JP6129003B2 - Automatic transaction equipment - Google Patents

Description

  The present invention relates to an automatic transaction apparatus.

  Automated transaction machines (hereinafter also simply referred to as ATMs) are widely used not only in bank stores but also in equipment booths such as stations, department stores, and shopping malls. In recent years, various proposals have been made to improve the convenience of ATMs. As an example, Patent Document 1 sequentially describes a series of procedures such as a withdrawal procedure from a savings account, a termination procedure for a time deposit account, and a withdrawal procedure for depositing a withdrawal amount and a withdrawal amount to a checking account. Proposed trading techniques have been proposed.

Japanese Patent Publication No. 3-30902

  ATM users are diverse, and not only withdrawing (withdrawing) from a single deposit account or depositing into the account (depositing), even in the desired cash transaction, Cash deposits and withdrawals are also routine. For example, some users bring multiple passbooks and cash cards to an ATM, perform withdrawals using their cash cards, and withdraw cash from their deposit accounts. For example, the money is deposited in the child's passbook by ATM. Such a cash transaction requires actual cash withdrawal and actual cash deposit and deposit / withdrawal operation, and if there are a plurality of deposit destinations, it is necessary to repeat actual cash deposit and deposit operation. For this reason, when there are many ATM users, there is a tendency to hesitate in cash transactions at ATMs. In this case, if you use the transfer processing function provided in the ATM, you do not need multiple passbooks and cash cards, but use multiple passbooks and cash cards yourself because it is difficult to see the transaction process and transaction results. The fact is that there are many users. For these users, it is desirable to be able to complete the transaction processing by themselves after making the transaction operation process and transaction results visible. However, in the transaction processing apparatus disclosed in Patent Document 1, although a plurality of series of procedures can be sequentially performed, there is a transaction by a bank clerk such as cancellation of a fixed account, so it is possible to perform a transaction by itself using a plurality of passbooks and cash cards. It may not be sufficient to deal with a user who desires to complete the process.

SUMMARY An advantage of some aspects of the invention is to solve at least a part of the problems described above, and the invention can be implemented as the following forms. The form of the present invention is:
Automatic transaction equipment,
An initial image display unit for displaying an initial image for accepting start input of inter-account transactions in a plurality of deposit accounts on a display screen;
When there is a start input of the transaction between accounts in the initial image, for the plurality of deposit accounts, an input of a medium corresponding to each deposit account is received, and medium information necessary for specifying the deposit account from the received medium and a reading Rutotomoni, the medium reception section to obtain issuing bookkeeping format information based financial institutions used from the issuing financial institution of the passbook,
A medium image display unit for displaying a medium image of the received medium on the display screen for each of the received medium;
When there is a selection of a deposit account for performing the inter-account transaction from the user in the plurality of medium images displayed on the display screen, an input of transaction details performed in the selected deposit account, and a transaction content that has received the input A transaction content input standby unit that waits for the input of transaction permission information necessary for permitting the transaction of the transaction and the input of the transaction amount accompanying the transaction content received,
When the transaction permission information is input, the account information data of the selected deposit account is specified based on the medium information, the authenticity of the transaction permission information is determined based on the account information data, and the transaction If the permission information is correct, it has a cash transaction processing unit that performs transaction processing according to the transaction content ,
The developing trading execution unit after execution of the transaction process, you posting cash transaction records based on the transaction processing on the passbook in accordance with the bookkeeping format information.

According to the automatic transaction apparatus of the above aspect, for a user who desires to complete transaction processing by himself / herself using a plurality of media, a cash transaction between a plurality of deposit accounts desired by the user is performed as a transaction process. Since it can be executed after being visually recognized by the user, convenience and versatility are enhanced.
Problems other than those described above, and configurations and effects for solving the problems will be clarified by the following description of embodiments.

It is explanatory drawing which shows schematic structure of the cash transaction processing system 100 containing the automatic transaction apparatus 10 (ATM10) as one Embodiment of this invention. It is explanatory drawing which shows roughly the apparatus structure in connection with acceptance and discharge | emission of bankbook BT and cash card BC, and the functional structure of ATM10. It is a flowchart which shows the whole content of the transaction processing between multiple accounts which the control part 40 performs in ATM10. It is explanatory drawing which shows the mode of the display of the initial image in the customer panel. It is a flowchart which shows the process included in the transaction 1st process between accounts. It is explanatory drawing which shows the mode of the image transition to the medium insertion guidance image in the customer panel. It is a flowchart which shows the process contained in the transaction between accounts 2nd process. It is explanatory drawing which shows the mode of the image transition to the transaction content input guidance image in the customer panel. It is explanatory drawing which shows the mode of the image transition to the card insertion guidance image in the customer panel. It is explanatory drawing which shows the mode of the image transition to the PIN code input guidance image in the customer panel. It is explanatory drawing which shows the mode of the image transition to the transaction amount input guidance image in the customer panel. It is explanatory drawing which shows the mode of the display of the transaction content input guidance image in the customer panel 20 anew. It is a flowchart which shows the process contained in the transaction 3rd process between accounts, and the transaction termination process between accounts. It is explanatory drawing which shows the mode of the display of the transaction content list image in the customer panel 20 accompanying the account transaction 3rd process. It is explanatory drawing which shows an example of the transaction content list image in case a deposit / withdrawal amount is inconsistent. It is explanatory drawing which shows the mode of the setting of the PIN for transaction between accounts.

Hereinafter, embodiments of the present invention will be described with reference to the drawings.
A. First embodiment:
A-1. overall structure:
A-2. Passbook / card acceptance related composition:
A-3. Inter-cash transaction processing:

A-1. overall structure:
FIG. 1 is an explanatory diagram showing a schematic configuration of a cash transaction processing system 100 including an automatic transaction apparatus 10 (ATM 10) as one embodiment of the present invention. As shown in the figure, the cash transaction processing system 100 includes an ATM 10 and host computers HCA to HCD for each financial institution connected via a network NT. The host computers HCA to HCD, etc. function as a server, corresponding to the information introduction from ATM 10, necessary data, for example, data such as book items in the cash deposit / withdrawal transaction, its book format, etc., deposit / withdrawal transaction The account information data such as the balance of the deposit account that is the target of the account and the personal identification number unique to the account are output to the ATM 10 via the network NT.

