JP5640850B2 - Automatic transaction apparatus and program for realizing the automatic transaction apparatus - Google Patents

Description

  The present invention relates to an automatic transaction apparatus that is used in a financial institution, a distribution institution, or the like, and displays a fee amount on a display unit when performing various transactions with a host computer, and a program that realizes the automatic transaction apparatus .

  2. Description of the Related Art Conventionally, financial institutions, distribution institutions, and the like use automatic transaction apparatuses that perform various transactions such as balance inquiry, deposit, withdrawal, and transfer with a host computer based on customer operations.

  As a conventional automatic transaction apparatus, there is an apparatus that displays a table (hereinafter referred to as “fee table”) indicating a fee amount classified by a transaction day of the week and a time zone schedule on the display unit at the start of a customer operation. (For example, refer to Patent Document 1).

  In Embodiments 2 and 3 of Patent Document 1, a technique for changing the fee amount display method according to a customer request (specifically, “fee only” is displayed with customer information registered in advance). Technology to prevent the fee amount from being displayed on the display section when the information to that effect is registered and the fee amount for the current transaction (hereinafter referred to as “current transaction”) is “0 yen” ) Is also disclosed.

JP 2008-171226 A (FIG. 4B, FIG. 5, FIG. 6)

  As described below, the conventional automatic transaction apparatus has (1) a problem that it is desired to be able to present the amount of the commission of the current transaction to the customer, and (2) annoyance to some customers. There was a problem that there was a case of making it feel, and (3) there was a problem that some customers might feel anxiety.

  That is, the conventional automatic transaction apparatus is configured to display on the display unit a fee table that represents the amount of fee divided according to the day of the week and the schedule of the time zone. However, the fee table is configured so that it is difficult for the customer to determine how much the actual transaction fee is. For this reason, it has been desired that the conventional automatic transaction apparatus can present the amount of commission for the current transaction to the customer.

  In addition, the price list is not clearly shown if the time zone or fee amount for collecting the fee is changed immediately before the transaction. For this reason, the customer may instruct the transaction without noticing the change of the time zone and the fee amount. For this reason as well, it has been desired that the conventional automatic transaction apparatus can present the amount of the commission for the current transaction to the customer.

  In addition, the conventional automatic transaction apparatus always performs a charge table display process and a fee amount confirmation process when performing a transaction. For this reason, the conventional automatic transaction apparatus may make the customer who feels troublesome to display the fee table and the fee amount confirmation process feel uncomfortable.

  Furthermore, if the customer clears the preferential conditions, the transaction may not generate a fee. However, the conventional automatic transaction apparatus displays the fee table for customers who have cleared the preferential conditions, as with the customers under normal conditions. Therefore, the conventional automatic transaction apparatus may make the customer who has cleared the preferential conditions feel uneasy.

  Note that, as described above, Patent Literature 1 discloses a technique for changing a fee display method according to a customer's request. However, this technique has a problem that the customer is burdened because the customer needs to perform the setting information registration operation in advance. In addition, this technique has a problem in that the fee display cannot be redisplayed because the fee display cannot be automatically switched when the fee condition is changed.

  The present invention has been made to solve the above-described problems, and provides an automatic transaction apparatus that displays a current transaction fee only when necessary and hides a current transaction fee when unnecessary. The main purpose.

  In order to achieve the above object, the first invention is an automatic transaction apparatus for performing a transaction with a host computer based on a customer's operation, and includes a display unit for displaying various types of information and a current transaction fee. If this occurs, based on the current transaction fee amount and the past transaction fee amount, the current transaction fee amount is displayed as information to be displayed on the display unit, or is not displayed on the display unit. A fee display determination unit that determines whether to display information is used.

  In this automatic transaction apparatus, the fee display determination unit determines whether the fee for the current transaction is set as display information or non-display information. Therefore, the automatic transaction apparatus can display the current transaction fee only when necessary, and can hide the current transaction fee when unnecessary.

Further, the second invention is a program, in which a control unit of an automatic transaction apparatus that performs a transaction with a host computer based on a customer's operation is provided with a current transaction fee when a current transaction fee is generated. Based on the amount and the fee amount of the past transaction, the current transaction fee is configured to function as a fee display determination unit that determines whether or not to display non-display information that is not displayed on the display unit.
This program realizes the automatic transaction apparatus according to the first invention.

According to the first invention, it is possible to provide an automatic transaction apparatus that displays a current transaction fee only when necessary and hides a current transaction fee when unnecessary.
According to the second invention, a program for realizing the automatic transaction apparatus according to the first invention can be provided.

