JP5550324B2 - Automatic transaction apparatus and its fee display method - Google Patents

Description

  The present invention relates to an automatic transaction apparatus that is installed in a financial institution or the like and performs transactions by customer operations.

  Conventionally, in an automatic transaction apparatus installed in a financial institution or the like, a transaction is performed by a customer's operation. However, some customers are accustomed to operating an automatic transaction apparatus, and some are unaccustomed. In particular, in a transfer transaction using an automatic transaction apparatus, in addition to the transfer amount, a transfer destination financial institution name, a branch name, a transfer destination account number, and the like are input as information on the transfer destination using a touch panel. As described above, when the operation becomes complicated, it takes a long time for the customer to occupy the automatic transaction apparatus. As a financial institution, the shorter the time that the customer occupies the automatic transaction apparatus, the better the service to the customer. Therefore, a technique for shortening the time for the customer to occupy the automatic transaction apparatus is required.

  Japanese Patent Laid-Open No. 2009-205514 (Patent Document 1) discloses a technique for giving points to a customer according to the occupied time for the purpose of shortening the operation time of the customer of the automation device and shortening the waiting time of the subsequent customer. It is disclosed. According to Patent Document 1, the point is calculated in a server, and the calculated point is associated with customer identification information and accumulated in a customer database connected to the server.

JP 2009-205514 A

  However, according to the technique disclosed in Patent Document 1, the granting of points as a service of a financial institution is accumulated in a server of the financial institution. Therefore, the point grant service is good for all the automatic transaction apparatuses in the financial institution to provide the same service, but there is a problem that it is difficult to perform the service for each branch or for each automatic transaction apparatus.

  The problem to be solved by the present invention is to reduce the customer's occupation time of the automatic transaction apparatus to reduce the waiting time of the following customer, and to set the service for each branch in the financial institution or for each automatic transaction apparatus. It is possible to do.

In order to solve the above-mentioned problems, an automatic transaction apparatus according to the present invention includes a clerk operation display unit that can be set and operated by a clerk in an automatic transaction apparatus in which a customer occupies a transaction and the customer bears a fee based on the transaction The setting items that can be selected as to how the customer should occupy the occupation time occupied by the automatic transaction apparatus by the input to the clerk operation display unit, and whether the measured occupation time is within the time. and fees exemption setting means for setting a set time be set separately in order to determine the occupancy time measuring means for measuring the occupation time based on the setting item of the occupancy time by the fee exemption setting means, the occupancy when the time measuring means the occupation time measured is within the set time, wherein the control unit determines that the exemption the burden of the fee It is intended to.

  According to the present invention having the above configuration, the automatic transaction apparatus is provided with the fee reduction / exemption setting means and the occupation time measurement means, and the fee is exempted when the occupation time measured by the occupation time measurement means is within a predetermined set time. Since a control unit for determining this is provided, it is possible to set a service for each branch in the financial institution or for each automatic transaction apparatus, and further, the customer of the automatic transaction apparatus comes to reduce the occupation time, As a result, it is possible to shorten the waiting time of the subsequent customer, and to provide an automatic transaction apparatus that contributes to improvement of service to the customer.

It is a functional block diagram which shows the function of the control part of the automatic transaction apparatus regarding 1st Embodiment. It is a block diagram which shows the structure of the automatic transaction apparatus regarding 1st Embodiment. It is a flowchart which shows the commission reduction / exemption setting operation | movement by a staff. It is explanatory drawing which shows the setting screen displayed on a staff operation display part. It is a flowchart which shows the operation | movement of transfer transaction. It is a flowchart which shows the operation | movement of transfer transaction. It is explanatory drawing which shows the operation screen displayed on a customer operation display part. It is explanatory drawing which shows a transfer commission table | surface. It is a block diagram which shows the structure of the automatic transaction apparatus regarding 2nd Embodiment. It is explanatory drawing which shows the setting time setting screen displayed on a staff operation display part. It is explanatory drawing which shows the result display screen displayed on a customer operation display part.

