JP5199155B2 - Automatic transaction apparatus, automatic transaction system, and screen display method - Google Patents

Description

  The present invention relates to an automatic transaction apparatus that performs a financial transaction, an automatic transaction system, and a screen display method for the automatic transaction apparatus.

  2. Description of the Related Art Conventionally, automatic transaction machines (ATMs) that perform financial transactions such as deposit and withdrawal and transfer of money (banknotes and coins) have been installed in financial institution stores, retail stores, and public facilities.

  A transaction medium (cash card or bankbook) held by a customer is used for transaction processing at ATM. For example, a magnetic stripe is provided on the cash card or the bankbook, and the account number of the customer is recorded. The ATM can identify the account number of the transaction object by reading a magnetic stripe such as a cash card presented by the customer.

  In recent years, some cash cards and bankbooks have an IC (Integrated Circuit) chip (see, for example, Patent Documents 1, 2, 3, and 4). For example, customer account numbers and transaction histories are recorded in the storage unit on the IC chip. Thereby, the customer's account number can be specified by the information read from the IC chip instead of the magnetic stripe. Further, it is considered that information recorded on the magnetic stripe is restored with information recorded on the IC chip. Furthermore, it is considered that the transaction history can be viewed on a computer owned by the customer.

JP 2001-266221 A JP 2003-132228 A JP 2003-196621 A JP 2005-165916 A

  However, when making an inquiry about a balance or transaction history at an ATM, the customer needs to insert a cash card or the like into the ATM and perform an operation input for selecting a predetermined transaction. For this reason, there is a problem that it takes time and time to inquire information.

In addition, Internet banking users need an environment that connects to the Internet, such as a personal computer, when inquiring about balances and transaction histories. For this reason, in order to inquire about information such as balances and transaction details, it is necessary to connect to the Internet using a personal computer or the like, which is troublesome and takes time.
This invention is made | formed in view of such a point, and it aims at providing the automatic transaction apparatus, automatic transaction system, and screen display method which enable browsing of transaction information easily.

  In order to solve the above-described problems, an automatic transaction apparatus that performs a financial transaction is provided. This automatic transaction apparatus has a communication part and a display control part. A communication part reads the transaction information regarding the content of the financial transaction memorize | stored in the wireless tag with which a predetermined | prescribed transaction medium is provided by communication with a wireless tag. The display control unit determines whether or not communication by the communication unit is performed. When the display control unit determines that communication is not performed, the display control unit displays a predetermined normal transaction screen on the display unit and determines that communication is performed. A transaction information confirmation screen including transaction information read by the communication unit is displayed on the display unit.

  Moreover, in order to solve the said subject, the automatic transaction system which performs a financial transaction is provided. This automatic transaction system has a management device and an automatic transaction device. The management device includes a transaction history information storage unit that stores transaction history information in which the contents of a financial transaction for a customer account are recorded in association with customer information that identifies the customer account. The automatic transaction apparatus includes a communication unit, a transaction information update unit, and a display control unit. The communication unit reads transaction information and customer information related to the contents of the financial transaction stored in the wireless tag included in the predetermined transaction medium through communication with the wireless tag. The transaction information update unit obtains transaction history information stored in the transaction history information storage unit corresponding to the customer information based on the customer information read by the communication unit, and the transaction information read by the communication unit and the acquired transaction history information. Is stored in the wireless tag via the communication unit. The display control unit determines whether or not communication by the communication unit is performed. When the display control unit determines that communication is not performed, the display control unit displays a predetermined normal transaction screen on the display unit and determines that communication is performed. When the transaction information confirmation screen including the transaction information read by the communication unit is displayed on the display unit and the transaction information stored in the wireless tag is updated by the transaction information update unit while the transaction information confirmation screen is displayed, the transaction information is updated. The difference information acquired by the department is included in the transaction information confirmation screen and displayed on the display section.

  Moreover, in order to solve the said subject, the screen display method which performs the process similar to the said automatic transaction apparatus is provided.

  According to the automatic transaction apparatus, automatic transaction system, and screen display method, transaction information can be easily confirmed.

It is a figure which shows an automatic transaction apparatus. It is a figure which shows the external appearance of the automatic transaction apparatus of 1st Embodiment. It is a figure which shows the hardware constitutions of the automatic transaction apparatus of 1st Embodiment. It is a figure which shows the hardware constitutions of the cash card of 1st Embodiment. It is a figure which shows the function structure of each apparatus of 1st Embodiment. It is a figure which shows the example of a data structure of the account number management table of 1st Embodiment. It is a figure which shows the example of a data structure of the transaction history table of 1st Embodiment. It is a figure which shows the example of a data structure of the account information management table of 1st Embodiment. It is a figure which shows the example of a display of the normal transaction screen of 1st Embodiment. It is a figure which shows the example of a display of the transaction history inquiry screen of 1st Embodiment. It is a flowchart which shows the procedure of the transaction history display process of 1st Embodiment. It is a schematic diagram which shows the switching process of the transaction screen of 1st Embodiment. It is a flowchart which shows the procedure of the normal transaction process of 1st Embodiment. It is a figure which shows the function structure of each apparatus of 2nd Embodiment. It is a flowchart which shows the procedure of the normal transaction process of 2nd Embodiment.

Hereinafter, the present embodiment will be described in detail with reference to the drawings.
FIG. 1 is a diagram showing an automatic transaction apparatus. The automatic transaction apparatus 10 includes a communication unit 11, a display unit 12, and a display control unit 13.

  The communication unit 11 reads transaction information stored in the wireless tag 21 included in the transaction medium 20 and recording the contents of the financial transaction through communication with the wireless tag 21. Here, the transaction information is information including a transaction history and an account balance of a customer who owns the transaction medium 20. Communication between the communication unit 11 and the wireless tag 21 is started when the wireless tag 21 is arranged at a distance that allows communication with the communication unit 11. The communication part 11 is provided in the peripheral part of the operation panel which is provided in the automatic transaction apparatus 10 and receives a customer's operation input, for example.

The display unit 12 displays a predetermined screen interface for performing a possible financial transaction in the automatic transaction apparatus 10.
The display control unit 13 determines whether communication by the communication unit 11 is being performed. If the display control unit 13 determines that communication by the communication unit 11 is not performed, the display control unit 13 displays a predetermined normal transaction screen on the display unit 12. When the display control unit 13 determines that communication is performed in the communication unit 11, the display control unit 13 causes the display unit 12 to display a transaction information confirmation screen including the transaction information read from the wireless tag 21 by the communication unit 11. The display control unit 13 determines whether or not communication by the communication unit 11 is being performed, for example, by detecting whether or not the communication unit 11 is transmitting / receiving data to / from the wireless tag 21. be able to. For example, it can be determined by detecting whether or not predetermined polling is performed between the communication unit 11 and the wireless tag 21.

  The transaction medium 20 is owned by a customer and is used to perform a financial transaction that can be performed by the automatic transaction apparatus 10. The transaction medium 20 is, for example, a cash card or a bankbook. The transaction medium 20 includes a wireless tag 21 that communicates with the communication unit 11. The wireless tag 21 is, for example, a non-contact IC tag or an RFID (Radio Frequency IDentification) tag. The wireless tag 21 includes a transaction information storage unit 21a and a communication unit 21b.