It is a figure which shows the structure of the automatic transaction apparatus which concerns on Embodiment 1. FIG. It is a flowchart (1) which shows operation | movement of the automatic transaction apparatus which concerns on Embodiment 1. FIG. It is a flowchart (2) which shows operation | movement of the automatic transaction apparatus which concerns on Embodiment 1. FIG. It is a figure which shows an example of a transaction selection screen. It is a figure which shows an example of customer information. It is a figure which shows an example of a fee confirmation screen. It is a figure which shows an example of a fee schedule screen. It is a flowchart (1) which shows operation | movement of the automatic transaction apparatus which concerns on Embodiment 2. FIG. It is a flowchart (2) which shows operation | movement of the automatic transaction apparatus which concerns on Embodiment 2. FIG. It is a figure which shows an example of a display screen.

  Hereinafter, an embodiment of the present invention (hereinafter referred to as “the present embodiment”) will be described in detail with reference to the drawings. Each figure is only schematically shown so that the present invention can be fully understood. Therefore, the present invention is not limited to the illustrated example. Moreover, in each figure, the same code | symbol is attached | subjected about the common component and the same component, and those overlapping description is abbreviate | omitted.

[Embodiment 1]
<Configuration of automatic transaction equipment>
Hereinafter, with reference to FIG. 1, it demonstrates per structure of the automatic transaction apparatus which concerns on this Embodiment 1. FIG. FIG. 1 is a diagram illustrating a configuration of an automatic transaction apparatus according to the first embodiment.

  As shown in FIG. 1, an automatic transaction apparatus (hereinafter referred to as “ATM”) 1 according to Embodiment 1 is connected to a host computer 2 via a communication line 3. The ATM 1 is a device that is used in a financial institution, a distribution institution, or the like and performs various transactions with the host computer 2.

  The ATM 1 includes a control unit 11, a storage unit 12, a display operation unit 13, a card reader / writer 14, a deposit / withdrawal unit 15, and a statement slip printer 16.

  The control unit 11 is a component that controls the operation of each unit of the ATM 1. The control unit 11 is configured by a CPU. The control unit 11 functions as a display operation control unit 11a, a customer information handling unit 11b, a fee display determination unit 11c, and a transaction processing control unit 11d.

  The display operation control unit 11 a is a functional unit that controls the operation of the display operation unit 13. The display operation control unit 11 a displays various screens on the display operation unit 13 or detects a customer operation input from the display operation unit 13.

  The customer information handling unit 11 b is a functional unit that acquires information about customers (hereinafter referred to as “customer information”) 91 from the host computer 2 and registers the customer information 91 in the host computer 2. Each time the host computer 2 executes a transaction, customer information 91 of each customer who has performed the transaction is stored in the database 4. Accordingly, the database 4 stores customer information (hereinafter referred to as “customer information of past transactions”) 91 for a series of transactions performed in the past.

  The customer information 91 of the current transaction, which is the latest information, becomes the customer information 91 of the previous transaction at the next transaction, and further becomes the customer information 91 of the previous transaction at the next transaction. Hereinafter, when distinguishing each customer information 91 in time series, the customer information 91 of the current transaction is referred to as “customer information 91A (not shown) of the current transaction”, and the customer information 91 of the previous transaction is “the customer of the previous transaction”. Information 91B (not shown) ”, customer information 91 of the previous transaction is referred to as“ customer information 91C (not shown) of the previous transaction ”, and customer information 91 of the past transaction is referred to as“ customer information 91Z of the past transaction ”(FIG. Not shown).

  The fee display determination unit 11c determines whether the fee for the current transaction is “display information” or “non-display information” when the fee is generated in the transaction (that is, the fee for the current transaction). Functional means for determining whether or not display is necessary. The “display information” is information displayed on the display operation unit 13. On the other hand, “non-display information” is information that is not displayed on the display operation unit 13.

  The transaction processing control unit 11d is a functional unit that executes various transactions such as balance inquiry, deposit, withdrawal, and transfer with the host computer 2.

  The storage unit 12 is a component that stores various types of information and programs. The storage unit 12 includes a ROM, a RAM, an HDD, and the like. The storage unit 12 stores, for example, a control program 12a in advance. The control program 12a is a program that causes the control unit 11 to function as the display operation control unit 11a, the customer information handling unit 11b, the fee display determination unit 11c, and the transaction processing control unit 11d.

  The display operation unit 13 is a component having a display function such as a touch panel and an operation (input) function. The display operation unit 13 corresponds to a “display unit” recited in the claims. The display operation unit 13 may be separated into a display unit such as an LCD (Liquid Crystal Display) and an operation (input) unit such as a keypad.

