JP2023092765A - Account management system, automatic transaction device, program, and account management method - Google Patents

Abstract

To provide an account management system for managing an account with a minimum cash card, an automatic transaction device, a program, and an account management method.SOLUTION: An account management system 500 includes an automatic transactions device 100 and a bank overall server 400. The automatic transactions device 100 includes a coordination unit 111, a balance determination unit 113, and an execution unit 114. The cooperation unit 111 associates at least two pieces of account information with each other. The balance determination unit 113 determines whether or not a transactions amount corresponding to financial transactions is insufficient for a balance included in one account information when an instruction of financial transactions to the one account information is received among the cooperated account information. When the balance is insufficient relative to the transactions amount, the execution unit 114 executes the financial transactions by referring to the balance of other account information other than the one account information among the cooperated account information.SELECTED DRAWING: Figure 6

Description

The present invention relates to an account management system, an automatic transaction apparatus, a program, and an account management method.

Each financial institution, such as a bank, uses automated teller machines and financial media such as cash cards and passbooks, and the actual situation is that bank deposit balances are managed in a closed environment for each financial institution. . For example, if you use Bank A's cash card on Bank B's automatic transaction machine, you will be able to access the ledger of Bank A's account via a network such as the Zenginkyo (registered trademark) and collect a fee. can complete a transaction. Therefore, for one transaction operation, only the balance of the ledger of the corresponding bank can be used for transaction using the cash card to be used as a key. For example, a technology has been proposed for transferring funds to an account with insufficient funds (see, for example, Patent Document 1).

JP 2016-122264 A

However, if the cash card of the financial institution with which the user wishes to conduct the transaction is not at hand, the transaction cannot be carried out. In addition, if it is found that there is no balance in the account of the financial institution, it is necessary to change to a cash card of a financial institution that seems to have a balance and carry out the transaction again, so extra time is required for the transaction becomes.

In addition, if there is an account at a financial institution that has automatic withdrawal settings enabled, if the balance of the target account becomes insufficient, there is a risk that the payment will be delinquent without noticing the occurrence of the event. Furthermore, since the operator of the automatic teller machine needs to hold cash cards for the accounts of financial institutions, management becomes complicated and there is a risk of loss or theft.

An object of the present invention is to provide an account management system capable of managing an account with a minimum number of cash cards.

In order to achieve the above object, the present invention provides an account management system comprising an automatic transaction machine and a bank control server, wherein the automatic transaction machine includes a linking unit that links at least two or more pieces of account information. , when an instruction for a financial transaction is received for one of the linked account information, whether the transaction amount corresponding to the financial transaction is insufficient for the balance included in the one account information and a balance determination unit that determines whether or not the balance is insufficient for the transaction amount, and refers to the balance of other account information other than the first account information among the linked account information when the balance is insufficient for the transaction amount. and an execution unit configured to execute the financial transaction as described above.

Further, the present invention is an automated teller machine that communicates with a bank host computer, comprising: a linking unit that links at least two pieces of account information; and a financial transaction for one of the linked account information. a balance determination unit for determining whether or not the transaction amount corresponding to the financial transaction is insufficient with respect to the balance included in the one account information when the instruction of is received, and the balance for the transaction amount and an execution unit that refers to the balance of account information other than the one account information among the linked account information and executes the financial transaction when the account information is insufficient. and

Further, the present invention is a program executed by an automated teller machine that communicates with a bank host computer, wherein at least two pieces of account information are linked, and a financial transaction for one of the linked account information is provided. When a transaction instruction is received, it is determined whether or not the transaction amount corresponding to the financial transaction is insufficient for the balance included in the one account information, and if the balance is insufficient for the transaction amount. If it is, the process of executing the financial transaction is executed by referring to the balance of the account information other than the one account information among the linked account information.

Further, the present invention is an account management method executed by an automated teller machine that communicates with a bank host computer, wherein at least two pieces of account information are linked, and one account information among the linked account information is provided. When receiving an instruction for a financial transaction, it is determined whether the transaction amount corresponding to the financial transaction is insufficient for the balance included in the one account information, and the balance is not sufficient for the transaction amount When the balance is insufficient, the financial transaction is executed by referring to the balance of the account information other than the one account information among the linked account information.

According to the present invention, accounts can be managed with a minimum number of cash cards.

It is a figure which shows the structural example of the automatic transaction system of this embodiment. It is a figure which shows an example of the hardware constitutions of the automatic transaction apparatus which concerns on embodiment of this invention. FIG. 4 is a diagram showing an example of the hardware configuration of a bank A host according to the embodiment of the present invention; FIG. 4 is a diagram showing an example of the hardware configuration of a B bank host according to the embodiment of the present invention; It is a figure which shows an example of the hardware constitutions of the bank control server which concerns on embodiment of this invention. 1 is a block diagram showing an example of the functional configuration of an account management system; FIG. It is a figure which shows an example of an account information table. It is a figure which shows an example of a management information table. FIG. 10 is a sequence chart (part 1) showing an example of account registration processing executed in the account management system; FIG. FIG. 11 is a sequence chart (part 2) showing an example of account registration processing executed in the account management system; FIG. FIG. 11 is a sequence chart (part 3) showing an example of account registration processing executed in the account management system; FIG. FIG. 12 is a sequence chart (part 4) showing an example of account registration processing executed in the account management system; FIG. It is a figure which shows an example of the transaction selection screen displayed on a display part. It is a figure which shows an example of the priority setting screen displayed on a display part. FIG. 10 is a sequence chart (part 1) showing an example of account linkage processing executed in the account management system; FIG. FIG. 10 is a sequence chart (part 2) showing an example of account linkage processing executed in the account management system; FIG. FIG. 10 is a sequence chart (part 3) showing an example of account linkage processing executed in the account management system; FIG. FIG. 12 is a sequence chart (part 4) showing an example of account linkage processing executed in the account management system; FIG. FIG. 10 is a sequence chart (No. 5) showing an example of account linkage processing executed in the account management system; FIG. FIG. 11 is a sequence chart (No. 6) showing an example of account linkage processing executed in the account management system; FIG. It is a figure which shows an example of the priority confirmation screen displayed on a display part. FIG. 10 is a diagram showing an example of a preferred financial institution selection screen displayed on the display unit; FIG. 10 is a diagram showing an example of a financial institution selection screen displayed on the display unit;

Embodiments of the present invention will be described below with reference to the drawings. The account management system 500 of this embodiment will be described below.

