JP6206148B2 - Transaction apparatus and transaction method - Google Patents

Description

  The present invention relates to a transaction apparatus and a transaction method, and can be applied to, for example, an ATM (Automated Teller Machine) installed in a financial institution such as a bank.

  Conventionally, in ATMs that can handle bankbooks, transaction contents are recorded (transaction contents are printed) at the end of the transaction. In the conventional ATM, there are cases where the number of remaining lines that can be booked with the passbook is insufficient (the remaining area that can be printed is insufficient) with respect to the number of lines of data to be booked. Therefore, in the conventional ATM, when the number of remaining lines that can be booked is insufficient during the bookkeeping in the bankbook, there is a case where a new bankbook is issued and the bankbook is carried over to the bankbook. . In the conventional ATM, when a passbook carryover occurs, a plurality of passbooks are discharged, so that customers often forget to take a passbook.

  In the case where a bankbook carryover occurs at an ATM, as a conventional technique for preventing a customer from forgetting to take a bankbook, for example, there is a technique for making a notice by voice or a screen and calling attention. In addition, in the ATM described in Patent Document 1, when a passbook carry-over occurs in a withdrawal transaction (payment transaction), the bill counting process and the passbook carry-over process are performed in parallel, and all the media are returned all at once, or We try to prevent forgetting them by returning them continuously.

JP 2004-78770 A

  However, in the conventional ATM, for example, when a passbook rollover occurs in a withdrawal transaction, the transaction (withdrawal transaction) is performed when the customer receives only the previously released passbook (either new passbook or old passbook). Etc.) may be misunderstood, and there is a risk of forgetting to receive a passbook (either a new passbook or an old passbook) that was discharged later. In other words, with conventional ATMs, even if a bank account carryover occurs when making a withdrawal transaction, the customer forgets to receive a passbook (either a new passbook or an old passbook) that was later discharged. There was a problem that.

  Therefore, there is a demand for a transaction apparatus and a transaction method that can suppress forgetting to take a passbook at the time of transaction using the passbook.

  The transaction apparatus according to the first aspect of the present invention includes (1) a passbook insertion / extraction means for accepting and inserting a passbook, and (2) printing a transaction history on the first passbook inserted in the passbook insertion / extraction means. And, when the remaining printable area of the first passbook is insufficient, a passbook entry means for performing a carry-over process of issuing the second passbook and printing the remaining transaction history, and (3) in the passbook insertion / ejection means When performing a transaction using the inserted passbook, before the transaction, the first passbook after the transaction history is printed is discharged to the passbook insertion / extraction means, and after the transaction, the second passbook is transferred to the passbook. And a transaction means for discharging the insertion / discharge means.

  The transaction apparatus according to the second aspect of the present invention comprises (1) a passbook insertion / discharge means for accepting and inserting a passbook, and (2) when the first passbook is inserted into the passbook insertion / discharge means. When the amount of unprinted transaction history related to the first passbook is compared with the remaining area that can be printed with the first passbook, and it is determined that the remaining area of the first passbook is insufficient, the second passbook is A passbook entry means for issuing a carry-over process for issuing and printing an unprinted transaction history in the first passbook and the second passbook; and (3) when performing a transaction using the first passbook, And a transaction means for causing the passbook insertion / exhaust means to discharge the first passbook after the transaction history is printed before performing the transaction, and for causing the passbook insertion / exhaust means to discharge the second passbook after the transaction. And

  A third aspect of the present invention is a transaction method performed by a transaction apparatus, comprising: (1) a passbook insertion / discharge means, a passbook entry means, and a transaction means; (2) the passbook insertion / discharge means accepts passbook insertion and discharges the passbook (3) The passbook entry means prints the transaction history on the first passbook inserted in the passbook insertion / ejection means, and if the remaining area of the first passbook that can be printed is insufficient, Issue a passbook and print the remaining transaction history. (4) When the transaction means conducts a transaction using the passbook inserted in the passbook insertion / extraction means, The first passbook after history printing is discharged to the passbook insertion / extraction means, and after the transaction, the second passbook is discharged to the passbook insertion / extraction means.

  A fourth aspect of the present invention is a transaction method performed by the transaction apparatus, comprising: (1) a passbook insertion / discharge means, a passbook entry means, and a transaction means; (2) the passbook insertion / discharge means accepts the passbook insertion and discharges the passbook (3) When the first passbook is inserted into the passbook insertion / ejection means, the passbook entry means uses the amount of unprinted transaction history related to the first passbook and the first passbook. If the remaining area of the first passbook is determined to be insufficient by comparing with the remaining printable area, a second passbook is issued, and the unprinted transaction history in the first passbook and the second passbook (4) When the transaction means performs a transaction using the first passbook, the transaction means inserts the first passbook after the transaction history is printed before performing the transaction. After the transaction, the second passbook is discharged to the passbook insertion and discharge means. And characterized in that out.

  ADVANTAGE OF THE INVENTION According to this invention, the transaction apparatus which suppresses forgetting to take a bankbook in the case of the transaction using a bankbook can be provided.

