JP6677660B2 - Trading system and trading method - Google Patents

Description

  The present invention relates to a transaction system and a transaction method.

  As a transaction device for performing financial transactions, an automatic transaction device (ATM; Automated Teller Machine) is known, and there are models that support an automatic settlement service for forms in the ATM. ATMs have been installed not only in financial institutions but also in retail stores such as convenience stores.

  Further, POS (Point Of Sale) terminals are widely used in retail stores such as supermarkets and convenience stores. The POS terminal includes a barcode scanner, scans a barcode attached to a product, and acquires a product code. Then, the POS terminal searches the product information file with the obtained product code, obtains product information such as a product name and a selling price, and prints the product information and accounting information on a receipt by a printer.

  In a system including an ATM and a POS terminal, a technique is known in which the ATM has a sales deposit function, receives sales data from the POS terminal, and determines whether or not the ATM can accept the deposit.

JP 2005-31773 A

  In the related art, the ATM receives the sales data from the POS terminal, manages the bills to be deposited, reduces the pause of the ATM in a state where the bills reach the upper limit of the storage capacity of the bills, and enables the payment of the proceeds. This is not a technology related to processing of a form.

  In recent years, in ATMs installed in retail stores such as convenience stores, there is a tendency for withdrawal transactions to be more frequent than deposit transactions. For this reason, the number of times the staff of a financial institution or an ATM operating company sends cash to replenish the ATM with banknotes has increased, and the time and labor required for sending cash has increased.

  In addition, in order to process a form at a retail store such as a convenience store, it is necessary for the cashier to stamp a receipt on the form together with the payment processing. For this reason, in cash registers at a retail store such as a convenience store, the time required to occupy the cash register by the form processing is longer than the time required to occupy the cash register due to the sale of goods, which often takes time. In addition, the amount handled in depositing the form is often higher than the amount of the product, and the cashier receives cash to be deposited in the form processing from the customer and steals the cash without operating the POS terminal at the cashier. Fraud can occur.

For this reason, in transactions using a form at a retail store or the like, it is desired to reduce the number of form processing in the POS terminal and shorten the form processing time.
In one aspect, an object of the present invention is to provide a transaction system and a transaction method for reducing form processing in a POS terminal.

  In order to achieve the above object, the following transaction system is provided. The transaction system includes an automatic transaction device, a POS terminal, a first computer, and a second computer. The automatic transaction device transmits a product identification information to the second computer, a reading unit that reads product identification information, a deposit account, and a deposit amount from information given to the form, a deposit receiving unit that accepts cash of the deposit amount. When the information that the product identification information is registered is received from the second computer, the deposit account and the deposit amount are transmitted to the first computer, and the information that the deposit amount is accepted is transmitted to the second computer. And a control unit for receiving the transaction identification information from the second computer, and an output unit for issuing a confirmation to which the transaction identification information has been added. The POS terminal reads the product identification information from the information attached to the form, reads the transaction identification information from the information attached to the confirmation certificate, transmits the product identification information to the second computer, and transmits the product identification information to the second computer. A control unit that, when the information indicating that the registration is received from the second computer, transmits the transaction identification information to the second computer, and receives the information indicating whether the transaction identification information has been registered.

  According to one aspect, it is possible to provide a transaction system and a transaction method for reducing form processing in a POS terminal.

It is a figure showing an example of the transaction system of a 1st embodiment. It is a figure showing an example of the transaction system of a 2nd embodiment. It is a figure showing an example of appearance of ATM of a 2nd embodiment. FIG. 6 is a diagram illustrating an example of a hardware configuration of an ATM according to a second embodiment. It is a figure showing an example of appearance of a POS terminal of a 2nd embodiment. It is a figure showing an example of hardware constitutions of a POS terminal of a 2nd embodiment. FIG. 9 is a diagram illustrating an example of a hardware configuration of a host computer according to a second embodiment. It is a figure showing an example of merchandise management information of a 2nd embodiment. It is a figure showing an example of the form handling management information of a 2nd embodiment. It is a figure showing an example of a form of a 2nd embodiment. It is a figure showing an example of a transfer check certificate of a 2nd embodiment. It is a figure showing the flow chart of ATM form processing of a 2nd embodiment. It is a figure showing the flow chart of the POS host form acceptance processing of a 2nd embodiment. It is a figure showing the flow chart of the financial institution host processing of a 2nd embodiment. It is a figure showing the flow chart of the POS terminal form processing of a 2nd embodiment. It is a figure showing the flow chart of the POS host form storage processing of a 2nd embodiment.

Hereinafter, embodiments will be described in detail with reference to the drawings.
[First Embodiment]
First, a transaction system according to the first embodiment will be described with reference to FIG. FIG. 1 is a diagram illustrating an example of a transaction system according to the first embodiment.

  Transaction system 90 includes automatic transaction device 10, POS terminal 20, first computer 30, and second computer 40. The automatic transaction apparatus 10 can transmit and receive information to and from the first computer 30 and the second computer 40 via a network. The POS terminal 20 can transmit and receive information to and from the second computer 40 via the network.

  The automatic transaction device 10 includes a control unit 11, a deposit receiving unit 12, a reading unit 13, and an output unit 14. The automatic transaction device 10 is a device that performs financial transactions, and is, for example, an ATM provided in a financial institution or a transaction terminal provided in a convenience store or the like. The automatic transaction apparatus 10 also includes an input unit such as a numeric keypad and a touch panel, and a display unit such as a display, but illustration is omitted. The deposit receiving unit 12 receives a deposit from a customer and stores cash. The reading unit 13 is a device that reads information, and is, for example, a scanner or a camera. The reading unit 13 reads the product identification information, the deposit account, and the deposit amount from the information given to the form 50. The information given to the form 50 is a barcode, a two-dimensional barcode, or the like. The automatic transaction apparatus 10 can acquire various information such as a deposit account and a deposit amount by reading a barcode or the like attached to the form 50 via the reading unit 13. The product identification information is information for identifying a form or a product. The product identification information may be information defined by a standard such as a JAN (Japan Article Number) code, or may be information uniquely defined by a company. The deposit account is information for specifying an account in a financial institution or the like, and is, for example, information including a financial institution name and an account number. The deposit amount is the amount to be deposited using the form 50. The control unit 11 controls the automatic transaction apparatus 10, and is, for example, a processor. The control unit 11 transmits the deposit account and the deposit amount to the first computer 30, and transmits the product identification information and the information indicating that the deposit amount has been received to the second computer 40. The control unit 11 receives the transaction identification information from the second computer 40. The output unit 14 issues a confirmation certificate 60 provided with the received transaction identification information. The output unit 14 prints the transaction identification information as a barcode or a two-dimensional barcode on the confirmation certificate 60, and issues the confirmation certificate 60.

