JP5075514B2 - Automatic transaction processing device, host device, and transaction processing system - Google Patents

Description

  The present invention relates to an automatic transaction processing device, a host device, and a transaction processing system for processing various transactions such as a deposit transaction, a withdrawal transaction, a balance inquiry transaction, and a transfer transaction for an account established in a financial institution such as a bank. .

  Conventionally, a financial institution such as a bank is a transaction processing system in which a plurality of automatic transaction processing devices (so-called ATMs) are connected to a host device via a data communication line, and a deposit transaction and a withdrawal transaction for an established account. It handles various transactions such as balance inquiry transactions and transfer transactions. A user performs a transaction for an account with an automatic transaction processing apparatus. The host device manages the opened account. Automatic transaction processing apparatuses are installed in financial institution stores and convenience stores. The host device is installed in the center. In the automatic transaction processing apparatus, operation guidance is output to the user so that the user can perform an operation related to the transaction without being confused. In short, every time a user operation is accepted, a guidance for guiding the next operation or the like is output.

Moreover, changing the operation guidance to output according to a user is proposed by patent documents 1-3. Patent Documents 1 to 3 change the operation guidance to be output according to the operation ability of the user, thereby preventing the user who is making a transaction from waiting or panicking. For example, Patent Document 1 has a configuration in which a correspondence level indicating a user's operation proficiency level is recorded in a cash card, and operation guidance corresponding to the correspondence level read from the cash card at the start of the transaction is output. At the end of the transaction, the user's response level is determined based on the user's input operation in the current transaction, and the response level recorded on the cash card is updated. Patent Document 2 is configured to determine whether or not the user is a weak person based on information input from the user at the start of the transaction, and to slow down the operation guidance output speed if the user is a weak person. Further, Patent Document 3 is configured to record user usage information on a cash card and to determine operation guidance for the user based on the usage information.
JP-A-2-32464 JP 7-334729 A JP-A-8-30839

  However, there are cases where a single user divides a transaction that can be collectively performed at one time by an automatic transaction processing apparatus into a plurality of transactions, and performs these transactions continuously. The main reason why transactions that can be collectively performed by a user are divided into a plurality of transactions and continuously performed is that the user does not know that the transactions can be performed collectively by an automatic transaction processing apparatus. For example, if the user mistakenly recognizes that the maximum amount that can be withdrawn in a withdrawal transaction using an automatic transaction processing apparatus is 1 million yen but 500,000 yen, the user When making a yen withdrawal, a withdrawal transaction with a withdrawal amount of 500,000 yen is performed twice in succession. In addition, a user who does not know that an account transfer transaction can be performed by the automatic transaction processing device, which transfers the amount specified from the A account to the B account, is a withdrawal transaction for withdrawing the specified amount from the A account, and this withdrawal Two transactions, the deposit transaction of depositing the money withdrawn in the transaction into the B account, are continuously performed. In addition, in balance inquiry transactions, users who do not know that they can continue withdrawing transactions after the balance inquiry can first conduct a passbook entry transaction to check the balance, and then conduct a withdrawal transaction after checking the balance. is there.

  In this way, when transactions that can be collectively performed by the user are divided into a plurality of transactions and performed continuously, the time for which the user occupies the automatic transaction processing device is longer than that performed collectively at a time. Become. For this reason, there is a problem that the substantial operating rate of the automatic transaction processing apparatus is lowered, and there is a problem that the waiting time of other users becomes longer and the service is lowered. In addition, for a user who is divided into a plurality of transactions and is performing continuously, the number of input operations until all transactions are completed increases, and the fees for transactions may increase.

  Since the object of the present invention is not to know that it is a transaction that can be collectively performed at a time, by dividing the transaction into a plurality of transactions and continuously reducing the occupation time of the user, An object of the present invention is to provide an automatic transaction processing device, a host device, and a transaction processing system that suppress a decrease in service and a substantial decrease in operating rate.

  The transaction processing system according to the present invention is configured as follows in order to solve the above-described problems and achieve the object.

  The host device and the automatic transaction processing device are connected by a data communication line. The host device is installed at the center, and the automatic transaction processing device is installed at a store of a financial institution, a convenience store, or the like.