  The card reader / writer 14 reads card information such as account number information from a storage medium possessed by a customer, such as a cash card, a transfer card, a bankbook, etc., and writes various information as card information to the storage medium. Is an element.

  The deposit / withdrawal unit 15 distinguishes money (banknotes or banknotes and coins) inserted by the customer during deposit transactions or transfer transactions and stores them in a safe (not shown), or during withdrawal transactions. It is a component that discharges money stored in a safe to a customer.

  The statement slip printer 16 is a component that prints statement slips representing various transaction histories and issues them to the customer.

  In such a configuration, each time the ATM 1 executes a transaction, the ATM 1 registers customer information 91 (see FIGS. 1 and 4) of each customer including a fee generated in the transaction in the database 4 of the host computer 2. At the time of the current transaction, the ATM 1 uses the customer information 91Z (not shown) of the past transaction registered in the database 4 of the host computer 2 (particularly, the customer information 91B (not shown) of the previous transaction) to It is determined whether the fee for the current transaction generated in the transaction is “display information” or “non-display information”. The ATM 1 displays a predetermined screen (here, the fee confirmation screen 62 (see FIG. 5)) based on the determination result, or skips (omits) the display of the predetermined screen. Is preferably induced.

<Operation of automatic transaction device>
The operation of ATM 1 will be described below with reference to FIGS. 2A and 2B. 2A and 2B are flowcharts illustrating the operation of the ATM 1 according to the first embodiment.

  ATM1 starts operation | movement by detecting a customer's approach with the sensor which is not shown in figure. At this time, for example, the ATM 1 displays a screen prompting insertion of the storage medium into the ATM 1 as an initial screen. Here, it is assumed that the customer inserts a cash card (not shown) into the card reader / writer 14 of the ATM 1 as a storage medium in order to start any kind of transaction. However, the customer can also insert a storage medium such as a transfer card or a passbook into the ATM 1 instead of the cash card.

  As shown in FIG. 2A, when the customer inserts a cash card into the ATM 1, the card reader / writer 14 detects the insertion of the cash card (S105). “Insert cash card” means that the customer has selected to start a transaction.

  When the card reader / writer 14 detects insertion of a cash card, the card reader / writer 14 reads card information from the cash card. Thereby, ATM1 acquires card information (S110). This card information includes customer account number information.

  When the ATM 1 acquires the card information, the display operation control unit 11a displays the transaction selection screen 61 (see FIG. 3) on the display operation unit 13 (S115). Thereby, ATM1 guides an input to a customer.

  FIG. 3 is a diagram illustrating an example of the transaction selection screen 61. The transaction selection screen 61 is a screen for allowing the customer to select the type of transaction processing to be executed. In the example shown in FIG. 3, the transaction selection screen 61 includes a “balance inquiry” button 61a, a “deposit” button 61b, and a “draw” button 61c. The transaction selection screen 61 may include buttons other than these (for example, a “transfer” button for selecting a transfer transaction).

The “Balance inquiry” button 61a is a button for selecting a balance inquiry transaction.
The “deposit” button 61b is a button for selecting a deposit transaction.
The “withdrawal” button 61c is a button for selecting a withdrawal transaction.

  The customer refers to the transaction selection screen 61, selects any one type of transaction processing as the current transaction, and presses a button corresponding to the selected transaction processing (hereinafter referred to as “selected transaction processing”). Here, it is assumed that the customer has pressed the “drawer” button 61c corresponding to the “drawer transaction”.

  When the customer presses the button corresponding to the selected transaction process, the ATM 1 detects the type of the selected transaction process based on the coordinate position of the pressed button (S120). Here, it is assumed that the display operation control unit 11a detects a “drawer” transaction as the type of the selected transaction process.

  When the display operation control unit 11a detects the type of the selected transaction process, the customer information handling unit 11b accesses the host computer 2 based on the account number information included in the card information acquired in S110. , Requesting transmission of customer information 91 (see FIG. 4) of the customer who is operating ATM1 (that is, customer information 91A (not shown) of the current transaction).

  FIG. 4 is a diagram illustrating an example of the customer information 91. In the example shown in FIG. 4, customer information 91 includes “account number”, “transaction ATM / year / month / day, hour / minute / second”, “fee amount”, “transaction day of the week (weekdays / holidays)”, “transaction time zone ( Morning, noon, night) ”and“ card issuing financial institution ”. In addition, the customer information 91 may include information other than these (for example, information such as account balance and whether or not preferential conditions are cleared).