The transaction information storage unit 21a stores transaction information.
The communication unit 21b communicates with the communication unit 11. The communication unit 21 b reads transaction information stored in the transaction information storage unit 21 a in response to a request from the communication unit 11 and transmits the transaction information to the communication unit 11.

  According to the automatic transaction apparatus 10, the communication unit 11 communicates with the wireless tag 21 included in the transaction medium 20, and the transaction information stored in the wireless tag 21 is read. The display control unit 13 determines whether the communication unit 11 is communicating with the wireless tag 21. When the display control unit 13 determines that communication is not being performed, a predetermined normal transaction screen is displayed on the display unit 12. When the display control unit 13 determines that communication is being performed, a transaction information confirmation screen including transaction information read by the communication unit 11 is displayed on the display unit 12.

  In this way, when communication between the communication unit 11 and the transaction medium 20 is started, the display control unit 13 switches the display content of the display unit 12 from the normal transaction screen to the transaction information confirmation screen. Here, the communication is started when the customer enters the communication unit 11 within a distance where the transaction medium 20 can communicate. Therefore, the customer can refer to the transaction information confirmation screen on the display unit 12 simply by holding the transaction medium 20 over the communication unit 11 or the like. That is, the trouble of inserting the transaction medium 20 into the automatic transaction apparatus 10 or performing a predetermined operation input for transaction selection is eliminated, and transaction information can be easily confirmed. Further, since the communication with the management device that manages the customer account information does not occur when the transaction information is confirmed, the customer can start confirming the transaction information in a short time.

[First Embodiment]
Hereinafter, a first embodiment will be described in detail with reference to the drawings.
FIG. 2 is a diagram illustrating an appearance of the automatic transaction apparatus according to the first embodiment. The automatic transaction apparatus 100 is installed in a financial institution's store, retail store, public facility (station or airport), and the like. The automatic transaction apparatus 100 is also called ATM. The automatic transaction apparatus 100 includes a bill unit 101, a coin unit 102, a passbook unit 103, a card unit 104, a receipt unit 105, a touch panel 106, a display 107 (not shown in FIG. 2), and a tag R / W (Reader / Writer) 108. Have

  The banknote unit 101 performs entry / exit, counting, and storing of banknotes. The banknote unit 101 includes a banknote entrance. The banknote entrance is normally covered with a cover so that banknotes cannot be installed. The banknote unit 101 opens the banknote doorway when it becomes necessary to collect banknotes for deposit transactions or the like. And the banknote unit 101 collects, counts, and stores the banknote thrown into the banknote entrance by the customer. Moreover, the banknote unit 101 opens the banknote entrance when it becomes necessary to release banknotes in a transaction of payout. And the banknote unit 101 discharge | releases a banknote at a banknote entrance, and hold | maintains it. The customer pulls out the banknotes released to the banknote entrance.

  The coin unit 102 performs entry / exit, counting, and storage of coins. The coin unit 102 includes a coin entrance. The coin inlet / outlet is normally covered with a cover so that no coins can be installed. The coin unit 102 opens the coin entrance when coins need to be collected for deposit transactions or the like. The coin unit 102 collects, counts, and stores the coins that are input to the effect doorway by the customer. Further, the coin unit 102 opens the coin entrance when it is necessary to release banknotes in a payout transaction or the like. And the coin unit 102 discharge | releases and hold | maintains a banknote in a coin entrance. The customer takes out the coins that have been discharged to the money slot.

With the above operations by the bill unit 101 and the coin unit 102, the customer can withdraw cash from his / her own account.
The bankbook unit 103 performs deposit / withdrawal and printing of the bankbook. The bankbook unit 103 includes a bankbook entrance / exit. The bankbook unit 103 collects the bankbook entered by the customer at the bankbook entrance / exit. And the passbook unit 103 prints the contents according to the transaction on the collected deposit passbook, and discharges and holds it at the passbook entrance / exit. The customer withdraws the bankbook released to the bankbook entry / exit.

  The card unit 104 performs entry / exit of the cash card 200 and reading of an MS (Magnetic Stripe) unit and a wireless tag unit included in the cash card 200. The card unit 104 has a card entrance. The card unit 104 collects the cash card 200 inserted by the customer at the card entrance. Then, the card unit 104 performs a transaction based on the information read from the cash card 200, and discharges and holds the cash card 200 to the card entrance / exit. The customer pulls out the cash card 200 released to the card entrance.

  The receipt unit 105 releases a receipt indicating transaction details, customer balance, and the like. The receipt unit 105 includes a receipt discharge port. The receipt unit 105 releases and holds a receipt issued in response to a transaction at a receipt discharge port. The customer pulls out the receipt discharged to the receipt discharge port.

  The touch panel 106 detects a touch operation. The customer can touch the touch panel 106 with a finger. The customer can also touch the touch panel 106 using a pointing device such as a touch pen. When a touch operation is performed on the touch panel 106, a position where an object such as a finger is in contact is detected.

  The display 107 displays an interface screen for performing a financial transaction. The display 107 is located below the touch panel 106. An image displayed on the display 107 is visible from the front surface of the automatic transaction apparatus 100 through the touch panel 106. The customer can perform a touch operation on the touch panel 106 while viewing the image displayed on the display 107.

  The tag R / W 108 communicates with the wireless tag unit included in the cash card 200. The tag R / W 108 includes a coil antenna, and performs magnetic flux coupling with the coil antenna included in the wireless tag unit of the cash card 200 to supply power to the wireless tag unit by electromagnetic induction to perform communication. The tag R / W 108 performs predetermined demodulation / decoding processing on the received signal from the wireless tag unit of the cash card 200 and reads data. The tag R / W 108 performs encoding / modulation processing on data to be transmitted to the wireless tag unit, generates a transmission signal, and outputs the transmission signal to the wireless tag unit via the coil antenna. Note that the communicable distance between the tag R / W 108 and the cash card 200 is preset to, for example, about several centimeters to several tens of centimeters.

  Tag R / W 108 is provided on the side surface of the customer-side housing of automatic transaction apparatus 100. With such an arrangement, the customer always holds the cash card 200 by hand, so that misplacement can be prevented. However, the tag R / W 108 may be provided on the same surface as the operation surface of the touch panel 106, and it is desirable to arrange the tag R / W 108 in the most suitable place in consideration of the operability of the customer.

  FIG. 3 is a diagram illustrating a hardware configuration of the automatic transaction apparatus according to the first embodiment. The automatic transaction apparatus 100 includes a banknote unit 101, a coin unit 102, a bankbook unit 103, a card unit 104, a receipt unit 105, a touch panel 106, a display 107, a tag R / W 108, a CPU (Central Processing Unit) 109, a memory 110, and a receipt printer. 111 and a communication interface 112. Since the bill unit 101, the coin unit 102, the bankbook unit 103, the receipt unit 105, the touch panel 106, the display 107, and the tag R / W 108 are the same as those described with the same reference numerals in FIG. Is omitted.