FIG. 1 is a diagram showing a configuration example of an account management system 500 of this embodiment. The account management system 500 includes an automated teller machine 100, a bank A host computer (hereinafter referred to as "A bank host") 200, a B bank host computer (hereinafter referred to as "B bank host") 300, and a bank control server 400. include. Account management system 500 may include other devices not shown in FIG. Automated teller machine 100 is communicably connected to A bank host 200 and B bank host 300 via network N. The A bank host 200 and the B bank host 300 are connected to the bank control server 400 via the network N so as to be communicable. The A Bank host 200 is a server located within the jurisdiction of A Bank. B Bank host 300 is a server located within B Bank's jurisdiction.

The automated teller machine 100 is installed in stores such as banks and other financial institutions, and performs transactions such as deposits and withdrawals based on customer's operations. In this embodiment, the automated teller machine 100 may be under the jurisdiction of either Bank A or Bank B.

The automated teller machine 100 allows the operator to insert the cash card into the insertion slot according to the operation guide display, enter the personal identification number using the keyboard or touch panel, and communicate with the A bank host 200 or the B bank host 300 via the network N. , After confirming the identity of the person, transactions such as deposits, withdrawals, and transfers of cash are performed. In addition, although the automatic transaction apparatus 100 is shown as one in FIG. 1, it is not limited to this and may be plural.

The A bank host 200 and the B bank host 300 are devices that execute processing related to financial institutions according to electronic messages from the automatic teller machine 100 . The A bank host 200 or the B bank host 300 stores primary key information and sub-information associated with the primary key information, respectively. Information such as the customer's account number is stored in the primary key information. The sub information includes information such as the name of the holder corresponding to the account number.

The bank control server 400 is a device that executes processing related to financial institutions according to messages from the A bank host 200 or the B bank host 300 . The bank control server 400 is a server installed in, for example, the Zenginkyo (registered trademark).

FIG. 2 is a diagram showing an example of the hardware configuration of the automated teller machine 100 according to the embodiment of the present invention. The automated teller machine 100 has a control section 101 , a storage section 102 , a display section 103 , an input section 104 , a card processing section 105 , a bill processing section 106 , a coin processing section 107 and a communication section 108 .

The control unit 101 comprehensively controls the entire automatic transaction apparatus 100, and is realized by software processing of a CPU (Central Processing Unit) that reads a control program. The storage unit 102 is, for example, an SSD (Solid State Drive) or HDD (Hard Disk Drive), and stores control programs, screen data of an operation screen displayed on the display unit 103, and various data. Automated transaction device 100 may be implemented as a computer.

The display unit 103 displays a transaction screen for financial transactions and an operation screen for allowing the operator to enter a personal identification number. The input unit 104 receives an instruction from the operator and notifies the control unit 101 of the content of the instruction. The input unit 104 is a touch panel display, and is configured integrally with the display unit 103 .

The card processing unit 105 reads the card information of the cash card inserted by the operator, and notifies the control unit 101 of the read card information. The card may be either a magnetic card or an IC card. Card processing unit 105 reads MS (Magnetic Stripe) data in the case of a magnetic card, and notifies control unit 101 of the read MS data. In the case of an IC card, it reads data from the IC chip and notifies the control unit 101 of the data read from the IC chip.

The banknote processing unit 106 stores banknotes deposited by the operator in an internal banknote storage unit when depositing, and draws out a predetermined number of banknotes from the internal banknote storage unit when dispensing. The coin processing unit 107 stores coins deposited by the operator in an internal coin storage unit when depositing money, and feeds out a predetermined number of coins from the internal coin storage unit when dispensing money.

The communication unit 108 controls data transmission/reception between the automated teller machine 100 and the A bank host 200 and between the automated teller machine 100 and the B bank host 300 .

FIG. 3 is a diagram showing an example of the hardware configuration of the A bank host 200 according to the embodiment of the present invention. The A bank host 200 has a control unit 201 , a storage unit 202 , a display unit 203 , an input unit 204 and a communication unit 205 . The A Bank host 200 may have other hardware configurations not shown in FIG. In addition, although the automatic transaction apparatus 100 is shown as one in FIG. 3, it is not limited to this and may be plural. Also, the A bank host 200 may be connected to a host server (not shown).

The control unit 201 is a CPU or the like, and expands programs stored in the ROM, HDD, or the like of the storage unit 202 into the RAM of the storage unit 202 and sequentially executes them, thereby controlling the overall operation of the A bank host 200 . The storage unit 202 is a RAM, ROM, HDD, or the like, and stores programs executed by the control unit 201, various setting information, and the like.
The display unit 203 is, for example, an LCD display, and displays an operation screen or the like for the operator of the A bank host 200 under the control of the control unit 201 . The input unit 204 is a touch panel integrated with the display unit 203 and receives input instructions from the operator. The input information is notified to the control unit 201 .

The communication unit 205 communicates with the automated teller machine 100 and the bank control server 400 through the network N under the control of the control unit 201 . The A bank host 200 transmits and receives data to and from the automatic teller machine 100 and the bank control server 400 by performing communication using the communication unit 205 .

FIG. 4 is a diagram showing an example of the hardware configuration of the B bank host 300 according to the embodiment of the present invention. The B bank host 300 has a control unit 301 , a storage unit 302 , a display unit 303 , an input unit 304 and a communication unit 305 . Bank B host 300 may have other hardware configurations not shown in FIG. In addition, although the automatic transaction apparatus 100 is shown as one in FIG. 4, it is not limited to this and may be plural. Also, the B bank host 300 may be connected to a host server (not shown).