  In the automatic transaction processing apparatus, the first communication means transmits a transaction authentication request including the transaction data received by the transaction data reception means to the host device connected by the data communication line, and an authentication result for the authentication request. Is received from the host device. On the other hand, in the host device, the authentication means authenticates whether or not the transaction is possible in response to the transaction authentication request transmitted from the automatic transaction processing apparatus, and the second communication means authenticates the authentication result of the transaction in the authentication means this time. Notify the automatic transaction processing apparatus that has sent the request. In the automatic transaction processing device, the transaction processing unit processes a transaction related to the transaction data received by the transaction data receiving unit based on the authentication result received from the host device by the first communication unit.

  Further, in the host device, the determination means determines whether or not the same user continuously performs transactions in the automatic transaction processing device that has transmitted the authentication request this time, and the same user continuously performs transactions. When the transaction is performed, the transaction that can be performed by the user at once is divided into a plurality of transactions, and it is determined whether or not each transaction is performed continuously. Then, when it is determined that the transactions that can be collectively performed by the user are divided into a plurality of transactions and each transaction is performed continuously, the fact is notified to the automatic transaction processing device together with the authentication result of the authentication means. To do.

  Further, in the automatic transaction apparatus, the output means is notified from the host device that the transaction that can be performed by the same user at a time is divided into a plurality of transactions together with the authentication result, and each transaction is performed continuously. In the case where the transaction is performed, a notification for notifying that the transactions that are continuously performed can be performed at once is output.

  Therefore, without knowing that it is a transaction that can be performed all at once with an automatic transaction processing device, this transaction is continuously performed for users who have been divided into multiple transactions in succession. It is possible to inform that the transaction can be performed at once by the automatic transaction processing device. Thereby, it is possible to suppress the transactions that can be collectively performed by the user at the same time using the automatic transaction processing apparatus by dividing the transactions into a plurality of transactions. That is, the occupation time of the automatic transaction processing apparatus by one user can be shortened, and a decrease in service to the user and a substantial decrease in operating rate can be suppressed.

  In the host device, when the determination unit divides the transactions that can be collectively performed by the user into a plurality of transactions and determines that each transaction is performed continuously, If the total amount of fees for transactions is larger than the amount of fees for transactions that combine these transactions at once, the difference will be refunded to the corresponding account. Service improvement.

The automatic transaction processing device and the host device according to the present invention are applied to the transaction processing system.

  Furthermore, it is good also as a structure which a user divides | segments the transaction which can be collectively put into several transactions, and determines whether it is performing each transaction continuously with an automatic transaction processing apparatus instead of a host apparatus.

  According to this invention, the occupation time of the automatic transaction processing apparatus by one user can be shortened, and the fall of the service with respect to a user and the fall of a substantial operation rate are suppressed.

  Hereinafter, a transaction processing system according to an embodiment of the present invention will be described.

  FIG. 1 is a diagram showing a transaction processing system according to an embodiment of the present invention. This transaction processing system includes a plurality of automatic transaction processing devices 1 and a host device 2. This transaction processing system processes various transactions such as a deposit transaction, a withdrawal transaction, a balance inquiry transaction, and a transfer transaction for an account established in a financial institution such as a bank. The automatic transaction processing apparatus 1 is installed in a financial institution store, a convenience store, or the like. Each automatic transaction processing apparatus 1 is connected to the host apparatus 2 via a dedicated line or the like. The host device 2 manages the opened account. A user can operate the automatic transaction processing apparatus 1 to perform various transactions for the opened account.

  FIG. 2 is a diagram showing a configuration of a main part of the automatic transaction processing apparatus. The automatic transaction processing apparatus 1 includes a control unit 11, a card processing unit 12, a bankbook processing unit 13, a banknote processing unit 14, a coin processing unit 15, an operation unit 16, a display unit 17, and a communication unit 18. The statement slip processing unit 19 is provided. The control unit 11 controls the operation of each part of the automatic transaction processing apparatus 1. The card processing unit 12 receives a cash card inserted into a card insertion slot provided on the front surface of the main body, and reads card information recorded on the cash card and writes card information. In the cash card, an account number or the like is recorded as card information. Moreover, the card processing unit 12 discharges the accepted cash card to the card insertion slot and returns it to the user at the end of the transaction. The passbook processing unit 13 accepts a passbook inserted at a passbook insertion port provided on the front surface of the main body, and prints unprinted transaction contents on the passbook. The passbook processing unit 13 can read and write passbook information such as an account number recorded on a magnetic stripe attached to the passbook. Moreover, the bankbook process part 13 discharge | releases the accepted bankbook to a bankbook insertion port at the time of completion | finish of transaction, and returns it to a user. The statement slip processing unit 19 issues a statement slip on which transaction details are printed at the end of the transaction when the passbook is not used in the transaction. This statement slip is discharged to a statement slip issuing port provided on the front surface of the main body.

