JP3134257B2 - Transaction processing system with commission processing - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a transaction processing system used for, for example, foreign exchange transfer transactions in financial institutions.
In particular, the present invention relates to a transaction processing system for performing transaction processing involving a fee.

[0002]

2. Description of the Related Art At present, when a customer carries out an exchange transfer transaction using a financial institution, it is necessary to pay a transfer fee to the financial institution. One person who bears the transfer fee is the case of the transfer person requesting the transfer, and the other person is the case of the transferee.

[0003] In financial institutions, automatic transaction devices are installed for the purpose of speeding up transactions and saving labor, and there are also automatic transaction devices capable of performing exchange transfer transactions. A technique relating to fee processing when making a transfer using an automatic transaction apparatus is disclosed in, for example, Japanese Patent Application Laid-Open No. 5-174403. The technology disclosed in this publication determines whether a customer is a member or a non-member based on a transaction card inserted into the device by the customer, and calculates a fee according to each case. In the past, when a customer, a transfer person himself / herself operated using an automatic transaction device, the transfer person specified which person was responsible for the commission,
Processing according to this specification is performed.

[0004]

As described above, since the fee bearer is determined by the designation of the depositor, for example,
Although the transaction should be borne by the transferor,
If the recipient is erroneously instructed to pay the fee, the fee is paid according to the instruction, and the recipient bears the burden. As a result, in the worst case, a trouble may occur between the payer and the financial institution or the payee. In order to avoid such troubles, the transferor needs to know exactly which commission bearer is for each transaction and specify it exactly. For this reason, it is bothersome and burdensome for the transfer person. This is not desirable for a financial institution from the viewpoint of customer service, and if the above-mentioned trouble occurs, it may lead to image deterioration.

The present invention has been made in view of the above circumstances, and reduces the psychological burden on a customer when conducting a transaction, and reduces the chances of trouble occurrence for a customer and a system operator such as a financial institution. It is an object of the present invention to provide a transaction processing system having a commission processing capable of improving the reliability and accuracy of transactions.

[0006]

Means for Solving the Problems In order to solve the above problems, the present invention is as follows. That is, automatic trading
A vibration consisting of the device and a host computer connected to it
Embedded processing system, the host computer
Is the fee bearer information that stores the fee bearer information in advance.
Storage means, and recipient information received from the automatic transaction apparatus
Is stored in the fee payer information storage means based on
Commissioner who searches and extracts commissioner information
The automatic transaction device has at least information extraction means.
Fee amount grasper who grasps the fee amount based on transaction information
Step, fee bearer instruction information and the extracted fee
Based on the bearer information, the amount as the fee bearer instruction information
Judge whether or not the payer information matches,
If not, either the orderer or the contractor
Fee bearer display information, which is information indicating whether or not the charge bearer
Charge bearer display information generating means for generating
The contractor or the contractor
How to generate and display commission bearer display information
Means for generating fee display information, the fee amount and
Processing to collect commissions based on commission bearer information
Commission collection means to be carried out.
You.

[0007] An automatic transaction apparatus and a host connected thereto are also provided.
Transfer system consisting of
In the host computer, fee bearer information is stored.
A charge bearer information storage means stored in advance,
The fee based on the recipient information received from the
Fee payer information stored in payer information storage means
A charge bearer information extracting means for searching and extracting
The automatic transaction device has information on the amount and fee bearer.
Input means for inputting a report, and
Grasping fee amount based on transaction information
Means, fee bearer instruction information and the number of steps extracted
Based on the fee bearer information, the fee bearer instruction information and the trouble
Judge whether the payer information matches,
If not, either the orderer or the contractor
Is the information indicating whether or not the
A charge bearer display information generating means for generating and displaying
Based on the information on the fee bearer, the negative
If the information matches with the person in charge,
Fee collection processing means that collects fees based on
If there is no match, the fee bearer display information
The error wording is displayed by the generation means, and the
Enter the correct amount or charge bearer instruction information again.
It is characterized by having

[0008]

Further, the charge bearer information includes charge share ratio information, and the charge bearer display information generating means, based on the charge share ratio information, determines a charge share ratio of each of the orderer and the contractor. In this case, fee bearer display information, which is information indicating the above, is generated.

[0010]

According to the present invention, in the transaction processing system provided with the commission processing as described above, first, the commission bearer information extracting means uses the commission bearer information based on the order receiver information input by, for example, an operator or the like. The charge bearer information stored in advance by the storage means is searched and extracted. On the other hand, the fee amount grasping means grasps the fee amount based on, for example, the transaction information input by the operator or the like and, if necessary, the aforementioned contractor information. Next, the charge bearer display information generating means generates charge bearer display information, which is information indicating which of the orderer and the contractor is the charge bearer, based on the extracted charge bearer information. Thereafter, the fee collection processing means performs a process of collecting a fee based on the fee amount and the fee bearer display information.