It is the block diagram shown about the functional structure of ATM which concerns on 1st Embodiment. It is an external appearance perspective view of ATM which concerns on 1st Embodiment. It is explanatory drawing shown about the structural example of the passbook processed by ATM which concerns on 1st Embodiment. It is the flowchart shown about operation | movement in case a deposit transaction is performed by ATM which concerns on 1st Embodiment. It is explanatory drawing shown about the structural example of the passbook carry-over selection screen displayed when a deposit transaction is performed by ATM which concerns on 1st Embodiment. It is the flowchart shown about operation | movement in case a payment transaction is performed by ATM which concerns on 1st Embodiment. It is explanatory drawing shown about the structural example of the passbook carry-over selection screen displayed when a deposit transaction is performed by ATM which concerns on 1st Embodiment. It is the flowchart shown about operation | movement in case a deposit transaction is performed by ATM which concerns on 2nd Embodiment. It is explanatory drawing shown about the structural example of the attention confirmation screen displayed by ATM which concerns on 2nd Embodiment. It is the flowchart shown about operation | movement in case a deposit transaction is performed by ATM which concerns on 3rd Embodiment. It is explanatory drawing shown about the structural example of the account transfer selection screen displayed by ATM which concerns on 3rd Embodiment.

(A) 1st Embodiment Hereinafter, 1st Embodiment of the transaction apparatus and transaction method by this invention is described in full detail, referring drawings. In addition, 1st Embodiment demonstrates the example at the time of applying the transaction apparatus of this invention to ATM.

(A-1) Configuration of First Embodiment FIG. 1 is a block diagram showing a functional configuration of transaction system 1 and ATM 1 of this embodiment.

  The ATM 1 is installed in a financial institution store or the like, and is an information processing (for example, transaction processing) operation of a customer (hereinafter, also referred to as “user”) that performs transaction processing or communication with the host computer 2. Thus, a transaction process (for example, a transaction process related to the customer's account) according to the operation of the customer is performed.

  The ATM 1 can perform information processing by connecting to the host computer 2 via the network N1.

  Next, the internal configuration of ATM1 will be described.

  The ATM 1 includes a control unit 10, a data storage unit 20, an operation display unit 30, a card reader 40, a printer 50, a passbook processing unit 60, and a cash processing unit 70.

  The control unit 10 has a function of controlling the operation of each unit in the ATM 1, and includes a transaction processing unit 110 and a communication unit 120. The data storage unit 20 is a data storage unit that stores various types of information necessary for the control unit 10 to perform information processing, and can be configured by various types of memories, for example.

  The control unit 10 can be realized, for example, by installing the transaction program of the embodiment (a program including a processing configuration such as the transaction processing unit 110) or the like in an implementation configuration of a program including a processor or the like. For example, the above-described transaction program may be stored in the data storage unit 20 and read and executed by the control unit 10 when the ATM 1 is activated.

  The communication unit 120 is a network interface for connecting to the host computer 2 via the network N1.

  The operation display unit 30 functions as a customer interface with a customer who operates the ATM 1. The type of device used for the interface with the customer in the operation display unit 30 is not limited, but here, a touch panel display 31 (see FIG. 2) capable of displaying a screen capable of accepting a transaction operation, and In the following description, it is assumed that a hardware key unit 32 (see FIG. 2) configured by a hardware key (for example, a numeric keypad) capable of inputting a password such as a password is applied.

  The card reader 40 reads data of a card (cash card) inserted by a customer at a card insertion / extraction port 401 (see FIG. 2).

  The printer 50 prints a statement slip printed with transaction contents and the like and discharges it from the statement slip outlet 501 (see FIG. 2).

  The passbook processing unit 60 has a passbook processing function, and performs processing of a passbook inserted from a customer at a passbook insertion / exhaust port 601 (see FIG. 2), processing of a passbook newly issued when a passbook is carried over, and the like. Do.

  As shown in FIG. 1, the passbook processing unit 60 includes a data processing unit 61, a print processing unit 62, a new passbook storage unit 63, a passbook transport unit 64, and a passbook holding unit 65.

  FIG. 3 is an explanatory diagram showing a configuration example of a passbook processed by the passbook processing unit 60. Note that the structure of the bankbook handled by ATM1 is not limited to that shown in FIG.

  In the booklet-like passbook B shown in FIG. 3, a recording paper B1 having a plurality of double-sided passbook paper surfaces is sandwiched between the front cover B2 and the back cover B3 of the booklet. FIG. 3A shows a case where the booklet-like passbook B is opened and viewed from the front cover portion (front cover B2, back cover B3). FIG. 3B is a plan view when the booklet-like passbook B is opened and viewed from the recording paper B1 side. As shown in FIG. 3B, a transaction history (transaction amount, transaction contents, post-transaction balance, etc.) based on the book data is printed (printed) on a plurality of lines on the recording paper B1. Further, as shown in FIG. 3A, an account number, a customer name, and the like are printed on the cover B2 of the passbook B. Further, as shown in FIG. 3A, the back cover B3 of the passbook B is provided with a magnetic stripe B4 in which the account data related to the passbook B1 is recorded.

  The data processing unit 61 reads / writes data from / to the magnetic stripe (data recording unit) attached to the passbook.

  The print processing unit 62 performs a printing process on the passbook paper surface of the passbook.