  The banknote processing unit 14 conveys a deposited banknote and a withdrawal banknote between a banknote deposit / withdrawal port provided on the front face of the main body and a denomination type banknote cartridge provided for each denomination inside the main body. Moreover, the banknote process part 14 is provided with the banknote discrimination part which discriminate | determines the money type and authenticity of the deposit banknote and withdrawal banknote which are conveying. The coin processing unit 15 conveys deposited coins and withdrawal coins between a coin deposit / withdrawal port provided on the front surface of the main body and a denomination type coin cartridge provided for each denomination inside the main body. Moreover, the coin processing part 15 has a coin discrimination which discriminates the money type and authenticity of the deposit coin and withdrawal coin which are conveyed. The operation unit 16 receives an input operation by a user. The display unit 17 displays operation guidance and the like for the user. The operation unit 16 has a touch panel provided on the display screen of the display unit 17. The communication unit 18 controls communication with the host device 2 installed in the center.

FIG. 3 is a diagram illustrating a configuration of a main part of the host device. The host device 2 includes a control unit 21, a database unit 22 (hereinafter referred to as a DB unit 22), and a communication unit 23. The control unit 21 controls the operation of each part of the host device 2 main body. The DB unit 22 stores a transaction history file 25, an account information file 26, an inter-account association file 27, and the like. The transaction history file 25 is a file in which the contents of transactions performed in the past are registered cumulatively. The account information file 26 is a file in which information necessary for managing the account (a personal identification number, an account balance, an address of a user who is an account opener, a name, etc.) is registered for each account. The inter-account association file 27 is a file that associates accounts that may be traded by the same user. Specifically, for each account, another account opened by the user who opened the account, This is a file in which the user's family account and the like are associated and registered. In addition to the transaction history file 25, the account information file 26, and the inter-account association file 27, the DB unit 22 stores files necessary for account management. The communication unit 23 controls communication with the automatic transaction processing apparatus 1.

  Next, the operation of this transaction processing system will be described. FIG. 4 is a flowchart showing the operation of the automatic transaction processing apparatus, and FIG. 5 is a flowchart showing the operation of the host apparatus. The automatic transaction processing apparatus 1 is waiting for the user to select the type of transaction to be performed (s1). The types of transactions that can be selected include deposit transactions, withdrawal transactions, balance inquiry transactions, transfer transactions, and transfer transactions. When the transaction type is selected by the user, the automatic transaction processing apparatus 1 accepts a medium (cash card, passbook, etc.) necessary for processing the transaction selected this time, and necessary transaction data (password). , Deposit amount, withdrawal amount, etc.) are received (s2, s3). The automatic transaction processing apparatus 1 includes medium information (card information and passbook information) read from a medium such as a cash card or a passbook accepted in s2, input information input at the operation unit 16, and identification information for identifying the own apparatus. A transaction authentication request is created (s4), and the created authentication request is transmitted to the host device 2 (s5).

  When the host device 2 receives the transaction authentication request transmitted from the automatic transaction processing device 1 (s21), the host device 2 authenticates whether or not the transaction is possible for the authentication request transaction received this time (s22). In s22, whether or not the transaction is possible is authenticated using the password number and account balance of the corresponding account registered in the account information file 26. If the authentication result indicates that the transaction is not possible, the host device 2 notifies the automatic transaction processing device 1 that has transmitted the authentication request this time (s23, s24), and returns to s21.

  Further, if the authentication result in s22 is transactable, the host device 2 reads out transaction information related to the transaction previously performed by the automatic transaction processing apparatus 1 that has transmitted the authentication request this time from the transaction history file 25 (s25). ). Based on the transaction data included in the current authentication request and the transaction information read in s25, the host device 2 uses the user performing the current transaction, the user performing the previous transaction, Are determined to be the same user (s26). In s26, from the transaction data included in the current authentication request, the account for processing this transaction and the account for processing the transaction data read in s25 are the same or correspond to the inter-account association file 27 If it is a registered account, it is determined that the users performing these two transactions are the same, and if not, the users performing these two transactions are determined not to be the same. To do. If the host device 2 determines that it is not the same user in s26, it notifies the automatic transaction processing device 1 that has transmitted the authentication request this time to the automatic transaction processing device 1 that has transmitted the authentication request (s27), and returns to s21.