The “account number” information represents an account number opened by the customer.
The “transaction ATM / year / month / day, hour / minute / second” information represents information for identifying the ATM 1 in which the transaction was executed (or executed), and the date / time and hour / minute / second of the transaction.
The “fee amount” information represents a fee amount.
The “transaction day of the week (weekdays / holidays)” information indicates whether the day of the transaction is a weekday or a holiday such as a Saturday, Sunday, or holiday.
The “transaction time zone (morning / daytime / night)” information represents a trading time zone.
The “card issuing financial institution” information represents a financial institution that has issued a card (which may be a passbook) used in the transaction.

  When the host computer 2 is requested to transmit the customer information 91 of the customer who is operating ATM1 from the ATM1 (the customer information 91A of the current transaction), the customer information 91 registered in the database 4 based on the account number information. Is read.

  Then, based on the read customer information 91, the host computer 2 determines whether or not the customer is a preferential customer who has cleared preferential conditions. For example, the host computer 2 determines whether the customer's balance exceeds the amount set as the preferential condition based on the customer account balance information which is a kind of the customer information 91, so that the customer is preferential. Determine if you are a customer.

  When the host computer 2 determines whether or not the customer is a preferential customer, the host computer 2 specifies the “fee amount” generated in the current transaction according to the determination result. Further, the host computer 2 extracts information used for the transaction from the read customer information 91. Then, the host computer 2 uses the information indicating the “fee amount” generated in the current transaction (hereinafter also referred to as “fee information 91a”) as the extracted information (hereinafter referred to as “extracted information”). Append. As a result, the host computer 2 generates customer information 91A for the current transaction.

  When the host computer 2 generates the customer information 91A for the current transaction, the host computer 2 transmits the customer information 91A for the current transaction to the ATM 1. As a result, the ATM 1 obtains the customer information 91A of the current transaction including the fee information 91a generated in the current transaction from the host computer 2 (S125).

  The fee information 91a generated in the current transaction becomes the fee information 91a generated in the previous transaction at the next transaction. Hereinafter, when each fee information 91a is distinguished in time series, the fee information 91a generated in the current transaction is referred to as “current transaction fee information 91aA (not shown)”, and the fee information 91a generated in the previous transaction is “ It is referred to as “previous transaction fee information 91aB (not shown)”.

  When the ATM 1 acquires the customer information 91A of the current transaction from the host computer 2, the fee display determination unit 11c generates the current transaction by referring to the fee information 91aA of the current transaction included in the customer information 91A of the current transaction. It is determined whether there is a handling fee (S130). “There is a fee incurred in the current transaction” means that there is a fee for the current transaction, and “No fee incurred in the current transaction” means that It means that the fee is free.

  When it is determined in S130 that there is a fee generated in the current transaction (in the case of “Yes”), ATM1 determines that the customer information handling unit 11b includes the account included in the card information acquired in S110. Based on the number information, the host computer 2 is accessed to request transmission of customer information 91B (not shown) of the previous transaction.

  When the host computer 2 is requested to transmit the customer information 91B of the previous transaction from the ATM 1, the host computer 2 reads the customer information 91 registered in the database 4 based on the account number information, and the information for the previous transaction in it. Is transmitted to ATM1 as customer information 91B of the previous transaction. The customer information 91B of the previous transaction transmitted at this time includes fee information 91aB of the previous transaction. As a result, the ATM 1 obtains the customer information 91B of the previous transaction including the fee information 91aB of the previous transaction from the host computer 2 (S135).

  When the ATM 1 acquires the customer information 91B of the previous transaction from the host computer 2, the fee display determination unit 11c refers to the fee information 91aB of the previous transaction included in the customer information 91B of the previous transaction, and is generated in the previous transaction. It is determined whether or not there is a charged fee (S140).

  When it is determined in S140 that there is a fee generated in the previous transaction (in the case of “Yes”), the fee display determination unit 11c is included in the customer information 91A of the current transaction acquired in S125. The fee information 91aA of the current transaction is compared with the fee information 91aB of the previous transaction included in the customer information 91B of the previous transaction acquired in S135, and it is determined whether or not both are the same amount (S145). .

  When it is determined in S145 that the fee information 91aA of the current transaction and the fee information 91aB of the previous transaction are the same amount (in the case of “Yes”), the fee display determination unit 11c The time zone is compared with the day and time zone of the previous transaction, and it is determined whether the current transaction and the previous transaction are the same day and time zone (S150).

  When it is determined in S150 that the current transaction and the previous transaction are in the same day and time (in the case of “Yes”), the process proceeds to S155 illustrated in FIG. 2B via “A”. Also, if it is determined in S130 that there is no fee generated in the current transaction (in the case of “No”), the process proceeds to S155 shown in FIG. 2B via “C”.