<First Embodiment>
Hereinafter, a first embodiment of the present invention will be described. FIG. 2 is a block diagram showing the configuration of the automatic transaction apparatus according to the first embodiment. Reference numeral 1 denotes an automatic transaction apparatus (hereinafter referred to as ATM) installed in a bank or other financial institution or convenience store, and is connected to a host computer as a host apparatus provided in the center of the financial institution via a communication line. To communicate information.

  Reference numeral 10 denotes a control unit that controls each part of the ATM 1 and executes a transaction. The control unit 10 is connected to the storage unit 6 and operates according to a control program stored in the storage unit 6. Moreover, the control part 10 can write the data required for each process in the memory | storage part 6, and can read from the memory | storage part 6 as needed. The control unit 10 is connected to a host computer (not shown) via the communication unit 18 and exchanges information regarding various transactions. The storage unit 6 includes a RAM, a ROM, a hard disk, and the like, and includes a control program for controlling the operation of the entire ATM 1, information necessary for various transactions such as a fee table 80 described later, a customer operation display unit 3 described later, Image information to be displayed on the clerk operation display unit 4 is stored.

  Reference numeral 12 denotes a banknote deposit / withdrawal unit for processing banknotes, which accepts banknotes inserted from a banknote insertion / return port (not shown) by a customer, and further sets banknotes to be paid to the customer into a banknote insertion / return port. . Reference numeral 13 denotes a coin deposit / withdrawal unit for processing coins, which accepts coins inserted from a coin insertion / return port (not shown) by a customer, and further pays out coins paid to the customer and sets them in the coin insertion / return port. .

  Reference numeral 14 denotes a card reader / writer that reads information on a cash card inserted by a customer from a card insertion slot (not shown), ejects the information from the card insertion slot at the end of the transaction, and returns it to the customer. Reference numeral 15 denotes a receipt printing unit for issuing a receipt issued to a customer. The receipt printing unit 15 prints the transaction details and discharges the receipt from the card insertion slot when the transaction ends. Reference numeral 16 denotes a passbook printing unit which prints transaction contents on a passbook inserted by a customer through a passbook insertion slot (not shown), discharges the passbook from the passbook insertion slot, and returns it to the customer.

  Reference numeral 3 denotes a customer operation display unit for customer transaction operations. The customer operation display unit 3 is composed of a combination of a display unit such as an LCD and a position detection unit such as a touch panel. The customer operation display unit 3 displays a transaction guide screen for a customer to perform a transaction operation. To get. The customer input data is sent to the control unit 10 for processing. The customer operation display unit 3 switches and displays various screens 51 to 55 to be described later according to instructions from the control unit 10.

  Reference numeral 4 denotes an attendant operation display unit for setting an attendant. Similarly, the clerk operation display unit 4 is composed of a combination of a display unit such as an LCD and a position detection unit such as a touch panel, and displays a setting screen for maintenance and repair. To get. The input data of the clerk is sent to the control unit 10 for processing. The clerk operation display unit 4 switches and displays a setting time setting screen 31 and a setting item setting screen 32 to be described later according to an instruction from the control unit 10.

  FIG. 1 is a functional block diagram showing functions of the control unit 10 of the automatic transaction apparatus according to the first embodiment. Each control means of the control unit 10 operates according to the control program stored in the storage unit 6 as described above.

  The customer operation display control means 23 displays various transaction guidance screens in a predetermined order on the customer operation display unit 3 under the control of the function control unit 20. Then, the input information operated by the customer is transmitted to the function control unit 20. In this embodiment, the customer operation time may be important. For example, as will be described later, with regard to the customer operation time t1 at the time of transaction selection, from the time when the transaction selection screen is displayed on the customer operation display unit 3 to the time when the customer presses any transaction selection button, Time t1 is reached. The customer operation display control means 23 transmits to the function control unit 20 that the customer has pressed an arbitrary transaction selection button.