  If the host device 2 determines that they are the same user in s26, the host device 2 determines whether or not the previous transaction and the current transaction are combined into one (s28). For example, the previous transaction is a 500,000 yen withdrawal transaction for the A account, and this transaction is also a 500,000 yen withdrawal transaction for the A account. When the amount is 1 million yen, it is determined that the previous transaction and the current transaction are combined into a 1 million yen withdrawal transaction from the A account. In addition, the A account and the B account are associated with each other in the inter-account association file 27, and the previous transaction is a withdrawal transaction in which the amount specified from the A account is withdrawn. When the transaction is a deposit transaction in which the amount withdrawn from the account is deposited into the B account, it is determined that the transfer transaction from the A account to the B account is summarized. Further, when the previous transaction is a passbook entry transaction for the A account and the current transaction is a withdrawal transaction for the A account, it is determined that the balance transaction is combined into one. In the balance inquiry transaction, the withdrawal transaction can be continued after the balance inquiry. On the other hand, the previous transaction is a 1,000,000 yen withdrawal transaction for the A account, and this transaction is also a 500,000 yen withdrawal transaction for the A account. When the amount is 1 million yen, it is determined that the transaction cannot be combined into one. Further, even if the A account and the B account are associated with each other in the inter-account association file 27, the previous transaction is a withdrawal transaction in which the amount specified from the A account is withdrawn. If it is a withdrawal transaction for withdrawing the specified amount from the account, it is determined that the transaction cannot be combined into one.

  If the host device 2 determines that the transaction cannot be combined into one in s28, the host device 2 notifies the authentication result that the transaction is permitted in s27 to the automatic transaction processing device 1 that has transmitted the authentication request this time, and returns to s21. On the other hand, if the host device 2 determines that the transactions are combined into one in s28, the host device 2 creates a guidance message to notify that (s29). In s29, it is the process which extracts the guidance message according to two transactions judged to be put together into one this time from the several message memorize | stored beforehand. The host device 2 notifies the automatic transaction processing device 1 that has transmitted the authentication request this time to the automatic transaction processing device 1 that has transmitted the authentication request this time (s30), and returns to s21. When the host device 2 notifies the automatic transaction processing device 1 of the authentication result, the host device 2 updates the transaction history file 25, the account information file 26, and the like of the DB unit 22 as necessary. For example, the transaction information determined to be transactionable this time is added to the transaction history file 25.

  When receiving the authentication result from the host device 2 (s6), the automatic transaction processing device 1 determines whether or not the transaction is possible (s7). If the transaction is impossible, the automatic transaction processing apparatus 1 displays that the current transaction cannot be performed on the display unit 17 (s8), releases the medium accepted in s2 (s9), and returns to s1. Further, if the authentication result can be traded from the host device 2, the automatic transaction processing device 1 notifies the user that the transactions that can be collectively performed are performed together with the authentication result. It is determined whether or not a guidance message (guidance message created by the host device 2 in s29) has been notified (s10). The automatic transaction processing device 1 displays this guidance message on the display unit 17 if a notification message is sent from the host device 2 together with the authentication result to notify that the transactions that can be collectively performed are performed separately. (S11).

  FIG. 6 is a diagram showing a guidance message displayed on the display unit in s11. Fig. 6 (A) shows a guidance message when the total withdrawal amount of withdrawal transactions performed continuously for the same account is less than the maximum withdrawal amount that can be withdrawn in one withdrawal transaction. Show. FIG. 6B shows a withdrawal transaction in which the previous transaction withdraws the amount specified from the A account, and this transaction is a deposit transaction in which the amount withdrawn from the A account is deposited into the B account. The guidance message when there is is shown. FIG. 6C shows a guidance message when a passbook entry transaction and a withdrawal transaction are continuously performed on the same account.

