JP4876499B2 - Automatic transaction equipment - Google Patents

Description

  The present invention relates to an automatic transaction apparatus and an automatic transaction system, and relates to an automatic transaction apparatus and an automatic transaction system that provide a service for reducing a usage fee of an automatic transaction apparatus installed in a store of a financial institution or a convenience store.

Conventional automatic transaction equipment is, cash drawer, has a packing slip that prints the contents of the transaction to issue to its customers when performing transactions, such as transfer cash by the operation of the customer.
In addition, if the customer selects whether or not to issue a statement at the end of the transaction and chooses unnecessary, the details of the transaction performed by the customer are displayed on the display unit so that the statement is not printed or issued. (For example, refer to Patent Document 1).

However, in the above-described conventional technology, financial institutions can reduce the cost by reducing the number of printouts and issuances of details of transactions performed by customers. There is a problem that the profit generated by reducing the amount of money is not reduced.
An object of the present invention is to solve such a problem.

Therefore, the present invention provides an automatic transaction apparatus that accepts transaction information input by a customer's operation at a customer operation display unit, transmits a transaction message requesting a transaction based on the transaction information to a host device, and conducts the transaction. On the fee reduction necessity selection screen that receives the accumulated points stored in advance in association with the account information such as the account number read from the card of the card from the host device and selects whether or not to reduce the transaction fee by the operation of the customer When a transaction fee reduction requirement is selected, a message and transaction for subtracting a point corresponding to a reduction in the transaction fee selected by the customer from the accumulated points received from the host device and notifying the accumulated points after the subtraction A transaction message containing information to reduce the fee is sent to the host device, and a statement that prints the details of the transaction to be performed by the customer's operation is selected Provided a point processing unit that adds a predetermined point to the accumulated points and sends a message notifying the accumulated points after the addition to the higher-level device when transaction details are selected on the vote necessity selection screen. After conducting a transaction in which the reduction of the fee is selected and the statement slip is not required, the number of points that can be used next time is displayed on the customer operation display section along with the newly added points. And

  According to the present invention as described above, it is possible to return the profit generated by the financial institution or the like to reduce the expense for issuing the statement slip to the customer, and to improve the service for the customer. .

  Embodiments of an automatic transaction apparatus and an automatic transaction system according to the present invention will be described below with reference to the drawings.

First, the first embodiment will be described.
FIG. 1 is a block diagram showing a configuration of an automatic transaction system in the first embodiment, and FIG. 2 is a block diagram showing a configuration of an automatic transaction apparatus in the first embodiment.
The configuration of the automatic transaction system will be described with reference to FIG.
In FIG. 1, 1 is an automatic transaction apparatus, which is installed in a store of a financial institution such as a bank or a store such as a convenience store. This automatic transaction apparatus 1 can perform transactions such as cash withdrawal, cash deposit, and transfer by customer operation. The communication line 2 is communicably connected.

  A host computer 3 is installed in an office center of a financial institution such as a bank. The host computer 3 includes a control unit that is a calculation and control unit such as a CPU (Central Processing Unit) and an MPU (Micro Processing Unit), a storage unit that is a storage unit such as a magnetic disk and a semiconductor memory, and a communication unit that is a communication unit. And is connected to the automatic transaction apparatus 1 or the like via the communication line 2 so that they can communicate with each other.

Further, the host computer 3 transmits / receives a transaction message such as cash withdrawal, cash deposit, and transfer to / from the automatic transaction apparatus 1 to determine whether or not to establish a customer transaction and to process the transaction. In addition, the user's account number and the customer's personal identification number are used to authenticate the identity of the person.
A customer database 4 is provided in the host computer 3. This customer database 4 stores customer information including accumulated points acquired by each customer, and stores the customer information in association with account information such as the account number of the customer. Therefore, the host computer 3 can search the customer database 4 based on the account information such as the account number of the customer and extract the customer information including the points acquired by the customer.

Here, the point is a score that can be given and accumulated to a customer when the customer does not receive a statement slip in the transaction performed by the automatic transaction apparatus 1, and the automatic transaction apparatus 1 according to the score. This means that you can receive a service that reduces the usage fee for the transactions you perform.
Next, the configuration of the automatic transaction apparatus will be described.