  The new passbook storage unit 63 stores a predetermined number of new passbooks (passbooks in which the account number and name are not printed on the cover and the magnetic stripe is initialized) to be issued when a passbook carryover occurs. To do. The new passbook storage unit 63 can feed out stored passbooks according to control.

  The passbook transport unit 64 transports, takes in, and discharges the passbook (passbook inserted from the passbook insertion / extraction port 601 and passbook fed from the new passbook storage unit 63) inside the passbook processing unit 60.

  The passbook holding unit 65 temporarily holds a passbook (passbook inserted from the passbook insertion / extraction port 601 or a passbook drawn from the new passbook storage unit 63) when the passbook processing unit 60 performs processing such as passbook carryover. To do. Specifically, the passbook holding unit 65 is provided with a storage unit (not shown) that can store at least one passbook, and a passbook that passes through a transport path (not shown) constituted by the passbook transport unit 64. It can be taken in and delivered.

  The cash processing unit 70 has a function of receiving and storing cash (banknotes and / or coins) received from the customer and a function of withdrawing the stored cash to the customer. The cash processing unit 70 has a banknote deposit / withdrawal port 701 and a coin deposit / withdrawal port 702 as handling ports for handling deposits / withdrawals of banknotes and coins. In addition, the cash processing part 70 can apply the same thing as the existing ATM.

  The transaction processing unit 110 performs information processing (including processing associated with presentation of an operation screen to the customer and operation reception) for performing transaction processing with the customer, control of each component in the ATM 1 in accordance with the transaction processing, and the like. Is what you do.

  When ATM1 (transaction processing part 110) of 1st Embodiment performs the payment transaction (payment transaction) with a cash payment to the customer and the deposit transaction (deposit transaction) with the cash payment from the customer using a passbook, Before the cash is deposited or withdrawn, the bankbook inserted by the customer (hereinafter referred to as “old bankbook”) is booked. When ATM1 (transaction processing unit 110) issues a new passbook and carries over the passbook as necessary, it discharges the old passbook and then performs a deposit transaction or withdrawal transaction. Control to do.

(A-2) Operation of the First Embodiment Next, with respect to the operation (transaction method of the embodiment) when a deposit transaction is performed at the ATM 1 of the first embodiment having the above-described configuration, FIG. It demonstrates using the flowchart of these.

  Here, as an initial state (a customer waiting state), based on the control of the transaction processing unit 11, an operation screen (for example, a deposit transaction (deposit transaction), It is assumed that an operation screen that can select one of a plurality of transactions such as gold transaction, balance inquiry, passbook entry, and the like (hereinafter referred to as “transaction selection screen”) is displayed (S101). In this example, it is assumed that the deposit transaction (deposit transaction) is selected by the customer on the transaction selection screen (S102).

  Next, it is assumed that the transaction processing unit 11 displays a screen requesting insertion of a passbook on the touch panel display 31 (for example, a screen displaying a message “Please insert a passbook”). Then, it is assumed that the customer has inserted a passbook into the passbook insertion / extraction port 601 of the passbook processing unit 60 (S103).

  Next, the transaction processing unit 11 performs a bookkeeping process (printing process) of unbooked book data (transaction history) for the inserted passbook (S104). Specifically, the transaction processing unit 11 controls the passbook processing unit 60 to read the data recorded in the magnetic stripe of the passbook, and acquires the account number related to the passbook. Then, the transaction processing unit 11 communicates with the host computer 2 and acquires unbooked book data related to the account number. The transaction processing unit 11 controls the passbook processing unit 60 to book (print) the contents of the bookkeeping data acquired in the inserted passbook. And here, the number of lines that can be booked in the inserted bankbook is insufficient for the number of lines that need to be booked based on the bookkeeping data. And In other words, at this point, it is necessary to carry over the passbook to book the remaining passbook data for the inserted passbook.

  The transaction processing unit 11 obtains unbooked entry data related to the inserted passbook when the passbook is inserted (inquires the host computer 2 based on the account number recorded in the magnetic stripe of the passbook). It is also possible to determine whether or not it is necessary to carry over the passbook by acquiring the book data and comparing the number of the unbooked book data with the number of remaining printable lines of the passbook. That is, the transaction processing unit 11 performs the process of step S104 only when there is no need to carry over the bankbook, and skips the process of step S104 when the bankbook carryover is necessary, and proceeds to the process of step S105. Good.

  Next, the transaction processing unit 110 performs processing for causing the customer to select whether or not to carry over the passbook (S105). Specifically, the transaction processing unit 110 causes the touch panel display 31 to display an operation screen (hereinafter referred to as “passbook carryover selection screen”) for allowing the customer to select whether or not to carry over the bankbook carryover. Process to accept selection from. The transaction processing unit 110 starts from step S106 described later when accepting that the bankbook carry-over is executed from the customer. If not (when accepting that the bankbook carry-over is not executed from the customer), the transaction processing unit 110 will be described later. The operation starts from step S109.

  FIG. 5 is an explanatory diagram showing a configuration example of a passbook carryover selection screen.

  In the passbook carry-over selection screen shown in FIG. 5, a message “Do you want to carry over the passbook?” And a button B101 (a button labeled “Yes”) for accepting that the bankbook is carried over, and a passbook A button B102 (a button displayed as “No”) for accepting not to carry over is arranged.