Under the control of the function control unit 20, the clerk operation display control means 24 displays a setting time setting screen 31, a setting item setting screen 32 setting screen, and other maintenance screens, which will be described later, on the clerk operation display unit 4 in a predetermined order. Data input to the clerk operation display unit 4 by the clerk is transmitted to the function control unit 20 by the clerk operation display control means 24.

  The fee reduction / exemption setting means 25 is a setting item for setting how the customer should occupy the occupation time occupied by the automatic transaction apparatus, and a setting for determining whether the measured occupation time is within the time. Set time and time. The setting item of the occupation time includes setting that the measurement start time is either the time when the transaction selection screen is displayed or the time when the customer selects the type of transaction from the transaction selection screen. Furthermore, the setting item of the occupation time includes setting either the total time of only the customer's operating time or the time of the entire transaction including the customer's operating time.

The fee reduction / exemption setting means 25 can set the number of transactions and the set time for a plurality of transactions of the same type. Further, the fee reduction / exemption setting means 25 can have a different setting time for each type of transaction. The reason why the set time is different for each type of transaction is that the operation procedure is different for each type of transaction. Clerk, by operating the staff operating the display unit 4, and inputs the set time and these setting items.

  The occupation time measuring means 26 measures the time that the customer has occupied the ATM 1 based on the setting items set by the staff via the fee reduction / exemption setting means 25. The occupation time measuring unit 26 is connected to the timer 11 and transmits the measured measurement time to the function control unit 20. It is determined whether or not the fee should be reduced (exempted in this embodiment, that is, “free”) by the function control unit 20 whether or not the occupation time when the customer occupies ATM1 is within the set time range. Determined.

  The drive control means 27 performs drive control of opening and closing of a shutter (not shown) of a bill insertion / return port of the banknote deposit / withdrawal unit 12 and a shutter (not shown) of a coin insertion / return port of the coin deposit / withdrawal unit 13. Further, drive control of a drive motor (not shown) such as a bill transport roller of the banknote deposit / withdrawal unit 12 and a drive motor (not shown) such as a coin transport belt of the coin deposit / withdrawal unit 13 is performed. These controls are performed in the case of a deposit transaction or a withdrawal transaction under the control of the function control unit 20.

  The read / write control means 28 performs control for reading the magnetic stripe of the cash card or the IC chip of the IC cash card by the card reader / writer 14. These controls are performed in the case of a deposit transaction, a withdrawal transaction, a transfer transaction, or the like under the control of the function control unit 20. The print control unit 29 performs control for printing on a receipt by the receipt printing unit 15 and printing on a passbook by the passbook printing unit 16. These controls are performed in the case of a deposit transaction, a withdrawal transaction, and a passbook transaction under the control of the function control unit 20.

FIG. 3 is a flowchart showing the fee reduction / exemption setting operation by the staff. Clerk, by operating the staff operating the display unit 4, and inputs the setting time and the setting item from the set time setting screen 31 and the setting item setting screen 32.

  S101: The function control unit 20 of the control unit 10 displays the set time setting screen 31 on the clerk operation display unit 4 by controlling the clerk operation display control means 24. FIG. 4 is an explanatory diagram showing a setting screen displayed on the clerk operation display unit 4, and FIG. 4A shows a setting time setting screen 31. On the set time setting screen 31, first, it is urged to set a set time for determining whether or not the measured occupied time is within the time. That is, if the occupancy time when the customer occupies ATM1 is within the set time, the fee is free. The set time can be set for each type of transaction 33, that is, for each deposit transaction, withdrawal transaction, balance inquiry, and transfer transaction. The unit of the set time is seconds, and the input can be made from the numeric key 34. Here, for example, the attendant can set 45 seconds for the transfer transaction 33-2. When the clerk selects the next page button 36, the clerk operation display control means 24 proceeds to step 102.