  In FIG. 2, reference numeral 11 denotes a customer operation display unit, which includes an operation unit such as a touch panel and a display unit such as a liquid crystal display. This customer operation display unit 11 is a touch panel placed on a display unit such as a CRTT (Cathode Ray Tube) display or a liquid crystal display to detect an input operation performed by the customer. A screen for guiding a customer's input operation or the like for the transaction and input information are displayed.

  A card unit 12 includes a card read / write mechanism and a card transport mechanism. The card unit 12 reads account information such as an account number from the magnetic stripe or IC chip of the card inserted by the customer into the card insertion / return port 13. The card from which the account number or the like has been read is discharged from the card insertion return slot 13 and returned to the customer. The card insertion / return port 13 is provided with a mechanism for detecting insertion of a card and a mechanism for detecting receipt of the card.

  Reference numeral 14 denotes a statement slip printing unit, which includes a statement slip printing mechanism, a statement slip conveying mechanism, and the like. The statement slip printing unit 14 prints the contents of the transaction performed by the customer's operation on the statement slip, transports the statement slip through the statement slip transport path, and discharges it from the statement slip discharge port 15. Receive a vote. The statement slip discharge port 15 is provided with a mechanism for detecting that the discharged statement slip has been received.

  Reference numeral 16 denotes a cash portion, which is composed of a banknote depositing and dispensing machine and a coin depositing and dispensing machine. This cash unit 16 performs deposit / withdrawal processing of banknotes and coins associated with cash withdrawal transactions and cash deposit transactions. Here, the deposit processing means that the banknotes put into the deposit / withdrawal port 17 by the customer are counted by the banknote depositing / dispensing machine and stored in the safe, and the coins inserted into the deposit / withdrawal port 17 are counted by the coin depositing / dispensing machine. It is to store. With the withdrawal process, banknotes and coins corresponding to the amount specified by the customer's operation are paid out from the banknote depositing / dispensing machine and the coin depositing / dispensing machine safe, counted, and delivered to the depositing / dispensing port 17 for payment to the customer. That is.

The deposit / withdrawal port 17 is provided with a mechanism for detecting inserted bills and coins and a mechanism for detecting receipt of bills and coins conveyed.
Note that the cash unit 16 is not limited to the one configured with the banknote depositing / dispensing machine and the coin depositing / dispensing machine, and may be configured only with the banknote depositing / dispensing machine. It may not be.

  A passbook unit 18 includes a mechanism for reading and writing the magnetic stripe of the passbook, a passbook transport mechanism, a passbook printing mechanism, and the like. The bankbook unit 18 reads the magnetic stripe of the bankbook inserted from the bankbook insertion / return port 19, prints the contents of the transaction performed by the customer, and discharges it from the bankbook insertion / return port 19. This passbook insertion / return port 19 is provided with a mechanism for detecting insertion of a passbook and a mechanism for detecting receipt of a passbook.

Reference numeral 20 denotes a storage unit which is configured by a semiconductor memory, a magnetic disk, or the like, stores information, and can read the stored information. The storage unit 20 stores a control program (software) for controlling the overall operation of the automatic transaction apparatus 1, screen data displayed on the customer operation display unit 11, information necessary for transactions performed by the customer, and the like.
A communication control unit 21 transmits and receives information to and from the host computer 3 connected via the communication line 2.

  Reference numeral 22 denotes a control unit, which includes a calculation and control unit such as a CPU, a storage unit (not shown), a point processing unit described later, and the like. The control unit 22 stores the operation of the entire automatic transaction apparatus 1 including the customer operation display unit 11, the card unit 12, the statement slip printing unit 14, the cash unit 16, the bankbook unit 18, the storage unit 20, and the communication control unit 21. Control is performed based on a control program (software) stored in 20.