  The ATM 10 is installed not only at bank stores but also at equipment booths such as stations, department stores, and shopping malls, and is configured to perform predetermined cash transactions such as deposits and withdrawals based on user operations. Such an ATM 10 includes a passbook insertion hole 12, a card insertion hole 14, a transaction statement discharge port 15, a coin insertion port 16, a bill insertion port 18, and a customer panel 20 on the front side of the apparatus facing the user. The ATM 10 accepts a passbook BT inserted by the user into the passbook insertion hole 12 by a passbook mechanism 70 described later, and accepts a cash card BC inserted by the user in the card insertion hole 14 by a card mechanism 80 described later. Moreover, ATM10 discharges | emits the transaction statement issued by the below-mentioned statement slip mechanism part 54 from the transaction statement discharge port 15 as needed, and pays it out to a user. The configurations and functions of the passbook mechanism unit 70 and the card mechanism unit 80 will be described later. The customer panel 20 is driven under the control of the control unit 40, which will be described later, and is configured as a pointing device that displays a guidance message to the user, an input acceptance image, and the like, and acquires the coordinates of the contact position by the user's finger or the like. The And this customer panel 20 receives the instruction input from the user by contact of a finger | toe etc. with a display image, converts the user operation in a display image into data, and outputs it to the control part 40 mentioned later. The coin insertion slot 16 and the banknote insertion slot 18 respectively accept and discharge coins and banknotes from the user, but since they are not directly related to the gist of the present invention, a detailed description thereof will be omitted.

A-2. Passbook / card acceptance related composition:
FIG. 2 is an explanatory diagram schematically showing a device configuration and a functional configuration of the ATM 10 that are involved in receiving and discharging the passbook BT and the cash card BC. The ATM 10 includes a control unit 40, a bill / coin transport device group 50, a bill / coin mechanism unit 52, a statement slip mechanism unit 54, a line connection unit 56, a passbook mechanism unit 70, and a card mechanism unit 80. Prepare. In addition, you may make it have an attendant panel which performs the display for maintenance personnel.

  The banknote / coin transport device group 50 transports banknotes and coins inserted from the coin insertion slot 16 and the banknote insertion slot 18 to the banknote / coin mechanism section 52, or from the banknote / coin mechanism section 52 to both the above-described input slots. Unload banknotes and coins and deliver them to the user. The banknote / coin mechanism unit 52 includes a coin cassette and a banknote cassette (not shown), and stores deposit coins and banknotes, pays out stored coins and banknotes to a user, and the like. The banknote / coin transport device group 50 and the banknote / coin mechanism unit 52 are driven under the control of the control unit 40 to perform transport and payout as described above, but are not directly related to the gist of the present invention. The detailed description thereof will be omitted.

  The statement slip mechanism unit 54 is driven under the control of the control unit 40, and when the user's cash transaction is performed with the cash card BC, the transaction content is printed on the form and the printed statement slip is transacted. It is discharged from the detail discharge port 15 to the user. The line connection unit 56 is composed of a LAN card or the like, and is connected to the network NT to exchange various data with the host computers HCA to HCD.

  The control unit 40 is configured as a computer having a CPU, a ROM, a RAM, and the like, and supervises various controls of the ATM 10. The control unit 40 constructs the inter-account transaction display control unit 42, the inter-account transaction data management unit 44, and the inter-account transaction processing unit 46 by executing a program stored in advance and a later-described inter-account transaction process. The inter-account transaction display control unit 42 controls the display of the display image on the customer panel 20, and guides the button operation of the user and waits for the button operation. The inter-account transaction data management unit 44 temporarily stores various data according to user button operations, analyzes various data, and the like. The inter-account transaction processing unit 46 executes data processing related to transactions between a plurality of accounts that the user desires through button operations. These details will be described in detail in the transaction processing between multiple accounts described later.

  The bankbook mechanism unit 70 includes a bankbook transport mechanism 71, a bankbook storage cassette 72, a cassette passbook transport mechanism 73, a data reading mechanism 74, a bankbook scanner 75, and a bankbook bookkeeping mechanism 76. The passbook transport mechanism 71 is driven under the control of the control unit 40, and the passbook transport mechanism 71 transports the passbook BT inserted into the passbook insertion hole 12 to the passbook storage cassette 72, or the passbook storage cassette 72 stores it. The bankbook BT is conveyed to the bankbook insertion hole 12 and paid out to the user. The passbook storage cassette 72 receives and stores a plurality of passbooks BT used for cash transactions between a plurality of deposit accounts by the user in the order of insertion into the passbook insertion hole 12. The in-cassette passbook transport mechanism 73 drives a transport belt or clip (not shown) under the control of the control unit 40 and puts the passbook BT transported to the end of the passbook transport mechanism 71 into the passbook storage cassette 72 in the order of loading. At the same time, the bankbook BT stored in the bankbook storage cassette 72 is transferred to the bankbook transport mechanism 71 one by one from the top.

  The data reading mechanism 74 is information specific to an account stored in the bankbook BT in the form of a magnetic stripe or an IC card, specifically, information specific to a deposit account corresponding to the bankbook BT. Account information such as a financial institution code, a branch code, an account number, and an account holder's name is read from the book BT, and the read account information is output to the control unit 40. The passbook scanner 75 is configured using a CCD (Charge-Coupled Device), scans the cover of the passbook BT that is actually transported by the passbook transport mechanism 71, and outputs the scanned image to the control unit 40. The bankbook entry mechanism 76 is driven under the control of the control unit 40, and records the deposit / withdrawal amount and transaction date / time when the bankbook is carried out with respect to the bankbook BT received from the user. Since the format of the passbook entry is slightly different for each financial institution, the control unit 40 obtains the entry format information from the host computer HCA of the financial institution issuing the passbook based on the account information read by the data reading mechanism 74. The passbook entry of the passbook entry mechanism 76 is executed and controlled according to the obtained entry format.

  The card mechanism unit 80 includes a card transport mechanism 81, a card storage cassette 82, an in-cassette card transport mechanism 83, a data reading mechanism 84, and a cassette scanner 85. The card transport mechanism 81 is driven by a transport roller or the like under the control of the control unit 40 to transport the cash card BC inserted into the card insertion hole 14 to the card storage cassette 82 or the card storage cassette 82 stores it. The cash card BC is conveyed to the card insertion hole 14 and paid out to the user. The card storage cassette 82 receives and stores a plurality of cash cards BC used for cash transactions between a plurality of deposit accounts by the user in the order of insertion into the card insertion hole 14. The in-cassette card transport mechanism 83 drives a transport belt or clip (not shown) under the control of the control unit 40, and the cash cards BC transported to the end of the card transport mechanism 81 are placed inside the card storage cassette 82 in the order of insertion. And the cash cards BC stored in the card storage cassette 82 are delivered to the card transport mechanism 81 one by one from the top.

  The data reading mechanism 84 reads the account information specific to the account stored in the cash card BC in the form of a magnetic stripe or an IC card from the cash card BC, and outputs the read account information to the control unit 40. The cassette scanner 85 is configured using a CCD, scans the card surface of the cash card BC actually transported by the card transport mechanism 81, and outputs the scanned image to the control unit 40.