  This guidance message allows the user of the automatic transaction processing apparatus 1 to recognize that the transactions that can be performed at once are divided into a plurality of transactions. Therefore, since the user does not know that the transactions can be performed together, the occurrence of a situation in which the transactions are divided into a plurality of transactions and these transactions are continuously performed can be suppressed. As a result, the occupancy time of the automatic transaction processing apparatus by one user can be shortened, and a decrease in service to the user and a substantial decrease in operating rate can be suppressed.

  When the automatic transaction processing device 1 determines that the guidance message is not notified from the host device 2 in s10, or displays the guidance message notified from the host device 2 in s11 on the display unit 17, the automatic transaction processing device 1 In addition to processing (s12), the medium received in s2 is released (s13), and the process returns to s1. In s12, a withdrawal banknote and a withdrawal coin are discharged as necessary. In s13, the passbook accepted in s2 and the transaction contents are printed on the statement slip.

  In the above embodiment, the guidance message for notifying that transactions that can be performed at once are divided into a plurality of transactions is displayed on the display unit 17, but this guidance message is printed on the statement slip in s13. And may be issued. Further, this guidance message may be output by voice.

In the above embodiment, the host device 2 creates the guidance message. However, the guidance message is stored in the automatic transaction processing device 1 and is output from the host device 2 to the automatic transaction processing device 1 in s11. A configuration may be used in which an identification code of a message is indicated.

  Moreover, in the said embodiment, although the guidance message which notifies that the transaction which can be collectively carried out at once is divided into a plurality of transactions, it is only outputted and this is guided to the user, If the total amount of fees associated with each transaction performed is greater than the amount of fees associated with the transactions that are combined at a time, the difference may be refunded to the corresponding account. 7 and 8 are flowcharts showing operations of the automatic transaction processing apparatus and the host apparatus in the case of such a configuration. In FIG. 7, the same processes as those in FIG. 4 are denoted by the same step numbers. Further, in FIG. 8, the same steps as those in FIG.

  The automatic transaction processing apparatus 1 performs the process concerning s1-s10 similarly to embodiment mentioned above. When the host device 2 performs the processing related to s21 to s28 in the same manner as the above-described embodiment and determines that the transactions are combined into one in s28, the host device 2 performs each transaction continuously performed by the same user this time. It is determined whether or not the total amount of such fees is greater than the amount of fees associated with transactions that combine these transactions at one time (s31). When the host device 2 determines that the total amount of fees for each transaction that is continuously performed by the same user this time in s31 is equal to or less than the amount of fees for the transaction that summarizes these transactions at once, Similar to the above-described embodiment, the processing after s29 is performed.

  If the host device 2 determines that the total amount of fees for each transaction that is continuously performed by the same user this time in s31 is greater than the amount of fees for the transactions that combine these transactions at once, An inquiry message is generated to inquire whether or not the transaction that the same user is conducting continuously this time is corrected to one transaction (s32). In addition, the host device 2 creates a guidance message that guides that the transactions that are continuously performed by the same user this time are transactions that are combined into one (s33). s33 is the same processing as s29. The host device 2 notifies the automatic transaction processing device 1 that has transmitted the authentication request this time to the automatic transaction processing device 1 that has transmitted the authentication request (s34), with the authentication result indicating that the transaction is permitted, the inquiry message created in s32, and the guidance message created in s33. It waits for a response from the apparatus 1 (s35). In s35, it waits for a response to an inquiry as to whether or not the transaction that is continuously performed by the same user this time is modified to one transaction.

If the automatic transaction processing apparatus 1 is notified of the guidance message for notifying that the transaction that can be collectively performed in one is performed together with the authentication result from the host apparatus 2 in s10, the automatic transaction processing apparatus 1 continues with this guidance message this time. Then, it is determined whether or not an inquiry message for inquiring whether or not to modify the transaction being performed into one transaction is notified (s14). If the automatic transaction processing apparatus 1 determines that the inquiry message is not notified in s14, the automatic transaction processing apparatus 1 performs the processes after s11 described above. On the other hand, if it is determined that the inquiry message is notified, the inquiry message is displayed on the display unit 17 in addition to the guidance message (s15). Then, the user waits for a response input as to whether or not to correct the transaction (s16). Automatic transaction processing apparatus 1 by the user, if there is or not a response input to correct a single transaction, and notifies the response to the host device (s17), it performs processing after s12.