  S102: Next, the function control unit 20 displays the setting item setting screen 31 by controlling the clerk operation display control means 24. FIG. 4B shows a setting item setting screen 32. The setting item setting screen 32 displays a message prompting the user to set whether or not to display elapsed time on the transaction screen operated by the customer. When the attendant presses the “necessity” button 41, the elapsed time 57 is displayed on the transaction screen operated by the customer, as will be described later.

  Further, the setting item setting screen 32 displays setting items for setting how the customer should occupy the occupation time occupied by the automatic transaction apparatus. That is, first, a display prompting selection of the start and end of the measurement time for measuring the occupation time is displayed. It is set that the measurement start time is either the time when the transaction selection screen is displayed or the time when the customer selects the type of transaction from the transaction selection screen. When selecting from the point in time when the transaction selection screen 51 is displayed until the end of the transaction, the clerk presses the button 43, and when selecting the type of transaction until the end of the transaction, the clerk presses the button 42. Press. Here, for example, when the button 42 is pressed, the measurement time starts when the customer presses the transaction selection button 56 on the transaction selection screen 51.

  Further, on the setting item setting screen 32, a display prompting selection of details of the measurement time for measuring the occupation time is displayed as a setting item. That is, either the total time of only the customer's operating time or the time of the entire transaction including the customer's operating time is set. When measuring only the operation time of the customer, the clerk presses the button 44, and when measuring the entire transaction, the clerk presses the button 45. When the button 44 is pressed here, the occupation time measuring means 26, in the operation described later, after the transaction screen in a series of transactions is displayed, the customer's operation time until the customer actually presses each button, that is, Times t1 to t7 are measured. When returning to the previous page, the attendant presses the previous page button 46, and when ending, presses the end button 37.

  S103: After the set time and the set item are set, when the clerk presses the end button 37, the function control unit 20 controls the clerk operation display control means 24 to store the set time and the set item in the storage unit 6. Store.

  Next, taking the transfer transaction as an example, the operation of the automatic transaction apparatus according to the first embodiment will be described. 5 and 6 are flowcharts showing the operation of the transfer transaction. In the setting operation by the clerk, the setting time of the transfer transaction is 45 seconds, the elapsed time display is “Yes”, the measurement time is from the start of the transaction to the end of the transaction, and the details of the measurement time are the entire transaction time . In the figure, times t1 to t7 indicate customer operation times.

S201, S202: The function control unit 20 displays the transaction selection screen 51 shown in FIG. 7A on the customer operation display unit 3 by controlling the customer operation display control means 23. The transaction selection screen 51 prompts the customer to press the transaction button 56 of the transaction desired by the customer. At the same time, the function control unit 20 instructs the occupation time measuring means 26 to start the measurement time. The occupation time measuring means 26 obtains the current time from the timer 11 and starts measuring the occupation time. FIG. 7 is an explanatory diagram showing an operation screen displayed on the customer operation display unit 3. An elapsed time display unit 57 is provided at the lower right of each screen, and displays the elapsed time from the start of the measurement time. Thereby, the customer can operate while checking the elapsed time.

  S203: The function control unit 20 controls the customer operation display control means 23 to monitor the pressing of the transaction button 56 on the customer operation display unit 3. When the customer presses the transfer transaction button 56-2, the process proceeds to step 205. When the customer presses the transaction button 56 other than the transfer transaction, the process proceeds to another transaction in step 204.

  S205: When the customer depresses the transfer transaction button 56-2, the function control unit 20 controls the customer operation display control means 23, whereby the card shown in FIG. 7B as an operation instruction screen on the customer operation display unit 3 is displayed. An insertion screen 52 is displayed. The card insertion screen 52 is a screen that prompts the customer to insert a cash card of a financial institution. As shown in FIG. 5B, the elapsed time display unit 57 indicates that the elapsed time so far is 5 seconds.