A-3. Inter-cash transaction processing:
FIG. 3 is a flowchart showing the entire contents of the transaction processing between multiple accounts executed by the control unit 40 in the ATM 10. First, using FIG. 3, the entire contents of the transaction processing between multiple accounts will be described, and then the details of the processing will be described. In executing transaction processing between a plurality of accounts, the control unit 40 first controls the customer panel 20 by the inter-account transaction display control unit 42 to display an initial image on the panel and waits for a user's button pressing operation. (Step S100). FIG. 4 is an explanatory diagram showing a state of displaying an initial image on the customer panel 20.

  The initial image of FIG. 4 does not include a display image in the image display area 20VW of the customer panel 20, and is an image in which images of various buttons are displayed in the lower button display area 20BW. The control unit 40 performs step S100. The initial image is displayed on the customer panel 20. The control unit 40 repeatedly displays the initial image of FIG. 4 every predetermined time while the transaction of the ATM 10 is not executed, or when the approach of the user is detected by a human body detection sensor (not shown), the initial image of FIG. 4 is displayed. indicate. This initial image includes, in the button display area 20BW, a deposit button 21b, a payout button 22b, an inter-account transaction button 23b, a transfer button, an automatic payment button, a balance inquiry button, a passbook entry button, and a lottery button.

  When the deposit button 21b is first pressed in the initial image of FIG. 4, it indicates that the deposit transaction to the deposit account corresponding to the passbook BT or cash card BC used by the user is performed, and the control unit 40 of the ATM 10 The input of an individual deposit transaction is accepted through the operation of the deposit button 21b. When the payout button 22b is first pressed in the initial image of FIG. 4, it indicates that a payout transaction is made from a deposit account corresponding to the passbook BT or cash card BC used by the user, and the ATM 10 displays the first payout button 22b. The input of the individual payout transaction is accepted through the operation. When the inter-account transaction button 23b is first pressed in the initial image of FIG. 4, it indicates that a cash transaction between a plurality of accounts for a plurality of deposit accounts corresponding to a plurality of passbooks BT or a cash card BC used by the user is performed. The ATM 10 receives an input of a cash transaction between a plurality of accounts through the operation of the first inter-account transaction button 23b. In addition, the operation of the deposit button 21b and the operation of the withdrawal button 22b after the inter-account transaction button 23b is operated become a deposit transaction input or a withdrawal transaction input included in the process of cash transactions between multiple accounts. Details will be described later.

  Other than the above, the transfer button, automatic payment button, balance inquiry button, passbook entry button, and lottery button are the same as those provided in the existing ATM. Through the operation of each button, ATM 10 automatically pays public charges, Transfer transactions from user-specified deposit accounts, balance inquiry transactions, passbook transactions, lottery issuance transactions, but these are not directly related to the gist of the present invention, so a detailed description thereof will be omitted. .

  The control unit 40 waits for the user's button pressing operation through the display of the initial image of FIG. 4, and determines whether or not the first pressed button is the inter-account transaction button 23b (step S110). Here, if it is determined that the first pressed button is not the inter-account transaction button 23b, the control unit 40 executes an individual transaction corresponding to the pressed button (step S120). This routine ends. For example, if the first pressed button is the deposit button 21b, the control unit 40 executes a deposit transaction to a deposit account corresponding to the passbook BT or cash card BC used by the user. If any one of the payout button 22b or the transfer button, the automatic payment button, the balance inquiry button, the passbook entry button, and the lottery button is pressed first, the control unit 40 executes an individual transaction corresponding to each button.

  On the other hand, if it is determined that the button pressed first in step S110 is the inter-account transaction button 23b, the control unit 40 receives an inter-account transaction start input indicating that a cash transaction between a plurality of accounts is performed. Following the first inter-account transaction first processing (step S200) related to acceptance of bankbook BT or cash card BC (medium acceptance), inter-account transaction related to the input and confirmation of transaction details of cash transactions between multiple accounts 2 processing (step S300), third transaction between accounts related to data processing in accordance with transaction contents of cash transactions between multiple accounts (step S400), related to medium payout after execution of cash transactions between multiple accounts Inter-account transaction end processing (step S500) is sequentially executed. FIG. 5 is a flowchart showing the processing included in the first transaction between accounts, and FIG. 6 is an explanatory diagram showing the state of the image transition to the medium insertion guide image on the customer panel 20.

  When there is an input for starting an inter-account transaction process based on a pressing operation of the inter-account transaction button 23b of the user in the initial image of FIG. 4, the control unit 40 displays the customer panel 20 following the affirmative determination in step S110 by this input. The image is controlled to be changed from the initial image in FIG. 4 to the medium insertion guide image in the lower part of FIG. 6, and the user presses the button pressing operation (step S210). The medium insertion guide image in the lower part of FIG. 6 includes a button row of a passbook take-in start button 25a and a passbook take-in end button 25b in the upper stage, and a button take-in button 26a and a card take-in end button 26b in the lower stage. The control unit 40 displays the medium insertion guide image on the customer panel 20 in step S210. The user inserts one of the passbook BT and the cash card BC or both into the ATM 10 as a medium to be used for the desired transaction processing between accounts while visually recognizing the medium insertion guide image, and prior to the insertion, the passbook The take-in start button 25a or the card take-in start button 26a is pressed. The control unit 40 receives an operation of pressing the passbook take-in start button 25a or the card take-in start button 26a, accepts the input of the passbook BT or the cash card BC (step S220), and accepts these media, that is, the passbook insertion hole. Card transport mechanism 81 necessary for device control such as a passbook transport mechanism 71 and a passbook transport mechanism 73 in the cassette necessary for transporting from 12 to the passbook storage cassette 72 or a card transport from the card insertion hole 14 to the data reading mechanism 84. Control of the equipment such as the card storage cassette 82 is performed.

  The control unit 40 receives account information such as a financial institution code, a branch code, an account number, and an account holder name read from the passbook BT or the cash card BC by the data reading mechanism 74 or the data reading mechanism 84 in response to the input of the medium. Is stored by the inter-account transaction data management unit 44 (step S220). The control unit 40 also receives the medium image of the passbook cover scanned by the passbook scanner 75 or the medium image of the card surface scanned by the cassette scanner 85 for each accepted passbook BT or cash card BC in response to the input of the medium. (Step S220).