The control unit 301 is a CPU or the like, and expands programs stored in the ROM, HDD, or the like of the storage unit 302 into the RAM of the storage unit 302 and sequentially executes them, thereby controlling the overall operation of the B bank host 300 . The storage unit 302 is a RAM, ROM, HDD, or the like, and stores programs executed by the control unit 301, various setting information, and the like.
The display unit 303 is, for example, an LCD display, and displays an operation screen or the like to the operator of the B bank host 300 under the control of the control unit 301 . The input unit 304 is a touch panel integrated with the display unit 303 and receives input instructions from the operator. The input information is notified to the control unit 301 .

The communication unit 305 communicates with the automated teller machine 100 and the bank control server 400 through the network N under the control of the control unit 301 . The B bank host 300 transmits and receives data to and from the automatic teller machine 100 and the bank control server 400 by communicating with the communication unit 305 .

FIG. 5 is a diagram showing an example of the hardware configuration of the bank control server 400 according to the embodiment of the present invention. The bank control server 400 has a control unit 401 , a storage unit 402 , a display unit 403 , an input unit 404 and a communication unit 405 . The bank control server 400 may have other hardware configurations not shown in FIG.

The control unit 401 is a CPU or the like, and expands programs stored in the ROM, HDD, or the like of the storage unit 402 into the RAM of the storage unit 402 and sequentially executes them, thereby controlling the overall operation of the bank central server 400 . The storage unit 402 is a RAM, ROM, HDD, or the like, and stores programs executed by the control unit 401, various setting information, and the like.
The display unit 403 is, for example, an LCD display, and displays an operation screen or the like for the operator of the bank control server 400 under the control of the control unit 401 . The input unit 404 is a touch panel integrated with the display unit 403 and receives input instructions from the operator. The input information is notified to the control unit 401 .

The communication unit 405 communicates between the A bank host 200 and the B bank host 300 through the network N under the control of the control unit 401 . The bank control server 400 communicates with the communication unit 405 to transmit and receive data between the A bank host 200 and the B bank host 300 .

FIG. 6 is a block diagram showing an example of the functional configuration of the account management system 500. As shown in FIG. The account management system 500 includes an automated teller machine 100 , an A bank host 200 , a B bank host 300 and a bank control server 400 . Account management system 500 may include other configurations not shown in FIG.

The control unit 101 of the automated teller machine 100 includes a cooperation unit 111 , a priority reception unit 112 , a balance determination unit 113 and an execution unit 114 . The control unit 101 may include other functional configurations not shown in FIG.

The storage unit 202 of the A bank host 200 stores an account information table 211 . The storage unit 302 of the B bank host 300 stores an account information table 311 . The storage unit 202 and the storage unit 302 may store other information not shown in FIG.

FIG. 7 is a diagram showing an example of an account information table. 7A shows the account information table 211 stored in the storage unit 202 of the A bank host 200. FIG. 7B shows the account information table 311 stored in the storage unit 302 of the B bank host 300. FIG. Since the information stored in the account information table 211 and the information stored in the account information table 311 have the same configuration, they will be described together. The account information table 211 and the account information table 311 are examples of account information.

The account information table 211 and the account information table 311 store sub-information corresponding to the primary key. A primary key is information associated with an account number. The primary key includes financial institution code, branch code, item, and account number information. The sub-information includes the name of the holder corresponding to the account number of the primary key, the personal identification number, and the balance information.

The storage unit 402 of the bank control server 400 stores a management information table 411 . The storage unit 402 may store other information not shown in FIG.

FIG. 8 is a diagram showing an example of a management information table. The management information table 411 stores sub-information corresponding to the primary key. A primary key is information associated with an account number. The primary key includes financial institution code, branch code, item, and account number information. The sub-information includes priority order setting information. The priority order setting information is information indicating the order of priority account information. For example, information indicating which financial institution, bank A or bank B, is to be given priority is stored as the priority order setting information.

Returning to the description of FIG. 6, the linking unit 111 links at least two pieces of account information. At least two pieces of account information are information corresponding to different financial institutions. For example, when the linking unit 111 receives an account registration instruction based on an input operation to the input unit 104 by the operator of the automatic teller machine 100, the linking unit 111 transmits an account link inquiry request message to the A bank host 200 and the B bank host 300. to request linkage of account information.

The linking unit 111 determines whether or not the names of the holders included in the response messages received from the A bank host 200 and the B bank host 300 match in response to the account link inquiry request message. If the names of the holders included in the response messages from the A bank host 200 and the B bank host 300 match, the linking unit 111 performs account linking with the bank control server 400 via the A bank host 200. Make a registration request. The control unit 401 of the bank central server 400 registers linkage information between the account information of the A bank host 200 and the account information of the B bank host 300 in response to the account linkage registration request.

The priority order receiving unit 112 receives the order of priority account information among the account information linked by the linking unit 111 . When the priority order receiving unit 112 receives a priority order instruction based on the input operation to the input unit 104 of the operator of the automatic teller machine 100, the priority order receiving unit 112 sends the instruction to the bank control server 400 via the A bank host 200 or the B bank host 300. Make a priority setting request and request the registration of priority. The bank control server 400 stores the requested priority information in the sub-information of the management information table 411 in response to the priority setting request.

When the balance determination unit 113 receives a financial transaction instruction for one account information among the account information linked by the linking unit 111, the transaction amount corresponding to the financial transaction is added to the balance included in the one account information. It is determined whether or not it is insufficient.

If the balance determination unit 113 determines that the balance is insufficient for the transaction amount, the execution unit 114 determines the balance of the account information other than the one account information among the linked account information. Refer to and carry out financial transactions.

