transfer transaction execution request message is, for example, a cash transfer, the host server control unit 30 further indicates that the item of the transaction name in the cash transfer transaction table of FIG. 6 is a cash transfer. Information, information on the electronic money medium ID of the electronic money medium M received in step S23, information on the amount of money to be deposited / withdrawn with electronic money included in the transfer transaction execution request message, recipient financial institution Information, client telephone number information, and ATM transaction content information are stored and updated.

  The host server control unit 30 temporarily stores information on the electronic money medium ID to be traded, information on the electronic money user name, and information on the electronic money user telephone number in the storage unit 32. Then, the host server control unit 30 specifies a connection destination electronic money server based on the electronic money medium ID to be traded. For example, when the first four digits of the electronic money medium ID are “0000”, the host server control unit 30 identifies the electronic money server X as the connection destination electronic money server, and the first four digits of the electronic money medium ID. Is “1111”, the electronic money server Y is specified as the connection destination electronic money server, and when the first four digits of the electronic money medium ID is “2222”, the electronic money server Z is specified as the connection destination electronic money server. Identify as a server. In the present embodiment, three types of electronic money server X, electronic money server Y, and electronic money server Z are set as connection destination electronic money servers, but the present invention is not limited to this. For example, the number of electronic money servers may be one, or any number of two or more.

  The host server control unit 30 distributes and transmits information on the electronic money medium ID to be traded, information on the electronic money user name, and information on the electronic money user telephone number to the specified electronic money server. For example, when the electronic money medium ID to be traded is “0000-1111-2222-3333”, the host server control unit 30 determines the electronic money server based on the first four digits “0000” of the electronic money medium ID. X is specified as a connection destination electronic money server. Then, the host server control unit 30 transmits information including information on the electronic money medium ID to be traded, information on the electronic money user name, and information on the electronic money user telephone number to the specified electronic money server Y. .

  The electronic money server control unit 40 of the electronic money server 3 performs an electronic money check process based on the electronic money medium ID information, the electronic money user name information, and the like transmitted from the host server 2 (step S27). In this process, the electronic money server control unit 40 checks whether or not the electronic money medium ID information and the electronic money user name information included in the information transmitted from the host server 2 exist in the electronic money server 3. To do. Specifically, the electronic money server control unit 40 of the server X refers to the electronic money transaction history table of FIG. 11 (1), information on the electronic money medium ID transmitted from the host server 2, and an electronic money user Check whether information including name information exists.

  In this process, the electronic money server control unit 40 stores the electronic money medium ID and electronic money user name information of the transaction target transmitted from the host server 2 in the storage unit 42 as shown in FIG. Check that it exists in the history table. Specifically, the electronic money server control unit 40 displays the information of the electronic money medium ID “0000-1111-2222-3333” and the electronic money user name “A”, which are transmitted from the host server 2, as shown in FIG. 11 (1) is checked to be present in the first row of the electronic money transaction history table. Then, the electronic money server control unit 40 transmits the check result to the host server 2.

  The host server control unit 30 of the host server 2 updates various tables of the host server 2 based on the check result (step S28). In this process, the host server control unit 30 adds or subtracts the amount of cash excess / deficiency in the ATM ID of ATM1 in which the transaction of the ATM cash excess / deficiency management table in FIG. Specifically, when electronic money is deposited, the amount of electronic money deposited is subtracted from the amount of cash excess / deficiency in the ATM ID of ATM 1 where the transaction was performed. Similarly, the host server control unit 30 adds or subtracts the amount of cash excess / deficiency in the connection-destination electronic money server in which the electronic money check of step S27 is performed in the in-host cash excess / deficiency table of FIG. To do. Specifically, when electronic money is deposited, the amount of electronic money deposited is subtracted from the amount of cash excess or deficiency in the connected electronic money server where the transaction was performed. Further, in step S26, the host server control unit 30 temporarily stores information on the electronic money medium ID, electronic money user name information, electronic money user telephone number information stored in the storage unit 32. Are added to and updated in the connection destination electronic money management table of FIG. The connection destination electronic money management table of FIG. 7 stores information of electronic money user name and electronic money user telephone number for each electronic money medium ID.

  The host server control unit 30 transmits the transaction availability result transmitted from the electronic money server 3 to the ATM 1 as a transfer execution response message (step S29). In this embodiment, the transaction approval / disapproval result includes information on transaction permission or transaction rejection. The ATM control unit 10 of the ATM 1 that has received the transfer execution response message performs an electronic money deposit process (step S30). In this process, for example, the ATM control unit 10 transmits information including ATM ID information, electronic money medium ID information, and transaction amount information to the host server 2. Then, during processing of information with the host server 2, the ATM control unit 10 displays, for example, a display screen of a wording “currently depositing electronic money” on the display unit 14.