  The POS terminal 20 includes a control unit 21, a reading unit 22, and a display unit 23. The POS terminal 20 has a function of reading information given to a product or a form and performing an accounting process. The information given to the product or the form is a barcode, a two-dimensional barcode, or the like. The control unit 21 controls the POS terminal 20, and is, for example, a processor. The control unit 21 transmits the product identification information read via the reading unit 22 to the second computer 40 and receives from the second computer 40 information on whether or not the product identification information has been registered. The control unit 21 transmits the transaction identification information read via the reading unit 22 to the second computer 40 and receives information on the presence or absence of registration of the transaction identification information from the second computer 40. The reading unit 22 reads the product identification information from the information given to the form 50. The reading unit 22 reads the transaction identification information from the information given to the confirmation certificate 60. The POS terminal 20 can acquire various information such as product identification information and transaction identification information by reading the barcode or the like attached to the form 50 and the confirmation certificate 60 via the reading unit 22.

  The first computer 30 is a computer that manages a customer account at a financial institution or the like. The first computer 30 includes a control unit 31 and a storage unit 32. The control unit 31 is a processor that controls the first computer 30. The storage unit 32 is a storage device that stores the account information 33. The control unit 31 receives the deposit account and the deposit amount from the automatic transaction device 10, and updates the account information 33 stored in the storage unit 32 in advance based on the received deposit account and the deposit amount.

  The second computer 40 is a computer that manages information from the POS terminal 20 and executes accounting processing and the like. The second computer 40 includes a control unit 41 and a storage unit 42. The control unit 41 is a processor that controls the second computer 40. The storage unit 42 is a storage device that stores the product management information 43 and the handling management information 44. The product management information 43 is information used to determine whether a product or the like identified by the product identification information is a processing target. The product management information 43 is stored in the storage unit 42 in advance by a system administrator or the like. In the product management information 43, the product identification information to be handled is registered. The handling management information 44 is information for managing transaction identification information generated by an inquiry from the automatic transaction apparatus 10, and is information for managing a form transaction specified by the transaction identification information. In the handling management information 44, the product identification information and the transaction identification information given to the form are registered in association with each other.

  The second computer 40 receives the product identification information from the automatic transaction device 10 and determines whether the product identification information is registered in the product management information 43 stored in the storage unit 42 in advance. When the product identification information is registered in the product management information 43, the second computer 40 transmits information to the effect that the product identification information is registered in the product management information 43 to the automatic transaction apparatus 10. When the second computer 40 receives the information indicating that the deposit amount has been received from the automatic transaction apparatus 10, it generates transaction identification information. The second computer 40 registers the received product identification information and the generated transaction identification information in association with the handling management information 44 stored in the storage unit 42 in advance. The second computer 40 transmits the generated transaction identification information to the automatic transaction device 10.

  The second computer 40 receives the product identification information from the POS terminal 20 and determines whether the product identification information received from the POS terminal 20 is registered in the product management information 43 stored in the storage unit 42 in advance. The second computer 40 transmits information on the presence or absence of registration of the product identification information to the POS terminal 20 according to the determination result. When the product identification information is registered, the second computer 40 transmits information indicating that the product identification information is registered to the POS terminal 20. When the product identification information is not registered, the second computer 40 transmits information indicating that the product identification information is not registered to the POS terminal 20. When the product identification information is registered in the product management information 43, the second computer 40 receives the transaction identification information from the POS terminal 20. The second computer 40 determines whether or not the transaction identification information corresponding to the product identification information received from the POS terminal 20 is registered in the handling management information 44, and determines whether or not the transaction identification information is registered in the POS terminal 20. Send to When the transaction identification information corresponding to the product identification information transmitted from the POS terminal 20 is registered in the handling management information 44, the second computer 40 adds information indicating the completion of the transaction to the handling management information 44 for the transaction identification information. register.

  Here, the form processing using the automatic transaction apparatus 10 and the POS terminal 20 will be described. It is assumed that the customer performs a payment process using a form at a retail store such as a convenience store.

  The customer causes the automatic transaction apparatus 10 to read the barcode given to the form 50. The automatic transaction apparatus 10 reads the product identification information, the deposit account, and the deposit amount from the barcode given to the form 50. The automatic transaction device 10 transmits the product identification information to the second computer 40 and inquires whether the product is to be handled. When the product identification information is registered in the product management information 43, the second computer 40 transmits information indicating that the product is registered to the automatic transaction apparatus 10. The automatic transaction apparatus 10 displays a payment instruction. The customer deposits cash in the automatic transaction device 10.

  The automatic transaction device 10 transmits the deposit account and the deposit amount to the first computer 30. The first calculator 30 updates the account information 33 based on the received deposit account and the received deposit amount. The automatic transaction device 10 transmits information to the effect that the deposit amount has been accepted to the second computer 40. The second computer 40 receives the information indicating that the deposit amount has been received from the automatic transaction apparatus 10, generates transaction identification information, and transmits the generated transaction identification information to the automatic transaction apparatus 10. Further, the second computer 40 registers the product identification information and the generated transaction identification information in the handling management information 44 in association with each other.

  The automatic transaction apparatus 10 receives the transaction identification information, prints the transaction identification information on the confirmation certificate 60 as a barcode, and issues it. The customer obtains the form 50 and the confirmation certificate 60, and requests the cashier to perform the form processing.

  The POS terminal 20 reads the barcode given to the form 50 by the operation of the cashier. The POS terminal 20 transmits the product identification information read from the form 50 to the second computer 40. The second computer 40 determines whether or not the product identification information is registered in the handling management information 44. When the product identification information is registered in the handling management information 44, the second computer 40 transmits information indicating that the registration is made to the POS terminal 20.

  The POS terminal 20 displays an instruction to read the confirmation certificate 60 on the display unit 23, and reads the barcode given to the confirmation certificate 60 by the operation of the cashier. The POS terminal 20 transmits the transaction identification information read from the confirmation certificate 60 to the second computer 40. The second computer 40 determines whether or not the transaction identification information is registered in the handling management information 44. When the transaction identification information is registered in the handling management information 44, the second computer 40 transmits information indicating that the registration is made to the POS terminal 20. The POS terminal 20 displays an instruction to stamp a receipt on the form on the display unit 23. The cashier stamps the receipt on the form 50, returns it to the customer, and ends the form processing.