The control unit 22 also has a calendar and a clock function that are means for measuring the date and time.
Reference numeral 221 denotes a point processing unit that provides a service for reducing a fee generated in a transaction performed by the customer based on the accumulated points received by the customer received from the host computer 3 and prints and issues a statement at the end of the transaction. For example, a process of adding the points given when unnecessary to the accumulated points acquired by the customer is performed.

The operation of the above configuration will be described.
The operation of each unit described below is controlled by a control unit such as a central processing unit (not shown) based on a program (software) stored in a storage unit such as a memory or a magnetic disk (not shown).
FIG. 3 is a flowchart showing the flow of transactions in the first embodiment, which will be described in accordance with steps represented by S in the figure.

First, when an approach of a customer is detected by a proximity sensor of the automatic transaction apparatus 1 (not shown), the customer operation display unit 11 of the automatic transaction apparatus 1 displays words such as “I welcome you” and “Drawout”, “Payment”, “Transfer”. A transaction selection screen including transaction selection buttons such as “Balance inquiry” is displayed.
S1a: When a transaction selection screen is displayed on the customer operation display unit 11, the customer presses a transaction selection button corresponding to a desired transaction. In this embodiment, it is assumed that the transaction selection button of “transfer” is pressed by the customer.

S2a: When the customer operation display unit 11 detects that the “Transfer” transaction selection button is pressed, the customer operation display unit 11 displays a card insertion guidance screen prompting the customer to insert a card according to an instruction from the control unit 22. The customer inserts his / her card from the card insertion / discharge port 13 according to the card insertion guidance screen.
S3a: The card unit 12 reads account information such as an account number from the magnetic stripe or IC chip of the inserted card. When the card is inserted, the customer operation display unit 11 displays a password input screen for accepting input of the customer's password. On the password input screen, operation buttons including “1” to “9” and “0” buttons are displayed. When the customer operation display unit 11 displays the password input screen, the customer presses the displayed operation button and inputs the password. When the customer inputs the personal identification number, the control unit 22 transmits the personal identification number together with the account number read from the card to the host computer 3 via the communication control unit 21.

The host computer 3 retrieves the customer database 4 based on the received account information such as the account number of the customer, extracts the code number, and compares it with the received code number to verify whether or not they match, that is, identity authentication. I do. The host computer 3 transmits the result to the automatic transaction apparatus 1 through the communication unit.
The personal authentication is not limited to using a personal identification number, and may be personal authentication using biometric authentication or the like.

  S4a: As a result of the identity authentication, if the identity can be confirmed, the point processing unit 221 of the automatic transaction apparatus 1 creates a request message for acquiring point information including account information such as the customer's account number and sends it to the host computer 3 Send. The host computer 3 searches the customer database 4 based on the received account information such as the account number of the customer, extracts customer information including accumulated points acquired by the customer, and returns the customer information to the automatic transaction apparatus 1.

S5a: The point processing unit 221 of the automatic transaction apparatus 1 stores the customer information including the accumulated points acquired by the received customer in the storage unit 20, and then the customer receives the name of the bank account for transfer, the name of the bank for transfer, and the bank transfer Information necessary for transactions such as an account number is input from the customer operation display unit 11.
S6a: When the customer operation display unit 11 receives input of information necessary for the transaction, the point processing unit 221 determines whether the transaction selected by the customer can receive a service using the points. Here, the condition for determining that the service using the points can be received is, for example, a case where a fee is generated for the selected transaction and the accumulated points acquired by the customer are 5 points or more. .

In the above-described determination, when it is determined that the service using the points cannot be received, the process proceeds to S10a.
S7a: On the other hand, when it is determined that the service using the points can be received, the customer operation display unit 11 displays the transaction content confirmation screen 41 shown in FIG.

  This transaction content confirmation screen 41 includes a statement such as “Please confirm the content”, the transaction details 42 such as the name of the financial institution to which the transfer was made, the branch name of the transfer destination, the account number of the transfer destination and the fee entered in S5a, The point is 30P. The usage fee will be free when you use 30P "and the point usage confirmation 43 such as" Use Point "button 44," Do Not Use Point "button 45," Confirm "button 46, a “cancel” button 47, and the like.