[0011] In addition, the fee payer instruction information input means,
Enter the charge bearer instruction information. Further, the charge payer information extracting means retrieves and extracts the charge payer information stored in advance by the charge payer information storage means based on the orderer information input by the operator or the like.
On the other hand, the fee amount grasping means grasps the fee amount based on, for example, the transaction information input by the operator or the like and, if necessary, the aforementioned contractor information. Next, the charge bearer information generating means, based on the input charge bearer instruction information and the extracted charge bearer information, determines whether the orderer or the contractor is the charge bearer. Generate payer display information. Thereafter, the fee collection processing means performs a process of collecting a fee based on the fee amount and the fee bearer display information.

[0012]

[0013] Further, the charge bearer information further includes charge share ratio information, and based on the charge share ratio information, the charge bearer display information generating means determines whether each of the orderer and the contractor has received the information. The fee bearer display information, which is information indicating the fee burden ratio, is generated.

[0014]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described below in detail with reference to the drawings. 1 is a conceptual diagram of the present invention, FIG. 2 is a system configuration example, FIG. 3 is a hardware configuration diagram of an automatic transaction apparatus, FIG. 4 is a hardware configuration diagram of a host computer,
FIG. 5 is a hardware configuration diagram of the terminal control device, FIG. 6 is a flowchart of the processing outline, FIG. 7 is a flowchart of the processing in the automatic transaction device (part 1), FIG. FIG. 9 is a flowchart of processing in the host computer, FIG. 10 is an example of information in a customer file, and FIG. 11 is an example of an input screen.

FIG. 3 shows a hardware configuration example of an automatic transaction apparatus to which the present invention is applied. Reference numeral 1 denotes an automatic transaction device installed at each branch of a bank. 3 is an automatic transaction device 1
Terminal control device installed in the same branch (hereinafter referred to as
"TC") and is connected to the automatic transaction apparatus 1. The automatic transaction apparatus 1 includes a processor 101, a memory 102, a floppy disk device 103, a communication control unit 104, and a disk (hereinafter, referred to as "DK") control unit 10.
5, a DK 106, a keyboard 107, a display unit 108, a printing unit 109, a card reading unit 110, a cash processing unit 111, a timer 112, and the like.

FIG. 4 shows an example of a hardware configuration of a host computer (hereinafter referred to as "HOST") 2 to which the present invention is applied. The HOST 2 is installed in, for example, an office center and is connected to the TC 3 via the line 5. HOST2 includes a processor 201, a memory 202,
Communication control unit 203, disk (DK) control unit 204, D
K205, magnetic tape control unit 206, input / output unit 207,
It comprises a terminal control unit 208, a timer 209 and the like. Further, the HOST 2 is connected to a computer 4 owned by a financial institution different from the financial institution holding the HOST 2 via a line. Note that the computer 4 is also configured with the same hardware as the HOST 2.

FIG. 5 shows an example of a hardware configuration of the TC3 to which the present invention is applied. TC3 includes a processor 301, a memory 302, a floppy disk device 303, a terminal control unit 304, a disk (DK) control unit 305, and a DK30.
6, input / output unit 307, communication control unit 308, and timer 30
9 and the like. The TC 3 is connected to the automatic transaction device 1 via the terminal control unit 304, and is connected to the HOST 2 via the communication control unit 308 and the line 5.

In this embodiment, a description will be given assuming that the present invention is applied to a system for performing a foreign exchange transfer transaction using an automatic transaction apparatus 1 installed in a branch of a financial institution.

An outline of the present invention will be described mainly with reference to FIG. A customer comes to the store and starts a transaction with the automatic transaction device 1 installed in the store. The customer inputs information relating to the transfer transaction such as the client information, the recipient information, and the transfer amount from the input unit 107 of the automatic transaction apparatus 1 (step S10).
1). In addition, fee payer instruction information for instructing whether the transfer fee is to be paid by the payee or the payer is also input (step S102).

When the customer completes the input of the information regarding the transfer transaction and the transfer fee bearer instruction information, the automatic transaction apparatus 1 transmits the information to the HOST 2 via the TC 3. When HOST2 receives the above-mentioned information, it searches a customer information file stored in advance in DK205 based on the recipient information included in the received information regarding the transfer transaction, and bears a fee corresponding to the recipient information. The user information. Next, the extracted fee bearer information is compared with the received fee bearer instruction information, and the following processing is performed according to the determination result (steps S103, S104, and S110).

(1) When it is determined that the received fee bearer instruction information indicates the burden on the payee, and the extracted fee bearer information indicates that the payable bearer can be paid,
It is determined that the charge is to be paid by the payee as instructed by the customer, and the charge processing is performed based on the transfer amount and the like assuming that the charge is payable by the payee (step S111). Subsequently, a transfer transaction process is performed based on the information regarding the transfer transaction (step S109).