  Although not shown, the host server control unit 30 connects to each connection destination electronic money server at a predetermined timing, and is based on the cash excess / deficiency information stored in the host cash excess / deficiency management table of FIG. Then, the cash excess / deficiency in the host between the host server 2 and the electronic money server 3 is adjusted. In the present embodiment, the predetermined timing is performed after the end of the day's work, but is not limited thereto. For example, it may be performed every time one transaction ends or may be performed every several hours.

  The ATM control unit 10 counts the change and releases the cash when it is necessary to release the cash (step S31). Then, after discharging the receipt medium (step S32), the ATM control unit 10 ends the transaction process.

  By charging the electronic money based on the pattern 1, it is possible to suppress the occurrence of coin jam in the coin processing unit. Further, since no coin change occurs, it is convenient for the customer to have no complicated coins. In addition, by charging the change to electronic money, it is possible to continue transactions using ATM1 without using coins in ATM1, so even if the amount of coins in the coin stacker is small, business continues. can do. Therefore, it is possible to suppress the transaction degeneration of the automatic transaction apparatus resulting from the clogging of money or the shortage of money.

<Pattern 2 transaction processing>
Next, in the cash transfer transaction, in the pattern of paying out banknotes with change and electronic money payment (Pattern 2), the flow of processing executed by the information processing system 100 when the customer makes a transaction with ATM1 is shown in FIG. This will be described with reference to FIG. FIGS. 15 and 16 are sequence diagrams illustrating transaction processing (pattern 2) executed by the information processing system 100 during a cash transfer transaction. Electronic money payment refers to payment with an amount charged to electronic money. Paying out banknotes with change and electronic money payment means to pay in exchange for the value of banknotes by adding the amount charged to electronic money to the change of coins generated by the transaction. Say. Steps S41 to S47 in FIG. 15 are substantially the same as steps S11 to S17 in FIG.

  The ATM control part 10 counts the money thrown into the banknote inlet / outlet 6 and the coin inlet / outlet 7 (step S48). In the present embodiment, a case will be described in which a customer inserts 50,000 yen into the bill slot 6 in order to pay a total amount of 49,432 yen for the transaction. In this case, it is necessary for the ATM control unit 10 to pay the change “568 yen” between the amount of 50,000 yen entered and the total amount of transaction 49,432 yen. Accordingly, as shown in FIG. 26, the ATM control unit 10 displays a confirmation screen including information on the deposit amount “50,000 yen”, the transfer amount “49,000 yen”, the fee “432 yen”, and the change “568 yen”. A screen is displayed on the display unit 14 (step S49). FIG. 26 is a diagram illustrating an example of a display screen displayed on the display unit 14 of the ATM 1 of the pattern 2. In this case, if another 432 yen is added, the coin change "568 yen" can be exchanged for one thousand yen bill and paid. Therefore, the ATM control unit 10 can return the change to the message field 111a on the confirmation screen shown in FIG. 26 by adding “Additional 432 yen to a thousand yen ticket. "Please press the button or cash button."

  Further, the ATM control unit 10 displays an electronic money button 111b, a cash button 111c, and a confirmation button 111d corresponding to the message field 111a on the confirmation screen of FIG.

  On the confirmation screen of FIG. 26, an electronic money button 111b, a cash button 111c, and a confirmation button 111d are displayed as deposit sources. If any of the displayed deposit source buttons is selected by the customer pressing the input unit 16 including a touch panel, the ATM control unit 10 selects the selected deposit source. The original selection is accepted (step S50). When the cash button 111c is selected as the change payment source, the process returns to step S48, and the ATM control unit 10 newly accepts and counts the money inserted into the coin inlet / outlet 7. For example, when 432 yen is accepted as a coin, no change occurs, so the process proceeds to step S52. Similarly, when the confirmation button 111d is selected, the process proceeds to step S52.

  On the other hand, when the electronic money button 111b is selected as the change payment source, the ATM control unit 10 performs an electronic money transaction process (step S51). The process in step S51 is substantially the same as step S23 in FIG.