Here, the transaction contents 42 indicate that the fee is 315 yen, and the point use confirmation 43 indicates that the accumulated points of the customer are 30 points according to the phrase “Available points are 30 points”. It is displayed that it is possible to receive a service in which the fee is free by using the accumulated points according to the wording “The fee will be free when you use 30P”.

When the points can be used in this way, the “use points” button 44 and the “do not use points” button 45 are displayed, and the customer can select whether or not to receive the service by the points. Prompt.
S8a: The customer confirms the content of the transaction content confirmation screen 41. When using the accumulated points, the customer presses and selects the “use points” button 44, and then presses the “confirm” button 46.

On the other hand, when a point is not used, a “do not use point” button 45 is pressed and selected, and then a “confirm” button 46 is pressed. In this case, the process proceeds to S10a.
S9a: Upon detecting the pressing of the “use points” button 44 and the “confirm” button 46, the customer operation display unit 11 displays the point number input screen 51 shown in FIG. This point number input screen 51 includes a statement such as “please check the contents”, transaction contents 52 such as the name of the financial institution to be transferred, the name of the bank to be transferred, the account number of the bank to be transferred, and a fee entered in S5a. Please enter the number of points. ”Point input 53 comprising the numeric buttons“ 1 ”to“ 9 ”and“ 0 ”for inputting the number of points to be used and the area 54 for displaying the number of points input. , “Confirm” button 55, “Cancel” button 56, and the like.

When the customer presses the number buttons “1” to “9” and “0” and inputs the points to be used, the input points are displayed in the area 54 for displaying the number of points. For example, when “3” and “0” are input by the customer, “30P” is displayed in the area 54 that displays the number of input points.
After inputting the points to be used, the customer presses the “confirm” button 55. When the pressing of the “confirm” button 55 is accepted, the point processing unit 221 subtracts the input point number from the accumulated points acquired by the customer stored in the storage unit 20. In the present embodiment, as a result of subtracting 30 points to be used from 30 points acquired by the customer, the accumulated points acquired by the customer become 0 points.

  S10a: The point processing unit 221 generates a transaction message according to the transaction content selected and input by the customer, and transmits it to the host computer 3. For example, when receiving a service using points, the transaction message is composed of a transfer amount, a transfer destination financial institution, a transfer destination branch, a transfer destination account number, etc., and information for reducing the fee. If the service using the points is not received, the transaction message is composed of the transfer amount, the transfer destination financial institution, the transfer destination branch, the transfer destination account number, etc., and information indicating that the fee is not reduced.

The host computer 3 executes transaction processing according to the received transaction message, and transmits the result to the automatic transaction apparatus 1. If the transaction is not successful, the card is returned to the customer and the transaction is terminated.
S11a: On the other hand, when the transaction is established, the customer operation display unit 11 displays a statement slip print selection screen 61 shown in FIG. 6 according to an instruction from the point processing unit 221. This statement slip print selection screen 61 has a statement such as “please confirm the contents”, the transaction details 62 such as the name of the financial institution to be transferred, the name of the bank to be transferred, the account number of the bank to be transferred and the fee entered in S5a, "Button 63," no statement slip printing unnecessary "button 64, and the like.

S12a: The customer operation display unit 11 waits for the customer to press the “detail slip print” button 63 or the “detail slip print unnecessary” button 64.
S <b> 13 a: When the customer operation display unit 11 detects that the “detail slip printing unnecessary” button 64 is pressed, the point processing unit 221 adds a predetermined point to the accumulated points acquired by the customer stored in the storage unit 20. For example, when the accumulated points acquired by the customer stored in the storage unit 20 are 0, the accumulated points are 5 if the points acquired in the current transaction are 5 points.

It should be noted that the detailed slip printed with the transaction details is not issued to the customer.
S14a: On the other hand, when the customer operation display unit 11 detects the pressing of the “detailed form print” button 63, the detailed form print unit 14 prints the contents of the transaction performed by the customer on the detailed form. At this time, the accumulated points are not updated.
S15a: When the customer presses the “detail slip print” button 63 or the “detail slip print unnecessary” button 64, the point processing unit 221 stores the accumulated points stored in the storage unit 20 via the communication control unit 21 as the customer account number. To the host computer 3 together with the account information. The host computer 3 stores the accumulated points in the customer database 4 in association with the received account information such as the account number of the customer.