  As described above, the transaction system 90 accepts payment of a form from the customer by the automatic transaction apparatus 10 and instructs the cashier to stamp a receipt on the form after confirming receipt of the fee at the POS terminal 20.

  Thereby, the transaction system 90 enables the automatic transaction apparatus 10 to deposit the form 50 that has been subjected to the deposit processing by the POS terminal 20 in the past, and can increase the deposit in the automatic transaction apparatus 10. The automatic transaction apparatus 10 can avoid a pause due to a shortage of banknotes and suppress the number of cash transfers by increasing the deposit.

  Further, the transaction system 90 can reduce the load of the form processing in the POS terminal 20 by depositing the form 50 with the automatic transaction apparatus 10. In other words, since the POS terminal 20 can omit the payment processing on the form 50, the labor of the cashier required for the form processing can be reduced, and the processing time of the form 50 at the cash register can be shortened. In addition, the POS terminal 20 can reduce the possibility that fraudulent acts such as exploitation by cashiers will occur due to a decrease in the number of payment processes using the form 50.

In this manner, the transaction system 90 can reduce the form processing in the POS terminal 20.
[Second embodiment]
Next, as a second embodiment, a transaction system in which an automatic transaction device is applied to an ATM will be described with reference to FIG. FIG. 2 is a diagram illustrating an example of a transaction system according to the second embodiment.

  Trading system 400 includes an ATM system 410 and a POS system 420. The ATM system 410 is a system in a financial institution or the like. The POS system 420 is a system in a retail business or the like. The transaction system 400 provides a transaction method by the ATM system 410 and the POS system 420. In the description of the flowchart, the host computer 300a is described as a financial institution host 300a, and the host computer 300b is described as a POS host 300b.

  The ATM system 410 includes a plurality of ATMs 100a, 100b,..., A host computer 300a, and a database 350a. Are connected to the host computer 300a via the network 380a. The ATMs 100a,... Transmit and receive financial transaction information to and from the host computer 300a via the network 380a. Are connected to the host computer 300b via the networks 380b and 380c. The ATMs 100a,... Transmit and receive information relating to the form processing to and from the host computer 300b.

  The host computer 300a connects to the database 350a. The host computer 300a manages the ATMs 100a,... Via the network 380a, and transmits and receives data to and from the ATMs 100a,. In addition, the host computer 300a can perform authentication processing of the password transmitted from the ATMs 100a, and various transactions. The host computer 300a can transmit and receive information to and from the database 350a, and transmits information acquired from the database 350a to the ATMs 100a,. The database 350a is a storage device that stores transaction history, authentication information, account information, and the like. The network 380a includes various network devices such as a router, a hub, and a switch. The network 380a is a network using a dedicated line in the ATM system 410.

  The POS system 420 includes a plurality of POS terminals 200a, 200b,..., A host computer 300b, and a database 350b. The POS terminal 200a connects to the host computer 300b via the network 380b. The POS terminals 200a,... Transmit and receive information on merchandise transactions to and from the host computer 300b. The host computer 300b connects to the database 350b. The host computer 300b manages the POS terminals 200a,... Via the network 380b, and transmits and receives information to and from the POS terminals 200a,. The host computer 300b transmits and receives information to and from the ATM 100a via the networks 380b and 380c. In addition, the host computer 300b registers in the database 350b information on the merchandise transaction transmitted by the POS terminals 200a,... And information on the form transmitted by the ATMs 100a,. The networks 380b and 380c include various network devices such as routers, hubs, and switches. The networks 380b and 380c are networks using a dedicated line in the POS system 420. The network 380c connects the ATMs 100a,... To the network 380b in the POS system 420, and is a part of the network 380b.

Next, the appearance of the ATM will be described with reference to FIG. FIG. 3 is a diagram illustrating an example of an appearance of the ATM according to the second embodiment.
The ATM 100a includes a reading table 120, a scanner 130, a customer operation unit 140, a card / receipt unit 150, a bill processing unit 160, and a numeric keypad input unit 170. .. Are the same as the ATM 100a.

The reading table 120 is provided on the outer surface of the ATM 100a and has a placement surface on which a form to be read is placed. The form will be described later with reference to FIG.
The scanner 130 is provided on the outer surface of the ATM 100 a above the mounting surface of the reading table 120 and reads a form placed on the reading table 120.

  The customer operation unit 140 has a display and a touch panel, and guides a transaction operation, displays a transaction proposal, and receives an instruction. Although not shown, the ATM 100a can issue not only instructions by display on a display or the like but also instructions by voice from a receiver or the like. The guidance of the transaction operation, the input instruction, and the like are not limited to the display instruction using the display or the like, and the instruction using the voice guidance may be performed.

  The card / receipt unit 150 inserts and ejects a card in a transaction using a card such as a cash card or a credit card. In addition, the receipt and transfer confirmation issued at the end of the transaction will be discharged. The transfer confirmation will be described later with reference to FIG.

The banknote processing unit 160 processes the transfer of banknotes at the time of deposit and withdrawal transactions.
The numeric keypad input unit 170 includes numeric keys for inputting numbers and the like, and receives instructions from the user in cooperation with the touch panel of the customer operation unit 140. For example, the ten-key input unit 170 can receive an input of a password (personal identification number) for authenticating an account corresponding to the account information recorded on the cash card, an amount of a financial transaction, and the like.

  The operation when the customer pays using the form at the ATM 100a will be described. The customer operates the customer operation unit 140 and the numeric keypad input unit 170 to instruct a form transaction. Next, the form is set on the reading table 120 according to the guidance displayed on the customer operation unit 140 or the like. The ATM 100a uses the scanner 130 to read barcodes, character information, and the like assigned to the form, and displays a transaction content confirmation screen on the customer operation unit 140. The customer confirms the transaction contents with the customer operation unit 140 and inserts cash into the banknote processing unit 160 or inserts a card into the card / receipt unit 150 to perform a payment process. After completing the payment processing, the ATM 100a discharges the transfer confirmation from the card / receipt section 150. The ATM 100a ejects the card from the card / receipt unit 150 when the customer uses the card for the transaction. The customer receives the transfer confirmation, etc., and ends the form processing in the ATM.

Next, the hardware configuration of the ATM will be described with reference to FIG. FIG. 4 is a diagram illustrating an example of a hardware configuration of the ATM according to the second embodiment.
The ATM 100a includes a control unit 110, a display 140a, a touch panel 140b, a card / receipt processing unit 150a, a bill processing unit 160a, a ten-key processing unit 170a, and an interpersonal sensor control 180. .. Are the same as the ATM 100a.