Next, account management processing executed in the account management system 500 will be described. 9 to 12 are sequence charts showing an example of account registration processing among the account management processing executed in the account management system 500. FIG. The account registration process is a process performed prior to the account linking process, which will be described later. FIG. 9 shows a sequence chart (No. 1) showing an example of account registration processing executed in the account management system 500 . FIG. 10 shows a sequence chart (part 2) showing an example of account registration processing executed in the account management system 500. As shown in FIG. FIG. 11 shows a sequence chart (No. 3) showing an example of account registration processing executed in the account management system 500 . FIG. 12 shows a sequence chart (No. 4) showing an example of account registration processing executed in the account management system 500. As shown in FIG.

The account registration process is executed by the control unit 101 of the automated teller machine 100 , the control unit 201 of the A bank host 200 , the control unit 301 of the B bank host 300 , and the control unit 401 of the bank central server 400 .

First, the control unit 101 of the automated teller machine 100 displays a transaction selection screen on the display unit 103 (step S101).

FIG. 13 is a diagram showing an example of a transaction selection screen 610 displayed on the display unit 103. As shown in FIG. A plurality of transaction keys are displayed on the transaction selection screen 610 . As transaction keys displayed on the transaction selection screen 610, a deposit key 611, a balance inquiry key 612, an account registration key 613, a withdrawal key 614, a fixed amount term key 615, and an ENGLISH key 616 are arranged.

The control unit 101 of the automated teller machine 100 determines whether or not the account registration key 613 among the transaction keys displayed on the transaction selection screen 610 displayed in step S101 has been selected through the input unit 104 of the touch panel display (step S102). ).

If the account registration key 613 is not selected (step S102: NO), the process waits until the account registration key 613 is selected. If the account registration key 613 is selected (step S102: YES), the control unit 101 causes the display unit 103 to display a card insertion screen (not shown) including a message prompting the user to insert the cash card of Bank A. (step S103).

When receiving the insertion of the cash card of Bank A based on the operator's operation, the control unit 101 acquires the account information of Bank A from the MS (Magnetic Stripe) of the cash card of Bank A (step S104). . The MS of the cash card of Bank A stores account information including the account number of Bank A and account registration information described later. If the cash card of Bank A has an IC (Integrated Circuit) chip, the control unit 101 may acquire the account information of Bank A from the IC of the cash card of Bank A. Information including the account number of Bank A is stored in the IC of the cash card of Bank A.

The control unit 101 displays on the display unit 103 a personal identification number input screen (not shown) containing a message prompting the user to input the personal identification number of Bank A, and prompts the user to input the personal identification number of Bank A through the input unit 104 of the touch panel display. Accept (step S105).

The control unit 101 transmits an account linkage inquiry request message to the A bank host 200 (step S106). The account linkage inquiry request message includes information on the account number and password of Bank A acquired from the cash card.

The control unit 201 of the A bank host 200, which has received the account linkage inquiry request message, refers to the account number of the A bank included in the account linkage inquiry request message, and stores the personal identification number included in the account linkage inquiry request message and the storage unit It is checked whether the personal identification number of Bank A stored in the account information table 211 of 202 matches (step S107). When it is confirmed that the personal identification numbers match, the control unit 201 turns ON the provisional application flag corresponding to the account number (step S108). The provisional application flag is information indicating whether or not there is an account linkage inquiry request. When the provisional application flag is ON, it indicates that an account linkage inquiry request has been made, and when the provisional application flag is OFF, it indicates that an account linkage inquiry request has not been made.

The control unit 201 transmits a response message including the name of the holder corresponding to the account number of Bank A and the confirmation result of the personal identification number to the automated teller machine 100 (step S109). The control unit 101 of the automated teller machine 100 determines the message based on the response message sent from the A bank host 200 (step S110). If the response message indicates that the confirmation result of the personal identification number does not match, the control unit 201 determines that the determination result of the message is NG (step S110: NG), and ends the account management process. becomes.

If the response message indicates that the confirmation result of the personal identification number matches, the control unit 201 determines that the determination result of the message is OK (step S110: OK), and the control unit 101 , a card insertion screen (not shown) containing a message prompting the user to insert a cash card of Bank B is displayed on the display unit 103 (step S111).

Upon accepting the insertion of the cash card of Bank B based on the operator's operation, the control unit 101 acquires the account information of Bank B from the MS of the cash card of Bank B (step S112). Information including the account number of B bank is stored in the MS of the cash card of B bank. If the cash card of Bank B has an IC chip, the control unit 101 may acquire the account information of Bank B from the IC of the cash card of Bank B. Information including the account number of B bank is stored in the IC of the cash card of B bank.

Control unit 101 displays on display unit 103 a personal identification number input screen (not shown) containing a message prompting the user to input the personal identification number of Bank B, and prompts the user to input the personal identification number of Bank B through input unit 104 of the touch panel display. Accept (step S113).

The control unit 101 transmits an account linkage inquiry request message to the B bank host 300 (step S114). The account linkage inquiry request message includes the information of the account number and password of Bank B obtained from the cash card of Bank B.

The control unit 301 of the B bank host 300, which has received the account linkage inquiry request message, refers to the account number of the B bank included in the account linkage inquiry request message, and compares the PIN number of the B bank included in the account linkage inquiry request message. , and the password stored in the account information table 311 of the storage unit 302 match (step S115).

When it is confirmed that the personal identification numbers match, the control unit 301 transmits a response message including the name of the holder corresponding to the account number of Bank B and the confirmation result of the personal identification number to the automated teller machine 100 (step S116). The control unit 101 of the automated teller machine 100 determines the message based on the response message sent from the B bank host 300 (step S117). If the response message indicates that the confirmation result of the personal identification number does not match, the control unit 101 determines that the determination result of the message is NG (step S117: NG), and ends the account management process. becomes.

If the response message indicates that the confirmation result of the personal identification number matches, the control unit 101 determines that the determination result of the message is OK (step S110: OK), and determines the name of the holder. (step S118). In determining the name of the holder, whether the name of the holder included in the response message sent from the A bank host 200 in step S109 matches the name of the holder included in the response message sent from the B bank host 300 in step S116. No is determined.