  Next, the control unit 40 determines whether or not the acceptance of either the bankbook BT or the cash card BC is completed based on the button operation of the bankbook capture end button 25b or the card capture end button 26b by the user. (Step S230). Here, if both the end buttons are not operated, step S400 continues to accept medium insertion from the user, store account information, and collect media images (step S220) for each medium such as a passbook. When there is an operation, the process proceeds to the inter-account transaction second process (FIG. 3: step S300) related to the input of the transaction details of the cash transaction between the plurality of accounts and the confirmation thereof. In the explanation after the second transaction between accounts, the user corresponds to the other three passbooks with the cash that was withdrawn from the deposit account of one passbook BT in the inter-account cash transaction using the four passbooks BT. Assuming that it is desired to make a deposit transaction in a deposit account, the following will be described. Based on this assumption, the control unit 40 inputs account information for the deposit accounts respectively corresponding to the four passbooks BT inserted by the user in step S220 of the inter-account transaction first process prior to the inter-account transaction second process. -The storage and the media images of the passbook cover of the four passbooks BT have been collected. FIG. 7 is a flowchart showing a process included in the second transaction between accounts, and FIG. 8 is an explanatory diagram showing a state of image transition to a transaction content input guide image on the customer panel 20.

  When the medium acceptance is completed based on the button operation of the passbook take-in end button 25b or the card take-in end button 26b by the user (step S230: affirmative determination), the control unit 40 displays the display image on the customer panel 20 as the medium in FIG. The inter-account transaction display control unit 42 controls to change from the inserted image to the transaction content input guide image in the lower part of FIG. 8, and waits for the user's button pressing operation (step S310). The transaction content input guide image in the lower part of FIG. 8 includes, in the image display area 20VW, medium images 27a to 27d of the passbook cover for the four passbooks BT collected in step S220 (see FIG. 5) (hereinafter referred to as passbooks BT1 to BT4). Displayed and displayed in the button display area 20BW are both buttons of a deposit button 21b and a payout button 22b for deposit transactions and payout transactions that can be set in the inter-account transaction process, and the control unit 40 proceeds to step S310. The transaction content input guide image is displayed on the customer panel 20. In the present embodiment, a maximum of six passbooks BT or cash cards BC can be included in the transaction processing between accounts. In this case, display margins for two medium images remain in the image display area 20VW. . While viewing the transaction content input guide image in the lower part of FIG. 8, the user selects the deposit account medium images 27a to 27d in the desired inter-account transaction process, and the deposit account corresponding to the selected medium images 27a to 27d. The contents of the cash transaction to be performed are input through a button operation. In this case, since the transaction content input guidance image in the lower part of FIG. 8 does not include buttons such as transfer and passbook entry that are not assumed in the transaction processing between accounts, the user can easily recognize the cash transaction content that can be input, Input settings can be made, increasing convenience. According to the transaction content input guide image in the lower part of FIG. 8, the user has different account holders, and the financial institution desires cash transactions between the four deposit accounts of A bank, B bank, and C bank. It will be.

  The control unit 40 waits for selection of the media images 27a to 27d by the user and input of cash transaction contents for each deposit account corresponding to the selected media images 27a to 27d, and then selects the selected media images 27a to 27d. 27d and cash transaction contents are stored (step S310). The state of storing the cash transaction contents accompanying the user selection in step S310 and the processing after step S310 will be described while assuming the actual button operation of the user.

  As a cash transaction between the four bankbooks BT1 to BT4, which the user has brought, the user pays 50,000 yen, 40,000 yen, 30,000 yen for one bankbook, for example, cash (total 120,000 yen) withdrawn from the bankbook BT1. Assume that the customer wants a cash transaction to be deposited into the other three deposit accounts. A user who desires such an inter-cash cash transaction sees the transaction content input guide image displayed in the lower part of FIG. After pressing the medium image 27a, the payout button 22b corresponding to the payout transaction is pressed. In response to this user operation, the control unit 40 stores in step S310 that the first transaction process in the inter-account transaction process is a payout transaction from the deposit account corresponding to the passbook BT1.

  Normally, many financial institutions require that a PIN number be entered and verified for cash withdrawal transactions, but a PIN number may not be required for cash deposit transactions. In addition, in addition to the passcode BT, in addition to the passcode BT, a bank card BC is required for cash transactions at the ATM 10 via the network NT, regardless of whether the transaction is cash withdrawal or deposit. There can also be an institution. In this case, if the password is not required, both the passbook BT and the cash card BC are not required, and the transaction can be made with either the passbook BT or the cash card BC. Based on such transaction status, the control unit 40 continues to step S310, determines whether or not the PIN number is required when permitting the transaction of the current user-specified cash transaction content (step S320), and the current user-specified cash transaction. The necessity determination (step S330) of the cash card BC for performing the cash transaction of the contents is sequentially performed.

  In step S320, the control unit 40 determines whether or not the personal identification number is necessary according to the contents of the cash transaction stored in step S310. If the control unit 40 makes a negative determination that it is not necessary, the control unit 40 proceeds to step S370 described later. On the other hand, if an affirmative determination is made in step S320 that a personal identification number is required and an affirmative determination is made in step S330 that a card is required, the control unit 40 changes the display image on the customer panel 20 to a card insertion guide image. The control waits for the insertion of the cash card BC for the deposit account corresponding to the medium image (for example, the medium image 27a) selected by the user (step S340). FIG. 9 is an explanatory diagram showing a state of image transition to the card insertion guide image on the customer panel 20. As shown in the figure, since the current insertion guide is sufficient for only the cash card BC, the button for starting and ending importing for the bankbook is not displayed. Therefore, card insertion guidance to the user is ensured. Also, as shown in the figure, by displaying a note regarding card insertion, card insertion can be more effectively urged. Whether or not a password is required to be entered in step S320 or whether or not a card is required in step S330 is determined by checking the account information read from the inserted bankbook BT with the host computer HCA of the banking bank issuing bank. Can be decided by. Or it may be necessary to enter a PIN for reasons such as determining that a PIN code is not required because the user-specified cash transaction is a deposit transaction, or for a reason that the user-specified cash transaction is a payout transaction. You may judge.

  The user inserts the cash card BC of the deposit account corresponding to the previously selected medium image (for example, the medium image 27a) into the ATM 10 while visually recognizing the card insertion guide image in the lower part of FIG. 9, and prior to the insertion, The card take-in start button 26a is pressed. As described above, the control unit 40 receives the input of the cash card BC by receiving the pressing operation of the card take-in start button 26a, and performs device control necessary for card conveyance from the card insertion hole 14 to the data reading mechanism 84. Do.

  The control unit 40 obtains account information (account information data) for the cash card BC from the data reading mechanism 84 in response to the input of the cash card BC, and stores this (step S350). At this time, the control unit 40 does not collect the medium image on the card surface by the cassette scanner 85, and waits for the user to operate the card loading end button 26b (step S350). In addition, if the user has already inserted the cash card BC at the time of step S100 in order to perform a cash transaction using only the cash card BC instead of the bankbook BT, the control unit 40 makes a negative determination in the above step S330, Control goes to step S350.