  The control unit 110 includes a processor 111, a random access memory (RAM) 112, a first hard disk drive (HDD) 113a, a second HDD 113b, a first external communication interface 114a, a second external communication interface 114b, a display processing unit 115, and a touch panel processing unit. 116 and an I / O (Input / Output) control unit 117, each of which is connected via a bus 118. Note that the control unit 110 is also an example of a computer.

  The processor 111 controls the overall operation of the ATM 100a, and is, for example, a CPU (Central Processing Unit). The RAM 112 temporarily stores at least a part of an OS (Operating System) program and an application program to be executed by the processor 111. Further, the RAM 112 stores various data required for processing by the processor 111.

  The first HDD 113a and the second HDD 113b can store an OS, an application program, a transaction history, and the like. The first HDD 113a and the second HDD 113b are duplicated for system protection, but may be configured with only one of them. Further, the first HDD 113a and the second HDD 113b can be replaced with other storage devices such as SSD (Solid State Drive).

  The first external communication interface 114a is connected to the network 380a and transmits and receives data to and from the host computer 300a. Further, the first external communication interface 114a can transmit a password, transaction information, and the like to the host computer 300a. Further, the first external communication interface 114a can receive password approval information, transaction information, and the like from the host computer 300a.

  The second external communication interface 114b is connected to the network 380c and transmits and receives data to and from the host computer 300b. In addition, the second external communication interface 114b can transmit and receive information regarding the form to and from the host computer 300b.

  The display 140a is connected to the display processing unit 115. The display 140a constitutes the customer operation unit 140 together with the touch panel 140b. The display processing unit 115 displays various information such as operation guidance on the screen of the display 14a under the control of the processor 111.

  Although not shown, the ATM 100a may include not only the display processing unit 115 but also an audio processing unit. Devices capable of outputting sound, such as a receiver and earphones, are connected to the sound processing unit. The voice processing unit may be configured to accompany the customer operation unit 140. The voice processing unit outputs various information such as operation guidance to a receiver or the like with voice guidance under the control of the processor 111.

  The touch panel 140b is connected to the touch panel processing unit 116. The touch panel 140b is formed above the display 140a. The touch panel processing unit 116 detects the position on the screen where the user's finger has touched or approached the touch panel 140b, and notifies the processor 111.

  The card / receipt processing unit 150a, the bill processing unit 160a, the ten-key processing unit 170a, and the personal sensor control 180 are connected to the I / O control unit 117. Under control of the processor 111, the I / O control unit 117 notifies each unit to be connected of an instruction from the processor 111, and sends information obtained from each unit to the processor 111 via the bus 118.

  The card / receipt processing unit 150a is provided in the card / receipt unit 150, and controls taking in and discharging of a card and discharging of a receipt. In addition to reading the magnetic information (account number and the like) attached to the captured card, the image of the surface of the card (the surface on which the emboss is formed and the surface on which the card number is printed) is acquired.

The banknote processing unit 160a is provided in the banknote processing unit 160, and controls payment of banknotes and opening / closing of a door in accordance with an instruction from the processor 111.
The ten-key processing unit 170a is provided in the ten-key input unit 170, and receives information on a ten-key pressed by the user. The information on the numeric keypad pressed by the user may include a password, a withdrawal amount, information used in financial transactions, and the like. The interpersonal sensor control 180 controls an interpersonal sensor that detects the approach of a person, and detects that the user has approached the ATM 100a.

  The portable recording medium 190 is a recording medium such as a DVD (Digital Versatile Disk) and a CD-ROM (Compact Disc? Read Only Memory). The portable recording medium 190 can store a transaction history and the like.

  With the above hardware configuration, the processing functions of the present embodiment can be realized. The above configuration is an example, and the combination of the components of the ATM 100a is determined as appropriate. Unnecessary components may be deleted from the above configuration. For example, a biometric authentication unit using a palm vein or a finger vein, a non-contact IC unit corresponding to a non-contact IC, a coin processing unit, or the like may be added. .

Next, the appearance of the POS terminal will be described with reference to FIG. FIG. 5 is a diagram illustrating an example of the appearance of the POS terminal according to the second embodiment.
The POS terminal 200a is a device for receiving a sales price, inputting a product code, and reading a form barcode.

  The POS terminal 200a has a touch panel 210, a display 211, a customer display 212, a printer 213, a keyboard 214, an automatic change machine 215, a cash drawer 216, an automatic change machine 217, a scanner 218, and a control unit 250.

The touch panel 210 is an input device that receives an operation input to the POS terminal 200a by pressing a displayed screen.
The display 211 displays a predetermined GUI (Graphical User Interface) for performing a transaction work on a product or a form of the POS terminal 200a. The display 211 is, for example, a liquid crystal display. The display 211 is located below the touch panel 210. The screen displayed on the display 211 is visible through the touch panel 210 and can be viewed by a cashier. The cashier can select a process or input data by touching the touch panel 210 while viewing the screen displayed by the display 211. The customer display 212 is a display device that displays transaction information to the customer side, and displays, for example, the total amount of the product purchase price, the deposit amount from the customer, the change amount, and the like.

  The printer 213 is a printing unit that prints a customer's payment processing result on roll paper and issues a receipt. The keyboard 214 is an input device for operating the GUI displayed on the display 211.

  The automatic change machine 215 deposits coins received from customers and dispenses change. The cash drawer 216 is a storage for storing coins and bills. The automatic bill machine 217 deposits a bill received from a customer and dispenses a bill.

  The scanner 218 is a device for reading barcodes, character information, and the like assigned to products and forms. The cashier inputs a product code (product identification information) using the scanner 218 as an input device by holding the scanner 218 at a barcode attached to a product or a form. The product code is information for identifying a product or a product obtained from a barcode given to a form. The input result of the product code and the like is displayed on the display 211 and the customer display 212 so that a cashier or a customer can check the input result of the product code or the like.

  The control unit 250 is a computer that controls the POS terminal 200a. Details of the control unit 250 will be described with reference to FIG. Are the same as the POS terminal 200a.

Next, the hardware configuration of the POS terminal will be described with reference to FIG. FIG. 6 is a diagram illustrating an example of a hardware configuration of the POS terminal according to the second embodiment.
The POS terminal 200a connects various input / output devices to the control unit 250. The control unit 250 is entirely controlled by the processor 251. A RAM 252, a communication interface 254, a graphic processing device 255, an input / output interface 256, and a nonvolatile memory 253 are connected to the processor 251 via a bus 257.

  The RAM 252 temporarily stores at least a part of an OS (Operating System) program to be executed by the processor 251 and an application program for executing a POS job. The RAM 252 stores various data required for processing by the processor 251.