The card unit 104 has a tag R / W 104a and an MS reader 104b.
The tag R / W 104a communicates with the wireless tag unit of the cash card 200 inserted into the card unit 104 in the same manner as the tag R / W 108. The tag R / W 104a reads data from the wireless tag unit of the cash card 200 or writes data to the wireless tag unit.

The MS reader 104b includes a magnetic head and reads the MS portion of the cash card 200.
The CPU 109 controls the overall operation of the automatic transaction apparatus 100. Specifically, the CPU 109 reads out and executes a program and data from the memory 110 when the automatic transaction apparatus 100 is activated and thereafter as necessary. For example, the CPU 109 starts a desired transaction based on data acquired from the touch panel 106. Moreover, CPU110 performs transaction processing based on the data acquired from the management server 300 via the data acquired from the banknote unit 101, the coin unit 102, the passbook unit 103, the card unit 104, and the communication interface 112, for example. . Further, for example, the CPU 109 causes the receipt printer 111 or the receipt unit 105 to issue a receipt according to the transaction result.

  The memory 110 stores a program executed by the CPU 109 and data used for processing. Various programs for realizing a financial transaction function and a display control function are stored in the memory 110 in advance.

  The receipt printer 111 is for printing a receipt. The receipt printer 111 is used not only for printing receipts but also for printing transaction records called journals managed by financial institutions. The receipt printer 111 is also used for printing the display content of the screen displayed on the display 107.

  The communication interface 112 is connected to the network 30 and performs data communication with other information processing apparatuses including the management server 300 via the network 30. The management server 300 is a computer that centrally manages customer information. The management server 300 includes a CPU and a memory. Account information for managing customer accounts is stored in the memory of the management server 300.

  FIG. 4 is a diagram illustrating a hardware configuration of the cash card according to the first embodiment. The cash card 200 includes a wireless tag unit 210 and an MS (Magnetic Stripe) unit 220.

  The wireless tag unit 210 receives power supply by electromagnetic induction from the tag R / W 104a and communicates with the tag R / W 104a. Alternatively, the wireless tag unit 210 receives power from electromagnetic induction from the tag R / W 108 and communicates with the tag R / W 108. The wireless tag unit 210 includes a control unit 211, a memory 212, a communication unit 213, and a coil antenna 214.

The control unit 211 controls the entire wireless tag unit 210.
The memory 212 stores a program executed by the control unit 211 and data used for processing.

  The communication unit 213 outputs, to the coil antenna 214, a transmission signal obtained by performing predetermined encoding / modulation processing on the transmission target data acquired from the control unit 211. Further, the communication unit 213 performs predetermined demodulation / decoding processing on the reception signal acquired from the coil antenna 214 and outputs the result to the control unit 211.

The coil antenna 214 is an antenna for electromagnetically coupling to the coil antennas of the tag R / Ws 104a and 108, receiving power supply by electromagnetic induction, and performing data communication.
In the following description, a case where communication between the wireless tag unit 210 and the tag R / Ws 104a and 108 is performed by electromagnetic induction is illustrated, but the configuration is not limited thereto. For example, the tag R / Ws 104a and 108 may radiate electromagnetic waves in the UHF (Ultra High Frequency) band to the space to supply power to the wireless tag unit 210 and communicate data with the wireless tag unit 210. In this case, the wireless tag unit 210 is provided with a dipole antenna or the like formed so as to be able to receive this electromagnetic wave in place of the coil antenna 214.

In the MS unit 220, customer information such as an account number is magnetically recorded. Data recorded in the MS unit 220 is read by the MS reader 104b.
FIG. 5 is a diagram illustrating a functional configuration of each device according to the first embodiment. The automatic transaction apparatus 100 includes a card unit 104, a touch panel 106, a display 107, a tag R / W 108, a transaction information acquisition unit 120, a display control unit 130, a transaction processing unit 140, and a normal transaction screen display control unit 150. The card unit 104, the touch panel 106, the display 107, and the tag R / W 108 are the same as those described with the same reference numerals in FIG.

  Moreover, the transaction information acquisition part 120, the display control part 130, the transaction process part 140, and the normal transaction screen display control part 150 are implement | achieved when CPU109 runs a predetermined | prescribed program. However, at least some or all of these functions may be realized by dedicated hardware.

  The transaction information acquisition unit 120 acquires the customer information and the transaction information that the tag R / W 108 reads from the wireless tag unit 210 when the cash card 200 is held by a customer at a position where it can communicate with the tag R / W 108. The transaction information acquisition unit 120 outputs the transaction information acquired from the tag R / W 108 to the display control unit 130. Moreover, the transaction information acquisition part 120 inquires the management server 300 about the account information of a corresponding customer based on the acquired customer information. The account information includes the latest transaction information. For this reason, the transaction information acquisition unit 120 outputs the latest content to the display control unit 130 when the information newer than the information included in the transaction information acquired from the wireless tag unit 210 is acquired from the management server 300. In this case, the transaction information acquisition unit 120 instructs the tag R / W 108 to update the transaction information stored in the wireless tag unit 210 with the latest content.

  Further, when the cash card 200 is inserted into the card unit 104 by the customer, the transaction information acquisition unit 120 acquires the customer information and transaction information that the tag R / W 104a has read from the wireless tag unit 210. Also in this case, the transaction information acquisition part 120 inquires the management server 300 about the account information of a corresponding customer based on the acquired customer information. Then, when the transaction information stored in the wireless tag unit 210 is old, the transaction information acquisition unit 120 instructs the tag R / W 104a to update the transaction information stored in the wireless tag unit 210 with the latest content. .

  The display control unit 130 causes the display 107 to display a transaction history reference screen based on the transaction information acquired from the transaction information acquisition unit 120. Moreover, the display control part 130 receives the operation input with respect to a transaction history reference screen, and changes the display of a transaction history reference screen as needed.

  When the cash card 200 is inserted into the card unit 104, the transaction processing unit 140 acquires the customer information read from the wireless tag unit 210 by the tag R / W 104a. Moreover, the transaction processing unit 140 acquires a personal identification number that is input from the touch panel 106 by a predetermined operation input by the customer. Transaction processing unit 140 receives authentication by management server 300 based on the acquired customer information and personal identification number. When authenticated by the management server 300, the transaction processing unit 140 can continue the financial transaction desired by the customer and access and update the entire account information managed by the management server 300. Thereafter, the transaction processing unit 140 executes a predetermined normal transaction process according to a predetermined operation input by the customer on the touch panel 106. Here, the normal transaction refers to general transaction processing such as deposit and withdrawal and transfer.

The normal transaction screen display control unit 150 displays a normal transaction screen used for normal transaction processing on the display 107 based on the account information acquired from the transaction processing unit 140.
The cash card 200 has a wireless tag unit 210. The wireless tag unit 210 includes a customer information storage unit 230, a transaction information storage unit 240, and a communication processing unit 250.

The customer information storage unit 230 stores customer information including information for specifying an account number.
The transaction information storage unit 240 stores transaction information including a history of financial transactions for a customer account.

  The communication processing unit 250 receives the customer information stored in the customer information storage unit 230 or the transaction information stored in the transaction information storage unit 240 in response to the read request received from the tag R / W 104a, 108. Send to. Further, the communication processing unit 250 updates the transaction information stored in the transaction information storage unit 240 in response to the write request received from the tag R / W 104a or 108.