(2) If it is determined that the received fee bearer instruction information indicates the burden on the payee and the extracted fee bearer information indicates that the payable bearer cannot be paid,
It is determined that the burden cannot be paid by the recipient in spite of the customer's instruction, the information to that effect is sent to the automated teller machine 1, and that fact is displayed on the display unit 108 to the customer (step S11).
2). Thereafter, the customer corrects the commission to be paid by the transferor and re-performs the transaction at step S10.
Move to 2.

(3) The received fee bearer instruction information indicates that the fee is not borne by the recipient (ie, that the fee is borne by the transferor), and the extracted fee bearer information indicates that the recipient cannot be borne by the recipient. If it is determined that the fee is to be paid by the transferor as instructed by the customer, it is determined that the fee is to be paid by the transferor, and a fee process is performed based on the fee amount and the like (step S108). Subsequently, a transfer transaction process is performed based on the information regarding the transfer transaction (step S10).
9).

(4) If it is determined that the received fee bearer instruction information indicates the transferor's burden and the extracted fee bearer's information indicates that the payer can bear the fee,
The payee can pay regardless of the customer's instructions,
The fact is sent to the automatic transaction apparatus 1 and the customer is displayed on the display unit 108, and a request is made to select which one is the bearer (step S105). Then, the payer performs fee processing according to the selection result of the customer (step S1).
07, step S108, step S111), and subsequently, the transfer transaction processing is performed based on the information regarding the transfer transaction (step S109).

Next, details of the processing of the embodiment will be described mainly with reference to FIGS. First, FIGS. 7 and 8 will be described. This process is performed when the customer performs a transfer transaction operation using the automatic transaction apparatus 1. The customer arrives at a sales office to perform a currency transfer transaction, and inputs information to the effect that the automatic transaction apparatus 1 installed in the store has selected the transfer transaction to the input unit 107.
And further, the transferor information such as the name, address, and transfer account number of the transferee and the payee information such as the name of the financial institution to be transferred, the name of the business office, the account number, and the name of the payee are input from the input unit 107. The processor 101 stores such information in the memory 102 (step S201, step S20
2).

Subsequently, the customer inputs fee payer instruction information indicating whether the fee bearer is the payee or the transferor (ie, the customer) from the input unit 107, and stores it in the memory 102 (step S203). . Next, the processor 101 creates an inquiry message based on the input recipient information in order to inquire the HOST 2 of the pre-stored fee bearer as to whether the recipient is a payee or a transferee (step S204). HOS via communication control unit 104 and TC3
It transmits to T2 (step S205). Based on the transmitted inquiry message, the HOST 2 performs a process of step S406 shown in FIG. 9 described later to create a response message and transmits it to the automatic transaction apparatus 1, so that the processor 101 The response message is received via the server (step S206).

Next, the processor 101 determines in step S2
It is determined whether or not the payer input in 03 is a payee (step S207). If it is determined that the payer is not a payee, the process proceeds to step S209.

If it is determined that the recipient is the recipient, it is determined whether it is possible to pay the recipient based on the fee bearer information set in the answer message (step S208). When it is determined that the recipient can bear the burden, FIG.
The process moves to step S301 shown in FIG.

If it is determined that it is not possible to pay the recipient, a message indicating that fact is displayed on the display unit 108 (step S2).
10). When the customer confirms that the recipient cannot pay by the displayed text, the input unit 1 indicating the confirmation is made.
07 is pressed (step S21).
1) For example, the charge payer instruction information is re-input so that the payer is the transferor (step S212). Thereafter, the process returns to step S207.

If it is determined in step S207 that the fee bearer is not the payee, it is determined based on the fee bearer information set in the reply message whether the payer can be paid by the payee (step S207). S20
9).

If it is determined that the recipient cannot bear the fee, the processor 101 recognizes that the recipient does not bear the fee, and proceeds to step S301 shown in FIG.

If it is determined that the burden can be paid by the recipient, a message indicating that fact is displayed on the display unit 108 (step S2).
10). When the customer confirms that the recipient can bear the burden (or is required) based on the displayed text, he / she presses a predetermined key provided on the input unit 107 indicating the confirmation (step S211). Is input again so that the recipient is the recipient (step S212). Thereafter, the process returns to step S207.

If it is determined in step S209 that the payer can pay, the payer's burden is usually advantageous to the payer, and the customer re-inputs the fee payer instruction information in step S212. Alternatively, after setting the information to that effect assuming the recipient's burden, the process may proceed to step S301 shown in FIG.