  If the electronic money medium ID is acquired in step S51 or the confirmation button 111d is selected in step S50, the ATM control unit 10 transmits a transfer transaction execution request message to the host server 2 (step S51). S52). In this process, the ATM control unit 10 receives the transaction name information, the deposit amount information, the transfer amount information, the fee information, the cash change information, the electronic money change information, and the ATM 1 in which the transaction was performed. The information including the ATM ID information is transmitted to the host server 2 as a transfer transaction execution request message. The processing of step S53 to step S56 is substantially the same as the processing of step S26 to step S29 in FIG.

  The ATM control unit 10 counts the change and, when it is necessary to release money, releases the money (step S57). Then, after discharging the receipt medium (step S58), the ATM control unit 10 ends the transaction process.

  Based on the pattern 2, it is possible to suppress the occurrence of coin jam in the coin processing unit by paying out banknotes with change + electronic money payment. Moreover, if the change of coins can be exchanged for banknotes, it is convenient because there is no need to have many coins that are complicated to handle for customers. In addition, by charging the change to electronic money, it is possible to continue transactions using ATM1 without using coins in ATM1, so even if the amount of coins in the coin stacker is small, business continues. can do. Therefore, it is possible to suppress the transaction degeneration of the automatic transaction apparatus resulting from the clogging of money or the shortage of money.

<Transaction processing of pattern 3>
Next, FIG. 17 and FIG. 18 show the flow of processing executed by the information processing system 100 when a customer makes a transaction with ATM 1 in a pattern (pattern 3) in which coins generated during a cash transfer transaction are paid with electronic money. Will be described. 17 and 18 are sequence diagrams illustrating transaction processing (pattern 3) executed by the information processing system 100 during a cash transfer transaction. Steps S71 to S77 in FIG. 17 are substantially the same as steps S11 to S17 in FIG.

  The ATM control unit 10 displays a selection screen for selecting a payment method as shown in FIG. 27 on the display unit 14 as a display screen (step S78). FIG. 27 is a diagram illustrating an example of a display screen displayed on the display unit 14 of the ATM 1 of the pattern 3. The selection screen shown in FIG. 27 is a selection screen for instructing the customer to select a payment method for the fraction of money generated in the transaction, that is, cash coins. The ATM control unit 10 displays a cash button 121a, an electronic money payment button 121b, and a combined cash and electronic money payment button 121c as payment methods on the selection screen of FIG. When one of the payment method buttons is selected from among the displayed payment method buttons for coins by pressing the input unit 16 including a touch panel, the ATM control unit 10 selects The selected payment method is accepted (step S79). When the combined payment button 121c of cash and electronic money is selected as the change payout destination, the processing of the next step S80 or step S81 is performed.

  Here, in advance, the ATM control unit 10 accepts a setting of whether to perform the electronic money payment by the amount designated by the customer or by the fraction generated in the transaction. The ATM control unit 10 stores the received setting in the storage unit 12. The electronic money payment amount may be set based on information transmitted from the host server 2 or may be set in advance by the customer operating the input unit 16.

  If the electronic money payment amount is set to be the amount specified by the customer, the ATM control unit 10 displays a cash payment amount and electronic money payment amount reception screen as shown in FIG. Displayed as a screen (step S80). FIG. 28 is a diagram illustrating an example of a display screen displayed on the display unit 14 of the ATM 1 of the pattern 3. The reception screen shown in FIG. 28 is a reception screen for instructing designation of an amount of cash payment and an amount of electronic money payment. As shown in FIG. 28, the ATM control unit 10 displays a column for inputting a cash payment amount and a column for inputting an electronic money payment amount. When the customer presses the input unit 16 including a touch panel and inputs a numerical value from a numeric keypad (not shown), the ATM control unit 10 accepts an amount of cash payment and an amount of electronic money payment. In the present embodiment, as shown in FIG. 28, the ATM control unit 10 accepts a payment of “40,000 yen” as a cash payment, and accepts a payment of “10,423 yen” as an electronic money payment.

  If it is set that the amount of electronic money payment is to be performed as a fraction, the ATM control unit 10 displays a confirmation screen for confirming the amount of electronic money payment as shown in FIG. S81). FIG. 29 is a diagram illustrating an example of a display screen displayed on the display unit 14 of the pattern 1 ATM 1. The display screen shown in FIG. 29 is a confirmation screen for confirming the amount of electronic money paid for the fraction “432 yen” of the coin generated by the transaction. As shown in FIG. 29, the ATM control unit 10 displays a message to the effect that electronic money is paid for the fractional amount and the amount for the electronic money payment. In the present embodiment, as shown in FIG. 29, the ATM control unit 10 displays, as a message that the fractional portion is to be paid by electronic money, “I will pay the coin for electronic money”, “432 yen” is displayed as the amount.