  When the user operates the card take-in end button 26b, the control unit 40 controls to change the display image on the customer panel 20 to the password input guidance image, and waits for the password input by the user pressing the button. (Step S350). FIG. 10 is an explanatory view showing a state of image transition to a password input guidance image on the customer panel 20. The code number input guide image in the lower part of FIG. 10 is an image including a numeric key button of 0 to 9, a numeric correction key button, and a completion key button. Is displayed on the customer panel 20. When the password is input by the user, the control unit 40 stores the password (step S350).

  Following the input of the personal identification number, the control unit 40 collates the account information of the deposit account corresponding to the accepted passbook BT and the cash card BC requested to be inserted (step S360), and the personal identification entered in step S350. The authenticity of the number is determined (step S365). This account information is information specific to the deposit account stored in the host computer HCA or the like connected to the ATM 10 via the network NT, and naturally includes a regular password. Therefore, the control unit 40 obtains the account information stored in the host computer HCA or the like based on the account information read from the passbook BT or the cash card BC, and after verifying with the obtained account information, Judgment of authenticity. If the control unit 40 makes a negative determination that the entered password is not correct, the control unit 40 proceeds to step S350 and waits for a re-input of the correct password from the user. In this case, if the password is re-input, step S360 is skipped, and the authenticity of the re-input password is determined again in step S365. Even if this loop process is repeated a predetermined number of times, if the affirmative determination cannot be made in step S365 and the input of the genuine password cannot be obtained, the control unit 40 displays a display indicating that the current cash transaction is terminated. Then, the process proceeds to an inter-account transaction end process (step S500) described later, and the inserted bankbook BT and cash card BC are paid out.

  On the other hand, if it is determined in step S365 that the password is correct, the display image on the customer panel 20 is controlled to be changed to the transaction amount input guide image, and the transaction amount input by the user's button pressing operation is waited for (step S370). ). FIG. 11 is an explanatory diagram showing a state of image transition to the transaction amount input guide image on the customer panel 20. The transaction amount input guide image in the lower part of FIG. 11 is an image including numerical key buttons from 0 to 9, a unit designation key button, a confirmation key button, and an input transaction amount display, and the control unit 40 at step S370. The transaction amount input guidance image is displayed on the customer panel 20. When the transaction amount is input by the user, the control unit 40 stores the transaction amount (step S370). In addition, if the confirmation key button operation is performed after the numerical key button operation, the control unit 40 displays the transaction amount input by the user on the upper stage of the numerical key. Thereby, the user can confirm the inputted transaction amount.

  Following the input of the transaction amount, the control unit 40 displays all the media images 27a displayed in the lower part of FIG. 8 in step S310, that is, all media received in the first transaction between accounts (step S200) (FIG. 5). It is determined whether or not the input for .about.27d has been completed (step S375). This determination is made based on whether or not the processing in steps S320 to S370 has been performed for each of the medium images in the lower part of FIG. In the description so far, the user has only selected the media image 27a of the passbook BT1, and then designated the transaction details, entered the personal identification number, etc., so the control unit 40 makes a negative determination in step S375. Then, the process proceeds to step S310. In step S310, the transaction content input guide image including the medium images 27a to 27d for each bankbook BT is displayed again and the user presses the button pressing operation. FIG. 12 is an explanatory view showing a state of displaying a transaction content input guidance image on the customer panel 20 anew. In step S310 in this case, since the necessary input for the passbook BT1 has been completed, the media image 27a of the passbook BT1 of the transaction content input guide image of FIG. 12 is selected so that the user does not select this media image again. The button display form is changed, and the medium image 27a is displayed including the input transaction details (payout transaction) and the transaction amount (120,000 yen). Thereby, the user can visually recognize the content of the transaction that he / she has already performed and its amount.

  While viewing the transaction content input guidance image of FIG. 12, the user sequentially specifies the transaction content and sets the transaction amount for each of the remaining three passbooks BT2 to BT4, for example, the passbook BT2 After pressing the medium image 27b, the deposit button 21b corresponding to the deposit transaction is pressed. In response to this user operation, the control unit 40 stores in step S310 that the next transaction process in the inter-account transaction process is a deposit transaction to the deposit account corresponding to the passbook BT2. Then, the control part 40 repeats the process from step S320 to S370 for the passbook BT2. Since the user has already been designated as a deposit transaction for this bankbook BT2, the control unit 40 determines in step S320 that a security code is not required for the deposit transaction, proceeds to step S370, and displays the transaction amount input guidance image in the lower part of FIG. And waits for input of transaction amount (deposit amount) from the user. If a password is required for the deposit transaction in the passbook BT2, the control unit 40 repeats the processing from step S330 as described above.

  Upon receiving the transaction details (deposit transaction) and deposit amount (50,000 yen) of the passbook BT2 for the medium image 27b selected by the user in FIG. It is determined whether or not the input for all the medium images displayed in the lower row is completed (step S375). In this case, since the selection of the media images 27c to 27d for the passbooks BT3 to BT4 and the subsequent transaction content designation have not been completed, the control unit 40 makes a negative determination again in step S375 and proceeds to step S310. Then, as already described, the selection of the medium images 27c to 27d for the passbooks BT3 to BT4, the subsequent transaction content designation, and the like are awaited. Thus, when the necessary user input is completed for all the passbooks BT1 to BT4 brought by the user, the control unit 40 makes an affirmative determination in step S375, and exits the inter-account transaction second process, and the subsequent inter-account transaction. The process proceeds to the third process.

  FIG. 13 is a flowchart showing processes included in the third inter-account transaction process and the inter-account transaction end process. The control part 40 displays the image of a transaction content list on the customer panel 20 as an initial process of the inter-account transaction third process following the affirmative determination in step S375 in the inter-account transaction second process of FIG. S410). FIG. 14 is an explanatory diagram showing a display of a transaction content list image on the customer panel 20 associated with the third transaction between accounts. As shown in the drawing, in this list, the user-specified cash transaction content (deposit transaction / payout transaction) and the amount thereof are displayed for all the passbooks BT1 to BT4 brought by the user himself / herself. Therefore, when the user completes necessary input for all the passbooks brought by himself / herself, he / she can visually check the contents of cash transactions (deposit transactions / withdrawal transactions) and the amount specified for each passbook.