  S206: The function control unit 20 monitors the insertion of the cash card by controlling the drive control means 27. When the drive control unit 27 detects the insertion of the cash card, the process proceeds to step 208, and when the customer does not insert the cash card within a predetermined time, the process proceeds to another process in step 207.

  S208: When the customer inserts the cash card, the function control unit 20 controls the customer operation display control means 23, so that the customer operation display unit 3 is reading the cash card shown in FIG. A screen 53 is displayed. As shown in FIG. 5C, the elapsed time display unit 57 indicates that the elapsed time so far is 15 seconds. At the same time, the drive control means 27 detects the cash card, drives a motor (not shown), and takes in the cash card. Then, the read / write control means 28 reads the cash card information from the card reader / writer. Thereafter, the function control unit 20 controls the customer operation display control means 23 to display a password input screen (not shown) as an operation instruction screen on the customer operation display unit 3.

  S209: The function control unit 20 controls the customer operation display control means 23 to monitor the input of the personal identification number. When the customer operation display control unit 23 detects the input of the password, the process proceeds to step 211, and when the input of the password is not correct by the customer, the process proceeds to another process in step 210.

  S211: When the customer inputs the personal identification number, the function control unit 20 controls the customer operation display control means 23 to display a personal identification number inquiry screen (not shown) on the customer operation display unit 3 as the apparatus operating screen. Thereafter, the function control unit 20 controls the customer operation display control means 23 to display a transfer destination selection screen (not shown) as an operation instruction screen on the customer operation display unit 3.

  S212: The function control unit 20 controls the customer operation display control means 23 to monitor the transfer destination selection input. When the customer operation display control means 23 detects the input of the transfer destination, the process proceeds to step 214, and when the input of the transfer destination is not correct, the process proceeds to another process in step 213.

  S214: When the customer inputs the transfer destination, the function control unit 20 controls the customer operation display control means 23 to display a client name input screen (not shown) as an operation instruction screen on the customer operation display unit 3.

  S215: The function control unit 20 monitors the input of the client name by controlling the customer operation display control means 23. When the customer operation display control unit 23 detects the input of the client name, the process proceeds to step 217. When the client name input is not correct, the process shifts to another process in step 216.

  S217: When the customer inputs the client name, the function control unit 20 controls the customer operation display control means 23 to display a transfer amount input screen (not shown) as an operation instruction screen on the customer operation display unit 3.

  S218: The function control unit 20 monitors the input of the transfer amount by controlling the customer operation display control means 23. When the customer operation display control means 23 inputs the transfer amount, the process proceeds to step 220, and when the transfer amount input is not correct, the process proceeds to another process in step 219.

  S220: When the customer correctly inputs the transfer amount, the function control unit 20 controls the customer operation display control unit 23 to display a host communication screen (not shown) on the customer operation display unit 3 as an apparatus operating screen. At the same time, the function control unit 20 controls the communication unit 18 to exchange transfer information with a host (not shown).

  S221: When the communication with the host is completed, the function control unit 20 controls the customer operation display control means 23 to display a transfer information confirmation screen (not shown) as an operation instruction screen on the customer operation display unit 3. FIG. 8 is an explanatory view showing a transfer fee table 80. This transfer fee table 80 is stored in the host. The transfer fee is displayed on the transfer information confirmation screen in step 211, and the data of the transfer fee is transmitted from the host.

  S222: The function control unit 20 monitors the confirmation input by controlling the customer operation display control means 23. When the customer operation display control means 23 inputs confirmation, the process proceeds to step 224. When the confirmation input is not correct, the process proceeds to other processing in step 223.

  S224: When the customer inputs confirmation, the function control unit 20 controls the customer operation display control means 23 to display a transfer transaction executing screen (not shown) on the customer operation display unit 3 as an apparatus operating screen. At the same time, it instructs the host to execute the transfer transaction.