In step S301 shown in FIG.
The customer inputs the transfer amount including the commission as needed by the input unit 107.
, The processor 101 stores it in the memory 102 (step S301).

In the automatic transaction apparatus 1 in the present description, it is considered that at the time when the customer inputs the amount, the net transfer amount as the breakdown and the respective amounts of the fees are unknown, and only the total amount may be known. Then, as shown in FIG. 11, it is possible to input not only the net transfer amount and the fee separately, but also to input only the total amount including the fee.

Note that, even though the fee payer instruction information indicates that the transferor is responsible, the fee payer instruction information and the amount of money are input when only the net transfer amount is entered at the time of inputting the amount. If it is determined that the details are inconsistent, an error message is displayed on the display unit 108 so that the customer can again input the amount and / or the fee payer instruction information.

When the amount is input, it is determined whether or not the input amount includes the fee, that is, whether or not the total amount has been input (step S302).

If it is determined that the fee is included, the fee and the net transfer amount are calculated by referring to the recipient information, the timer 112 and the like as necessary based on the total amount (step S30).
3). This calculation is based on the total amount entered, for example, based on the fee corresponding to this amount
The transaction fee is subtracted from the total amount to obtain a provisional net transfer amount. Next, a fee corresponding to the provisional net transfer amount is determined, and if the fee matches the previously determined fee, the provisional net transfer amount is determined as a regular net transfer amount. If the fee does not match the previously determined fee, the temporary net transfer amount is corrected by the difference of the fee, etc., this is calculated as the new temporary net transfer amount, and this fee is calculated and matched with the previous fee. The same processing is repeated until the processing is performed. In addition, a table in which the net transfer amount and the fee are associated with each other based on the total amount is prepared in advance in the DK106 or the like, and the net transfer amount and the fee are retrieved by the search based on the total amount, or the calculation and the table search can be performed. They may be used together. The above calculations etc. are unique to the automatic transaction device 1,
Alternatively, it is performed in cooperation with TC3 and HOST2.

In step S304, step S
The display unit 10 displays the net transfer amount entered in 301 or obtained in step S303 and a fee if necessary.
8 (step S304). When the customer looks at the displayed net transfer amount and the commission and confirms that it is correct, the next step S304 is performed. If it is determined that the customer is not correct, information indicating cancellation, correction, or the like is input to the input unit 10.
7, the process is repeated from step S301.

When the customer confirms that the money is correct, the customer puts cash corresponding to (or exceeds) the transfer amount (including the commission if necessary) into a cash slot (not shown). The counting and storing results are displayed on the display unit 108 (step S305). When the customer sees this display and confirms that the amount is correct and presses a predetermined key, the processor 101 determines which of the above-mentioned transferee information, payee information and fee bearer stored in the memory 102. A transfer message is created based on the information indicating the transfer, the transfer amount, the commission, and other necessary information (step S3).
06), HOST2 via the communication control unit 104 and TC3
(Step S307). Based on the transmitted message, the HOST 2 performs a process shown in FIG. 9 to be described later to create a transfer result message and transmits it to the automatic transaction apparatus 1, so that the processor 101 transmits the transfer result message via the communication control unit 104. Is received (step S308).

Next, the processor 101 performs a process according to the received transfer result message. For example, if the message indicates that the transaction has been completed normally, a message indicating that the transaction has been completed is displayed on the display unit 108 (step S309). Then, step S30
The amount to be collected from the customer by the financial institution (for example, the net transfer amount or the total amount including the commission input in step S301 or set in the transfer result message) is subtracted from the amount counted in step 5, and the change is made. When it is determined that there is, the change amount is released from the cash processing unit 1111 by cash (step S310). Thereafter, the printing unit 109 prints and discharges the transaction result information such as the recipient information, the transfer amount, the fee amount, and the fee bearer on the receipt (step S311), and ends the process.

Note that there are various methods for the processing of the above-described steps S203 and S301, that is, the processing of the input of the fee payer and the input of the amount, and examples thereof will be described below.

(1) The fee bearer does not explicitly input. In the amount input, when only the net transfer amount as a breakdown is input, it is considered that the payee has been input as the payer, and in other cases, it is considered that the payer has been input as the payer.

(2) The fee bearer does not explicitly input. In the input of the amount, if the fee as a breakdown is not input, it is considered that the payee has been input as the payer, and if the fee is input, it is considered that the payer has been input as the payer. If the fee and the total amount have been entered, the fee is calculated based on the total amount.

(3) Unlike FIG. 11, an input field for the total amount of money is not provided, but only input fields for the net transfer amount and the fee. The fee bearer does not explicitly enter it. If a fee is entered, it is assumed that the payer has been entered as the bearer, and if no fee has been entered, it is assumed that the payee has been entered as the bearer.