  In this case, the fee display determination unit 11c regards the fee information 91aA for the current transaction as non-display information, and determines whether to hide the fee for the current transaction (S155). Thereafter, the process proceeds to S195. In this case, the ATM 1 registers the customer information 91A of the current transaction in the database 4 of the host computer 2 including the fee information 91aA of the current transaction for which the fee amount of the current transaction is free in S195. In S200, transaction processing is executed with the host computer 2.

  If it is determined in S140 that there is no fee generated in the previous transaction ("No"), the fee information 91aA in the current transaction and the fee information 91aB in the previous transaction are the same amount in S145. If it is determined that the current transaction and the previous transaction are not in the same day and time (in the case of “No”) If this is the case, the process proceeds to S160 illustrated in FIG. 2B via “B”. In this case, the fee display determination unit 11c regards the current transaction fee information 91aA as display information, and determines display of the current transaction fee (S160).

  After S160, the fee display determination unit 11c outputs a fee display instruction for the current transaction to the display operation control unit 11a. In response to this, the display operation control unit 11a displays the fee confirmation screen 62 (see FIG. 5) for the current transaction on the display operation unit 13 (S165). Thereby, ATM1 guides an input to a customer.

  FIG. 5 is a diagram illustrating an example of the fee confirmation screen 62. In the example shown in FIG. 5, the fee confirmation screen 62 has an explanatory text indicating how much the fee amount is generated in the current transaction, a “charge table display” button 62a, a “confirmation” button 62b, and a “cancel” button. 62c is included.

  The “charge table display” button 62a is a button for causing the display operation unit 13 to display a charge table screen 63 (see FIG. 6) to be described later. The customer may want to see not only the fee amount for the current transaction, but also the fee amount that varies with the day of the week and the time of day. The ATM 1 is configured to be applied to such a case by displaying a “charge table display” button 62 a shown in FIG. 5 on the fee confirmation screen 62.

  The “confirm” button 62b is a button for informing the ATM 1 that the customer has confirmed (seen) the screen. In the ATM 1, when the “confirm” button 62 b is pressed by the customer, the transaction processing control unit 11 d executes a transaction with the host computer 2.

  The “cancel” button 62c is a button for canceling (stopping) the transaction. In the ATM 1, when the “cancel” button 62c is pressed by the customer, the transaction processing control unit 11d stops the transaction with the host computer 2, and the card reader / writer 14 returns the cash card to the customer.

  When the commission confirmation screen 62 for the current transaction is displayed on the display operation unit 13 in S165, the customer selects an arbitrary process from among the processes displayed on the commission confirmation screen 62 for the current transaction, and is selected. An input for instructing execution of the process is performed. Hereinafter, this operation is referred to as “selection input”. Here, the customer selects and presses one of the “charge table display” button 62a, the “confirmation” button 62b, and the “cancel” button 62c as “selection input”. In ATM1, when the customer presses any one button as “selection input”, the display operation control unit 11a detects the pressed button (S170), and based on the coordinate position of the pressed button, the input type Is determined (S175).

  In S175, when the pressed button is the “charge table display” button 62a (when the input type is “charge table display”), the process proceeds to S180. In S175, when the pressed button is the “confirm” button 62b (when the input type is “confirm”), the process proceeds to S195. In S175, when the pressed button is the “cancel” button 62c (when the input type is “cancel”), the process proceeds to S205.

  For example, when the pressed button is the “charge table display” button 62a in S175, the display operation control unit 11a displays the charge table screen 63 (see FIG. 6) on the display operation unit 13 (S180). FIG. 6 is a diagram illustrating an example of the charge table screen 63. The fee table screen 63 is configured to include a table indicating the fee amount divided by the day of the week and the schedule of the transaction, a “confirm” button 63b, and a “cancel” button 63c.

  The “confirm” button 63b is a button for informing the ATM 1 that the customer has confirmed (seen) the screen, as in the “confirm” button 62b (see FIG. 5). In the ATM 1, when the “confirm” button 63 b is pressed by the customer, the transaction processing control unit 11 d executes a transaction with the host computer 2.

  The “cancel” button 63c is a button for canceling (cancelling) the transaction in the same manner as the “cancel” button 62c (see FIG. 5). In the ATM 1, when the “cancel” button 63c is pressed by the customer, the transaction processing control unit 11d stops the transaction with the host computer 2, and the card reader / writer 14 returns the cash card to the customer.

  When the charge table screen 63 is displayed on the display operation unit 13 in S180, the customer presses one of the “confirm” button 63b and the “cancel” button 63c as “selection input”. In ATM1, when the customer presses one of the buttons, the display operation control unit 11a detects the pressed button (S185), and determines the input type based on the coordinate position of the pressed button (S190). ).