  The non-volatile memory 253 is a storage unit that stores information, firmware, and the like necessary for system setting of the POS terminal 200a, and is, for example, an electrically erasable and programmable read only memory (EEPROM). The nonvolatile memory 253 can write information through the bus 257. The communication interface 254 transmits and receives data via the network 380b.

  The display 211 and the customer display 212 are connected to the graphic processing device 255. The graphic processing device 255 displays information necessary for performing a POS job on the screens of the display 211 and the customer display 212 in response to an instruction from the processor 251.

  The touch panel 210, the keyboard 214, the printer 213, the automatic changer 215, the cash drawer 216, the automatic changer 217, and the scanner 218 are connected to the input / output interface 256. The input / output interface 256 transmits signals transmitted from the touch panel 210, the keyboard 214, the printer 213, the automatic changer 215, the cash drawer 216, the automatic changer 217, and the scanner 218 to the processor 251 via the bus 257. .

  With the above hardware configuration, the processing functions of the present embodiment can be realized. Note that these configurations are merely examples, and the POS terminal 200a may be configured to include a module including an FPGA (Field Programmable Gate Array) or a DSP (Digital Signal Processor).

  Are the same as the POS terminal 200a. Further, the above hardware configuration is an example, and the combination of the components is determined as appropriate. Unnecessary hardware may be deleted from the above hardware configuration.

  Next, a hardware configuration of the host computer according to the second embodiment will be described with reference to FIG. FIG. 7 is a diagram illustrating an example of a hardware configuration of a host computer according to the second embodiment.

  The host computer 300a includes a control unit 310. The control unit 310 includes a processor 311, a RAM 312, an HDD 313, an input / output signal interface 314, a storage medium interface 315, and a communication interface 316. The host computer 300a is entirely controlled by the processor 311. The RAM 312 and a plurality of peripheral devices are connected to the processor 311 via a bus 317. Processor 311 may be a multiprocessor. The processor 311 is, for example, a CPU, a micro processing unit (MPU), a DSP, an application specific integrated circuit (ASIC), or a programmable logic device (PLD). Further, the processor 311 may be a combination of two or more elements among a CPU, an MPU, a DSP, an ASIC, and a PLD.

  The RAM 312 is used as a main storage device of the host computer 300a. The RAM 312 temporarily stores at least a part of an OS program and an application program to be executed by the processor 311. The RAM 312 stores various data required for processing by the processor 311.

Peripheral devices connected to the bus 317 include an HDD 313, an input / output signal interface 314, a storage medium interface 315, and a communication interface 316.
The HDD 313 magnetically writes and reads data on a built-in disk. The HDD 313 is used as an auxiliary storage device of the host computer 300a. The HDD 313 stores an OS program, application programs, and various data. Note that a semiconductor storage device such as a flash memory can be used as the auxiliary storage device.

  The input / output device 318 is connected to the input / output signal interface 314. The input / output device 318 includes an input device and an output device. Examples of the input device include a keyboard, a mouse, and a touch panel. Further, examples of the output device include a monitor, a liquid crystal display, various panel display devices, and the like.

  The input / output signal interface 314 transmits a signal sent from a keyboard or a mouse to the processor 311. The mouse is an example of a pointing device, and another pointing device can be used. Other pointing devices include touch panels, tablets, touchpads, trackballs, and the like.

  The output device of the input / output device 318 displays an image on a monitor screen according to a command from the processor 311. Examples of the monitor include a display device using a CRT (Cathode Ray Tube) and a liquid crystal display device.

  The storage medium interface 315 reads and writes data recorded on the storage medium 319 using magnetism, laser, and the like. Further, the storage medium interface 315 may read data recorded on a storage medium such as a semiconductor memory. The storage medium 319 includes, for example, an optical disk and a semiconductor memory such as a flash memory. An optical disk is a portable recording medium on which data is recorded so as to be readable by light reflection. The optical disc includes DVD, DVD-RAM, CD-ROM, CD-R (Recordable) / RW (ReWritable), and the like.

  The storage medium interface 315 can also be used as a communication interface for connecting peripheral devices to the host computer 300a. For example, a memory device or a memory reader / writer can be connected to the storage medium interface 315. The memory device is a recording medium having a communication function with the storage medium interface 315. A memory reader / writer is a device that writes data to a memory card or reads data from a memory card. The memory card is a card-type recording medium.

  The communication interface 316 is connected to the network 380a. The communication interface 316 transmits and receives data to and from the ATMs 100a,... And network devices via the network 380a. Note that the communication interface 316 may be connected to the database 350a, or may be connected to the database 350a via the network 380a.

With the hardware configuration described above, the processing functions of the host computer 300a according to the second embodiment can be realized.
The control unit of the host computer 300b is the same as the control unit 310 of the host computer 300a. The host computer 300b is different from the host computer 300a in that the host computer 300b connects to the network 380b and the database 350b, and transmits and receives data to and from the POS terminals 200a,.

Next, the product management information will be described with reference to FIG. FIG. 8 is a diagram illustrating an example of the product management information according to the second embodiment.
The product management information 500 is information for managing product identification information included in a form or a barcode assigned to a product. The barcode given to the form includes not only the product identification information but also information such as the account information of the transfer destination and the transfer amount. , And the POS terminals 200a,... Read the barcode of the form and acquire the product identification information from the barcode. The host computer 300b receives merchandise identification information from the ATMs 100a,... And the POS terminals 200a, and uses the merchandise management information 500 to determine whether the form is a merchandise to be handled. The host computer 300b determines that the product identification information not registered in the product management information 500 is not handled. The product management information 500 is information stored in a database 350b accessible by the host computer 300b. The product management information 500 may be stored in the HDD 313 of the host computer 300b.

  The product management information 500 includes product identification information, a product name, and a price. The information included in the product management information 500 is an example, and may include other information such as product classification information and tax rate classification. The product identification information is information for identifying a form or a product to which a barcode is assigned. The product identification information may be information defined by a standard such as a JAN code or unique information defined between companies such as financial institutions and retail stores. The product name is the name of the product associated with the product identification information. In addition, goods include not only goods sold in stores such as convenience stores, but also payment of utilities and Internet shopping.

  The price is the price of the product associated with the product identification information. In addition, a predetermined value is set as the amount of money if the amount corresponds to the amount of goods sold at the store or the product identification information of the fixed charge public utility charge. It should be noted that no value is set for the amount of money for a commodity whose price varies (electricity price, water price, etc.).