Furthermore, when the host device 2 receives the response of the user notified from the automatic transaction processing device 1, if the current response is to be corrected, the host device 2 performs correction processing (s36, s37), and returns to s21. . On the other hand, if the current response does not want to be corrected, the process returns to s21. In s37, in the transaction history file 25, the account information file 26, etc. of the DB unit 22, the contents updated by each transaction to be collected this time are deleted, and in accordance with the transaction summarized by the current correction, the DB unit 22 transaction history file 25, account information file 26, etc. are updated.

  As a result, for users who have paid an extra fee because they were divided into multiple transactions and these transactions were performed consecutively in order not to know that the transactions can be performed together. And refund the fee.

  Furthermore, in the said embodiment, in the host apparatus 2, although it was determined whether the same user divided the transaction put together into one and it is performing the transaction continuously, this determination is made to the automatic transaction processing apparatus 1. You may make it carry out. FIG. 9 is a flowchart showing the operation of the automatic transaction processing apparatus. In FIG. 9, the same processes as those in FIG. 4 are given the same step numbers. The automatic transaction processing device 1 executes the processes related to s1 to s9 in the same manner as the automatic transaction processing device 1 described above. If it is determined in s7 that the authentication result from the host device 2 is transactional, it is determined whether this user is the same as the user who performed the previous transaction (s41). In s41, when the previous transaction and the current transaction are performed on the same account, the biometric information (fingerprint, vein, etc.) of the user who accepted the input in the previous transaction and the current transaction is the same. Is the case where no user is detected on the front of the main body of the automatic transaction processing apparatus 1 between the completion of the previous transaction and the start of the current transaction.

  In addition, since the general automatic transaction processing apparatus 1 has a sensor that detects whether or not a user exists on the front of the main body, by using this sensor, the current transaction is completed from the completion of the previous transaction. It is possible to determine whether or not a state in which no user exists on the front of the main body of the automatic transaction processing apparatus 1 is detected before the start of the transaction.

  If it determines with the automatic transaction processing apparatus 1 being the same user by s41, it will determine whether the last transaction and this transaction are the transactions put together into one (s42). The processing related to s42 is the same as that of s28 described above. If the automatic transaction processing apparatus 1 determines that the transactions are combined into one in s42, the automatic transaction processing apparatus 1 creates a guidance message to notify that (s43). The processing related to s43 is the same as s29 described above. The automatic transaction processing apparatus 1 will perform the process after s11, if a guidance message is produced by s43. Moreover, when it determines with not being the same user by s41, or when it determines with it not being the transaction put together into one by s42, the automatic transaction processing apparatus 1 will perform the process after s12.

  Similarly to the above-described embodiment, this automatic transaction processing device 1 can also reduce the occupation time of the automatic transaction processing device by a single user, resulting in a decrease in service to users and a substantial decrease in operating rate. It can be suppressed.

  In the above description, the processing related to s41 to s43 is executed between s7 and s11 instead of s10. However, the processing related to s41 to s43 is performed before the start of s11. Any timing may be used.

It is a figure which shows the transaction processing system which is embodiment of this invention. It is a figure which shows the structure of the principal part of an automatic transaction processing apparatus. It is a figure which shows the structure of the principal part of a host apparatus. It is a flowchart which shows operation | movement of an automatic transaction processing apparatus. It is a flowchart which shows operation | movement of a host apparatus. It is a figure which shows the guidance message displayed on a display part. It is a flowchart which shows operation | movement of another automatic transaction processing apparatus. It is a flowchart which shows operation | movement of another host apparatus. It is a flowchart which shows operation | movement of another automatic transaction processing apparatus.

Explanation of symbols

1-automatic transaction processing device 2-host device 11-control unit 12-card processing unit 13-passbook processing unit 14-banknote processing unit 15-coin processing unit 16 operation unit 17-display unit 18-communication unit 21-control unit 22 -Database part (DB part)
23-Communication section 25-Transaction history file 26-Account information file 27-Inter-account association file

Claims (6)