  In S190, when the pressed button is the “confirm” button 63b (when the input type is “confirm”), the process proceeds to S195. In S190, if the pressed button is the “cancel” button 63c (when the input type is “cancel”), the process proceeds to S205.

  For example, in S190, when the pressed button is the “confirm” button 63b, the display operation control unit 11a outputs the registration instruction of the customer information 91A of the current transaction to the customer information handling unit 11b, and the transaction instruction. Output to the transaction processing control unit 11d.

  When a registration instruction for the customer information 91A for the current transaction is input from the display operation control unit 11a, the customer information handling unit 11b sends a request for registration of the customer information 91A for the current transaction including the fee information 91aA for the current transaction to the host computer 2. Send to. As a result, the ATM 1 causes the host computer 2 to register the customer information 91A of the current transaction in the database 4 (S195).

Further, when a transaction instruction is input from the display operation control unit 11a, the transaction process control unit 11d transmits an execution request for the type of selected transaction process detected in S120 to the host computer 2. Thereby, ATM1 makes the host computer 2 perform selection transaction processing (S200). Even when the pressed button is the “confirm” button 62b in S175, the process proceeds to S195. Also after S155, the process proceeds to S195.

  After S200, the ATM 1 causes the card reader / writer 14 to discharge the cash card used for the transaction outside the ATM 1 and return it to the customer (S205). This ends the transaction. As a result, a series of routines ends.

  In this way, when a fee is generated in the current transaction, the ATM 1 receives from the host computer 2 the current transaction customer information 91A including the current transaction fee information 91aA and the previous transaction including the previous transaction fee information 91aB. Customer information 91B is acquired. Then, the ATM 1 uses the current transaction fee amount and the previous transaction fee amount as display information to be displayed on the display operation unit 13 or not displayed on the display operation unit 13. Determine whether to use information. Therefore, ATM1 can display the current transaction fee only when necessary, and can hide the current transaction fee when unnecessary.

  For example, if the fee amount is different between the current transaction and the previous transaction, or the day and time of the transaction are different, ATM1 regards the fee amount of the current transaction as display information, and displays the fee display processing (here, The display processing of the current transaction fee confirmation screen 62 (see FIG. 5) in S165 is executed. Also, ATM1 treats the current transaction fee amount as hidden information when the transaction amount is the same in the current transaction and the previous transaction, and the day of the week and the time zone of the transaction are the same. , The display processing of the current transaction fee confirmation screen 62 (see FIG. 5) in S165 is skipped (omitted).

  Specifically, ATM1 has a fee for the current transaction (the fee for the current transaction is charged) (if “Yes” in the determination of S130), and there is no fee for the previous transaction (for the previous transaction). (No fee in the determination of S140), the fee amount of the current transaction and the previous transaction fee amount are different (in the case of “No” in the determination of S145), and the current transaction and If the day and time of the previous transaction are different (if “No” in S150), the current transaction fee is regarded as display information and the fee display process is executed.

  Also, if none of these applies, ATM1 regards the current transaction fee as non-display information and skips the fee display process. Therefore, when there is no fee for the current transaction (“No” in the determination in S130), ATM1 regards the fee for the current transaction as non-display information and skips the fee display process. Or, ATM1 has a fee for the current transaction (if “Yes” in S130), a fee for the previous transaction (“Yes” in S140), and the current transaction fee Applicable to all cases where the transaction fee is the same (in the case of “Yes” in the determination of S145), and the day and time zone of the current transaction and the previous transaction are the same (in the case of “Yes” in the determination of S150). In this case, the fee for the current transaction is regarded as hidden information, and the fee display process is skipped.

  Since the ATM 1 displays the actual current transaction fee amount when the current transaction fee is generated, the current transaction fee amount can be easily presented to the customer.

  In addition, ATM1 skips the fee display process (here, the display process of the fee confirmation screen 62 (see FIG. 5) of the current transaction in S165) when there is no fee for the current transaction, thus reducing the burden on the customer. Thus, the terminal operation time can be shortened.

  In addition, ATM1 skips the fee display process when the current transaction and the previous transaction have the same conditions even if the current transaction fee is incurred. It can be avoided that the customer who thinks that the confirmation process is troublesome is made uncomfortable.

  In addition, even if the customer has cleared the preferential conditions, ATM1 determines that there is no current transaction fee ("No") in S130 and skips the fee display process. It can avoid making customers feel anxious.