If the name of the holder included in the response message sent from the A bank host 200 does not match the name of the holder included in the response message sent from the B bank host 300, the determination of the name of the right holder is NG (step S118: NG), and the account registration process ends. If the name of the holder included in the response message sent from the A bank host 200 matches the name of the holder included in the response message sent from the B bank host 300, the determination of the name of the right holder is OK (step S118: OK), and the control unit 101 of the automatic teller machine 100 transmits an account linkage request message to the A bank host 200 (step S119). The account linkage request message includes information on the account number of Bank A and information on the account number of Bank B, which performs account linkage.

The control unit 201 of the A bank host 200 determines whether or not the provisional application flag is ON (step S120). When the provisional application flag is OFF, the control unit 201 transmits a response message to the effect that the account linkage cannot be performed to the automated teller machine 100, and terminates the account registration process.

If the provisional application flag is ON, an account linkage registration request message is transmitted to the bank control server 400 (step S121). The account linkage registration request message includes information on the account number of Bank A and information on the account number of Bank B, which are to be linked. The control unit 401 of the bank administration server 400 that has received the account linking registration request message performs inter-account linking information registration. In the inter-account linking information registration, a process of linking (linking) the information of the account number of Bank A and the information of the account number of Bank B included in the account linking registration request message is performed. The control unit 401 stores (registers) in the management information table 411 information linking the information on the account number of Bank A and the information on the account number of Bank B (inter-account linkage information) (step S122).

The control unit 401 of the bank control server 400 transmits the registration result to the A bank host 200 (step S123). Control unit 201 of A bank host 200 that has received the registration result transmits an authorization response to automated teller machine 100 (step S124).

The control unit 101 of the automatic teller machine 100 determines the message based on the response message sent from the A bank host 200 (step S125). If the response message indicates that the account cannot be linked, the control unit 101 determines that the determination result of the message is NG (step S125: NG), and ends the account registration process.

If the response message indicates that the account has been linked, the control unit 101 determines that the determination result of the message is OK (step S125: OK), and displays the priority order setting screen on the display unit 103. display (step S126).

FIG. 14 is a diagram showing an example of a priority order setting screen 620 displayed on the display unit 103. As shown in FIG. A priority setting screen 620 displays a selection key for selecting a preferential financial institution. As selection keys displayed on the priority order setting screen 620, an A bank selection key 621 and a B bank selection key 622 are arranged.

The control unit 101 of the automated teller machine 100 receives an input of a selection key for selecting a preferential financial institution from among the selection keys displayed on the priority order setting screen 620 displayed in step S126 through the input unit 104 of the touch panel display (step S127). When the A bank selection key 621 displayed on the priority setting screen 620 is selected, the control unit 101 selects A bank as the priority financial institution. When the B bank selection key 622 displayed on the priority setting screen 620 is selected, the control unit 101 selects the B bank as the priority financial institution.

The control unit 101 of the automatic teller machine 100 transmits a priority order setting request message to the A bank host 200 (step S128). The priority order setting request message includes the information on the priority order of the financial institution accepted in step S127.

Upon receiving the priority order setting request message, the control unit 201 of the A bank host 200 transmits a priority order registration request message to the bank control server 400 (step S129). The priority order setting request message includes information on the order of priority financial institutions accepted in step S127.

The control unit 401 of the bank central server 400 registers the priority based on the information of the financial institution included in the priority setting request message (step S130). When Bank A is selected as the order of priority financial institutions in the priority order setting request message, the control unit 401 registers Bank A and then Bank B as the order of priority financial institutions. When Bank B is selected as the order of priority financial institutions in the priority order setting request message, the control unit 401 registers Bank B and then Bank A as the order of priority financial institutions. The control unit 401 registers the order of priority financial institutions as a priority order setting in the management information table 411 .

The control unit 401 transmits the registration result of the priority order to the A bank host 200 (step S131). Control unit 201 of A bank host 200 that has received the registration result transmits an authorization response to automated teller machine 100 (step S132).

The control unit 101 of the automated teller machine 100 determines the message based on the response message sent from the A bank host 200 (step S133). If the response message indicates that the priority order cannot be registered, the control unit 101 determines that the determination result of the message is NG (step S133: NG), and ends the account registration process.

If the response message indicates that the priority order has been registered, the control unit 101 determines that the determination result of the message is OK (step S133: OK). account registration information is written to the MS of the cash card (step S134). Account registration information is information (flag) indicating that account information of at least two or more financial institutions is linked. The account registration information can be written in any free space in the MS of the cash card of Bank B. If the cash card of Bank B has an IC chip, the control unit 101 can write the account registration information to any free area of the IC of the cash card of Bank B.

Control unit 101 displays on display unit 103 a card return screen (not shown) including a message notifying that the cash card of Bank B will be returned (step S135). After that, the control unit 101 releases the cash card of Bank B from the automated teller machine 100 (step S136), and returns the cash card of Bank B to the operator.

The control unit 101 writes the account registration information to the MS of the cash card of Bank A (step S137). The account registration information can be written in any free space in the MS of the cash card of Bank A. If the cash card of Bank A has an IC chip, the control unit 101 can write the account registration information to any free area of the IC of the cash card of Bank A.

Control unit 101 displays on display unit 103 a card return screen (not shown) including a message notifying that the cash card of Bank A will be returned (step S138). After that, the control unit 101 releases the cash card of Bank A from the automated teller machine 100 (step S139), and returns the cash card of Bank A to the operator. When this process ends, the account registration process ends.

Next, account management processing executed in the account management system 500 will be described. 15 to 20 are sequence charts showing an example of account linkage processing among the account management processing executed in the account management system 500. FIG. The account linkage process is a process performed after the account registration process described with reference to FIGS. 9-12. FIG. 15 shows a sequence chart (No. 1) showing an example of account linkage processing executed in the account management system 500. As shown in FIG. FIG. 16 shows a sequence chart (No. 2) showing an example of account linkage processing executed in the account management system 500. As shown in FIG. FIG. 17 shows a sequence chart (No. 3) showing an example of account linkage processing executed in the account management system 500. As shown in FIG. FIG. 18 shows a sequence chart (No. 4) showing an example of account linkage processing executed in the account management system 500. As shown in FIG. FIG. 19 shows a sequence chart (No. 5) showing an example of account linkage processing executed in the account management system 500. As shown in FIG. FIG. 20 shows a sequence chart (No. 6) showing an example of account linking processing executed in the account management system 500 .