Further, the customer operation display unit 11 of the automatic transaction apparatus 1 displays a point guidance screen 71 shown in FIG. 7 according to an instruction from the point processing unit 221.
This point guide screen 71 has 30 points for the points you used today. The points you added today are 5 points. You can use them for the next 5 points. It is composed of The word “30 points used today” indicates the number of points used by the customer in this transaction, and the number of points newly added in this transaction with the word “5 points added today”. And the cumulative number of points acquired by the customer in the wording “You can use 5P next time”.

  If the customer does not use the point service in this transaction, the word “30 points used today” is not displayed. Similarly, when the customer prints a statement slip in this transaction, the word “5 points added today” is not displayed. In addition, when the accumulated points acquired by the customer updated in S13a is 0, a message such as “There are no points available for next time” is displayed instead of the word “You can use 5P next time”. And

When the customer confirms the point status, the customer presses a “confirm” button 73.
S16a: When the customer operation display unit 11 detects the pressing of the “confirm” button 73, the card unit 11 ejects the card inserted by the instruction of the control unit 22 from the card insertion return port 13 and returns it to the customer.
S17a: In S12a, when the “no statement slip printing unnecessary” button 64 is pressed, the transaction is terminated.

S18a: On the other hand, in S12a, when the “detailed slip print” button 63 is pressed, the printed detailed slip is discharged from the detailed slip discharge port 15 and issued to the customer, and the transaction is terminated.
In this way, the customer makes a transaction in the automatic transaction apparatus 1.
In the present embodiment, it has been described that 5 points are added to the accumulated points each time “specification printing unnecessary” is selected, but the present invention is not limited to 5 points, and any point can be used. is there.

Moreover, although the transfer fee is described as 315 yen, it is not limited to 315 yen. Furthermore, the transaction in which the fee is generated is not limited to the transfer transaction, and may be a transaction such as cash withdrawal.
Furthermore, although there is no particular description about the case of canceling the transaction in the middle of the above-described transaction, a cancel button or the like may be displayed as appropriate, and the transaction may be canceled by selecting it. In this case, the inserted card is returned to the customer and the transaction is terminated.

  As described above, in the first embodiment, points are given to customers who have made transactions that do not require the printing and issuing of statement slips, and the fees for transactions are reduced by using those points. Thus, it is possible to improve the service to the customer, and to obtain an effect that the profit generated by the financial institution or the like reducing the expense for issuing the statement slip can be returned to the customer.

Moreover, the effect that the utilization factor of an automatic transaction apparatus can also be improved by improving the service with respect to a customer is acquired.

Next, a second embodiment will be described.
Since the configuration of the second embodiment is the same as that of the first embodiment, the same reference numerals are given and description thereof is omitted.

The operation of the second embodiment will be described.
The operation of each unit described below is controlled by a control unit such as a central processing unit (not shown) based on a program (software) stored in a storage unit such as a memory or a magnetic disk (not shown).
FIG. 8 is a flowchart showing the flow of transactions in the second embodiment, which will be described in accordance with steps represented by S in the figure.

  First, when the proximity sensor of the automatic transaction apparatus 1 (not shown) detects the approach of a customer, the customer operation display unit 11 of the automatic transaction apparatus 1 displays a transaction selection screen 91 shown in FIG. This transaction selection screen 91 has a wording such as “Please come. Please select a transaction.” And “Draw out” button, “Transfer” button, “Point inquiry” button 92, “Deposit” button, “Balance” It consists of transaction selection buttons such as an “inquiry” button.