Next, the form handling management information will be described with reference to FIG. FIG. 9 is a diagram illustrating an example of the form handling management information according to the second embodiment.
The form handling management information 510 is information for managing the forms on which payment processing has been performed in the ATMs 100a,. The ATM 100a,... Reads the information of the barcode given to the form, and acquires the product identification information from the barcode information. The host computer 300b receives the product identification information from the ATMs 100a,... And registers it in the form handling management information 510. The form handling management information 510 is information stored in a database 350b accessible by the host computer 300b. The form handling management information 510 may be stored in the HDD 313 of the host computer 300b.

The form handling management information 510 includes a store number, date and time, product identification information, a confirmation number, and a handling flag.
The store number is a number for identifying a financial institution, a retail store, or the like in which the ATM 100a,... Having read the barcode is installed. The host computer 300b receives the store number together with the product identification information from the ATMs 100a,... And registers it in the form handling management information 510. Note that the store number may be any number as long as it can identify a financial institution or a retail store, and may be an alphanumeric character or a symbol without being limited to a numeral.

The date and time is the date and time when the host computer 300b receives the product identification information from the ATMs 100a,.
The product identification information is the product identification information received by the host computer 300b from the ATMs 100a,.

The confirmation number is a number given by the host computer 300b to specify a transaction on the form.
The handling flag is information indicating whether or not the handling of the form has been completed. The value of the handling flag is “-” when the form has not been paid, and “completed” when the form has been paid. The initial value of the handling flag is "-". The value of the handling flag is set by the host computer 300b.

Next, a form will be described with reference to FIG. FIG. 10 is a diagram illustrating an example of a form according to the second embodiment.
The form 600 is an example of a transfer form of a newspaper fee to be handled by the ATMs 100a,... And the POS terminals 200a,. On the form 600, a product name, an account number of a transfer destination, a transfer amount, and the like are printed, and a bar code including these information is also printed.

  The ATMs 100a,... Read the barcode given to the form 600 placed on the reading stand 120 by the scanner 130. The ATM 100a,... Transmits the information read from the barcode to the host computers 300a, 300b.

  The POS terminals 200a,... Read the barcode given to the form 600 by the scanner 218. The POS terminals 200a,... Transmit information read from the barcode to the host computer 300b.

Next, the transfer confirmation will be described with reference to FIG. FIG. 11 is a diagram illustrating an example of the transfer confirmation certificate according to the second embodiment.
The transfer confirmation 610 is an example of a transfer confirmation of a newspaper fee to be handled by the ATMs 100a,... And the POS terminals 200a,. The transfer confirmation certificate 610 is issued after the payment processing of the form 600 is completed in the ATMs 100a,. The ATM 100a prints the transfer confirmation certificate 610 and discharges it from the card / receipt unit 150.

  The transfer confirmation certificate 610 is printed with a handling date and time, a product name, an amount, and a confirmation number. The handling date and time is the date and time when the form was processed by the ATM 100a,. The merchandise name is a merchandise name acquired by the ATM 100a,. .. Can receive the product name from the host computer 300b. The amount is the amount that the ATM 100a,... Has acquired from the barcode given to the form. The confirmation number is the same as the confirmation number in the form handling management information 510. The ATM 100a,... Receives the confirmation number from the host computer 300b. Note that the confirmation number is printed as a barcode or a two-dimensional barcode, and need not be printed as a number. The confirmation number is printed by the ATMs 100a,... And read by the POS terminals 200a,.

Next, ATM form processing according to the second embodiment will be described with reference to FIG. FIG. 12 is a diagram showing a flowchart of the ATM form processing of the second embodiment.
In the ATM form processing, the ATM 100a reads a barcode given to the form, executes a form payment processing, and discharges a transfer confirmation. The control unit 110 (processor 111) of the ATM 100a receives a form transaction selection from the customer via the customer operation unit 140 and executes the ATM form processing. .. Can execute the same processing as the ATM 100a.

  [Step S11] The control unit 110 determines whether or not a selection of a form transaction has been received from the customer via the customer operation unit 140. The control unit 110 proceeds to step S12 when receiving the selection of the form transaction, and returns to step S11 when not receiving the selection.

[Step S12] The control unit 110 displays an instruction to place the form on the reading stand 120 on the customer operation unit 140, and reads the barcode given to the placed form with the scanner 130.
[Step S13] The control unit 110 transmits the product identification information included in the read barcode information to the POS host 300b. In addition, the control unit 110 transmits information indicating that the inquiry is the presence or absence of registration of the product identification information, a store number where the ATM is installed, and information (e.g., an apparatus number and an address) for identifying the ATM together with the product identification information. I do.

  [Step S14] The control unit 110 receives the registration response information from the POS host 300b. The registration response information is information including information indicating whether or not the product identification information transmitted in step S13 is registered in the product management information 500.

  [Step S15] Based on the registration response information, the control unit 110 determines whether or not the product identification information is registered in the product management information 500. The control unit 110 determines that the registration has been made when the registration response information received in step S14 includes that there is a registration, and determines that the registration has not been made when the registration response information contains that there is no registration. When the product identification information is registered in the product management information 500, the control unit 110 proceeds to step S16. When the product identification information is not registered, the control unit 110 displays on the customer operation unit 140 that the form is out of handling, and ends the ATM form processing.

  [Step S16] The control unit 110 displays the payment details on the customer operation unit 140. For example, if the control unit 110 reads the barcode given to the form 600 in step S12, the control unit 110 displays that the payment of 5000 yen is accepted as the price of the newspaper A.

  [Step S17] The control unit 110 opens the bill processing unit 160 and accepts cash. The control unit 110 detects the receipt of the cash, closes the bill processing unit 160, and stores the cash in the ATM 100a.

[Step S18] If the cash received in step S17 is higher than the deposit amount, the control unit 110 discharges the difference as change.
[Step S19] The control unit 110 sends a payment completion notification to the POS host 300b to notify that the form has been paid. The payment completion notification includes the product identification information and information indicating that the payment has been completed.

[Step S20] The control unit 110 receives the confirmation number from the POS host.
[Step S21] The control unit 110 prints the confirmation number received in step S20 on the transfer confirmation, and discharges the transfer confirmation from the card / receipt unit 150. Note that the control unit 110 may print the confirmation number as a barcode or a two-dimensional barcode, or may print a number or a symbol.

  [Step S22] The control unit 110 transmits the payment information to the financial institution host 300a, and ends the ATM form processing. It should be noted that the deposit information is information such as the account number of the deposit destination and the deposit amount included in the barcode attached to the form.

  Note that, in the ATM form processing, the processing of accepting cash when the control unit 110 deposits money has been described, but this is merely an example, and another method may be used. For example, the control unit 110 may receive a card from the card / receipt unit 150, and may receive a payment process between accounts.