The account linkage processing is executed by the control unit 101 of the automatic teller machine 100 , the control unit 201 of the A bank host 200 , the control unit 301 of the B bank host 300 , and the control unit 401 of the bank central server 400 .

First, the control unit 101 of the automated teller machine 100 displays a transaction selection screen shown in FIG. 13 on the display unit 103 (step S201).

The control unit 101 of the automated teller machine 100 determines whether or not the refund key 614 among the transaction keys displayed on the transaction selection screen 610 displayed in step S201 has been selected through the input unit 104 of the touch panel display (step S202). .

If the refund key 614 is not selected (step S202: NO), the process waits until the refund key 614 is selected. When the withdrawal key 614 is selected (step S202: YES), the control unit 101 displays on the display unit 103 a card insertion screen (not shown) including a message prompting the user to insert a cash card of Bank A. (Step S203).

Upon accepting the insertion of the cash card of Bank A based on the operator's operation, the control unit 101 acquires the account information of Bank A from the MS of the cash card of Bank A (step S204). The MS of the cash card of Bank A stores account information including the account number of Bank A and account registration information. If the cash card of Bank A has an IC chip, the control unit 101 may acquire the account information of Bank A from the IC of the cash card of Bank A. Information including the account number of Bank A is stored in the IC of the cash card of Bank A.

The control unit 101 determines whether account registration information is included in the account information acquired from the cash card of Bank A in step S204 (step S205). If the account registration information is not included (step S205: NO), it indicates that the account information of the financial institution is not linked. After that, the process ends (step S206).

If the account registration information is included (step S205: YES), the control unit 101 sends an account registration inquiry request message to the bank A host 200 to indicate that the account information of the financial institution is linked. Send (step S207). The account registration inquiry request message includes information on financial institution code, branch code, account, and account number.

The control unit 201 of the A bank host 200 transmits an account registration inquiry request message to the bank central server 400 (step S208). The account registration inquiry request message sent in step S208 has almost the same contents as the account registration inquiry request message sent in step S207.

The control unit 401 of the bank central server 400 performs an account registration information search for searching whether the account information included in the account registration inquiry request message is registered in the management information table 411 (step S209). If the account information included in the account registration inquiry request message is registered in the management information table 411, the control unit 401 transmits the account information linked to the account information of Bank A to the host 200 of Bank A (step S210). The linked account information includes the account information of Bank B. The control unit 201 of the A bank host 200 that has received the linked account information transmits an authorization response to the automated teller machine 100 (step S211).

The control unit 101 of the automated teller machine 100 determines the message based on the response message sent from the A bank host 200 (step S212). If the response message indicates that account linking is not possible, the control unit 101 determines that the determination result of the message is NG (step S212: NG), and ends the account linking process.

If the response message indicates that the account has been linked, the control unit 101 determines that the determination result of the message is OK (step S212: OK), and displays the priority bank confirmation screen on the display unit 103. display (step S213).

FIG. 21 is a diagram showing an example of a priority confirmation screen 630 displayed on the display unit 103. As shown in FIG. On the priority order confirmation screen 630, a priority order (order) 631, a correction key 632, and a confirmation key 633 of the financial institution that takes precedence when there is an insufficient amount are arranged.

The control unit 101 of the automated teller machine 100 determines whether or not the correction key 632 among the keys displayed on the priority order confirmation screen 630 displayed in step S213 has received input through the input unit 104 of the touch panel display (step S214). ). The correction key 632 is a key for receiving correction of priority. If the correction key 632 has not been input through the input unit 104 of the touch panel display (step S214: NO), the process proceeds to step S217. If the input of the correction key 632 is accepted through the input unit 104 of the touch panel display (step S214: YES), the control unit 101 determines that the correction of the priority has been accepted, and displays the preferred bank/financial institution selection screen on the display unit 103. (step S215).

FIG. 22 is a diagram showing an example of a preferred financial institution selection screen 640 displayed on the display unit 103. As shown in FIG. A preferred financial institution selection screen 640 displays a selection key for selecting a preferred financial institution. As selection keys displayed on the preferred financial institution selection screen 640, an A bank selection key 641 and a B bank selection key 642 are arranged.

The control unit 101 of the automated teller machine 100 receives an input of a selection key for selecting a preferred financial institution from among the selection keys displayed on the preferred financial institution selection screen 640 displayed in step S215 through the input unit 104 of the touch panel display ( step S216). When the A bank selection key 641 displayed on the preferred financial institution selection screen 640 is selected, the control unit 101 selects A bank as the priority financial institution. When the B bank selection key 642 displayed on the preferred financial institution selection screen 640 is selected, the control unit 101 selects the B bank as the priority financial institution.

The control unit 101 displays on the display unit 103 a personal identification number input screen (not shown) containing a message prompting the user to input the personal identification number of Bank A, and prompts the user to input the personal identification number of Bank A through the input unit 104 of the touch panel display. Accept (step S217).

Control unit 101 displays on display unit 103 a withdrawal amount input screen (not shown) including a message prompting the user to input the amount to be withdrawn, and accepts input of the amount to be withdrawn through input unit 104 of the touch panel display (step S218). The control unit 101 displays, on the display unit 103, an amount confirmation screen (not shown) including a message prompting confirmation of the received withdrawal amount (step S219).

The control unit 101 transmits a balance inquiry request message to the A bank host 200 (step S220). The balance inquiry request message includes information on the account number, withdrawal amount, and personal identification number.