S1b: When the transaction selection screen is displayed on the customer operation display unit 11, the customer presses a transaction selection button corresponding to the desired transaction. In this embodiment, it is assumed that the “point inquiry” button 92 is pressed by the customer.
S2b to S4b: Since they are the same as S2a to S4a in FIG.
S5b: The point processing unit 221 of the automatic transaction apparatus 1 stores the customer information including the accumulated points acquired by the received customer in the storage unit 20. Next, the customer operation display unit 11 performs an operation shown in FIG. The point inquiry screen 101 shown in FIG. This point inquiry screen 101 has information 102 of accumulated points consisting of words such as “Available points are 30P (reduction by 315 yen fee)”, “Draw out” button 103, “Transfer” button 104, A “balance inquiry” button 105, a “confirmation” button 106, and the like are included.

The message “Available points are 30P” indicates that the accumulated points of the customer is 30 points, and the fee is reduced by 315 yen at the available points by the wording of “(Fee reduced by 315 yen)”. That you can receive the service.
S6b: When the customer continues the transaction, the customer selects the transaction by pressing the “withdrawal” button 103, the “transfer” button 104, the “balance inquiry” button 105, or the like. In this embodiment, a description will be given assuming that the “transfer” button 104 is pressed.

On the other hand, when the transaction is not performed, the “confirmation” button 106 is pressed to end the point inquiry. At this time, the card unit 12 returns the inserted card to the customer and ends the transaction.
S7b: When the “transfer” button 104 is pressed by the customer and the transfer transaction is selected, the customer displays information necessary for the transaction such as the name of the transfer destination financial institution, the transfer destination branch name, the transfer destination account number, etc. 11 is input.

S8b to S20b: Since they are the same as S6a to S18a in FIG.
In this way, the customer makes a transaction in the automatic transaction apparatus 1.
In the present embodiment, it has been described that 5 points are added to the accumulated points each time “specification printing unnecessary” is selected, but the present invention is not limited to 5 points, and any point can be used. is there.

Moreover, although the transfer fee is described as 315 yen, it is not limited to 315 yen. Furthermore, the transaction in which the fee is generated is not limited to the transfer transaction, and may be a transaction such as cash withdrawal.
Furthermore, although there is no particular description about the case of canceling the transaction in the middle of the above-described transaction, a cancel button or the like may be displayed as appropriate, and the transaction may be canceled by selecting it. In this case, the inserted card is returned to the customer and the transaction is terminated.

As described above, in the second embodiment, in addition to the effects of the first embodiment, by providing a point inquiry transaction, it is possible to confirm the points acquired before performing the transaction desired by the customer. An effect is obtained.

Next, a third embodiment will be described.

Since the configuration of the third embodiment is the same as that of the first embodiment, the same reference numerals are given and description thereof is omitted.
The operation of the third embodiment will be described.
The operation of each unit described below is controlled by a control unit such as a central processing unit (not shown) based on a program (software) stored in a storage unit such as a memory or a magnetic disk (not shown).

FIG. 11 is a flowchart showing the flow of transactions in the third embodiment, which will be described in accordance with steps represented by S in the figure.
First, when a customer approach is detected by a proximity sensor of the automatic transaction apparatus 1 (not shown), the customer operation display unit 11 of the automatic transaction apparatus 1 displays a transaction selection screen 1201 shown in FIG. This transaction selection screen 1201 includes a statement such as “Come on. Please select a transaction” and “Drawout” button, “Transfer” button, “Point Service” button 1202, “Deposit” button, “Balance” It consists of transaction selection buttons such as an “inquiry” button.

S1c: When the transaction selection screen is displayed on the customer operation display unit 11, the customer presses a transaction selection button corresponding to the desired transaction. In this embodiment, it is assumed that the “point service” button 1202 is pressed by the customer.
S2c to S4c: Since they are the same as S2a to S4a in FIG.
S5c: The point processing unit 221 of the automatic transaction apparatus 1 stores the customer information including the accumulated points acquired by the received customer in the storage unit 20.

  Next, when the transaction using the accumulated points acquired by the customer is possible, the customer operation display unit 11 displays a point service screen 1301 shown in FIG. 13 according to an instruction from the point processing unit 221. This point service screen 1301 has 30 points of available points. (Cost of 315 yen reduction) Please select a transaction to use points. Cumulative point information 1302 consisting of words such as “ The button includes a “draw” button 1303, a “transfer” button 1304, a “balance inquiry” button 1305, a “deposit” button 1306, a “cancel” button 1307, and the like.