  If it is accepted in step S105 that the bankbook carryover is to be executed, the transaction processing unit 110 controls the bankbook processing unit 60 to insert the bankbook inserted by the customer (the old bankbook after the bookkeeping) into the bankbook. The paper is discharged from the discharge port 601 (S106), and a new passbook is issued (S107).

  Specifically, the passbook processing unit 60 feeds out a new passbook from the new passbook storage unit 63 and is the same as the passbook (old passbook) inserted from the customer using the data processing unit 61 in the magnetic stripe of the passbook. The account data is written, and the print processing unit 62 is used to print the same account information as the passbook (old passbook) inserted by the customer on the cover of the passbook and issue a new passbook.

  Next, the transaction processing unit 110 performs a book entry process on the new passbook based on the unbooked book data (the remaining book data that could not be printed in step S104 described above) (S108).

  Depending on the amount of unbooked book data, unbooked book data may remain in one new book. That is, in the transaction processing unit 110, the processes in steps S107 and S108 are repeatedly executed until there is no unbooked book data. In that case, every time a new bankbook is issued, the transaction processing unit 110 controls the bankbook processing unit 60 to discharge (return) the bankbook that has undergone the bookkeeping process as an old bankbook.

  When it is accepted in step S105 that the bankbook is not carried over, or after the process in step S108, the transaction processing unit 110 performs a process of accepting cash input from the customer (S109).

  Specifically, for example, the transaction processing unit 110 causes the touch panel display 31 to display a screen requesting cash input (for example, a screen displaying a message “Please insert cash”), and the cash processing unit 70. Is controlled so that cash can be input from the customer.

  Then, when cash is inserted into the cash processing unit 70 (the banknote deposit / withdrawal port 701, the coin deposit / withdrawal port 702), the transaction processing unit 110 controls the cash processing unit 70 to confirm the amount of cash inserted ( (Counting by denomination) is executed (S110), and further, information processing (transaction processing) of the deposit transaction is executed by communicating with the host computer 2 (S111). Further, the transaction processing unit 110 controls the cash processing unit 70 to store the counted cash in a storage unit (not shown) (S112).

  Next, the transaction processing unit 110 checks whether or not a new passbook has been issued (whether or not the above-described step S107 has been executed) (S113), and if a new passbook has been issued Operates from the process of step S114 described later, and otherwise operates from the process of step S116 described later.

  If it is confirmed in step S113 described above that a new passbook has been issued, the transaction processing unit 110 controls the passbook processing unit 60 to store the book data generated with the deposit transaction executed this time. The new passbook is entered (S114), and the new passbook is discharged (returned) from the passbook insertion / extraction port 601 (S115).

  On the other hand, when it is confirmed in the above-described step S113 that the new bankbook has not been issued, the transaction processing unit 110 controls the bankbook processing unit 60 to store the bankbook (old bankbook) inserted into the customer. Then, it is discharged (returned) from the passbook insertion / discharge port 601 (S116).

  After the process of step S115 or step S116 described above is completed, ATM1 (transaction processing unit 110) ends the current transaction and returns to the customer waiting state (the initial state of step S101 described above) (S117).

  Next, the operation (dealing method of the embodiment) when a withdrawal transaction is performed in the ATM 1 of the first embodiment having the above configuration will be described with reference to the flowchart of FIG.

  Here, it is assumed that a transaction selection screen is displayed on the touch panel display 31 based on the control of the transaction processing unit 11 as an initial state (a customer waiting state) (S201). Here, it is assumed that the withdrawal transaction is selected on the transaction selection screen by the customer (S202).

  Next, the transaction processing unit 11 displays a screen requesting insertion of a passbook and a card (a cash card of the same account as the passbook) on the touch panel display 31 (for example, a screen displaying a message “Please insert a passbook / card”) ) Is displayed. Then, it is assumed that the customer has inserted a passbook into the passbook insertion / extraction port 601 of the passbook processing unit 60 and further inserted a card into the card insertion / extraction port 401 of the card reader 40 (S203).

  Next, the transaction processing unit 11 performs an unbooked data bookkeeping process (printing process) for the inserted bankbook (S204). Note that the processing in step S204 is the same as the processing in step S104 described above, and thus detailed description thereof is omitted.

  Next, the transaction processing unit 110 performs processing for causing the customer to select whether or not to carry over the passbook (S205). Note that the process in step S205 is the same as the process in step S105 described above, and thus detailed description thereof is omitted. The transaction processing unit 110 operates from step S206 to be described later when it is accepted from the customer that the bankbook carryover is executed, and otherwise (after that it is accepted from the customer that the bankbook carryover is not executed). The operation starts from step S209.

  FIG. 7 is an explanatory diagram showing a configuration example of a passbook carryover selection screen displayed on the touch panel display 31 by the transaction processing unit 110 in the withdrawal transaction.

  In the passbook carry-over selection screen shown in FIG. 7, a message “Do you want to carry over the passbook?” And a button B201 (a button displayed as “Yes”) for accepting execution of the passbook carry-over, and a passbook A button B202 (a button displayed as “No”) for accepting not to carry over is arranged.