  S225: Thereafter, the function control unit 20 controls the customer operation display control means 23 to display the card discharge screen 54 shown in FIG. 7D as an operation instruction screen on the customer operation display unit 3. At the same time, the function control unit 20 controls the drive control unit 27 to rotate the motor 21 to discharge the cash card and control the print control unit 29 to issue and discharge the receipt by the receipt printing unit 15. As shown in FIG. 4D, the elapsed time display unit 57 indicates that the elapsed time so far is 40 seconds.

S226: Thereby, since the transfer transaction is completed, the function control unit 20 ends the measurement of the occupation time by controlling the occupation time measuring means 26 . The occupation time measuring unit 26 transmits the measurement time to the function control unit 20.

S227: The function control unit 20 compares the measurement time (40 seconds) measured by the occupation time measurement unit 26 with the set time (45 seconds) set by the fee reduction / exemption setting unit 25 . When the measurement time is within the set time (45 seconds), the process proceeds to step 228, and when the set time is exceeded, nothing is done.

  S228: When the measurement time is within the set time, the function control unit 20 controls the customer operation display control screen 23 to display the result display screen 55 shown in FIG. 7 (e) on the customer operation display unit 3. To do. The result display screen 55 displays "The transfer transaction has been completed within the time, so this fee will be free."

  In the first embodiment, the case where the details of the measurement time are the total transaction time has been described. However, when the detailed setting of the measurement time by the clerk is set only for the operation time of the customer, the occupied time measurement means 26 measures the times t1 to t7 shown in the flowcharts of FIGS.

  That is, the time t1 is from the time when the transaction selection screen 51 of step 201 is displayed to the time when the customer of step 203 detects that the transaction button 56 is pressed. Time t2 is from the time when the card insertion screen 52 in step 205 is displayed to the time when the insertion of the cash card in step 206 is detected. The time t3 is from the time when the password input screen (not shown) at step 208 is displayed to the time when the input of the password at step 209 is detected. Time t4 is from the time when the transfer destination selection screen (not shown) at step 211 is displayed to the time when the input of the transfer destination at step 212 is detected. Time t5 is from the time when the client name input screen (not shown) in step 214 is displayed to the time when the input of the client name in step 215 is detected. Time t6 is from the time when the transfer amount input screen (not shown) at step 217 is displayed to the time when the input of the transfer amount at step 218 is detected. Time t7 is from the time when the transfer information confirmation screen (not shown) at step 221 is displayed to the time when the confirmation input at step 222 is detected.

  As described above, according to the first embodiment, it is possible to set the service for each ATM 1 installed in the financial institution, and further, the ATM 1 customer can reduce the occupation time, and as a result, the subsequent Customer waiting time can be reduced.

<Second Embodiment>
Next, a second embodiment will be described. FIG. 9 is a block diagram showing the configuration of the automatic transaction apparatus according to the second embodiment. The same components as those in the first embodiment are denoted by the same reference numerals, and the description thereof is omitted. The difference from the first embodiment is that the control unit 60 has a transaction counter 51. The transaction number counter means 51 stores the number of transactions set by an attendant and counts the number of transactions by the customer. Then, it outputs to the function control unit 70 whether or not it is within the set number of transactions.

Since the setting operation by the staff is the same as that of the first embodiment, it will be described with reference to FIG.
S101: The function control unit 70 of the control unit 60 displays the set time setting screen 71 shown in FIG. 10 on the clerk operation display unit 4 by controlling the clerk operation display control means 24. FIG. 10 is an explanatory diagram showing a set time setting screen displayed on the clerk operation display unit 4. On the set time setting screen 71, first, it is urged to set a set time when the fee is free. That is, if the occupancy time when the customer occupies ATM1 is within the set time, the fee is free. The set time can be set for each type of transaction 33, for example, deposit transaction, withdrawal transaction, balance inquiry, and transfer transaction. The unit of the set time is second, and the input is input from the numeric keypad 34.