  The message “Available points are 30P” indicates that the accumulated points of the customer is 30 points, and the fee is reduced by 315 yen at the available points by the wording of “(Fee reduced by 315 yen)”. That you can receive the service. Further, the customer is prompted to select a transaction by the phrase “Please select the transaction that uses the points.”

  On the other hand, when the transaction using the accumulated points acquired by the customer is impossible, the customer operation display unit 11 displays a point service screen 1401 shown in FIG. 14 according to an instruction from the point processing unit 221. This point service screen 1401 shows that the accumulated points information 1402 “Use points is available points is 30P. (Decrease by 315 yen fee) There are no transactions that can currently use points.” Please select a transaction if you want to continue without a transaction. ”Customer guidance 1403 consisting of words such as“ Draw ”button 1303,“ Transfer ”button 1304,“ Balance inquiry ”button 1305,“ O This includes a “deposit” button 1306, a “cancel” button 1407, and the like.

  The message “Available points are 30P” indicates that the accumulated points of the customer is 30 points, and the fee is reduced by 315 yen at the available points by the wording of “(Fee reduced by 315 yen)”. That you can receive the service. In addition, the phrase “There are no transactions that can use points at this time” informs the customer that there are no transactions that can use points, and “If you want to continue trading without using points, select a transaction. Please guide the customer to select a transaction that can be done without using points.

  Here, it is determined whether or not the transaction using the accumulated points acquired by the customer is possible. The accumulated points acquired by the customer are compared with the fees required for the transaction performed by the automatic transaction apparatus 1, and the fees are charged by the accumulated points. It is assumed that there is a transaction that can be performed. In addition, it is assumed that the fee required for the transaction performed by the automatic transaction apparatus 1 varies depending on the transaction content, the time period for performing the transaction, and the like.

S6c: When the customer continues the transaction, the customer selects the transaction by pressing the “withdrawal” button 1303, the “transfer” button 1304, the “balance inquiry” button 1305, the “deposit” button 1306, or the like. In this embodiment, a description will be given assuming that the “transfer” button 1304 is pressed.
On the other hand, when the transaction is not performed, the “cancel” button 1307 is pressed to end the point service transaction. At this time, the card unit 12 returns the inserted card to the customer and ends the transaction.

S7c: When the “transfer” button 1304 is pressed by the customer and the transfer transaction is selected, the customer displays information necessary for the transaction such as the name of the transfer destination financial institution, the transfer destination branch name, and the transfer destination account number. 11 is input.
S8c: It is determined whether or not a transaction using the accumulated points acquired by the customer is possible. This determination is the same as the determination performed in S5c.

  S9a: When it is determined that the transaction using the accumulated points acquired by the customer is possible, the customer operation display unit 11 detects the pressing of the “use points” button 44 and the “confirm” button 46, and the customer operation display unit 11 performs the point processing unit 221. The point number input screen 51 shown in FIG. This point number input screen 51 includes a statement such as “please check the contents”, transaction contents 52 such as the name of the financial institution to be transferred, the name of the bank to be transferred, the account number of the bank to be transferred, and a fee entered in S5a. Please enter the number of points. ”Point input 53 comprising the numeric buttons“ 1 ”to“ 9 ”and“ 0 ”for inputting the number of points to be used and the area 54 for displaying the number of points input. , “Confirm” button 55, “Cancel” button 56, and the like.

When the customer presses the number buttons “1” to “9” and “0” and inputs the points to be used, the input points are displayed in the area 54 for displaying the number of points. For example, when “3” and “0” are input by the customer, “30P” is displayed in the area 54 that displays the number of input points.
After inputting the points to be used, the customer presses the “confirm” button 55. When the pressing of the “confirm” button 55 is accepted, the point processing unit 221 subtracts the input point number from the accumulated points acquired by the customer stored in the storage unit 20. In the present embodiment, as a result of subtracting 30 points to be used from 30 points acquired by the customer, the accumulated points acquired by the customer become 0 points.