(4) Unlike FIG. 11, an input field for the total amount of money is not provided, and only input fields for the net transfer amount and the fee are provided. The fee bearer is also explicitly entered.

Next, FIG. 9 will be described. This process is a process performed by the HOST 2 based on information when the customer has performed a transfer transaction operation with the automatic transaction device 1. As described above, the automatic transaction apparatus 1 transmits a message to the HOST 2 in step S205 shown in FIG. 7 and step S307 shown in FIG.
This message is received via the server (step S401). Since the message type is set in this message, this is determined. First, it is determined whether the message is an inquiry message (step S402).

If it is determined that the message is an inquiry message, step S4
Shift to 03. If it is determined that the message is not an inquiry message, it is determined whether the message is a transfer message (step S410). If it is determined that the received message is a transfer message, the process proceeds to step S411,
If it is determined that the received message is not a transfer message, a process (not shown) according to the message type is performed.

In step S403, the payee information set in the inquiry message is extracted, and it is determined whether or not the transfer is to the own bank based on the name of the financial institution or the like which is a part of the payee information (step S403). ). If it is determined that the customer file is addressed to its own bank, a customer file stored in advance in the DK 306 is searched using the account number, which is a part of the recipient information, as a search key. That is, the account numbers in the customer file are sequentially taken out, and the customer information having the matching account number is searched (step S404).

If the account number is not found in the customer file as a result of the search, a transfer destination designation error is determined, and a process (not shown) is performed.

If the account number is in the customer file,
The customer information having the account number is taken out (step S405), and an answer message is created based on the fee payer information set here in advance (step S406).
3 to the automatic transaction apparatus 1 (step S40).
7).

It should be noted that, for reasons such as the capacity of the DK 306 and customer management, the above-mentioned customer file may be constructed only for customers who have clearly defined fee payer information. In this case, the following processing may be performed when it is determined that the account number does not exist as a result of the search. For example, information indicating that the information is not registered in the customer file is set in the response message, and the subsequent determination of the fee bearer is left to the automatic transaction apparatus 1, or the unregistered payee must pay the fee uniformly. The deemed commission bearer sets information indicating that the transferee is the transferee in the response message.

Further, the customer information and transaction history information corresponding to the payer stored in advance in the customer file in the DK 306 and the transaction history file as necessary are stored in the search key (specifically, Is retrieved and retrieved based on the transferor's account number, address, name, etc.), and is determined in advance based on such information, taking into account the details of transactions, creditworthiness, etc., performed by the transferor up to the present time. If the recipient is a significant customer and the fee is small based on the prescribed criteria, and the financial institution decides that it is okay to assume the risk without paying the fee, the recipient Assuming that this is a burden, the information relating to this transaction is stored in the DK 306 for later requesting a fee to the recipient or for auditing, etc., and information indicating that the fee bearer is the transferor is set in the reply message. It may be sea urchin configuration. In addition, it is not limited only to this example.

In step S405, it is possible to determine who is the payer in consideration of not only the extracted payer information but also other information. For example, it is not unconditional to say that paying by the payee is not unconditional. For example, when the payee is a good customer for the payee, there may be a case where a fee is to be paid as a special service to the payee. In consideration of such circumstances, a condition for paying the recipient is set in advance in the customer information corresponding to the recipient. Then, when it is desired to make a judgment in consideration of this condition, a customer file is searched using a search key corresponding to the transferor, customer information corresponding to the transferor is extracted, and based on the customer information, By comparison, it may be configured to determine whether or not to pay the recipient, and to set the determined result in the answer message. The above-mentioned conditions include, for example, the transfer amount (that is, the purchase amount from the viewpoint of the recipient), the age and gender of the recipient, the transaction frequency with respect to the recipient, a specific person such as a whitelist or a blacklist, etc. Are set as satisfying all or some of the predetermined criteria.

Further, based on the same conditions as described above, for example, if the financial institution, that is, the system operator itself decides to bear all or a part of the fee, both the payee and the payee will pay the fee. The information indicating that there is no information or the determined fee bearer and the reduced amount or the reduced fee may be set in the response message (the automatic transaction apparatus 1 that receives this response message uses the HOST 2 Based on the determined fee, predetermined processing such as display of the fee and calculation of change is performed).

If it is determined in step S403 that the message is addressed to another bank, a message corresponding to the inquiry message is transmitted to a predetermined computer 4 held by the financial institution corresponding to the name of the financial institution (step S408). . The computer 4 performs the same processing as the above-mentioned HOST2 and returns a message corresponding to the reply message to the HOST2. This message is received (step S409), and the fee payer information set in the message is received. A response message is created based on the response message (step S406), and transmitted to the automated teller machine 1 via TC3 (step S407).