Upon receiving the balance inquiry request message, the control unit 201 of the A bank host 200 refers to the account number of the A bank included in the balance inquiry request message, and checks the personal identification number included in the balance inquiry request message and the account in the storage unit 202. It is checked whether the personal identification number of Bank A stored in the information table 211 matches (step S221). When it is confirmed that the personal identification numbers match, the control unit 201 confirms whether the withdrawal amount included in the balance inquiry request message is sufficient for the balance of Bank A stored in the account information table 211 of the storage unit 202. A balance inquiry is made (step S222). After completing the balance inquiry, the control unit 201 transmits an authorization response to the automated teller machine 100 (step S223).

The control unit 101 of the automated teller machine 100 determines the message based on the response message sent from the A bank host 200 (step S224). If the response message indicates that the personal identification numbers do not match, the control unit 101 determines that the determination result of the message is NG (step S224: NG), and ends the account linking process.

If the response message indicates that the personal identification numbers match, the control unit 101 determines that the determination result of the message is OK (step S224: OK), and performs balance determination based on the response message. (Step S225). If the response message indicates that the balance is sufficient, the control unit 101 determines that the balance determination is OK (step S225: OK), and similar to normal transaction processing, sends A refund request message is sent (step S226). The refund request message includes a personal identification number and information on the withdrawal amount.

The control unit 201 of the bank A host 200, which has received the refund request message, refers to the account number of the bank A included in the refund request message, and stores the personal identification number included in the refund request message and the account information table 211 in the storage unit 202. and the personal identification number of Bank A stored in . When it is confirmed that the personal identification numbers match, the control unit 201 updates the balance of Bank A stored in the account information table 211 by subtracting the withdrawal amount included in the refund request message (step S228). After updating the balance, the control unit 201 transmits an authorization response to the automated teller machine 100 (step S229).

The control unit 101 of the automated teller machine 100 determines the message based on the response message sent from the A bank host 200 (step S230). If the response message indicates that the personal identification numbers do not match, the control unit 101 determines that the determination result of the message is NG (step S230: NG), and ends the account linking process.

If the response message indicates that the personal identification numbers match, the control unit 101 determines that the determination result of the message is OK (step S230: OK), and counts the amount of cash corresponding to the withdrawal amount. (Step S231), and release the counted cash (Step S232). The control unit 201 prints the released amount on the statement and releases it (step S233). When this process ends, the account linkage process ends.

Returning to the description of step S225, when the response message indicates that the balance is insufficient, the control unit 101 determines that the balance determination is NG (step S225: NG), and the process proceeds to step S234. move on.

The control unit 101 determines whether or not the balance inquiry in step S222 has been performed for all registered accounts (step S234). If the balance inquiry in step S222 has been performed for all registered accounts (step S234: YES), the account linking process ends. In other words, if balance inquiry has been completed for all accounts, the sum of the balances of all accounts is insufficient for the payout amount, so in this case the process ends.

If the balance inquiry in step S222 has not been performed for all registered accounts (step S234: NO), the control unit 101 displays a financial institution selection screen on the display unit 103 (step S235).

FIG. 23 is a diagram showing an example of the financial institution selection screen 650 displayed on the display unit 103. As shown in FIG. A financial institution selection screen 650 displays a shortfall amount 651 and a financial institution selection key 652 for selecting a financial institution to make up for the shortfall amount.

The control unit 101 of the automated teller machine 100 accepts selection of a financial institution using the financial institution selection key 652 displayed on the financial institution selection screen 650 displayed in step S235 (step S236).

Control unit 101 displays on display unit 103 a personal identification number input screen (not shown) containing a message prompting the user to input the personal identification number of Bank B, and prompts the user to input the personal identification number of Bank B through input unit 104 of the touch panel display. Accept (step S237).

The control unit 101 transmits a balance inquiry request message to the B bank host 300 (step S238). The balance inquiry request message includes the account number of Bank B, the withdrawal amount, and the personal identification number. The withdrawal amount sent to B bank is the amount subtracted from the A bank balance.

Upon receipt of the balance inquiry request message, the control unit 301 of the B bank host 300 references the account number of the B bank included in the balance inquiry request message, and checks the personal identification number included in the balance inquiry request message and the account in the storage unit 302. It is checked whether the personal identification number of Bank B stored in the information table 311 matches (step S239). When it is confirmed that the personal identification numbers match, the control unit 301 confirms whether the withdrawal amount included in the balance inquiry request message is sufficient for the balance of Bank B stored in the account information table 311 of the storage unit 302. A balance inquiry is made (step S240). After completing the balance inquiry, the control unit 301 transmits an authorization response to the automated teller machine 100 (step S241).

The control unit 101 of the automated teller machine 100 determines the message based on the response message sent from the B bank host 300 (step S242). If the response message indicates that the personal identification numbers do not match, the control unit 101 determines that the determination result of the message is NG (step S242: NG), and ends the account linking process.

If the response message indicates that the personal identification numbers match, the control unit 101 determines that the determination result of the message is OK (step S242: OK), and performs balance determination based on the response message. (Step S243). If the response message indicates that the balance is insufficient, the control unit 101 determines that the balance determination is NG (step S243: NO), and ends the account linking process.

If the response message indicates that the balance is sufficient, the control unit 101 determines that the balance determination is OK (step S243: OK), and transmits a refund request message to the A bank host 200 (step S244). The refund request message includes a personal identification number and information on the withdrawal amount.

The control unit 201 of the bank A host 200, which has received the refund request message, refers to the account number of the bank A included in the refund request message, and stores the personal identification number included in the refund request message and the account information table 211 in the storage unit 202. and the personal identification number of Bank A stored in . When it is confirmed that the personal identification numbers match, the control unit 201 updates the balance of Bank A stored in the account information table 211 by subtracting the withdrawal amount included in the refund request message (step S246). After updating the balance, the control unit 201 transmits an authorization response to the automated teller machine 100 (step S247).