  When the process of step S80 or step S81 ends, the process of the next step S82 is performed.

  The ATM control unit 10 counts the money inserted into the banknote slot 6 and the coin slot 7, and displays the confirmation screen of FIG. 20 for confirming the amount (step S82). The confirmation screen in FIG. 20 is the same screen as the confirmation screen displayed in step S18 of pattern 1. In the present embodiment, a case will be described in which a customer inserts 50,000 yen into the bill slot 6 in order to pay a total amount of 49,432 yen for the transaction. In this case, it is necessary to pay a change of "568 yen", which is the difference between the invested amount of 50,000 yen and the total transaction amount of 49,432 yen. Accordingly, as shown in FIG. 20, the ATM control unit 10 displays a confirmation screen including information on the deposit amount “50,000 yen”, the transfer amount “49,000 yen”, the fee “432 yen”, and the change “568 yen”. Displayed on the unit 14.

  When the process of step S82 ends, or when the item “electronic money payment” is selected as the payment method of the transfer amount in step S79, the ATM control unit 10 performs an electronic money transaction process (step S83). The process in step S83 is substantially the same as step S23 in FIG. In step S79, when the cash payment button 121a is selected as the payment method, the ATM control unit 10 displays a display screen for confirming the amount to be paid in cash on the display unit 14, and the amount to be paid in cash is displayed. Process to accept. The process for accepting the amount to be paid in cash is the same as the process of a known automatic transaction apparatus, and therefore the description thereof is omitted.

  When the process of step S83 is completed, the ATM control unit 10 displays a confirmation screen such as a cash amount as shown in FIG. 30 on the display unit 14 as a display screen (step S84). FIG. 30 is a diagram illustrating an example of a display screen displayed on the display unit 14 of the ATM 1. The confirmation screen shown in FIG. 30 is a confirmation screen for confirming the transfer amount, the fee, the cash payment amount, and the electronic money payment amount. As shown in FIG. 30, the ATM control unit 10 displays a confirmation screen having items for confirming the transfer amount, items for confirming the fee, items for confirming the amount to be paid in cash, and items for confirming the amount to be paid with electronic money. It is displayed on the display unit 14.

  In the present embodiment, as shown in FIG. 30, the ATM control unit 10 sets “50,000 yen” as the transfer amount in the item for confirming the transfer amount, “432 yen” as the fee in the item for confirming the fee, “40,000 yen” is displayed on the display unit 14 as an amount for cash payment, and “10,432 yen” is displayed as an amount for electronic money payment on an item for confirming the amount to be paid with electronic money.

The ATM control unit 10 transmits a transfer transaction execution request message to the host server 2 (step S85). The processes in steps S85 to S89 in FIG. 18 are substantially the same as the processes in steps S25 to S29 in FIG. And the ATM control part 10 complete | finishes a transaction process, after discharging | emitting a receipt medium (step S90).
Based on the pattern 3, by making the payment of coins with electronic money, the occurrence of coin jams in the coin processing unit can be suppressed. Further, since no coins are required, it is convenient because there is no need to have many coins that are difficult to handle for the customer. In addition, since the transaction can be continued without inserting coins into the ATM 1, even if the amount of coins in the coin stacker is excessive, coins in the ATM can be further reduced by suppressing the deposit of coins. The transaction by ATM1 can be continued without increasing the amount of. Therefore, it is possible to suppress the transaction degeneration of the automatic transaction apparatus resulting from the clogging of money and the excessive amount of money.

  Although the embodiments of the present invention have been described above, the present invention is not limited to the above-described embodiments, and various improvements and modifications can be made without departing from the scope of the present invention.

  In the above-described embodiment, the transaction processing is performed based on the settings of the patterns 1 to 3 according to the situation of the coins in the ATM 1, but the present invention is not limited to this. For example, transaction processing can be executed based on patterns arbitrarily set by customers or bank employees.

  Moreover, in the above-mentioned embodiment, although it is set to perform only the fraction of a coin as a fraction, it is not restricted to this. For example, it may be set so as to be performed for a fraction of 100 yen or less, or may be set for a fraction of 10 yen or less.