Considering that it is not always possible to construct a system at the same time for each financial institution so that the present invention can be applied, in the case of a transfer to another bank, it is determined whether or not to inquire about fee payer information. The information to be indicated is set in advance in the DK 205 in association with the name of the financial institution, and only when it is determined that the inquiry can be made with reference to this information, step S40 is performed.
8 and if it is not possible to make an inquiry, this may be set in a response message and notified to the automatic transaction apparatus 1. In the case where the address is addressed to another bank, as in the case where it is not registered in the customer file already described, for example, it is assumed that the payee does not pay the fee uniformly, and the information that the fee payer is the payer is entered in the response message. May be set.

In step S411, a fee process is performed based on the information indicating which fee bearer is set in the transfer message and the transfer amount. That is, when it is determined that the information indicating that the burden is on the recipient is set, the following processing is performed. Take out the commission set in the transfer message (if no commission is set, calculate the commission based on the total amount), for example,
It is necessary to withdraw the amount corresponding to the commission from the predetermined account set in the customer information searched from the customer file, and to pay the recipient later, as well as the payee and the commission The information about the transfer to be made is stored in the DK 205.

If it is determined that the information is paid by the transferor, the fee is calculated if only the total amount is set in the transfer message, and the net transfer amount is calculated by subtracting the fee from the total amount. To prepare for the next step of the transfer process. In the present embodiment, step S305
No fee collection process is required because cash has already been received at, but if necessary, for example, searching for customer information corresponding to the depositor from the customer file, and a predetermined account set in this customer information From the DK205, and the DK205 may be configured to withdraw the amount of money equivalent to the fee from the DK205, or to store information about the transferee and the fee to be charged to the transferee later, and the necessary transfer at the time of billing. good.

Thereafter, in order to secure evidence if necessary, information regarding the fee bearer, the fee, and the transfer in the transaction is stored in the DK 205 (step S41).
1). Subsequently, a transfer process is performed according to the net transfer amount set in the transfer message or calculated in step S411 (step S412), and a transfer result message is created based on the processing result (step S413).
It transmits to the automatic transaction apparatus 1 via C3 (step S40)
7).

Hereinafter, a modification of the above embodiment will be described.
In the above-described embodiment, it has been described that, in principle, either the transferor or the recipient bears all the fees. However, it is assumed that one of the two is not a full burden, but a burden ratio in advance (of course, a ratio or a monetary value corresponding to the ratio can be used to substantially express the ratio).
You may want to pay a fee based on this arrangement. In this case, the following configuration may be used. That is, as the fee bearer information of the customer file, the fee bearer (in this case, both the payer and the payer) is set for each payee, in addition to the fee bearer. Then, at the time of creating the answer message in step S405, the bearer and the burden ratio are set in the answer message. In the automatic transaction apparatus 1, the bearer and the bearer ratio set in the answer message and the step S3
Fee amount entered in 01 or step S30
Based on the fee amount calculated in step 3, the fee amount to be borne by both parties is calculated. Thereafter, if necessary, in step S304, the effect of the both and the amount of the fee for the both are additionally displayed.

It should be noted that the burden amount of both parties is not uniform, and the burden ratio may be changed in consideration of the attributes of the payer such as a good customer for the payee. In this case, it can be configured by the same method as that for determining the fee bearer described above in step S405. If one of the burden ratios is 0% and the other is 100%, it is substantially equivalent to either the transferor or the recipient paying all the fees. It can also serve as information indicating which one bears all the fees.

In the above-described embodiment, the description has been given assuming that the host has the customer file including the information on the fee. However, depending on the capacity of the DK 306 or the content of the file information, not only HOST 6 but also TC
In some cases, it may be advantageous to share with the customer file 3 (and, if necessary, the automatic transaction device 1 etc.) so that each has all or part of the customer file. Even with such a configuration, the above processing can be applied with a slight change. For example, the search process of the customer file in step S404 will be described as follows. That is, when the file is in TC3, when TC3 receives the inquiry message, TC3 does not transmit it to HOST2, but TC3 itself searches the customer file stored in DK306 based on this message and returns the result to the response message. And sends it to the automatic transaction apparatus 1. Then, the automatic transaction apparatus 1 may be configured to use the search result set in the message after receiving the message.

Further, the information may be recorded on a recording medium such as a transfer card instead of a file. In this case, for example, in step S203 or the like, the card reading unit 110 reads information related to the fee in the transfer card and stores the information in the memory 102, and in step S205 and step S206, stores the aforementioned information in the memory 102.
, And the processing after step S207 may be performed.

In the above-described embodiment, even if the fee bearer information in the reply message indicates that the fee bearer is the payer, for some reason (for example, the fee is assumed to be the payee). Has been determined and notified to the depositor,
The transferor may be convinced that the burden is on the recipient because the notification to the financial institution has been delayed. In consideration of this case, in step S203, it is possible to input information for forcing the receiver to pay, and if this information is added, the receiver is unconditionally charged in step S411. Is also good.