  Next, a POS host form receiving process according to the second embodiment will be described with reference to FIG. FIG. 13 is a diagram illustrating a flowchart of the POS host form acceptance processing according to the second embodiment.

  The POS host form receiving process searches the product management information 500 for the product identification information received by the POS host 300b (host computer 300b) to determine the presence / absence of registration, assigns a confirmation number to the product identification information, and sets the form handling management information. This is the process of registering the information in 510.

The control unit 310 (processor 311) of the POS host 300b receives the product identification information from the ATMs 100a,... And executes the POS host form acceptance processing.
[Step S31] The control unit 310 determines whether or not the product identification information has been received from the ATMs 100a,. The control unit 310 proceeds to step S32 when the product identification information is received, and returns to step S31 when the product identification information is not received.

  The POS host 300b receives the product identification information, the information indicating the inquiry about the presence / absence of registration of the product identification information, the store number where the ATM is installed, and the information (device number, address, etc.) for identifying the ATM. I do.

[Step S32] The control unit 310 searches the product management information 500 for the product identification information received in step S31.
[Step S33] The control unit 310 determines whether or not the product identification information is registered in the product management information 500 based on the search result in step S32. The controller 310 proceeds to step S34 if there is a registration, and proceeds to step S38 if there is no registration.

  [Step S34] The control unit 310 transmits registration response information to the ATM that the product identification information is registered in the product management information 500. The registration response information is information for notifying the ATM whether or not the product identification information has been registered.

In step S31, the control unit 310 transmits the registration response information to the ATM that is the transmission source of the product identification information.
[Step S35] The control unit 310 determines whether or not a payment completion notification has been received from the same ATM as the ATM from which the product identification information was transmitted in step S31. The control unit 310 proceeds to step S36 when receiving, and returns to step S35 when not receiving.

The POS host 300b can also receive information (device number, address, etc.) for identifying the ATM together with the payment completion notification.
[Step S36] The control unit 310 associates the confirmation number with the product identification information received in step S31 and registers it in the form handling management information 510. More specifically, the control unit 310 generates a confirmation number, associates the store number received in step S31, the date and time when the product identification information was received, the product identification information with the generated confirmation number, and handles the form. Register in the management information 510.

  [Step S37] The control unit 310 transmits the confirmation number generated in step S36 to the ATM. The control unit 310 transmits the confirmation number to the ATM which is the transmission source of the product identification information in step S31. After transmitting the confirmation number, control unit 310 ends the POS host form acceptance process.

  [Step S38] The control unit 310 transmits registration response information to the ATM including that the product identification information is not registered in the product management information 500. In step S31, the control unit 310 transmits the registration response information to the ATM that is the transmission source of the product identification information. After transmitting the registration response information, the control unit 310 ends the POS host form acceptance processing.

Next, a financial institution host process according to the second embodiment will be described with reference to FIG. FIG. 14 is a diagram illustrating a flowchart of the financial institution host processing of the second embodiment.
The financial institution host process is a process in which the financial institution host 300a (host computer 300a) performs a deposit process based on the deposit information received from the ATMs 100a,.

The control unit 310 (processor 311) of the financial institution host 300a receives the payment information from the ATMs 100a,... And executes the financial institution host processing.
[Step S41] The control unit 310 determines whether or not payment information has been received from the ATMs 100a,. The control unit 310 proceeds to step S42 when receiving, and returns to step S41 when not receiving.

  [Step S42] The control unit 310 records payment to the designated account based on the payment information received in step S41. Specifically, control unit 310 adds the deposit amount included in the deposit information to the balance of the account specified by the account number of the deposit destination included in the deposit information. After recording the deposit, the control unit 310 ends the financial institution host processing.

Next, a POS terminal form process according to the second embodiment will be described with reference to FIG. FIG. 15 is a diagram illustrating a flowchart of the POS terminal form processing according to the second embodiment.
The POS terminal form process is a process in which the POS terminal 200a reads the barcode given to the form, reads the barcode given to the transfer confirmation, and transmits the read information to the POS host 300b.

  The control unit 250 (processor 251) of the POS terminal 200a receives the form transaction selection from the cashier via the touch panel 210, and executes the POS terminal form processing. Note that the POS terminals 200b,... Can execute the same processing as the POS terminal 200a.

  [Step S51] The control unit 250 determines whether or not a selection of a form transaction has been received from a cashier via the touch panel 210. The control unit 250 proceeds to step S52 when receiving the selection of the form transaction, and returns to step S51 when not receiving the selection.

[Step S52] The control unit 250 displays an instruction to read the form on the display 211, and reads the barcode given to the form with the scanner 218.
[Step S53] The control unit 250 transmits the product identification information included in the read barcode information to the POS host 300b. In addition, the control unit 250 transmits to the POS host 300b together with the product identification information, information indicating that the inquiry about the registration of the product identification information and information (device number, address, etc.) for identifying the POS terminal 200a.

[Step S54] The control unit 250 receives the handling response information from the POS host 300b.
[Step S55] Based on the handling response information, the control unit 250 determines whether or not the product identification information is registered in the form handling management information 510. The control unit 250 determines that the registration has been made when the handling response information received in step S54 includes that there is a registration, and determines that the registration has not been made when it includes that there is no registration. The control unit 250 proceeds to step S56 when the product identification information is not registered, and proceeds to step S57 when the product identification information is registered.

  [Step S56] The control unit 250 displays on the display 211 and the customer display 212 that the form is not handled. Further, the control unit 250 displays on the display 211 an instruction to return the form to the customer without stamping the receipt. After the display, the control unit 250 ends the POS terminal form processing.

  [Step S57] The controller 250 displays an instruction to read the transfer confirmation on the display 211, and reads the confirmation number (character information or bar code) printed on the transfer confirmation with the scanner 218.

[Step S58] The control unit 250 transmits the confirmation number read in step S57 to the POS host 300b.
[Step S59] The control unit 250 receives the confirmation number response information from the POS host 300b.

  [Step S60] Based on the confirmation number response information, the control unit 250 determines whether the confirmation number is registered in the form handling management information 510. The control unit 250 determines that the registration has been made when the confirmation number response information received in step S59 includes that there is a registration, and determines that the registration has not been made when there is no registration. The control unit 250 proceeds to step S61 when the confirmation number is registered, and proceeds to step S62 when the confirmation number is not registered.

  [Step S61] The control unit 250 displays on the display 211 an instruction to stamp a receipt in the column of date stamp of the form and return it to the customer. Further, the control unit 250 displays an instruction to store the financial institution copy portion of the form at the store on the display 211. After the display, the control unit 250 ends the POS terminal form processing.