Transaction data receiving means for receiving input of transaction data;
A communication unit that transmits a transaction authentication request including transaction data received by the transaction data reception unit to a host device connected via a data communication line, and a communication unit that receives an authentication result for the authentication request from the host device;
Transaction processing means for processing a transaction related to the transaction data received by the transaction data receiving means, based on the authentication result received by the communication means;
Along with the authentication result from the host device, transactions that can be performed by the same user at once are divided into a plurality of transactions, and when it is notified that each transaction is being performed continuously, it is performed continuously. An automatic transaction processing apparatus comprising: output means for outputting a guidance for notifying that transactions are transactions that can be performed at once. In response to a transaction authentication request transmitted from an automatic transaction processing apparatus connected via a data communication line, an authentication means for authenticating whether a transaction is possible,
A communication means for notifying the authentication result of the transaction in the authentication means to the automatic transaction processing apparatus that has transmitted the authentication request this time;
In the automatic transaction processing device that sent the authentication request this time, it is determined whether or not the same user conducts transactions continuously. A determination means for determining whether or not a transaction that can be performed by a person at once is divided into a plurality of transactions, and whether or not each transaction is performed continuously,
The communication means divides transactions that can be collectively performed by the user at a time into a plurality of transactions by the determination means, and if it is determined that each transaction is being performed continuously, the authentication means authenticates the fact. A host device that is a means for notifying with the result. A transaction processing system in which a host device and an automatic transaction processing device are connected by a data communication line,
The automatic transaction processing device
Transaction data receiving means for receiving input of transaction data;
A first communication means for transmitting a transaction authentication request including transaction data received by the transaction data receiving means to a host device connected by a data communication line and receiving an authentication result for the authentication request from the host device; ,
Transaction processing means for processing a transaction related to the transaction data received by the transaction data receiving means based on the authentication result received by the first communication means;
With
The host device is
In response to a transaction authentication request transmitted from an automatic transaction processing apparatus connected via a data communication line, an authentication means for authenticating whether a transaction is possible,
A second communication means for notifying the authentication result of the transaction in the authentication means to the automatic transaction processing apparatus that has transmitted the authentication request this time;
In the automatic transaction processing device that sent the authentication request this time, it is determined whether or not the same user conducts transactions continuously. A determination means for determining whether or not a transaction that can be performed by a person at once is divided into a plurality of transactions, and whether or not each transaction is performed continuously,
If the determination means determines that the second communication means divides the transactions that can be performed by the user at once into a plurality of transactions and that each transaction is being performed continuously, the authentication There is means to notify with the authentication result of means,
Furthermore, the automatic transaction processing device comprises:
Along with the authentication result from the host device, transactions that can be performed by the same user at once are divided into a plurality of transactions, and when it is notified that each transaction is being performed continuously, it is performed continuously. It is provided with an output means for outputting a guidance for notifying that transactions are transactions that can be performed at once.
Transaction processing system . The host device is
In the determination means, when it is determined that transactions that can be collectively performed by the user are divided into a plurality of transactions and each transaction is performed continuously, the total amount of fees for each transaction performed continuously However, if it is larger than the amount of fees for transactions that combine these transactions at once, the fee is refunded to the corresponding account.
The transaction processing system according to claim 3. The host device is
In the determination means, when it is determined that transactions that can be collectively performed by the user are divided into a plurality of transactions and each transaction is performed continuously, the total amount of fees for each transaction performed continuously However, if the transaction fee is larger than the amount of fees for transactions that are combined at one time, an inquiry is made to inquire of the automatic transaction processing device whether or not each transaction that has been performed continuously is corrected to a transaction that is combined at once. With means,
The fee refund means is means for refunding the difference to the corresponding account when an answer to the effect that the transaction is corrected to be collected at once is obtained from the automatic transaction processing device.
The transaction processing system according to claim 4. Transaction data receiving means for receiving input of transaction data;
A communication unit that transmits a transaction authentication request including transaction data received by the transaction data reception unit to a host device connected via a data communication line, and a communication unit that receives an authentication result for the authentication request from the host device;
On the basis of the authentication result received by the communication means, transaction processing means for processing a transaction related to the transaction data received by the transaction data receiving means,
Judge whether or not the same user conducts transactions consecutively, and if the same user conducts transactions continuously, transactions that can be collectively performed by this user at a time A determination means for determining whether or not each transaction is performed continuously;
When the determination means divides transactions that can be collectively performed by the same user at a time into a plurality of transactions and determines that each transaction is performed continuously, the transactions that are being performed continuously are collected at a time. And an output means for outputting a guidance for notifying that the transaction can be performed.

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