  If it is accepted in step S205 that the bankbook carryover is to be executed, the transaction processing unit 110 controls the bankbook processing unit 60 to insert the bankbook inserted by the customer (the old bankbook that has been recorded) into the bankbook. The paper is discharged (returned) from the discharge port 601 (S206), and a new passbook is issued (S207).

  Next, the transaction processing unit 110 performs a book entry process on the new passbook based on the unbooked book data (the remaining book data that could not be printed in step S204 described above) (S208).

  When it is accepted in step S205 that the bankbook is not carried forward, or after the process in step S208, the transaction processing unit 110 receives a password input acceptance process required for the withdrawal transaction from the customer (S209). And the process which receives the input reception input (S210) of withdrawal amount is performed. Specifically, the transaction processing unit 110 displays a screen requesting input of a personal identification number on the touch panel display 31 (for example, a message “Please input the personal identification number”), and uses the hard key unit 32. It is also possible to accept the entered password. Further, the transaction processing unit 110 displays on the touch panel display 31 a screen requesting input of the withdrawal amount (for example, an operation screen for accepting an amount input using a soft key) and accepts the input of the withdrawal amount. May be.

  When the personal identification number and the withdrawal amount are input, the transaction processing unit 110 communicates with the host computer 2 and executes information processing (transaction processing) related to the withdrawal transaction (S211). At this time, the transaction processing unit 110 performs information processing for performing a withdrawal transaction of the entered withdrawal amount with the entered password for the inserted bankbook (cash card) account with the host computer 2. Run between. Here, in order to simplify the description, the following description will be made on the assumption that the information processing (transaction processing) related to the withdrawal transaction between the transaction processing unit 110 and the host computer 2 has been successful.

  When the information processing related to the withdrawal transaction with the host computer 2 is successful, the transaction processing unit 110 controls the cash processing unit 70 to prepare cash to be withdrawn (for example, pays out cash from a storage unit (not shown)). (S212) is further performed (step S212).

  Next, the transaction processing unit 110 confirms whether or not a new passbook has been issued (whether or not the above-described step S207 has been executed) (S213), and if a new passbook has been issued Operates from the process of step S214 described later, and otherwise operates from the process of step S216 described later.

  If it is confirmed in step S213 described above that a new passbook has been issued, the transaction processing unit 110 controls the passbook processing unit 60 to store the book data generated with the deposit transaction executed this time. A new passbook is entered (S214). Next, the transaction processing unit 110 controls the passbook processing unit 60, the card reader 40, and the cash processing unit 70 to discharge (return) the new passbook, the card, and the cash to be withdrawn (S215).

  On the other hand, when it is confirmed in the above-described step S213 that a new passbook has not been issued, the transaction processing unit 110 controls the passbook processing unit 60, the card reader 40, and the cash processing unit 70 to The bankbook (old bankbook), card, and cash to be withdrawn are discharged (returned) (S216).

  After the process of step S215 or step S216 described above is completed, ATM1 (transaction processing unit 110) ends the current transaction and returns to the customer waiting state (the initial state of step S201 described above) (S217).

  As described above, in the ATM 1 of the first embodiment, the passbook processing unit 60 (passbook insertion / discharge port 601, passbook transport unit 64, etc.) constitutes a passbook insertion / discharge means. Moreover, in ATM1, the transaction means is realized by the control unit 10 (transaction processing unit 110) or the like. Furthermore, in ATM1, the control part 10 (transaction processing part 110), the passbook processing part 60 (printing process part 62), etc. comprise the book selection means. Furthermore, in ATM1, the book selection means is realized by the control unit 10 (transaction processing unit 110) and the operation display unit 30 (touch panel display 31).

(A-3) Effects of First Embodiment According to the first embodiment, the following effects can be achieved.

  In ATM1, when carrying out a transaction (for example, a deposit transaction or a withdrawal transaction), if a bankbook carryover occurs in the inserted bankbook, the bankbook is first recorded and discharged before the new bankbook. Is being discharged. Thereby, in ATM1, only one passbook is received by the customer at the end of the transaction (when there is only one new passbook). In other words, in ATM1, even when a plurality of bankbooks are discharged, it is possible to prevent the customer from misidentifying and forgetting the bankbook.

  Moreover, in ATM1, since the passbook carryover selection screen is displayed and the customer is allowed to select whether or not to carry over the passbook, convenience is improved.

(B) Second Embodiment Hereinafter, a second embodiment of the transaction apparatus and the transaction method according to the present invention will be described in detail with reference to the drawings. In addition, 2nd Embodiment demonstrates the example at the time of applying the transaction apparatus of this invention to ATM.

(B-1) Configuration and Operation of the Second Embodiment The configuration of the ATM 1 of the second embodiment can be described using the above-described FIG. 1 and FIG. 2 as in the first embodiment. Hereinafter, differences of the second embodiment from the first embodiment will be described.

  In 2nd Embodiment ATM1 (transaction processing part 110), when the insertion of a passbook is received from the customer, the information which alerts the customer not to forget to take the passbook is presented (displayed from the touch panel display 31). This is different from the first embodiment. ATM1 (transaction processing unit 110) of the second embodiment collects and mails the bankbook if it forgets to take it, and charges a fee if the bankbook is mailed. It is assumed that processing for displaying and outputting a message and causing the customer to confirm (for example, pressing a predetermined button) is performed.