The management server 300 includes an account information storage unit 310 and an account information management unit 320.
The account information storage unit 310 stores account information including a history of customer financial transactions.
The account information management unit 320 authenticates whether the person who is currently performing the financial transaction is a legitimate customer who owns the cash card 200 based on the customer information received from the transaction processing unit 140 and the personal identification number. . Further, in the case of authentication OK, the account information management unit 320 permits access to and update of the account information stored in the account information storage unit 310 according to the financial transaction designated by the automatic transaction apparatus 100.

  Further, the account information management unit 320 acquires transaction history data included in the account information stored in the account information storage unit 310 based on the customer information received from the transaction information acquisition unit 120, and stores the transaction history data in the transaction information acquisition unit 120. Send. The account information management unit 320 does not need to authenticate with a personal identification number or the like only for reading the transaction history data stored in the account information storage unit 310 in this way. However, authentication using a personal identification number or the like may be performed.

  FIG. 6 is a diagram illustrating an example of a data structure of the account number management table according to the first embodiment. The account management table 231 is stored in the customer information storage unit 230. The account management table 231 includes an item indicating a bank code, an item indicating a branch code, and an item indicating an account number. Information of each item is associated with each other to indicate information related to one account.

  In the item indicating the bank code, a code for identifying the bank is set. In the item indicating the branch code, a code for identifying the branch of the bank is set. In the item indicating the account number, an account number at the corresponding bank or branch is set.

  In the account management table 231, for example, information that the bank code is “999”, the branch code is “100”, and the account number is “1234567” is set. This indicates that the cash card 200 corresponds to the account number “1234567” at the branch indicated by the bank branch code “100” indicated by the bank code “999”.

  FIG. 7 is a diagram illustrating a data structure example of a transaction history table according to the first embodiment. The transaction history table 241 is stored in the transaction information storage unit 240. The transaction history table 241 includes an item indicating a transaction date, an item indicating a transaction time, an item indicating a transaction classification, an item indicating a business partner, an item indicating a transaction amount, and an item indicating a balance. Information on each item is associated with each other to indicate information related to one transaction.

  In the item indicating the transaction date, the date on which the transaction was performed is set. In the item indicating the transaction time, the time when the transaction was performed is set. In the item indicating the transaction category, a category representing the content of the transaction is set. In the item indicating the business partner, the business partner who performed the transaction with the own account is set. In the item indicating the transaction amount, an increase / decrease amount of the balance generated by the transaction is set. The account balance after the corresponding transaction is set in the item indicating the balance.

  In the transaction history table 241, for example, the transaction date is “2009/02/14”, the transaction time is “12:32:33”, the transaction classification is “Balance inquiry”, the customer is “Principal”, and the transaction amount is “ -Information ("hyphen") and balance "2,000,000" is set. This is because “Balance inquiry” was performed by “Principal” at “12:32:33” of “2009/02/14”, and the balance at this time was “2,000,000” yen Is shown. In the balance inquiry, since no deposit / withdraw occurs, the transaction amount is “−”.

  Further, in the transaction history table 241, for example, the transaction date is “2009/2/13”, the transaction time is “16:10:28”, the transaction classification is “payment”, the customer is “Company A”, the transaction amount Is “100,000” and the balance is “2,000,000”. This indicates that “100,000” yen was received from “Company A” at the corresponding time on the corresponding day, and as a result, the balance became “2,000,000” yen. ing.

When the transaction category is “withdrawal” or “transfer” to the business partner, the transaction amount is expressed in a negative notation, which indicates that the account balance has been reduced accordingly.
FIG. 8 is a diagram illustrating an example of a data structure of the account information management table according to the first embodiment. The account information management tables 311, 312, 313,... Are stored in the account information storage unit 310 in association with the account number of the cash card owned by each customer. The account information management tables 311, 312, 313,... Are associated with the bank stores specified by the bank code “999” and the branch code “100”. The account information management table 311 will be described below, but the account information management tables 312, 313,.

  The account information management table 311 includes an item indicating a transaction date, an item indicating a transaction time, an item indicating a transaction classification, an item indicating a business partner, an item indicating a transaction amount, and an item indicating a balance. Information arranged in the horizontal direction of each item is associated with each other to indicate information related to one transaction.

  In the item indicating the transaction date, the date on which the transaction was performed is set. In the item indicating the transaction time, the time when the transaction was performed is set. In the item indicating the transaction category, a category representing the content of the transaction is set. In the item indicating the business partner, the business partner who performed the transaction with the own account is set. In the item indicating the transaction amount, an increase / decrease amount of the balance generated by the transaction is set. The account balance after the corresponding transaction is set in the item indicating the balance. As described above, the account information management table 311 includes transaction history data indicated by these items. A new record is added to the account information management table 311 in time series every time a transaction occurs in the corresponding account.

  In the account information management table 311, for example, the transaction date is “2009/2/17”, the transaction time is “11:02:51”, the transaction classification is “payment”, the customer is “company B”, and the transaction amount is Information of “300,000” and a balance of “2,200,000” is set. This is because “Deposit” was performed from “Company B” at “11:02:51” on “2009/2/17”, and as a result, the account balance became “2,200,000” yen. It is shown that.

  FIG. 9 is a diagram illustrating a display example of a normal transaction screen according to the first embodiment. The normal transaction screen 151 is displayed on the display 107 by the normal transaction screen display control unit 150. The normal transaction screen 151 is provided with buttons corresponding to a plurality of financial transactions so that a desired financial transaction can be selected by a customer's operation input. The normal transaction screen 151 is a screen for waiting for a customer's operation input, and is a screen displayed on the display 107 before the transaction is started.

  The transaction processing unit 140 receives a customer touch operation on the normal transaction screen 151 via the touch panel 106 and starts the corresponding financial transaction in cooperation with the management server 300. Moreover, the normal transaction screen display control part 150 changes the content of the normal transaction screen 151 according to the progress of the financial transaction. For example, when the customer selects payment, a guidance screen that prompts the customer to deposit money is displayed on the display 107. For example, when the customer selects withdrawal, an operation screen for the customer to input the withdrawal amount is displayed on the display 107. Further, for example, when the customer selects the transfer, a guide screen for prompting the input of the account number of the transfer destination or the input of the transfer amount is displayed on the display 107.

  FIG. 10 is a diagram illustrating a display example of a transaction history inquiry screen according to the first embodiment. Transaction history inquiry screens 131 and 132 are generated by display control unit 130 and displayed on display 107.

The transaction history inquiry screen 131 includes a transaction history display unit 131a, a scroll bar 131b, a print button 131c, a transaction button 131d, and a notification unit 131e.
The transaction history display unit 131 a is an area for displaying the contents of the transaction history table 241 stored in the transaction information storage unit 240.

  The scroll bar 131b is an operation unit for scrolling the contents of the transaction history display unit 131a up and down to display other records that do not fit in the transaction history display unit 131a.

  The print button 131c is a button for instructing to print the contents of the transaction history inquiry screen 131 on a receipt. When receiving a press of the print button 131 c via the touch panel 106, the display control unit 130 causes the receipt printer 111 to issue a receipt on which the contents of the transaction history inquiry screen 131 are printed, and releases the issued receipt from the receipt unit 105.