The control unit 101 of the automated teller machine 100 determines the message based on the response message sent from the A bank host 200 (step S248). If the response message indicates that the personal identification numbers do not match, the control unit 101 determines that the determination result of the message is NG (step S248: NG), and ends the account linking process.

If the response message indicates that the personal identification numbers match, the control unit 101 determines that the determination result of the message is OK (step S248: OK), and sends a refund request message to the B bank host 300. It transmits (step S249). The refund request message includes a personal identification number and information on the withdrawal amount.

The control unit 201 of the bank B host 300, which has received the refund request message, refers to the account number of the bank B included in the refund request message and stores the personal identification number included in the refund request message and the account information table 211 in the storage unit 202. It is confirmed whether the personal identification number of Bank B stored in . When it is confirmed that the personal identification numbers match, the control unit 201 updates the balance of Bank B stored in the account information table 211 by subtracting the withdrawal amount included in the refund request message (step S251). After updating the balance, the control unit 201 transmits an authorization response to the automated teller machine 100 (step S252).

The control unit 101 of the automated teller machine 100 determines the message based on the response message sent from the B bank host 300 (step S253). If the response message indicates that the personal identification numbers do not match, the control unit 101 determines that the determination result of the message is NG (step S253: NG), and ends the account linking process.

If the response message indicates that the personal identification numbers match, the control unit 101 determines that the determination result of the message is OK (step S253: OK), and counts the amount of cash corresponding to the withdrawal amount. (Step S254) and release the counted cash (Step S255). The control unit 101 prints the released amount on the statement and releases it (step S256). The control unit 101 releases the cash card of Bank A, and the account linking process ends.

In this way, if the accounts of Bank A and Bank B have already been linked, even if you do not have the cash card of the bank you wish to conduct transactions with, you can use the cash card of either bank. can be traded. Further, when it is found that there is no balance in the account of Bank A, the transaction can be performed without changing to the cash card of Bank B which has a balance, and it is not necessary to spend extra time on the transaction.

In addition, since the operator of the automated teller machine 100 does not need to hold cash cards for bank accounts, management becomes easy, and the risk of loss or theft of cash cards can be reduced. Therefore, it is possible to manage accounts that are used infrequently with a minimum number of cash cards.

It should be noted that the present invention is not limited to the above-described embodiment as it is, and can be embodied by modifying the constituent elements without departing from the spirit of the present invention at the implementation stage. Also, various inventions can be formed by appropriate combinations of the plurality of constituent elements disclosed in the above embodiments. For example, all the components shown in the embodiments may be combined as appropriate. Furthermore, components across different embodiments may be combined as appropriate. It goes without saying that various modifications and applications can be made without departing from the gist of the invention.

For example, for an account with regular automatic withdrawals, if there is a shortage in the balance during the automatic withdrawals, the insufficient funds are automatically transferred from another financial institution's account according to the priority order of the accounts accepted by the priority order reception unit 112. You can make a minute withdrawal. The order of priority can also include a setting that does not automatically withdraw when the amount falls below a certain amount.

Also, in the above-described embodiment, the withdrawal transaction is performed from the accounts of the two financial institutions, A bank and B bank. A withdrawal transaction may be made from more than one financial institution account.

100: automatic transaction device 101: control unit 102: storage unit 103: display unit 104: input unit 105: card processing unit 106: banknote processing unit 107: coin processing unit 108: communication unit 111: cooperation unit 112: priority reception unit 113: Balance determination unit 114: Execution unit 200: A bank host 201: Control unit 202: Storage unit 203: Display unit 204: Input unit 205: Communication unit 211: Account information table 300: B bank host 301: Control unit 302: Storage unit 303 : Display unit 304 : Input unit 305 : Communication unit 311 : Account information table 400 : Bank control server 401 : Control unit 402 : Storage unit 403 : Display unit 404 : Input unit 405 : Communication unit 411 : Management information table 500 : Account management system N : Network

Claims (6)

An account management system comprising an automatic transaction device and a bank control server,
The automatic transaction device is
a cooperation unit that cooperates with at least two or more pieces of account information;
Whether or not the transaction amount corresponding to said financial transaction is insufficient for the balance included in said one account information when an instruction for a financial transaction is received for one of said linked account information a balance determination unit that determines whether
An execution unit that, when the balance is insufficient for the transaction amount, refers to the balance of account information other than the first account information among the linked account information and executes the financial transaction. and an account management system. The account management system according to claim 1,
An account management system, wherein the at least two pieces of account information correspond to different financial institutions. The account management system according to claim 1 or claim 2,
further comprising a priority reception unit that receives a priority order of account information among the linked account information,
The execution unit, when the balance is insufficient for the transaction amount, refers to the balance of the account information corresponding to the order received by the priority reception unit to execute the financial transaction. account management system. An automated transaction device in communication with a bank host computer, comprising:
a cooperation unit that cooperates with at least two or more pieces of account information;
Whether or not the transaction amount corresponding to said financial transaction is insufficient for the balance included in said one account information when an instruction for a financial transaction is received for one of said linked account information a balance determination unit that determines whether
An execution unit that, when the balance is insufficient for the transaction amount, refers to the balance of account information other than the first account information among the linked account information and executes the financial transaction. and, an automatic transaction device characterized by comprising: A program executed by an automated teller machine that communicates with a bank host computer,
At least two or more account information are linked,
Whether or not the transaction amount corresponding to said financial transaction is insufficient for the balance included in said one account information when an instruction for a financial transaction is received for one of said linked account information determine whether
If the balance is insufficient for the transaction amount, a process of executing the financial transaction by referring to the balance of other account information other than the first account information among the linked account information A program characterized by executing An account management method executed by an automated teller machine communicating with a bank host computer, comprising:
At least two or more account information are linked,
Whether or not the transaction amount corresponding to said financial transaction is insufficient for the balance included in said one account information when an instruction for a financial transaction is received for one of said linked account information determine whether
If the balance is insufficient for the transaction amount, executing the financial transaction by referring to the balance of other account information other than the first account information among the linked account information. Characteristic account management method.

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