1 ATM
2 Host server 3 Electronic money server 4 Card entry / exit 5 Bankbook entry / exit 6 Banknote entry / exit 7 Coin entry / exit 10 ATM control unit 12 Storage unit 14 Display unit 16 Input unit 18 Wireless communication unit 20 Passbook processing unit 22 Card processing unit 24 Banknote Processing unit 26 Coin processing unit 27 Receipt issuing unit 28 Communication unit 30 Host server control unit 32 Storage unit 34 Display unit 36 Input unit 38 Communication unit 40 Electronic money server control unit 42 Storage unit 44 Display unit 46 Input unit 48 Communication unit 100 Information Processing system 101a Cash button 101b Electronic money deposit button 101c Combined cash and electronic money button 111a Message field 111b Electronic money button 111c Cash button 111d Confirm button 121a Cash button 121b Electronic money payment button 121c Combined payment of cash and electronic money Button M Electronic money medium

Claims (14)

An automatic transaction apparatus for performing a cash transaction with a customer,
An automatic transaction apparatus characterized in that it settles with electronic money in which a predetermined amount generated at the time of depositing / withdrawing of the cash transaction is replaced with electronic information. 2. The automatic transaction apparatus according to claim 1, wherein a fraction of money generated at the time of deposit / withdrawal of the cash transaction is settled by the electronic money as the money of the predetermined amount. 2. The automatic transaction apparatus according to claim 1, wherein a fraction of coins generated at the time of deposit / withdrawal of the cash transaction is settled by the electronic money as the money of the predetermined amount. 4. The electronic money is charged with an amount corresponding to the fraction of the generated coin when a fraction of the coin is generated at the time of withdrawal in the cash transaction deposit / withdrawal. 5. Automatic transaction device. In the case where a fraction of the coin is generated at the time of withdrawal, out of the deposit and withdrawal of the cash transaction, the amount charged to the electronic money is added to the amount of the fraction of the generated coin and paid in banknotes The automatic transaction apparatus according to claim 3. Of the deposits and withdrawals of the cash transaction, when the fraction of the coin is requested at the time of deposit, the payment for the requested fraction of the coin is paid based on the amount charged to the electronic money. The automatic transaction apparatus according to claim 3. 4. The automatic transaction according to claim 3, wherein, when depositing and withdrawing the cash transaction, when the deposit is excessive in the automatic transaction apparatus, the deposit corresponding to the coin is charged to the electronic money. 5. apparatus. Of the deposits and withdrawals of the cash transaction, when the automatic transaction apparatus is short of coins at the time of withdrawal, the withdrawal of the coins is performed based on the amount charged to the electronic money. The automatic transaction apparatus according to claim 3. A transaction processing system including an automatic transaction apparatus that performs a cash transaction with a customer, and a host server connected to the automatic transaction apparatus via a network,
The automatic transaction apparatus, when a fraction of coins is generated at the time of withdrawal of the cash transaction, transmits to the host server an amount charged with the electronic money corresponding to the fraction of the coins generated,
The transaction processing system, wherein the host server manages an amount charged with the electronic money. A transaction processing system including an automatic transaction apparatus that performs a cash transaction with a customer, and a host server connected to the automatic transaction apparatus via a network,
The automatic transaction apparatus, when a fraction of coins is generated at the time of withdrawal of the cash transaction, the host server so as to allocate an insufficient amount from electronic money when the fraction of the generated coins is paid with bills. Send to
The transaction processing system, wherein the host server manages value information of money paid from electronic money. A transaction processing system including an automatic transaction apparatus that performs a cash transaction with a customer, and a host server connected to the automatic transaction apparatus via a network,
The automatic transaction apparatus, when a fraction of the coin is requested at the time of depositing the cash transaction, transmits to the host server so as to perform payment for the requested fraction of the coin with electronic money,
The transaction processing system, wherein the host server manages an amount paid from the electronic money. A transaction processing program for causing an automatic transaction apparatus to perform a cash transaction with a customer,
A transaction processing program comprising a process of charging the electronic money with an amount corresponding to the fraction of the generated coin when a fraction of the coin is generated at the time of withdrawal of the cash transaction. A transaction processing program for causing an automatic transaction apparatus to perform a cash transaction with a customer,
In the case where a fraction of the coin is generated at the time of withdrawal of the cash transaction, it is provided with a process of adding the amount charged to the electronic money to the amount of the fraction of the generated coin and paying with a bill. A transaction processing program. A transaction processing program for causing an automatic transaction apparatus to perform a cash transaction with a customer,
In the case where a fraction of the coin is requested at the time of depositing the cash transaction, the method includes a process of paying the requested fraction of the coin based on the amount charged to the electronic money. Transaction processing program.