  The transaction button 131d is a button for instructing a transition to the normal transaction screen 151. Display control part 130 will stop display of transaction history inquiry screen 131, if press of transaction button 131d is accepted via touch panel 106. As a result, the normal transaction screen by the normal transaction screen display control unit 150 is displayed on the display 107.

  The notification unit 131e is an indicator for notifying the customer that the content of the transaction history table 241 is synchronized with the content of the account information management table 311 stored in the account information storage unit 310.

  The transaction history inquiry screen 132 is a screen that is transitioned from the transaction history inquiry screen 131 after synchronizing the contents of the transaction history table 241 with the contents of the account information management table 311. The transaction history inquiry screen 132 includes a transaction history display unit 132a, a scroll bar 132b, a print button 132c, a transaction button 132d, and a notification unit 132e.

The transaction history display part 132a is an area for displaying the contents of the updated transaction history table 241.
The scroll bar 132b is an operation unit corresponding to the scroll bar 131b.

The print button 132c is a button corresponding to the print button 131c.
The transaction button 132d is a button corresponding to the transaction button 131d.
The notification unit 132e is an indicator for notifying the customer that the synchronization process for synchronizing the contents of the transaction history table 241 with the contents of the account information management table 311 has been completed.

Next, the processing of the automatic transaction apparatus 100 having the above configuration will be described.
FIG. 11 is a flowchart illustrating a procedure of transaction history display processing according to the first embodiment. In the following, the process illustrated in FIG. 11 will be described in order of step number. It is assumed that the normal transaction screen 151 is displayed on the display 107 of the automatic transaction apparatus 100 at the start of the following processing.

[Step S <b> 11] The tag R / W 108 detects a signal from the wireless tag unit 210 when the cash card 200 is placed over a customer so that it can communicate.
[Step S12] The transaction information acquisition unit 120, based on the signal read by the tag R / W 108 from the wireless tag unit 210, the customer information stored in the customer information storage unit 230 and the transaction stored in the transaction information storage unit 240. Get information and. The transaction information acquisition unit 120 outputs the acquired transaction information to the display control unit 130.

  [Step S <b> 13] The display control unit 130 generates a transaction history inquiry screen 131 based on the transaction information acquired from the transaction information acquisition unit 120. The display control unit 130 includes a notification unit 131e that notifies the transaction history inquiry screen 131 that the latest data is being synchronized.

[Step S14] The display control unit 130 changes the display on the display 107 from the normal transaction screen 151 to the transaction history inquiry screen 131.
[Step S15] The transaction information acquisition unit 120 requests the transaction information data included in the account information of the corresponding customer from the account information management unit 320. This request includes customer information. The account information management unit 320 refers to the account information management table 311 stored in the account information storage unit 310 based on the request acquired from the transaction information acquisition unit 120, and transmits the latest transaction history data to the transaction information acquisition unit 120. .

  [Step S16] The transaction information acquisition unit 120 compares the transaction history data acquired from the account information management unit 320 with the transaction information acquired from the wireless tag unit 210, and determines whether there is an update to the transaction information. . If there is an update, the process proceeds to step S17. If there is no update, the process proceeds to step S19.

  [Step S <b> 17] The transaction information acquisition unit 120 outputs the transaction history data acquired from the account information management unit 320 to the display control unit 130. The display control unit 130 extracts the difference between the transaction information and the transaction history data, and causes the transaction history display unit 131a to display the difference information.

  [Step S18] The transaction information acquisition unit 120 outputs an update instruction including the latest transaction history data to the tag R / W 108. The tag R / W 108 transmits this update instruction to the communication processing unit 250. The communication processing unit 250 updates the transaction history table 241 stored in the transaction information storage unit 240 in accordance with the acquired update instruction. Further, when the update of the transaction history table 241 is normally completed, the communication processing unit 250 transmits an update completion notification to the tag R / W 108. The transaction information acquisition unit 120 acquires a notification of update completion from the tag R / W 108 and notifies the display control unit 130 to that effect.

  [Step S19] The display control unit 130 changes the notification unit 131e (“Updating”) to the notification unit 132e (“Update complete”). As a result, a transaction history inquiry screen 132 is displayed on the display 107. This also ends a series of transaction information update processing.

  [Step S20] The tag R / W 108 starts predetermined polling with the communication processing unit 250. This polling is continued as long as the tag R / W 108 and the wireless tag unit 210 exist at a communicable distance. Thereby, the tag R / W 108 can detect the presence of the cash card 200 even after the completion of predetermined data communication.

  [Step S <b> 21] The display control unit 130 determines whether polling is performed between the tag R / W 108 and the wireless tag unit 210. If polling is being performed, the process proceeds to step S22. If polling is not performed, the process proceeds to step S23.

[Step S22] The display control unit 130 continues to display the transaction history inquiry screen 132 on the display 107. Then, the process proceeds to step S21.
[Step S23] The display control unit 130 changes the display content of the display 107 from the transaction history inquiry screen 132 to the normal transaction screen 151. Then, the process is completed.

  In this way, the automatic transaction apparatus 100 changes the display content of the display 107 from the normal transaction screen 151 to the transaction history inquiry screens 131 and 132 while the communication between the tag R / W 108 and the wireless tag unit 210 is performed. change.

  Note that the tag R / W 108 may not be able to communicate with the cash card 200 due to the customer dropping the cash card 200 during the processes in steps S12 to S19, and the process may be interrupted. Conceivable. In this case, for example, the display control unit 130 displays a screen for instructing the tag R / W 108 to prompt the cash card 200 again on the display 107. Then, it is detected again that the cash card 200 is held over the tag R / W 108, and the interrupted process is resumed.

  The polling shown in step S20 has been described as a means for the tag R / W 108 to detect the cash card 200 after completion of predetermined data communication. However, the polling is started from the timing when the signal from the tag is detected in step S11. May be.

  FIG. 12 is a schematic diagram illustrating transaction screen switching processing according to the first embodiment. (A) illustrates a case where communication between the wireless tag unit 210 and the tag R / W 108 is not performed because the cash card 200 is away from the tag R / W 108. In this case, the normal transaction screen 151 is displayed on the display 107 by the normal transaction screen display control unit 150. (B) illustrates a case where the cash card 200 is disposed at a position where the cash card 200 can communicate with the tag R / W 108 and communication between the wireless tag unit 210 and the tag R / W 108 is performed. In this case, the display content of the display 107 is changed from the normal transaction screen 151 to the transaction history inquiry screen by the display control unit 130. However, before the transaction information of the wireless tag unit 210 is updated, the transaction history inquiry screen 131 is displayed, and the transaction history inquiry screen 131 transitions to the transaction history inquiry screen 132 as the update process proceeds. Further, when the cash card 200 is separated from the tag R / W 108 from the state (B) and becomes the state (A), the display of the transaction history inquiry screen on the display 107 is ended by the display control unit 130. As a result, the display content on the display 107 is switched to the normal transaction screen 151.