In this case, however, if the above information is input due to the mistake or intention of the payee, the payee bears the burden even though the payee is not originally borne by the payee. In a system where a trouble may occur, the transfer is designated by the transferor, that is, at the time of the transaction, the transferor is supposed to bear the fee and return it later. You may. In this case, in step S203, information to the effect that the transferee is to be paid for the transfer is input. And
In step S412, the DK 205 stores information on the payee and the fee for charging the payee, and information on the transfer such as the payer required for billing. Then, at a later time, the information is output and notified to the payee, and a request is made to the transferee for a return, or a transfer from the payee's account to the transferee's account is taken.

In the above-described embodiment, the description has been made assuming that the transfer person performs the transfer transaction using cash. However, the present invention is not limited to this. The transfer may be performed without using cash such as account transfer. In this case, the configuration may be as follows. For example, in step S301, the account number of the transferee is input, and step 305 is omitted. In steps S411 and S412, a predetermined amount may be debited based on the account number.

In the above embodiment, the fee bearer information is obtained by using the inquiry message.
It is also possible to use only the transfer message. In this case, the configuration is as follows. In the automated teller machine 1, the charge bearer instruction information input in step S203 is added, and a transfer message is created in step S306. In HOST2, upon receiving the transfer message, processing corresponding to steps S403 to S406 and steps S408 to S409 is performed. Then, the received fee bearer instruction information and HOST
2 determines whether or not the retrieved payer information matches, and if they match, the charge processing of step S411 is performed with the bearer's charge. If they do not match, the fact is transmitted to the automatic transaction apparatus 1 and the transferor is notified, and the input of the instruction information of the fee payer is requested again.

In the above-described embodiment, the transferor inputs the fee payer instruction information (that is, the payer is made aware of the fee payer), and compares the information with the fee payer information stored in advance. Make sure to check the sex. But,
The payer may be determined based on only the payer information stored in advance without input of the payer instruction information by the transferor. In this case,
For example, steps S203 and S203 are omitted, and steps S207 to S212
Change the received fee bearer to be displayed and confirmed by the transferor. Alternatively, the above-described confirmation by the transferee may be omitted, and the fee processing in step S411 may be performed based on the fee bearer information stored in the HOST2.

The application of the present invention is not limited to the transactions and systems described above. That is, the present invention can be applied not only to the currency transfer business at a financial institution but also to all systems used for business processing in which a commission burden occurs, such as various product sales and reservations at theaters. For example, in a system related to merchandise sales, an orderer as a customer pays a purchaser with purchase reservation information to a seller who has joined the system as necessary, together with purchase reservation information. The present invention can also be applied to a system in which one or both of a customer and a seller bears a certain ratio.

[0071]

As described above, according to the present invention, the following effects can be expected. That is, based on the contractor information, the charge bearer information stored in advance is searched and extracted. On the other hand, the fee amount is grasped based on the transaction information and the like. Then, based on the extracted fee bearer information,
It generates information indicating which of the orderer and the contractor is the fee bearer. Thereafter, a fee is collected based on this information and the fee amount.

Accordingly, since the commission bearer stored in the system or the like in advance bears the commission, the customer or the like does not need to input the commission bearer information when conducting a transaction, and the system or the like stores the commission bearer information. Is accurate. As a result, the burden and psychological burden of conducting a transaction for the customer is reduced, and the opportunity for troubles caused by the mistake of the fee bearer is reduced for the system operator such as the customer and the financial institution, and the reliability of the transaction, Accuracy is improved.

Also, fee payer instruction information is input.
Subsequently, based on the contractor information, the charge bearer information stored in advance is searched and extracted. On the other hand, the fee amount is grasped based on the transaction information. Then, based on the charge bearer information and the charge bearer instruction information, information indicating which of the orderer and the contractor is the charge bearer is generated. Thereafter, a fee is collected based on the fee amount and the fee bearer display information described above.

Therefore, if it is possible to confirm that the commission bearer input by the customer matches the commission bearer stored in the system or the like in advance, the commission bearer bears the commission. This is accurate because explicit instructions can be given to the bearer and the legitimate bearer can be confirmed. For this reason, it is possible for the customer to clearly indicate the fee bearer when conducting a transaction and the psychological burden is reduced, and for customers and system operators such as financial institutions, opportunities for troubles caused by mistakes of the fee bearer are reduced. , The reliability and accuracy of the transaction is improved.

Further, the terminal device inputs the commission bearer instruction information and transmits it to the processing device together with the order receiving party information and the transaction information. The processing device receives these, retrieves and extracts the fee bearer information stored in advance based on the contractor information. Then, based on the charge bearer instruction information and the charge bearer information, information indicating which of the orderer and the contractor is the charge bearer is generated and transmitted to the terminal device. The terminal device receives this information, and based on the information and the amount included in the transaction information, grasps the amount associated with the transaction including the amount corresponding to the commission and stores the cash corresponding to the amount.