Also, ATM1 compares some conditions (for example, whether the amount is the same, whether the day of the week and the time zone are the same, etc.) between the current transaction and the previous transaction, and displays the current transaction fee display. In order to determine whether or not it is necessary, when the conditions are different, the fee for the current transaction can be displayed without fail, thereby preventing the confirmation of the fee for the current transaction.
Further, the ATM 1 can also display the charge table screen 63 (see FIG. 6) on the display operation unit 13 when the customer wants to see the charge table.

  In addition, ATM1 is based on the customer information 91Z of past transactions of each customer stored in the database 4 as compared with "Technology for changing fee display method according to customer request" disclosed in Patent Document 1. Because it is configured to automatically display the current transaction fee if necessary, the current transaction fee is displayed if necessary, so that the customer does not need to register the setting information in advance. Thereby, the convenience of the customer can be improved.

  As described above, the ATM 1 according to the first embodiment can display the current transaction fee only when necessary, and can hide the current transaction fee when unnecessary.

[Embodiment 2]
In the first embodiment, the ATM 1 uses the previous transaction fee information 91aB included in the previous transaction customer information 91B registered in the database 4 of the host computer 2 to determine whether the current transaction fee information 91aA is displayed. Is judged.

  On the other hand, in this Embodiment 2, ATM1 is the fee information 91aB of the previous transaction included in the customer information 91B of the previous transaction registered in the storage medium (here, the cash card) used for the transaction. Is used to determine whether display of the fee information 91aA of the current transaction is necessary. Hereinafter, ATM1 which concerns on this Embodiment 2 is called "ATM1A (not shown)."

  Hereinafter, with reference to FIG. 7A and FIG. 7B, the operation of the ATM 1A according to the second embodiment will be described focusing on the operation different from the ATM 1 according to the first embodiment, and the same operation as the ATM 1 according to the first embodiment. As for (refer to FIG. 2A and FIG. 2B), detailed description will be omitted on the assumption that the operation of the ATM 1 according to the first embodiment is replaced with the operation of the ATM 1A according to the second embodiment.

  The operation of the ATM 1A according to the second embodiment is different from the operation of the ATM 1 according to the first embodiment in that the processes of S135a and S195a are performed instead of the processes of S135 and S195.

  That is, the ATM 1 according to the first embodiment registers the customer information 91A of the current transaction in the database 4 of the host computer 2 in S195, and at the next transaction, the database 4 from the host computer 2 in the previous transaction in S135. Is acquired as customer information 91B of the previous transaction. In S140 to S150, fee information 91aA of the current transaction and fee information 91aB of the previous transaction included in the customer information 91B of the previous transaction are obtained. By comparing, it is determined whether or not it is necessary to display the fee information 91aA of the current transaction.

  On the other hand, the ATM 1A according to the second embodiment registers the customer information 91A of the current transaction in the cash card in S195a, and in the next transaction, from the cash card to the cash card in the previous transaction in S135a. The registered customer information 91A is acquired as the customer information 91B of the previous transaction, and the fee information 91aA of the current transaction is compared with the fee information 91aB of the previous transaction included in the customer information 91B of the previous transaction in S140 to S150. By doing so, it is determined whether or not it is necessary to display the fee information 91aA of the current transaction.

  Such ATM 1A can manage the fee information 91aA not by the database 4 of the host computer 2 but by a card possessed by the customer. Therefore, the ATM 1A does not take communication time with the host computer 2, and can shorten the operation time.

  As mentioned above, according to ATM1A which concerns on this Embodiment 2, in addition to the effect similar to ATM1 which concerns on Embodiment 1, shortening of operation time can also be aimed at.

  The present invention is not limited to the above-described embodiment, and various changes and modifications can be made without departing from the gist of the present invention.

  For example, in the embodiment, the fee confirmation screen 62 (see FIG. 5) and the fee table screen 63 (see FIG. 6) are configured as separate screens. When the “” button 62 a is pressed, the charge table screen 63 is displayed on the display operation unit 13. However, ATM1, 1A can omit the display process of the fee table screen 63 by displaying the fee confirmation screen 62 configured in a format including the fee table.

  Also, for example, ATM1, 1A compares the current transaction fee information 91aA and the previous transaction fee information 91aB to determine whether or not the current transaction fee display is necessary. However, ATM1, 1A can register the fee information 91a for several times in the database 4 or the cash card, and can determine whether or not to display the fee for the current transaction based on the fee information 91a for several times. It is.

  In this case, even if the current transaction fee information 91aA and the previous transaction fee information 91aB are the same, the ATM1, 1A displays the fee display processing (here, the fee confirmation screen 62 of the current transaction in S165 (see FIG. 5)). If the current transaction fee information 91aA and the past transaction fee information 91a are the same for a certain number of times, the fee display processing can be skipped.