  Next, the specific operation (the transaction method of the embodiment) of the ATM 1 of the second embodiment will be described with reference to the flowchart of FIG. The flowchart of FIG. 8 shows an operation when a deposit transaction using a passbook is performed in the ATM 1 (transaction processing unit 110) of the second embodiment.

  Here, it is assumed that a transaction selection screen is displayed on the touch panel display 31 based on the control of the transaction processing unit 11 as an initial state (a customer waiting state) (S301). Here, it is assumed that a deposit transaction (payment transaction) has been selected on the transaction selection screen by the customer (S302).

  Next, the transaction processing unit 11 displays a screen requesting insertion of a passbook on the touch panel display 31. Then, it is assumed that the customer has inserted a passbook into the passbook insertion / extraction port 601 of the passbook processing unit 60 (S303).

  Next, the transaction processing unit 11 alerts the touch panel display 31 to forgetting to take a passbook and displays an operation screen (hereinafter referred to as “attention confirmation screen”) for allowing the customer to confirm the contents (hereinafter referred to as “attention confirmation screen”) ( S304).

  FIG. 9 is an explanatory diagram showing a configuration example of the attention confirmation screen.

  In the caution confirmation screen shown in FIG. 9, as information for calling attention to forgetting to take a passbook, “If you forget to take over the passbook, we will deliver it by mail (paid)”. A button B301 for displaying a message and receiving confirmation from the customer (confirmation that the message has been called) is arranged. In the attention confirmation screen, when the confirmation button B301 is pressed, the processing proceeds to the subsequent processing. That is, after displaying the attention confirmation screen, the transaction processing unit 11 does not shift to the next processing until the customer confirms the content (stops the progress of the transaction).

  Then, when the confirmation button B301 is pressed on the attention confirmation screen, the transaction processing unit 11 performs an unbooked data bookkeeping process (printing process) for the inserted bankbook (S305).

  Next, the transaction processing unit 110 controls the passbook processing unit 60 to discharge the passbook (old passbook) inserted from the customer from the passbook insertion / discharge port 601 (S306), and further issues a new passbook ( S307).

  Next, the transaction processing unit 110 performs a book entry process on the new passbook based on the unbooked entry data (S308).

  Next, the transaction processing unit 110 performs a process of accepting cash input from the customer (S309).

  Then, when cash is inserted into the cash processing unit 70 (the banknote deposit / withdrawal port 701, the coin deposit / withdrawal port 702), the transaction processing unit 110 controls the cash processing unit 70 to confirm the amount of cash inserted ( (Counting for each denomination) is executed (S310), and further, information processing (transaction processing) of the deposit transaction is executed by communicating with the host computer 2 (S311). The transaction processing unit 110 controls the cash processing unit 70 to store the counted cash in a storage unit (not shown) (S312).

  Next, the transaction processing unit 110 controls the passbook processing unit 60 so that the bookkeeping data generated with the deposit transaction executed this time is entered in the new passbook (S313), and the new passbook is inserted into the passbook insertion / exhaust port 601. It is discharged (returned) from (S314).

  Next, ATM1 (transaction processing part 110) complete | finishes this transaction, and returns to a customer waiting state (S315).

  In FIG. 8, only the operation of the deposit transaction is described for the ATM 1 of the second embodiment, but for the withdrawal transaction, the process of presenting a confirmation screen to the customer at the time of inserting the passbook is performed similarly. Also good. In FIG. 8, the process for selecting whether or not to carry over the bankbook carryover (the process using the above-described bankbook carryover selection screen) is not performed, but the same process as in the first embodiment is applied. You may do it.

  As mentioned above, in ATM1 of 2nd Embodiment, in ATM1, the alerting information presentation means is implement | achieved by the control part 10 (transaction processing part 110) and the operation display part 30 (touch panel display 31).

(B-2) Effects of Second Embodiment According to the second embodiment, the following effects can be achieved.

  In the ATM 1 of the second embodiment, it is possible to alert the customer not to forget to take a passbook by presenting a notice confirmation screen to the customer when the passbook is inserted. Moreover, in ATM1 of 2nd Embodiment, a customer can recognize that expense (mailing expense) generate | occur | produces when it forgets to take a bankbook on a caution confirmation screen, and stronger alerting is attained.

(C) Third Embodiment Hereinafter, a third embodiment of the transaction apparatus and the transaction method according to the present invention will be described in detail with reference to the drawings. In the third embodiment, an example in which the transaction apparatus of the present invention is applied to ATM will be described.

(C-1) Configuration and Operation of the Third Embodiment The configuration of the ATM 1 of the third embodiment can be described using the above-described FIG. 1 and FIG. 2 as in the first embodiment. Hereinafter, differences of the third embodiment from the first embodiment will be described.

  There are two types of financial institution accounts: one that issues a passbook and the other that does not issue a passbook (hereinafter referred to as a “no passbook account”). In the account to which the passbook is issued, the transaction history is recorded in the passbook. However, since the passbook is not issued in the non-passbook account, the processing of the book entry in the ATM does not occur. A customer having a passbook account can refer to a transaction history (data corresponding to book data) on a host computer via a network such as the Internet, for example.