  As described above, the customer can display the transaction history inquiry screen of his / her account on the display 107 only by holding the cash card 200 over the tag R / W 108 provided in the automatic transaction apparatus 100. Further, the customer can return to the normal transaction screen 151 when the customer stops holding the cash card 200 over the tag R / W 108. For this reason, the customer is not required to insert the cash card 200 into the card unit 104 and perform a predetermined operation input on the touch panel 106. Further, since the communication with the management server 300 does not occur when the transaction history is inquired, the transaction history can be inquired in a short time.

  At this time, the automatic transaction apparatus 100 cooperates with the management server 300 to update the transaction information recorded in the wireless tag unit 210 of the cash card 200 when the transaction content is updated. For this reason, the transaction information held by the wireless tag unit 210 can be updated at the same time as the inquiry of the transaction information.

  The transaction information can be updated not only when the cash card 200 is held over the tag R / W 108 but also when a normal financial transaction is performed by the customer. Below, the processing procedure for this is demonstrated.

  FIG. 13 is a flowchart illustrating a procedure of normal transaction processing according to the first embodiment. In the following, the process illustrated in FIG. 13 will be described in order of step number. It is assumed that the normal transaction screen 151 is displayed on the display 107 of the automatic transaction apparatus 100 at the start of the following processing.

[Step S31] The card unit 104 accepts insertion of a cash card 200 by a customer.
[Step S32] The tag R / W 104a detects and reads a signal from the wireless tag unit 210.

  [Step S <b> 33] The transaction processing unit 140 acquires customer information stored in the customer information storage unit 230 based on a signal read by the tag R / W 104 a from the wireless tag unit 210. Further, the transaction information acquisition unit 120, based on the signal read by the tag R / W 104a from the wireless tag unit 210, the customer information stored in the customer information storage unit 230 and the transaction information stored in the transaction information storage unit 240, To get.

  [Step S34] The transaction processing unit 140 receives a predetermined operation input from the customer on the touch panel 106, and receives a financial transaction selection input (selection input such as deposit, withdrawal and transfer). After the selection input, the transaction processing unit 140 causes the normal transaction screen display control unit 150 to display a password input screen on the display 107.

[Step S35] The transaction processing unit 140 receives a predetermined operation input from the customer on the touch panel 106, and receives a password given to the customer.
[Step S36] The transaction processing unit 140 transmits the acquired customer information and password to the account information management unit 320 and receives authentication. When the account information management unit 320 determines that the authentication is successful, the transaction processing unit 140 performs the normal transaction processing selected in step S34 in cooperation with the management server 300.

  [Step S37] The transaction processing unit 140 requests the account information management unit 320 to update the account information management table 311 stored in the account information storage unit 310 according to the result of the financial transaction processing. In response to this request, the account information management unit 320 updates the account information management table 311 and transmits an update completion notification to the transaction processing unit 140. Transaction processing unit 140 receives a notification of update completion.

  [Step S38] The transaction information acquisition unit 120 requests the transaction information data included in the account information of the customer from the account information management unit 320. This request includes the customer information acquired in step S33. The account information management unit 320 refers to the account information management table 311 stored in the account information storage unit 310 based on the request acquired from the transaction information acquisition unit 120, and transmits the latest transaction history data to the transaction information acquisition unit 120. .

  [Step S39] The transaction information acquisition unit 120 compares the transaction history data acquired from the account information management unit 320 with the transaction information acquired from the wireless tag unit 210, and determines whether there is an update to the transaction information. . If there is an update, the process proceeds to step S40. If there is no update, the process proceeds to step S41.

  [Step S40] The transaction information acquisition unit 120 outputs an update instruction including the latest transaction history data to the tag R / W 104a. The tag R / W 104a transmits this update instruction to the communication processing unit 250. The communication processing unit 250 updates the transaction history table 241 stored in the transaction information storage unit 240 in accordance with the acquired update instruction. In addition, when the transaction history table 241 is normally updated, the communication processing unit 250 transmits an update completion notification to the tag R / W 104a. The transaction information acquisition unit 120 acquires a notification of update completion from the tag R / W 104a.

  [Step S41] The transaction processing unit 140 releases various media such as money and cash cards 200 from the banknote unit 101, the coin unit 102, the bankbook unit 103, the card unit 104, and the receipt unit 105 according to the result of the normal transaction. Let Then, the process is completed.

  Thus, even when the cash card 200 is inserted into the card unit 104 and a normal transaction is performed, the automatic transaction apparatus 100 converts the transaction information held by the cash card 200 into transaction history data held by the management server 300. Synchronize. Thereby, the financial transaction performed by the automatic transaction apparatus 100 can be recorded in the cash card 200 immediately after the transaction is performed.

[Second Embodiment]
Hereinafter, a second embodiment will be described in detail with reference to the drawings. Differences from the first embodiment will be mainly described, and description of similar matters will be omitted.

  The external appearance, hardware configuration and data configuration of the automatic transaction apparatus of the second embodiment are the external appearance, hardware configuration of the automatic transaction apparatus 100 of the first embodiment shown in FIGS. Since the functional configuration and the data configuration are the same, description thereof is omitted.

  The automatic transaction apparatus according to the second embodiment is different from the automatic transaction apparatus 100 according to the first embodiment in the procedure of normal transaction processing. Specifically, the data recorded in the MS unit 220 of the cash card 200 is read to perform a financial transaction. At this time, the data recorded in the MS unit 220 can be complemented / restored with the data recorded in the wireless tag unit 210 as necessary.

Below, such an automatic transaction apparatus is demonstrated.
FIG. 14 is a diagram illustrating a functional configuration of each device according to the second embodiment. The automatic transaction apparatus 100a includes a card unit 104, a display 107, a tag R / W 108, a transaction information acquisition unit 120, a display control unit 130, a transaction processing unit 140, a normal transaction screen display control unit 150, an MS read information acquisition unit 160, and a customer. An information complementing unit 170 is included. The card unit 104, the display 107, the tag R / W 108, the transaction information acquisition unit 120, the display control unit 130, the transaction processing unit 140, and the normal transaction screen display control unit 150 are denoted by the same reference numerals in FIGS. Since the configuration is the same as that described above, the description thereof is omitted. In FIG. 14, the touch panel 106 shown in FIG. 5 is not shown. Further, the functions of the transaction information acquisition unit 120, the display control unit 130, the transaction processing unit 140, the normal transaction screen display control unit 150, the MS read information acquisition unit 160, and the customer information complement unit 170 are executed by the CPU 109. This is realized. However, at least some or all of these functions may be realized by dedicated hardware.

When the cash card 200 is inserted into the card unit 104, the MS read information acquisition unit 160 acquires customer information held by the MS unit 220 read by the MS reader 104b.
Here, the MS unit 220 may be unable to read data normally due to a decrease in magnetic force due to the influence of an external magnetic field. Therefore, the MS reader 104b determines whether the signal read from the MS unit 220 is equal to or higher than a predetermined voltage output level, or whether jitter mixed in the process of demodulation of the read signal is lower than a predetermined level, etc. And whether or not data has been normally read from the MS unit 220 is determined. The MS reading information acquisition unit 160 acquires the determination result together with the customer information from the MS reader 104b. When the MS read information acquisition unit 160 receives a determination result indicating that the data has not been read normally, the MS read information acquisition unit 160 requests the customer information supplement unit 170 to complement the customer information that could not be read normally.