  Next, the clerk inputs the number of transactions and the total transaction time of the continuous transaction fee free setting time. That is, when the customer has a plurality of transactions, if the number of transactions performed by the customer is within the set number of times and the occupation time of the customer occupying the ATM 1 is within the set time, the fee is free. When the clerk selects the next page button 36, the clerk operation display control means 24 proceeds to step 102. Subsequent operations are the same as those in the first embodiment, and a description thereof will be omitted.

  Next, taking the transfer transaction as an example, the operation of the automatic transaction apparatus according to the second embodiment will be described. In the setting operation by the staff, it is assumed that the number of transactions is set to “2 times” and the set time is “100”. In this case, if the customer completes the transaction twice in total within 100 seconds, the fee is determined to be free.

If 30 seconds have elapsed in the first transaction and 40 seconds have elapsed in the second transaction, the customer is within 100 seconds in a total of two transactions. Accordingly, the function control unit 70 controls the clerk operation display control means 24 to display the result display screen 55 shown in FIG. 11 on the clerk operation display unit 4. FIG. 11 is an explanatory diagram showing a result display screen displayed on the customer operation display unit 3.

  Also, if 40 seconds have elapsed in the third transaction, the total of three transactions exceeds 100 seconds. In this case, only the third transaction may be charged, or the third transaction may be free of charge, and the next day transfer transaction may be charged.

  In the above embodiment, the case where the fee is “free” has been described, but the present invention is not limited to this. That is, the fee may be reduced. The amount to be reduced may be a fixed reduction or a fixed reduction rate with respect to the transfer fee table 80 shown in FIG. These are set by the fee reduction / exemption setting means 25. That is, the clerk operation display control means 24 can control the clerk operation display unit 4 to set the amount to be reduced by a reduction setting screen (not shown). In this case, the transfer fee table 80 may be stored in the storage unit 6 of the ATM 1. The function control unit 70 may read the corresponding regular amount in the transfer fee table 80 stored in the storage unit 6 and calculate the fee to be reduced. This makes it possible to set a service for each ATM 1 installed in the financial institution.

1 ATM
3 Customer operation display unit 4 Clerk operation display unit 10 Control unit 11 Timer 23 Customer operation display control unit 24 Clerk operation display control unit 25 Fee reduction / exemption setting unit 26 Occupied time measurement unit 31 Setting time setting screen 32 Setting item setting screen

Claims (5)

In an automatic transaction apparatus in which a customer occupies a transaction and the customer bears a fee based on the transaction,
An clerk operation display unit that can be set by the clerk,
A setting item that allows selection of how the customer should occupy the occupation time occupied by the automatic transaction apparatus, and whether or not the measured occupation time is within the time by input to the clerk operation display unit A fee reduction / exemption setting means for setting a set time to be set individually ,
And occupancy time measuring means for measuring the occupation time based on the setting item of the occupancy time by the fee exemption setting means,
When said occupancy time measuring means and the occupation time that is measured is within the set time, the automatic teller machine characterized in that it comprises a control unit determines that the exemption the burden of the fee. The fee reduction / exemption setting means can set a continuous transaction setting number of times and a total transaction setting time ,
If the number of continuous transactions performed by the customer is within the set number of continuous transactions, and the occupied time in the continuous transactions measured by the occupied time measuring means is within the range of the total transaction set time, the control unit, The automatic transaction apparatus according to claim 1, wherein a reduction or exemption of a fee burden is determined . Claims and setting items of the occupancy time, the time of the start of the measurement, from said transaction selection time window displaying or transaction selection screen customer, characterized in that at any time you select the type of transaction The automatic transaction apparatus according to 1 or 2. Wherein the setting item of the occupied time, automatic according to claim 1 or 2, characterized in that said either of the total time or total transactions including the customer's operation during the time period of the operation in time only customers Trading device. Wherein the setting time set by the fee exemption setting means, the automatic transaction apparatus according to claim 1 or 2, wherein it is possible to set for each type of the transaction.

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