  The third embodiment ATM1 (transaction processing unit 110) is different from the first and second embodiments in that when a passbook is inserted from a customer, a process of selecting a transfer to a non-passbook account is performed. . Specifically, the third embodiment ATM1 (transaction processing unit 110), when receiving a passbook insertion from a customer, allows the customer to select whether or not to shift to a non-passbook account (hereinafter, “ “Account transfer selection screen” is displayed on the touch panel display 31 to accept the selection from the customer.

  Next, the specific operation (the transaction method of the embodiment) of the ATM 1 of the third embodiment will be described using the flowchart of FIG. The flowchart of FIG. 10 shows an operation when a deposit transaction using a passbook is performed in the ATM 1 (transaction processing unit 110) of the third embodiment.

  Here, it is assumed that a transaction selection screen is displayed on the touch panel display 31 based on the control of the transaction processing unit 11 as an initial state (a customer waiting state) (S401). Here, it is assumed that a deposit transaction (payment transaction) has been selected by the customer on the transaction selection screen (S402).

  Next, the transaction processing unit 11 displays a screen requesting insertion of a passbook on the touch panel display 31. Then, it is assumed that the customer has inserted a passbook into the passbook insertion / exhaust port 601 of the passbook processing unit 60 (S403).

  Next, the transaction processing unit 11 causes the touch panel display 31 to display an account transfer selection screen for allowing the customer to select whether or not to transfer to a non-passbook account (S404).

  FIG. 11 is an explanatory diagram showing a configuration example of the account transfer selection screen.

  In the account transfer selection screen shown in FIG. 11, a message “Do you want to switch to a non-passbook account?” Is displayed as information for allowing the customer to select whether or not to transfer to a non-passbook account, and a non-passbook account from the customer is displayed. Button B401 (button displayed as “Yes”) for accepting the transition to “No” and button B402 (button displayed as “No”) for accepting that the transition from the customer to the non-passbook account is not performed ing.

  When it is accepted in step S404 described above that the transfer to the non-passbook account is accepted, the transaction processing unit 110 operates from step S416 described later. The operation starts from S405.

  When accepting that the account is not transferred to the non-passbook account on the account transfer selection screen in step S405 described above, ATM1 (transaction processing unit 110) is the same as the deposit process in the second embodiment in steps S405 to S414. Processing (similar processing to steps S305 to S314 described above) is performed.

  On the other hand, if the account transfer selection screen in step S404 described above accepts the transfer to the non-passbook account, the transaction processing unit 110 communicates with the host computer 2 to check the inserted passbook account. Information processing (transaction processing) for transferring to a passbook account is executed (S416). In addition, about the process of the transfer to the non-passbook account by the transaction processing part 110, since the process similar to the system corresponding to various non-passbook accounts can be applied, detailed description is abbreviate | omitted.

  Next, the transaction processing unit 110 performs a process of accepting cash input from the customer (S417).

  Then, when cash is inserted into the cash processing unit 70 (the banknote deposit / withdrawal port 701, the coin deposit / withdrawal port 702), the transaction processing unit 110 controls the cash processing unit 70 to confirm the amount of cash inserted ( (Determination for each denomination) is executed (S418), and further, information processing (transaction processing) of the deposit transaction is executed by communicating with the host computer 2 (S419). The transaction processing unit 110 controls the cash processing unit 70 to store the counted cash in a storage unit (not shown) (S420).

  Next, the transaction processing unit 110 controls the passbook processing unit 60 to discharge (return) the passbook (old fishing book) inserted into the customer (S421).

  After the processing of steps S414 and S421 described above, ATM1 (transaction processing unit 110) ends the current transaction and returns to the customer waiting state (S415).

  In addition, in FIG. 10, although only the operation | movement of a money_receiving | payment transaction is demonstrated about ATM1 of 3rd Embodiment, the process which showed the attention confirmation screen to the customer at the time of insertion of a bankbook is similarly performed about a money_receiving | payment transaction. Also good. Further, in FIG. 10, when the customer selects not to move to a non-passbook account, a process for further selecting whether to carry over the passbook (similar to the first embodiment, the above passbook carry-over selection is performed). Processing using a screen) may be performed.

  As mentioned above, in ATM1 of 3rd Embodiment, in ATM1, the non-passbook account transfer selection means is implement | achieved by the control part 10 (transaction processing part 110) and the operation display part 30 (touch panel display 31).

(C-2) Effects of Third Embodiment According to the third embodiment, the following effects can be achieved.

  ATM1 of 3rd Embodiment is selecting (selecting using the above-mentioned account transfer selection screen) whether the customer transfers to a non-passbook account at the time of passbook insertion. This makes it easier for customers who frequently forget to take their passbooks to transfer to a non-passbook account, thereby preventing forgetting to take them.

(D) Other Embodiments The present invention is not limited to the above-described embodiments, and may include modified embodiments as exemplified below.

(D-1) In each of the above embodiments, an example in which the transaction device of the present invention is applied to an ATM has been described. However, the transaction device of the present invention is applied to a transaction device that can perform transactions using a passbook other than an ATM. It may be.

(D-2) In the passbook processing unit 60 of each of the above embodiments, the passbook holding unit 65 is provided, but may be omitted.