  The customer information complementing unit 170 causes the transaction information obtaining unit 120 to acquire information in the customer information storage unit 230 of the wireless tag unit 210 in response to a request for complementing customer information from the MS read information obtaining unit 160. Then, the customer information complementing unit 170 outputs the customer information acquired from the transaction information acquiring unit 120 to the MS read information acquiring unit 160.

  The cash card 200 includes a wireless tag unit 210 and an MS unit 220. The wireless tag unit 210 has the same configuration as that described with the same reference numerals in FIG.

  The MS unit 220 includes a customer information storage unit 260 that magnetically stores customer information. The customer information stored in the customer information storage unit 260 has the same contents as the account management table 231 described in FIG.

  The management server 300 includes an account information storage unit 310 and an account information management unit 320. The account information storage unit 310 and the account information management unit 320 are the same as those described with the same reference numerals in FIG.

  Next, the processing of the automatic transaction apparatus 100a having the above configuration will be described. The procedure of the transaction history display process of the automatic transaction apparatus 100a is the same as the process procedure of the automatic transaction apparatus 100 of the first embodiment shown in FIG.

FIG. 15 is a flowchart illustrating a procedure of normal transaction processing according to the second embodiment. In the following, the process illustrated in FIG. 15 will be described in order of step number.
[Step S51] The card unit 104 accepts insertion of a cash card 200 by a customer.

  [Step S52] The MS reader 104b reads information recorded in the MS unit 220. At this time, the MS reader 104b determines whether the signal read from the MS unit 220 is equal to or higher than a predetermined voltage output level, or whether jitter mixed in the process of demodulation of the read signal is equal to or lower than a predetermined level, etc. And whether or not data has been normally read from the MS unit 220 is determined. The MS reader 104b outputs the read customer information and the determination result to the MS read information acquisition unit 160.

  [Step S53] The MS read information acquisition unit 160 determines whether or not the determination result acquired from the MS reader 104b indicates that data could not be read normally (read NG). If it is read NG, the process proceeds to step S54. If it is determined that the data is not read NG, that is, the data has been read normally, the MS read information acquisition unit 160 outputs the acquired customer information to the transaction processing unit 140, and the process proceeds to step S58.

  [Step S54] The MS read information acquisition unit 160 requests the customer information complementing unit 170 to supplement the customer information. Upon receiving this request, the customer information complementing unit 170 instructs the transaction information acquiring unit 120 to read the customer information stored in the customer information storage unit 230.

  [Step S55] The transaction information acquisition unit 120 acquires customer information stored in the customer information storage unit 230 via the tag R / W 104b. The transaction information acquisition unit 120 outputs the acquired customer information to the customer information complementing unit 170.

  [Step S56] The customer information complementing unit 170 outputs the customer information acquired from the transaction information acquiring unit 120 to the MS read information acquiring unit 160. The MS read information acquisition unit 160 replaces part or all of the customer information read from the MS unit 220 with the customer information acquired from the customer information complementing unit 170. When only a part of the data can be replaced, the MS reader 104b determines whether the reading is correct for each data included in the customer information stored in the customer information storage unit 260 in step S52. The MS read information acquisition unit 160 outputs the replaced customer information to the transaction processing unit 140.

  [Step S57] The MS read information acquisition unit 160 instructs the customer information storage unit 260 to write data substituted for the MS reader 104b. The MS reader 104b newly writes data in the customer information storage unit 260 in response to this request. As a result, the magnetic force of the MS unit 220 is restored to a level at which normal reading is possible.

  [Step S <b> 58] The transaction processing unit 140 receives a predetermined operation input from the customer on the touch panel 106, and receives a financial transaction selection input (selection input such as deposit, withdrawal, or transfer). After the selection input, the transaction processing unit 140 causes the normal transaction screen display control unit 150 to display a password input screen on the display 107.

[Step S59] The transaction processing unit 140 receives a predetermined operation input from the customer to the touch panel 106, and receives a password given to the customer.
[Step S60] The transaction processing unit 140 transmits the acquired customer information and password to the account information management unit 320 and receives authentication. When the account information management unit 320 determines that the authentication is successful, the transaction processing unit 140 performs the normal transaction processing selected in step S58 in cooperation with the management server 300.

  [Step S61] The transaction processing unit 140 requests the account information management unit 320 to update the account information management table 311 stored in the account information storage unit 310 according to the result of the financial transaction processing. In response to this request, the account information management unit 320 updates the account information management table 311 and transmits an update completion notification to the transaction processing unit 140. Transaction processing unit 140 receives a notification of update completion.

  [Step S62] The transaction information acquisition unit 120 requests the account information management unit 320 for transaction history data included in the account information of the corresponding customer. This request includes the customer information acquired in step S33. The account information management unit 320 refers to the account information management table 311 stored in the account information storage unit 310 based on the request acquired from the transaction information acquisition unit 120, and transmits the latest transaction history data to the transaction information acquisition unit 120. .

  [Step S63] The transaction information acquisition unit 120 compares the transaction history data acquired from the account information management unit 320 with the transaction information acquired from the wireless tag unit 210, and determines whether there is an update to the transaction information. . If there is an update, the process proceeds to step S64. If there is no update, the process proceeds to step S65.

  [Step S64] The transaction information acquisition unit 120 outputs an update instruction including the latest transaction history data to the tag R / W 104a. The tag R / W 104a transmits this update instruction to the communication processing unit 250. The communication processing unit 250 updates the transaction history table 241 stored in the transaction information storage unit 240 in accordance with the acquired update instruction. In addition, when the transaction history table 241 is normally updated, the communication processing unit 250 transmits an update completion notification to the tag R / W 104a. The transaction information acquisition unit 120 acquires a notification of update completion from the tag R / W 104a.

  [Step S65] The transaction processing unit 140 releases various media such as money and cash cards 200 from the banknote unit 101, the coin unit 102, the bankbook unit 103, the card unit 104, and the receipt unit 105 in accordance with the result of the normal transaction. Let Then, the process is completed.

  As described above, when the cash card 200 is inserted into the card unit 104 and the normal transaction is performed, the automatic transaction apparatus 100a reads the customer information recorded in the MS unit 220 and performs the transaction.

  When the customer information recorded in the MS unit 220 cannot be read normally, the customer information recorded in the wireless tag unit 210 is read and the transaction is continued. For this reason, even if the information of the MS unit 220 is deteriorated or destroyed due to the influence of an external magnetic field, the transaction can be completed without interruption.

  If the customer information recorded in the MS unit 220 cannot be read normally, the customer information recorded in the wireless tag unit 210 is read, and the customer information in the MS unit 220 is restored with this customer information. For this reason, when the cash card 200 is used in an IC tag-incompatible automatic transaction apparatus that does not have a configuration corresponding to the tag R / W 104a, 108, the customer information cannot be normally read from the MS unit 220 and the transaction is interrupted. Can be prevented in advance.