Therefore, if it is possible to confirm that the commission bearer input by the customer matches the commission bearer stored in the system or the like in advance, the commission bearer bears the commission. For this reason, the reliability and accuracy of the transaction are increased, and cash associated with the transaction including the commission can be stored on the spot, so that there is no need for the customer and the system operator. Furthermore, since the fee bearer information is stored in the control device,
In the terminal device, a storage device for storing this information is not required, and the cost and size of the terminal device can be reduced.

Further, the commission bearer information further includes commission burden ratio information, and based on the commission burden ratio information, the commission bearer ratio of each of the orderer and the contractor is obtained. Collect.

Therefore, since it is possible to cope with not only the case where only one of the fees is charged but also various patterns of the fee burden, the flexibility in the operation of the transaction and the like is increased.

[Brief description of the drawings]

FIG. 1 is a conceptual diagram of the present invention.

FIG. 2 is an example of a system configuration.

FIG. 3 is a hardware configuration diagram of the automatic transaction apparatus.

FIG. 4 is a hardware configuration diagram of a host computer.

FIG. 5 is a hardware configuration diagram of a terminal control device.

FIG. 6 is a flowchart of a processing outline.

FIG. 7 is a flowchart (part 1) of a process in the automatic transaction apparatus.

FIG. 8 is a flowchart (part 2) of a process in the automatic transaction apparatus.

FIG. 9 is a flowchart of a process in the host computer.

FIG. 10 is an example of information in a customer file.

FIG. 11 is an example of an input screen.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Automatic transaction apparatus 2 Host computer (HOST) 3 Terminal control apparatus (TC) 101,201,301 Processor 102,202,302 Memory 104,203,308 Communication control part 106,205,306 Disk (DK) 107 Input part 108 Display section 109 Printing section 110 Card reading section 111 Cash processing section 112, 209, 309 Timer M1 Charge bearer information storage means M2 Charge bearer information extraction means M3 Charge bearer display information generating means M4 Charge amount grasping means M5 Charge collection processing means

 ──────────────────────────────────────────────────続 き Continuing from the front page Judge of the collegiate panel Shosuke Sato Judge Judge Manami Saito Judge Judge Seiji Iida (56) References JP-A-4-276858 (JP, A) JP-A 64-76271 (JP, A)

Claims (3)

(57) [Claims] 1. An automatic transaction apparatus and a host computer connected to the automatic transaction apparatus.
In a transfer processing system including a computer, the host computer stores fee payer information in advance.
Based on the fee payer information storage means to be stored and the payee information received from the automatic transaction device,
Fee stored in the fee payer information storage means
Fee payer information extraction means for searching and extracting payer information
Comprising, the automatic transaction device based on at least the transaction information
Fee amount grasping means for grasping the fee amount, fee bearer instruction information and the extracted fee bearer
Based on the information, the charge bearer instruction information and the quantity bearer
Judge whether the information matches, if not , the orderer or the orderer
Commissioner who is the information indicating who is the commissioner
Generates display information and generates fee bearer display information
Means , based on the fee amount and the fee bearer information,
A fee collection means for collecting a few fees
Transfer processing system and said that there were pictures. 2. An automatic transaction apparatus and a host computer connected thereto.
In a transfer processing system including a computer, the host computer stores fee payer information in advance.
Based on the fee payer information storage means to be stored and the payee information received from the automatic transaction device,
Fee stored in the fee payer information storage means
Fee payer information extraction means for searching and extracting payer information
The automatic transaction device has an amount and a charge bearer instruction information.
Input means for inputting a report, and trouble based on the transaction information received from the automatic transaction apparatus.
Fee amount grasping means for grasping the fee amount, fee bearer instruction information and the extracted fee bearer
Based on the information, the charge bearer instruction information and the charge bearer
Judge whether the information matches, if not , the orderer or the orderer
Commissioner who is the information indicating who is the commissioner
Fee bearer display information generating means for generating and displaying information
And, based on the fee bearer information, specified by the depositor
If the information matches the payer information,
Fee collection processing operator who collects commission based on
Step, and when they do not match, said fee payer display information generating means
To display the error wording,
Make correction input of amount or fee bearer instruction information
A transfer processing system characterized in that: 3. The fee bearer information is a fee burden ratio.
Information, and the fee bearer display information generating means includes:
Based on the ratio information, the fees of the transferor and the recipient
Generates charge bearer display information that is information indicating the share ratio
Comprising a fee processing according to claim 2, characterized in Rukoto
Transaction processing system.