  Following the display of the transaction content list image, the control unit 40 determines whether the deposit / withdrawal amount matches the cash transaction content specified by the user (deposit transaction / withdrawal transaction) and the withdrawal transaction amount. Determination is made by comparison with the total amount of money (step S415). In the transaction content list shown in FIG. 14, since the deposit / withdrawal amounts match, the control unit 40 makes an affirmative determination and proceeds to step S430 described later. On the other hand, if the control unit 40 makes a negative determination in step S415 that the deposit / withdrawal amount is inconsistent, a warning symbol indicating that the amount does not match is superimposed on the already displayed transaction content list image, and the cash transaction amount is displayed to the user. Is prompted for correction (step S420). FIG. 15 is an explanatory diagram showing an example of a transaction content list image when the deposit / withdrawal amounts do not match. The user sees the display of the warning symbol and selects the medium images 27a to 27d for any of the bankbooks BT1 to BT4 for which the amount is corrected. The control unit 40 receives this media image selection, stores the passbooks BT1 to BT4 for the selected media image, redisplays the transaction amount input guidance image in the lower part of FIG. Wait for the user to correct the amount. When the user corrects the amount with the numerical key buttons, the corrected amount is updated and stored, and is also displayed in the transaction content list image with correction.

  When the amount correction is continued or when the deposit / withdrawal amount matches, the control unit 40 waits for a user operation of the confirmation button 28b included in the transaction content list image (step S430). Here, when there is a user operation of the confirmation button 28b, the control unit 40 determines the cash transaction between the plurality of deposit accounts corresponding to the passbooks BT1 to BT4 brought by the user by the processing so far. For each (deposit transaction / withdrawal transaction), the inter-account transaction processing unit 46 sequentially executes data processing necessary for a cash withdrawal transaction with a user-designated withdrawal amount and a cash deposit transaction with a user-designated deposit amount (step) S440). In the case of the series of cash transactions described above, the control unit 40 firstly makes a deposit amount specified by the user from the deposit account of the bank A corresponding to the passbook BT1 whose account holder is “XXX xx”. Handles data based on paying out (120,000 yen) cash. Next, the control unit 40 is a bank B deposit account corresponding to the passbook BT2, and the account holder has deposited the user-specified deposit amount (50,000 yen) into the deposit account of “XXX yy”. Deal with transaction data that matches your needs. Similarly, the control unit 40 handles transaction data corresponding to cash deposits of 30,000 yen and 50,000 yen for the deposit accounts corresponding to the bankbooks BT3 to BT4, respectively. In the present embodiment, since the account information for each account is performed by the host computer HCA or the like of each financial institution, the control unit 40 uses the transaction data for the host computer HCA or the like of the financial institution corresponding to the deposit account. Send to.

  The series of processes up to this point is the case where the user only brings the cash card BC and carries out the cash transaction between accounts, and the case where the user brings the passbook BT and the cash card BC between the accounts. It is executed in the same way as in the case of transactions between bankbook / card mixed accounts for cash transactions. Specifically, in the case of a card-only transaction, the control unit 40 receives input of a plurality of cash cards BC in response to a user operation of the card insertion start button 26a of the medium insertion image in the lower part of FIG. In S220), the medium image on the card surface of the accepted cash card BC is displayed in the image display area 20VW in the transaction content input guide image in the lower part of FIG. 8 (Step S310). In the case of transactions between bankbook / card mixed accounts, the control unit 40 accepts both the bankbook BT and cash card BC media (step S220), and the image display area 20VW in the transaction content input guidance image in the lower part of FIG. The medium image on the passbook surface of the accepted passbook BT and the medium image on the card surface of the accepted cash card BC are displayed together (step S310).

  In the subsequent processing, the control unit 40 skips steps S330 to S340 in FIG. 7 in the case of a card-only transaction, and executes steps S330 to S340 in FIG. 7 in the case of a passbook / card mixed account transaction. To do. This is because the cash card BC may be required as described above when conducting a payout transaction. Each processing after step S350 in FIG. 7 is as described above for both the card-only transaction and the bankbook / card mixed account transaction.

  Following the data processing in step S440 described above, the control unit 40 executes an accepted medium payout process as an inter-account transaction end process (step S510), ends all processes, and prepares for the next cash transaction. . This medium payout process is a process of sequentially paying out the bankbook BT and cash card BC received in step S210 of FIG. 5 and the cash card BC received in step S340 of FIG. 7 to the user. If the accepted medium is only the bankbook BT, the control unit 40 carries out the plurality of bankbooks BT received in the bankbook storage cassette 72 from the upper side by the bankbook transport mechanism 73 in the cassette and delivers it to the bankbook transport mechanism 71. Pay to the user. At this time, when the passbook BT to be withdrawn passes through the passbook entry mechanism 76, the control unit 40 records the details of the cash transaction performed on the passbook BT and its amount. For example, when paying out the bankbook BT4 described above, a 40,000 yen cash deposit transaction is booked in the bankbook BT4 in accordance with the format of the bank C deposit account. Note that the book format for each financial institution has already been obtained from the host computer HCA of the financial institution issuing the passbook as described above. The same applies to the passbooks BT3 to BT1 that are sequentially paid out following the passbook BT4.

  If the accepted medium is an inter-account transaction with only a cash card BC, the control unit 40 receives the plurality of cash cards BC received in the card storage cassette 82 from the upper side of the card storage mechanism 83 in the cassette. To the card transport mechanism 81 and pays out to the user. At this time, the control unit 40 issues a statement slip on which the details of the cash transaction performed on the cash card BC to be paid out and the amount thereof are printed by the statement slip mechanism portion 54, and also pays out the statement slip to the user. If the accepted medium is a transaction between a passbook / card mixed account with a mixture of passbook BT and cash card BC, the control unit 40 first completes the withdrawal and passbook entry of the accepted passbook BT, and then accepts it. The cash card BC is paid out and the required statement slip is paid out. Note that the control unit 40 sequentially pays out the media to the user without issuing the passbook or the statement slip in the medium payout after the password is determined not to be authentic in step S365 described above.

  The ATM 10 of the present embodiment having the above-described configuration displays an initial image shown in FIG. 4 on the customer panel 20 in cash transactions between a plurality of deposit accounts and existing individual cash transactions. This initial image includes various buttons such as a deposit button 21b and a payout button 22b used in an existing individual cash transaction, as well as an inter-account transaction button 23b for performing a cash transaction between a plurality of accounts for a plurality of deposit accounts. Including. As a result, the ATM 10 of the present embodiment inserts a bankbook BT or a cash card BC corresponding to each of a plurality of user-desired deposit accounts when the user operates the inter-account transaction button 23b in the initial image shown in FIG. Is received (step S220). At this time, the ATM 10 of this embodiment uses the data reading mechanism 74 and the data reading mechanism 84 by using the account information stored in the respective passbook BT and cash card BC as medium information from the plurality of accepted passbooks BT or cash cards BC. Read (step S220). The read account information includes a financial institution code, a branch code, an account number, an account holder name, and the like, and is used to specify a plurality of deposit accounts to be traded. The ATM 10 of the present embodiment collects the medium image and the medium image of the passbook cover for each accepted passbook BT or the medium image of the card surface by the passbook scanner 75 or the cassette scanner 85 (step S220). This media image is on the passbook cover or on the card surface, and the financial institution code, branch code, account number, name of the account holder, etc. are copied, so the user can have multiple passbooks BT or The deposit account corresponding to the cash card BC can be identified easily and reliably by looking at the medium image.