  DESCRIPTION OF SYMBOLS 1 ... ATM, 10 ... Control part, 110 ... Transaction processing part, 20 ... Data storage part, 30 ... Operation display part, 31 ... Touch panel display, 32 ... Hard key part, 40 ... Card reader, 401 ... Card insertion discharge port, DESCRIPTION OF SYMBOLS 50 ... Printer, 60 ... Passbook processing part, 601 ... Passbook insertion / extraction port, 61 ... Data processing part, 62 ... Print processing part, 63 ... New passbook storage part, 64 ... Passbook conveyance part, 65 ... Passbook holding part, 70 ... Cash processing unit, 701 ... banknote deposit / withdrawal port, 702 ... coin deposit / withdrawal port.

Claims (10)

Passbook insertion and discharge means for accepting passbook insertion and discharging the passbook;
Transaction history is printed on the first passbook inserted in the passbook insertion / ejection means, and when the remaining printable area of the first passbook is insufficient, the second passbook is issued and the remaining transaction history is printed. A passbook entry means for carrying forward processing;
When performing a transaction using the passbook inserted in the passbook insertion / extraction means, before conducting the transaction, the first passbook after printing the transaction history is discharged to the passbook insertion / extraction means, and after the transaction, And a transaction means for causing the passbook insertion / discharge means to discharge the passbook. The bankbook entry means further comprises a book selection means for selecting whether or not to carry over the bankbook when a bankbook carryover occurs.
2. The transaction apparatus according to claim 1, wherein the passbook entry means executes the carry-over process when the entry selection means accepts a selection for carrying-over process.   2. The transaction apparatus according to claim 1, further comprising alert information presenting means for presenting alert information regarding forgetting to remove the passbook discharged from the passbook inserting / extracting means.   The alert information presenting means is characterized by presenting information indicating that the passbook is to be sent for a fee when the forgetting of the passbook discharged from the passbook inserting / extracting means is included. The transaction apparatus according to claim 3. The passbook entry means comprises a no passbook account transfer selection means for selecting whether to transfer to a transaction of a no passbook account that does not use a passbook before a passbook carry forward occurs,
A non-passbook account transfer processing means for performing a process for transferring the first passbook account to a non-passbook account when the non-passbook account transfer selection means accepts a transfer to a non-passbook account transaction; In addition,
When the transaction means accepts that the non-passbook account transfer selection means shifts to a non-passbook account transaction, the transaction means controls the passbook insertion / discharge means to discharge the first passbook, and The transaction apparatus according to claim 1, wherein the transaction is performed without using a passbook. The passbook entry means determines whether or not the remaining printable area of the first passbook is insufficient when the first passbook is inserted into the passbook insertion / ejection means,
The book selection means selects whether or not to carry over the passbook before the transaction means conducts a transaction when the passbook entry means determines that the remaining printable area of the first passbook is insufficient. Ru is
The transaction apparatus according to claim 2.   The said transaction means stops the progress of the transaction from the start of the process for selecting whether or not to carry over the passbook by the passbook entry means until the selection acceptance is completed. 2. Transaction apparatus according to 2. Passbook insertion and discharge means for accepting passbook insertion and discharging the passbook;
When the first passbook is inserted into the passbook insertion / ejection means, the amount of unprinted transaction history related to the first passbook is compared with the remaining area that can be printed with the first passbook, If it is determined that the remaining area of one passbook is insufficient, a second passbook is issued, and a passbook entry means for performing a carry-over process for printing an unprinted transaction history in the first passbook and the second passbook;
When performing a transaction using the first passbook, before performing the transaction, the first passbook after printing the transaction history is discharged to the passbook insertion / extraction means, and after the transaction, the second passbook is And a transaction means for discharging the passbook insertion / discharge means. In the transaction method performed by the transaction device,
With passbook insertion / discharge means, passbook entry means, transaction means,
The passbook insertion / discharge means accepts passbook insertion and discharges the passbook,
The passbook entry means prints the transaction history on the first passbook inserted in the passbook insertion / ejection means, and issues a second passbook when the remaining printable area of the first passbook is insufficient. To carry forward the transaction history of
When the transaction means performs a transaction using the passbook inserted in the passbook insertion and discharge means, before performing the transaction, the first passbook after printing the transaction history is discharged to the passbook insertion and discharge means, A transaction method characterized in that after the transaction, the second passbook is discharged by the passbook insertion / discharge means. In the transaction method performed by the transaction device,
With passbook insertion / discharge means, passbook entry means, transaction means,
The passbook insertion / discharge means accepts passbook insertion and discharges the passbook,
When the first passbook is inserted into the passbook insertion and discharge means, the passbook entry means has an unprinted transaction history amount related to the first passbook, and a remaining area that can be printed with the first passbook. If the remaining area of the first passbook is determined to be insufficient, a second passbook is issued, and a carry-over process for printing an unprinted transaction history in the first passbook and the second passbook is performed. Done
When performing the transaction using the first passbook, the transaction means causes the passbook insertion / discharge means to discharge the first passbook after the transaction history is printed before performing the transaction. 2. A transaction method characterized in that the passbook 2 is discharged by the passbook insertion / discharge means.

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