On the other hand, if it is determined that the transaction using the accumulated points acquired by the customer is impossible, the process proceeds to S10c.
S10c: The point processing unit 221 generates a transaction message according to the transaction content selected and input by the customer, and transmits it to the host computer 3. For example, when receiving a service using points, the transaction message is composed of a transfer amount, a transfer destination financial institution, a transfer destination branch, a transfer destination account number, etc., and information for reducing the fee. In the case where the service using the points is not received, the transaction message is composed of a transfer amount, a transfer destination financial institution, a transfer destination branch, a transfer destination account number, etc., and information indicating that the fee is not reduced.

The host computer 3 executes transaction processing according to the received transaction message, and transmits the result to the automatic transaction apparatus 1. If the transaction is not successful, the card is returned to the customer and the transaction is terminated.
S11c to S18c: The same as S11a to S18a in FIG.
In this way, the customer makes a transaction in the automatic transaction apparatus 1.

In the present embodiment, it has been described that 5 points are added to the accumulated points each time “specification printing unnecessary” is selected, but the present invention is not limited to 5 points, and any point can be used. is there.
Moreover, although the transfer fee is described as 315 yen, it is not limited to 315 yen. Furthermore, the transaction in which the fee is generated is not limited to the transfer transaction, and may be a transaction such as cash withdrawal.

Furthermore, although there is no particular description about the case of canceling the transaction in the middle of the above-described transaction, a cancel button or the like may be displayed as appropriate, and the transaction may be canceled by selecting it. In this case, the inserted card is returned to the customer and the transaction is terminated.
As described above, in the third embodiment, in addition to the effects of the first embodiment, by providing a point service transaction, it is possible to confirm the points acquired before performing the transaction desired by the customer. An effect is obtained.

The block diagram which shows the structure of the automatic transaction system in a 1st Example. The block diagram which shows the structure of the automatic transaction apparatus in a 1st Example. The flowchart which shows the flow of the transaction in a 1st Example. Explanatory drawing of the transaction content confirmation screen in the first embodiment Explanatory drawing of the point number input screen in the first embodiment Explanatory drawing of the transaction content confirmation screen in the first embodiment Explanatory drawing of the point guidance screen in the first embodiment Flowchart showing the flow of transactions in the second embodiment Explanatory drawing of the transaction selection screen in 2nd Example Explanatory drawing of the point inquiry screen in the second embodiment Flowchart showing the flow of transactions in the third embodiment Explanatory drawing of the transaction selection screen in 2nd Example Explanatory drawing of the point service screen in the third embodiment Explanatory drawing of the point service screen in the third embodiment

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Automatic transaction apparatus 2 Communication line 3 Host computer 4 Customer database 11 Customer operation display part 12 Card part 13 Card insertion return slot 14 Detail slip printing part 15 Detail slip discharge port 16 Cash part 17 Deposit / withdrawal port 18 Passbook part 19 Passbook insertion return Mouth 20 Storage unit 21 Communication control unit 22 Control unit 221 Point processing unit

Claims (1)

In an automatic transaction apparatus that accepts transaction information input by a customer's operation at the customer operation display unit and sends a transaction message requesting a transaction based on the transaction information to the host device to perform the transaction,
Receive cumulative points stored in advance in association with the account information such as the account number read from the customer's card from the host device,
When the necessity for reducing the transaction fee is selected on the fee reduction necessity selection screen for selecting whether or not to reduce the fee for the transaction performed by the customer's operation, the transaction selected by the customer from the accumulated points received from the host device is selected. Subtract the points corresponding to the fee reduction, send a message notifying the accumulated points after the subtraction and a transaction message containing information to reduce the transaction fee to the host device,
When the necessity of the statement slip is selected on the statement slip necessity selection screen for selecting the necessity of the statement slip printed on the contents of the transaction performed by the customer's operation, a predetermined point is added to the accumulated points, and after the addition Provide a point processing unit that sends a message to notify the accumulated points to the host device,
After performing a transaction where the transaction fee reduction requirement is selected and the statement sheet is not required, the cumulative number of points that can be used next time is displayed on the customer operation display section along with the newly added points. An automatic transaction device characterized.