  The ATM 10 of the present embodiment displays the collected media images of the passbook BT or cash card BC on the customer panel 20 for each accepted passbook BT or cash card BC (step S310), and the transaction content input guide at the bottom of FIG. Provide images to the user and wait for user input required for cash transactions between accounts. Accordingly, the user visually recognizes the medium image for each medium included in the transaction content input guide image in the lower part of FIG. 8 and selects the displayed medium image by himself / herself and corresponds to the selected medium image. The contents of the cash transaction (payment transaction / deposit transaction) to be performed for the deposit account and the transaction amount are input, and the password is also input as necessary (steps S310 to S370).

  The ATM 10 of the present embodiment selects the medium image in the transaction content input guide image in the lower part of FIG. 8 on the user's own visual recognition, and then inputs the cash transaction content (payment transaction / deposit transaction) and the transaction amount. After the above, the authenticity of the personal identification number is determined through verification of the account information data including the regular personal identification number for the deposit account corresponding to the selected medium image (step S365). Then, the ATM 10 of the present embodiment, when the password is required, only when the entered password is correct, the passbooks BT1 to BT4 corresponding to the media image selected by the user while viewing the media image. For each deposit account, data processing when cash payment is made with the amount of money for each cash transaction content (deposit transaction / payment transaction) received from the user and data processing when cash deposit is made Sequentially executed (step S440). As a result, according to the ATM 10 of the present embodiment, for a user who desires to complete transaction processing by himself using a plurality of bankbooks BT1 to BT4 and a plurality of cash cards BC, a plurality of deposits desired by the user are stored. Since cash transactions between accounts can be executed after making the transaction process visible to the user, convenience and versatility are enhanced.

  When the ATM 10 of the present embodiment performs the cash transaction of the cash transaction content entered by the user, for example, since it is a deposit transaction, if the input of the recitation number is unnecessary (step S320: negative determination), the lower row of FIG. The transaction of the cash transaction that received the input from the user without performing the authenticity judgment of the PIN after the user input of the transaction content on the user's own visual recognition of the media image in the transaction content input guidance image Data processing required for

  The ATM 10 of this embodiment displays on the customer panel 20 a media image obtained by scanning the passbook cover or the card surface of a plurality of passbooks BT or cash cards BC brought in by the user himself / herself. Therefore, the user can input cash transactions while visually checking the financial institution code, branch code, account number, account holder name, etc. reflected in the media image. Can be reduced.

  The ATM 10 of the present embodiment is a transaction content input guidance image in the lower part of FIG. 8, and the cash transaction content that can be performed by the user in the inter-account transaction together with a plurality of passbook BT or cash card BC media images brought in by the user. Only the deposit button 21b and the withdrawal button 22b corresponding to the deposit and withdrawal are displayed. Therefore, the user can reliably specify a cash transaction desired by the user by performing the displayed button operation, and can be prevented from getting lost in the button operation. This contributes to improvement of convenience.

  In the ATM 10 of this embodiment, when the user specifies the cash transaction contents between a plurality of deposit accounts for each bankbook BT, the cash transaction for the next bankbook BT is completed after the cash transaction contents for one bankbook BT are specified. When specifying the content, in the transaction content input guide image of FIG. 12, the transaction content (payment transaction) already entered in the media image of the transaction book specified BT (BT1 in the figure) and the transaction amount (120,000 yen) ) To make the display form different from other media images. Accordingly, the user can select the medium image and specify the cash transaction content for the other bankbook BT while visually recognizing the transaction content and the amount of money that the user has already performed.

  When the ATM 10 of the present embodiment determines that a PIN is required for the specified cash transaction when the user specifies an inter-account transaction, the ATM 10 prompts the user for the PIN and the input is made. The personal identification number is checked against account information data of the financial institution's host computer HCA or the like to determine authenticity (step S365). And since the ATM 10 of this embodiment performs data processing necessary for a user-specified cash transaction only when the input PIN is correct, a plurality of accounts are secured with the same level of security as the existing ATM. Inter-dealing can be performed.

  The ATM 10 of the present embodiment, after data processing for cash transactions between a plurality of deposit accounts corresponding to a plurality of bankbooks BT1 to BT4 brought in by the user himself, each bankbook BT1 to BT4, the contents of the cash transaction and its amount Book. Therefore, according to ATM10 of this embodiment, it can follow the wish of the user who desires a passbook entry. Further, the ATM 10 of the present embodiment is different for each financial institution even if the financial institutions of the deposit accounts corresponding to the plurality of passbooks BT1 to BT4 brought in by the user are different (see the transaction content input guide image in the lower part of FIG. 8). The bookkeeping format is obtained, and the bookkeeping format is obtained. Therefore, it does not give a sense of incongruity to the user who views the passbook that has been recorded.

  Next, assuming a cash transaction between multiple deposit accounts, a unique inter-account transaction PIN that is predetermined to allow withdrawal transactions from a specific deposit account and deposit transactions to a specific deposit account. A process using the above will be described. FIG. 16 is an explanatory diagram showing the setting of the password for transaction between accounts. As shown in the figure, the user defines the deposit account of the bank account holder “Xxx xx” as the withdrawal account, the deposit account as the deposit account of the bank account holder “Xxx zz”, and the account name of the bank B. The deposit account of the person “Xxx yy” and the account of the bank account holder “Xxx sss” are determined. The account determined in this way is reported to Bank A. Upon receipt of this notification, Bank A pays out from the deposit account of Bank A's account holder “Xxx xx”, deposits into Bank A ’s account holder “Xxx zz”, and A unique inter-account transaction PIN that allows multi-account transactions that include a deposit transaction for the account holder “Xxx yy” and a deposit transaction for the bank account holder “Xxx sss”. Is stored in the database of the host computer HCA of the bank in association with the deposit account of the bank account holder “Xxx xx”.