  In this case, the ATMs 1 and 1A compare the fee information 91aA of the current transaction with the fee information 91aB of the previous transaction, and if both are the same, the fee display processing is skipped, but what is the fee of the current transaction? An arbitrary screen displayed on the display operation unit 13 from the time the card is inserted to the time when the transaction is executed with the host computer 2 in order to inform the customer whether or not this is the case. (For example, any one or more of the screens 64 and 65 shown in FIG. 8 and the charge table screen 63 shown in FIG. 6) may be included.

  FIG. 8 is a diagram illustrating an example of a display screen. FIG. 8A shows an example of a transaction input screen 64 for inputting an amount during a transaction. Moreover, FIG.8 (b) has shown an example of the transaction confirmation screen 65 which confirms moneys at the time of transaction.

  In the example illustrated in FIG. 8, the transaction input screen 64 and the transaction confirmation screen 65 are configured such that a current transaction fee display column is provided at the lower right of the screen. However, the fee display column for the current transaction can be changed to any position for each screen.

1 Automatic transaction equipment (ATM)
2 host computer 3 communication line 4 database 11 control unit 11a display operation control unit 11b customer information handling unit 11c fee display determination unit 11d transaction processing control unit 12 storage unit 12a control program 13 display operation unit (touch panel, etc.)
14 card reader / writer 15 deposit / withdrawal unit 16 statement form printer 61 transaction selection screen 62 fee confirmation screen 63 fee list screen 91 customer information 91a fee information

Claims (9)

In an automatic transaction apparatus that performs transactions with a host computer based on customer operations,
A display unit for displaying various types of information;
When the current transaction fee is incurred, based on the current transaction fee amount and the past transaction fee amount, the current transaction fee amount is used as display information to be displayed on the display unit, or the display unit An automatic transaction apparatus comprising: a fee display determination unit that determines whether to display non-display information that is not displayed on the screen. The automatic transaction apparatus according to claim 1,
The fee display determination unit
The previous transaction in the past transaction is subject to determination,
When the fee amount is different between the current transaction and the previous transaction, the fee amount of the current transaction is determined as the display information,
On the other hand, when the current transaction and the previous transaction have the same fee amount, the automatic transaction apparatus determines the current transaction fee amount as the non-display information. An automatic transaction apparatus according to 請 Motomeko 2,
The fee display determination unit
When the current transaction and the previous transaction have different fee amounts, or when the day of the week and time zone are different, determine the current transaction fee amount as the display information,
On the other hand, when the current transaction and the previous transaction have the same fee amount and the same day of the week and time zone, the transaction amount of the current transaction is determined as the hidden information. apparatus. In the automatic transaction device according to any one of claims 1 to 3,
When the fee display determination unit determines the fee amount of the current transaction as the display information, a transaction input screen for inputting the amount at the time of transaction, a transaction confirmation screen for confirming the amount at the time of transaction, and the day and time of the transaction An automatic transaction apparatus, wherein the fee amount of the current transaction is displayed on any one or a plurality of screens of a fee confirmation screen configured in a format including a fee table showing the fee amount classified according to the schedule. In the automatic transaction device according to any one of claims 1 to 4,
In addition, it has a customer information handling department that handles customer information,
The customer information handling department
For each transaction, from the host computer, including the customer information including the fee amount of the past transaction,
An automatic transaction apparatus for causing the host computer to register a fee amount for the current transaction when a fee for the current transaction is generated. In the automatic transaction device according to any one of claims 1 to 5,
In addition, it has a customer information handling department that handles customer information,
The customer information handling department
For each transaction, from the storage medium possessed by the customer, the customer information including the fee amount of the past transaction is acquired,
An automatic transaction apparatus, wherein when the current transaction fee is generated, the fee amount of the current transaction is registered in the storage medium. Based on the operation of the customer, the control unit of the automatic transaction apparatus that performs transactions with the host computer,
If the current transaction fee is incurred, the current transaction fee amount is displayed on the display unit based on the current transaction fee amount and the past transaction fee amount. A program that functions as a fee display determination unit that determines whether to display non-display information that is not displayed. The program according to claim 7,
Further, the control unit is
For each transaction, from the host computer, said along with the past the commission amount of the transaction to acquire including customer information, said if the commission of the current transaction has occurred, to register the commission amount of the current transaction to the host computer A program that functions as a customer information handling department. In the program according to claim 7 or 8,
Further, the control unit is
For each transaction, from the storage medium, which is possessed by the customer, said the commission amount of past dealings with to get including customer information, said if the commission of the current transaction has occurred, said the commission amount of the current transaction A program that functions as a customer information handling unit to be registered in a storage medium.

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