  As described above, according to the automatic transaction apparatus 100, 100a, the customer simply holds the cash card 200 over the tag R / W 108 provided in the automatic transaction apparatus 100, 100a, and displays the transaction history inquiry screen of his / her account on the display 107. Can be displayed. Further, the customer can return to the normal transaction screen 151 when the customer stops holding the cash card 200 over the tag R / W 108. For this reason, the customer is not required to insert the cash card 200 into the card unit 104 and perform a predetermined operation input on the touch panel 106. Further, since the communication with the management server 300 does not occur when the transaction history is inquired, the transaction history can be inquired in a short time.

  At this time, the automatic transaction apparatuses 100 and 100a cooperate with the management server 300 to update the transaction information recorded in the wireless tag unit 210 of the cash card 200 when the transaction content is updated. For this reason, the transaction information held by the wireless tag unit 210 can be updated at the same time as the inquiry of the transaction information.

  Further, in the automatic transaction apparatus 100a, when the customer information recorded in the MS unit 220 cannot be read normally, the customer information recorded in the wireless tag unit 210 is read and the transaction is continued. For this reason, even if the information of the MS unit 220 is deteriorated or destroyed due to the influence of an external magnetic field, the transaction can be completed without interruption.

  If the customer information recorded in the MS unit 220 cannot be read normally, the customer information recorded in the wireless tag unit 210 is read, and the customer information in the MS unit 220 is restored with this customer information. For this reason, when using the cash card 200 with an IC tag-incompatible automatic transaction apparatus, it is possible to prevent a situation in which the customer information cannot be normally read from the MS unit 220 and the transaction is interrupted.

In the embodiment described above, the cash card 200 is illustrated, but it is also possible to provide a wireless tag on another transaction medium (for example, a bankbook) to realize the same function.
As mentioned above, although the automatic transaction apparatus of this invention, the automatic transaction system, and the screen display method were demonstrated based on embodiment of illustration, it is not limited to these, The structure of each part is arbitrary structures which have the same function Can be replaced. Moreover, other arbitrary structures and processes may be added. Further, the present invention may be a combination of any two or more configurations (features) of the above-described embodiments.

DESCRIPTION OF SYMBOLS 10 Automatic transaction apparatus 11 Communication part 12 Display part 13 Display control part 20 Medium for transaction 21 Wireless tag 21a Transaction information storage part 21b Communication part

Claims (10)

An automatic transaction apparatus for performing financial transactions,
A communication unit that reads transaction information related to the contents of the financial transaction stored in a wireless tag included in a predetermined transaction medium by communication with the wireless tag;
It is determined whether or not the communication by the communication unit is performed. When it is determined that the communication is not performed, a predetermined normal transaction screen is displayed on the display unit, and when it is determined that the communication is performed, A display control unit for displaying a transaction information confirmation screen including the transaction information read by the communication unit on the display unit;
An automatic transaction apparatus comprising: The wireless tag further stores customer information identifying a customer account,
The communication unit reads the customer information together with the transaction information by the communication with the wireless tag,
Based on the customer information read by the communication unit, the transaction history information is acquired from a management device that stores transaction history information in which the content of the financial transaction for the customer's account is recorded in association with the customer information; A transaction information update unit for storing information on a difference between the transaction information read by the communication unit and the transaction history information in the wireless tag via the communication unit;
The automatic transaction apparatus according to claim 1, further comprising:   When the difference information is stored in the wireless tag by the transaction information update unit, the display control unit includes the difference information in the transaction information confirmation screen and causes the display unit to display the difference information. The automatic transaction apparatus according to claim 2. An insertion unit that accepts insertion of the transaction medium, and an internal communication unit that reads the transaction information and the customer information stored in the wireless tag when the transaction medium is inserted into the insertion unit by the communication; A transaction medium receiving unit comprising:
A transaction processing unit that performs the financial transaction based on the customer information read by the internal communication unit, and updates the transaction history information stored in the management device according to a result of the financial transaction;
Further comprising
When the update by the transaction processing unit is completed, the transaction information update unit acquires the transaction history information from the management device based on the customer information read by the internal communication unit, and the internal communication unit reads The difference information between the transaction information and the transaction history information is stored in the wireless tag via the internal communication unit,
The automatic transaction apparatus according to any one of claims 2 and 3. An insertion unit that accepts insertion of the transaction medium, and an internal communication unit that reads the transaction information and the customer information stored in the wireless tag when the transaction medium is inserted into the insertion unit by the communication; A magnetic stripe internal reading unit that reads the customer information recorded in the magnetic stripe provided in the transaction medium; and a transaction medium reception unit comprising:
When the magnetic stripe internal reader reads the customer information normally, the financial transaction is performed based on the customer information read by the magnetic stripe internal reader, and the magnetic stripe internal reader reads the customer information. When the information is not read normally, the internal communication unit reads the customer information, performs the financial transaction based on the customer information read by the internal communication, and the management device performs the financial transaction according to the result of the financial transaction. A transaction processing unit for updating the transaction history information to be stored;
The automatic transaction apparatus according to claim 2, further comprising:   6. The automatic transaction apparatus according to claim 5, wherein the magnetic stripe internal reading unit writes the customer information read by the internal communication unit to the magnetic stripe when the customer information cannot be read normally.   The transaction information update unit acquires the transaction history information from the management device based on the customer information read by the internal communication unit when the update by the transaction processing unit is completed, and the internal communication unit reads 7. The automatic transaction apparatus according to claim 5, wherein difference information between the transaction information and the transaction history information is stored in the wireless tag via the internal communication unit.   The display control unit determines that the communication is performed when predetermined polling is performed between the communication unit and the wireless tag. The automatic transaction apparatus of Claim 1. An automatic transaction system for conducting financial transactions,
A transaction history information storage unit for storing transaction history information in which the contents of the financial transaction for a customer account are recorded in association with customer information for identifying the customer account;
A management device comprising:
A communication unit that reads transaction information regarding the contents of the financial transaction stored in a wireless tag included in a predetermined transaction medium and the customer information by communication with the wireless tag;
Based on the customer information read by the communication unit, the transaction history information stored in the transaction history information storage unit and corresponding to the customer information is acquired, and the transaction information and the transaction history information read by the communication unit are acquired. And a transaction information update unit that stores the difference information with the wireless tag via the communication unit,
It is determined whether or not the communication by the communication unit is performed. When it is determined that the communication is not performed, a predetermined normal transaction screen is displayed on the display unit, and when it is determined that the communication is performed, A transaction information confirmation screen including the transaction information read by the communication unit is displayed on the display unit, and the transaction information stored in the wireless tag is updated by the transaction information update unit during display of the transaction information confirmation screen. And a display control unit that includes the difference information in the transaction information confirmation screen and displays the information on the display unit,
An automatic transaction apparatus comprising:
An automatic transaction system characterized by comprising: A method for displaying a screen of an automatic transaction apparatus for performing a financial transaction,
The communication unit reads transaction information related to the contents of the financial transaction stored in the wireless tag included in the predetermined transaction medium by communication with the wireless tag,
The display control unit determines whether or not the communication by the communication unit is performed, and when it is determined that the communication is not performed, a predetermined normal transaction screen is displayed on the display unit and the communication is performed. When it is determined that there is a transaction information confirmation screen including the transaction information read by the communication unit is displayed on the display unit,
A screen display method characterized by that.

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