  The user who has received the above-mentioned personal identification number for inter-account transaction is the bank account BT1 of the bank A account holder “Xxx xx”, the bank book BT2 of the bank account holder “Xxx zz”, and the bank B account. Bring the bankbook BT3 of the holder “Xxx yy” and the bankbook BT4 of the account holder “Xxx sss” of the bank C to the ATM 10 and perform the above-described cash transaction between these accounts. As described above, the ATM 10 receives the passbooks BT1 to BT4, presents the transaction content input guide image in the lower part of FIG. 8 to the user (step S310), and waits for user input. In this case, the user inputs the password for the inter-account transaction instead of the password for the bankbook BT1 of the account holder “Xxx xx” of the bank A of the payout transaction. The ATM 10 that has received the inter-account transaction PIN is subjected to data verification with the A-bank host computer HCA via the network NT to determine the authenticity of the inter-account transaction PIN. The above-described processing is executed according to the determination result. In this case, if the user mistakenly inserts the bank account of the account holder different from the above into the ATM 10, the account holder who does not correspond to the entered inter-account password is included. The passbook is paid out to the user because the security code is incorrect. Thus, even if it uses the peculiar code for transaction between accounts which permits transaction between multiple accounts, cash transaction between multiple accounts can be performed in ATM10.

  The present invention is not limited to the above-described embodiment, and can be realized with various configurations without departing from the spirit of the present invention. For example, the technical features of the embodiments corresponding to the technical features in each embodiment described in the summary section of the invention are intended to solve part or all of the above-described problems, or part of the above-described effects. Or, in order to achieve the whole, it is possible to replace or combine as appropriate. Further, if the technical feature is not described as essential in the present specification, it can be deleted as appropriate. In addition, the present invention can be realized in various forms other than the form described in the claims. For example, a form as a transaction processing system including an automatic transaction apparatus, a plurality of accounts performed in ATM 10 A form as a transaction method between a plurality of accounts for executing each step of inter-transaction processing, a form as a computer program for realizing each step of the transaction processing between a plurality of accounts as a function, a form as a storage device storing this computer program, and this computer It can be realized in the form of a print medium or the like on which the program is recorded.

  In the above embodiment, the transaction amount input guidance image and the amount input stand-by (step S370) shown in the lower part of FIG. 11 are performed after the password is determined, but the medium image display and the transaction content input in step S310 are performed. It may be performed following the standby. In this case, display of the transaction amount input guide image in the lower part of FIG. 8 and user input may be followed by display of the transaction amount input guide image in the lower part of FIG. Then, after the user's amount is input, it may be determined whether or not the personal identification number is necessary.

  In the above embodiment, the passbook BT or cash card BC brought in by the user is scanned to create a medium image. However, based on the account information data read from the passbook BT or cash card BC, the financial institution name, branch name, A media image including an account holder or the like may be generated. At this time, passbook cover image data and card surface image data may be taken in from a financial institution via the network NT, and a media image may be generated by superimposing data such as an account holder on this image data.

  In the above embodiment, as shown in the transaction content input guide image in the lower part of FIG. 8, in performing a cash transaction between a plurality of deposit accounts, the account holders are different and the financial institutions are also different. It also supports inter-account transactions for a plurality of passbooks BT of the same account holder and inter-account transactions for a plurality of passbooks BT handled by the same financial institution.

  In addition, elements other than the elements described in the claims among the components in each of the embodiments described above are additional elements and can be omitted as appropriate.

10 ... Automatic transaction equipment (ATM)
DESCRIPTION OF SYMBOLS 12 ... Passbook insertion hole 14 ... Card insertion hole 15 ... Transaction details discharge port 16 ... Coin insertion port 18 ... Bill insertion port 20 ... Customer panel 20BW ... Button display area 20VW ... Image display area 21b ... Deposit button 22b ... Discharge button 23b ... Inter-account transaction button 25a ... Passbook capture start button 25b ... Passbook capture end button 26a ... Card capture start button 26b ... Card capture end button 27a-27d ... Media image 28b ... Confirm button 40 ... Control unit 42 ... Between accounts Transaction display control unit 44 ... Inter-account transaction data management unit 46 ... Inter-account transaction processing unit 50 ... Banknote / coin transport device group 52 ... Bill / coin mechanism unit 54 ... Statement slip mechanism unit 56 ... Line connection unit 70 ... Passbook mechanism unit 71 ... Passbook transport mechanism 72 ... Passbook storage cassette 73 ... Passbook transport mechanism in cassette 74 ... Data reading mechanism 75 ... Passbook scanner 76 ... Passbook entry mechanism 80 ... Card mechanism 81 ... Card transport mechanism 82 ... Card storage cassette 83 ... In-cassette card transport mechanism 84 ... Data reading mechanism 85 ... Cassette scanner 100 ... Cash transaction processing system BC ... Cash card NT ... Network HCA ... Host computer HCA ... Host computer BT, BT1 to BT4 ... Passbook

Claims (4)

Automatic transaction equipment,
An initial image display unit for displaying an initial image for accepting start input of inter-account transactions in a plurality of deposit accounts on a display screen;
When there is a start input of the transaction between accounts in the initial image, for the plurality of deposit accounts, an input of a medium corresponding to each deposit account is received, and medium information necessary for specifying the deposit account from the received medium and a reading Rutotomoni, the medium reception section to obtain issuing bookkeeping format information based financial institutions used from the issuing financial institution of the passbook,
A medium image display unit for displaying a medium image of the received medium on the display screen for each of the received medium;
When there is a selection of a deposit account for performing the inter-account transaction from the user in the plurality of medium images displayed on the display screen, an input of transaction details performed in the selected deposit account, and a transaction content that has received the input A transaction content input standby unit that waits for the input of transaction permission information necessary for permitting the transaction of the transaction and the input of the transaction amount accompanying the transaction content received,
When the transaction permission information is input, the account information data of the selected deposit account is specified based on the medium information, the authenticity of the transaction permission information is determined based on the account information data, and the transaction If the permission information is correct, it has a cash transaction processing unit that performs transaction processing according to the transaction content ,
The developing trading executed section, after execution of the transaction process, you posting cash transaction records based on the transaction processing on the passbook in accordance with the bookkeeping format information, automated teller machine.   The automatic transaction apparatus according to claim 1, wherein the medium reception unit outputs a medium scan image obtained by scanning the received medium as the medium image to the medium image display unit.   The transaction content input standby unit waits for input of cash withdrawal or cash deposit as the transaction content to be performed for the deposit account corresponding to the selected medium image, and inputs the cash withdrawal as the transaction content The automatic transaction apparatus according to claim 1 or 2, waiting for input of the transaction permission information for the deposit account corresponding to the received medium image.   In determining whether the transaction permission information is true or not, the cash transaction processing unit receives a personal identification number specific to a deposit account corresponding to the medium image that has received the cash withdrawal input or the cash withdrawal input. Further, the transaction permission information is any one of the specific transaction processing code numbers determined in advance so as to permit cash deposit from the deposit account corresponding to the medium image to the selected other deposit account. The automatic transaction apparatus according to claim 3, wherein authenticity of the transaction processing password is determined.

Images