  [Step S62] The control unit 250 displays on the display 211 and the customer display 212 that the fee for the form has not been stored. Further, the control unit 250 displays on the display 211 an instruction to return the form to the customer without stamping the receipt. After the display, the control unit 250 ends the POS terminal form processing.

  Next, a POS host form storage process according to the second embodiment will be described with reference to FIG. FIG. 16 is a diagram illustrating a flowchart of the POS host form storage processing according to the second embodiment.

  In the POS host form storage processing, the POS host 300b (host computer 300b) determines whether the product identification information and the confirmation number received from the POS terminals 200a, ... are registered, and sets the handling flag of the form handling management information 510. Processing.

The control unit 310 (processor 311) of the POS host 300b receives the product identification information from the ATMs 100a,... And executes the POS host form storage processing.
[Step S71] The control unit 310 determines whether or not the product identification information has been received from the POS terminals 200a,. The control unit 310 proceeds to step S72 when the product identification information is received, and returns to step S71 when the product identification information is not received.

  The POS host 300b receives, together with the product identification information, information indicating that the inquiry is about whether or not the product identification information is registered, and information (device number, address, etc.) for identifying the POS terminal.

[Step S72] The control unit 310 searches the form handling management information 510 for the product identification information received in step S71.
[Step S73] The control unit 310 determines whether or not the product identification information is registered in the form handling management information 510 based on the search result in step S72. The controller 310 proceeds to step S75 if there is a registration, and proceeds to step S74 if there is no registration.

  [Step S74] The control unit 310 transmits registration response information including that the product identification information is not registered in the form handling management information 510 to the POS terminal. The handling response information is information for notifying the POS terminal of the presence or absence of registration of the product identification information in the form handling management information 510.

  In step S71, the control unit 310 transmits the registration response information to the POS terminal that has transmitted the product identification information. After transmitting the registration response information, the control section 310 ends the POS host form storage processing.

  [Step S75] The control unit 310 transmits to the POS terminal handling response information including that the product identification information is registered in the form handling management information 510. In step S71, the control unit 310 transmits the handling response information to the POS terminal that has transmitted the product identification information.

  [Step S76] The control unit 310 determines whether or not a confirmation number has been received from the same POS terminal as the transmission source of the product identification information in step S71. If the confirmation number has been received, the process proceeds to step S77. If not, the process returns to step S76. In addition, the POS host 300b can receive information (device number, address, etc.) for identifying the POS terminal together with the payment completion notification.

  [Step S77] The control unit 310 determines whether a confirmation number is registered in the form handling management information 510. Control unit 310 proceeds to step S78 when the confirmation number is registered, and proceeds to step S80 when the confirmation number is not registered.

  [Step S78] The control unit 310 transmits confirmation number response information including the fact that the confirmation number is registered to the POS terminal. In step S71, the control unit 310 transmits the registration response information to the POS terminal that has transmitted the product identification information.

[Step S79] The control unit 310 reads out the form handling management information 510, and sets the handling flag corresponding to the confirmation number received in step S76 to “completed”.
[Step S80] The control unit 310 transmits confirmation number response information including that there is no registration of the confirmation number to the POS terminal. In step S71, the control unit 310 transmits the registration response information to the POS terminal that has transmitted the product identification information. After transmitting the confirmation number response information, the control section 310 ends the POS host form storage processing.

  Thus, transaction system 400 processes the payment of the form at the ATM, issues a transfer confirmation, and reads the form and the transfer confirmation at the POS terminal. As a result, the transaction system 400 enables the ATM to perform a payment process on a form that has been conventionally processed by the POS terminal for the payment process, thereby increasing the payment process in the ATM. The ATM can avoid a pause due to a shortage of banknotes and suppress the number of cash transfers by increasing the number of payment processing.

  Further, the transaction system 400 can reduce the form processing in the POS terminal by performing the form payment processing by the ATM. In other words, since the POS terminal can omit the payment processing on the form, the labor of the cashier required for the form processing can be reduced, and the processing time of the form at the cash register can be shortened. Further, the POS terminal can reduce the possibility of fraudulent acts such as exploitation by cashiers due to a decrease in the number of payment processes using a form.

As described above, the transaction system 400 can reduce the form processing in the POS terminal.
Note that the above processing functions can be realized by a computer. In this case, the processing contents of the functions that the automatic transaction apparatus 10, the POS terminal 20, the first computer 30, the second computer 40, the ATMs 100a,..., The POS terminals 200a,. A program is provided. By executing the program on a computer, the processing functions are realized on the computer. The program describing the processing content can be recorded on a computer-readable recording medium. Examples of the computer-readable recording medium include a magnetic storage device, an optical disk, a magneto-optical recording medium, and a semiconductor memory. The magnetic storage device includes a hard disk device (HDD), a flexible disk (FD), a magnetic tape, and the like. The optical disk includes a DVD, a DVD-RAM, a CD-ROM / RW, and the like. The magneto-optical recording medium includes an MO (Magneto-Optical disk) and the like.

  When distributing the program, for example, portable recording media such as DVDs and CD-ROMs on which the program is recorded are sold. Alternatively, the program may be stored in a storage device of a server computer, and the program may be transferred from the server computer to another computer via a network.

  The computer that executes the program stores, for example, the program recorded on the portable recording medium or the program transferred from the server computer in its own storage device. The computer reads the program from its own storage device and executes processing according to the program. Note that the computer can also read the program directly from the portable recording medium and execute processing according to the program. Further, each time the program is transferred from a server computer connected via a network, the computer can sequentially execute a process according to the received program.

  Further, at least a part of the above processing functions can be realized by an electronic circuit such as a DSP, an ASIC, and a PLD.

DESCRIPTION OF SYMBOLS 10 Automatic transaction apparatus 11,21,31,41 Control part 12 Deposit receiving part 13,22 Reading part 14 Output part 20,200a, 200b POS terminal 23 Display part 30 1st computer 32,42 Storage part 33 Account information 40 No. 2 computer 43 Product management information 44 Handling management information 50 Form 60 Confirmation certificate 90,400 Transaction system 100a, 100b ATM
300a, 300b Host computer 350a, 350b Database 380a, 380b, 380c Network 410 ATM system 420 POS system

Claims (8)

A transaction system including an automatic transaction device, a POS terminal, a first computer, and a second computer,
The automatic transaction device,
A reading unit that reads merchandise identification information, a deposit account, and a deposit amount from information given to the form;
A deposit receiving unit for receiving cash of the deposit amount,
When the product identification information is transmitted to the second computer and information indicating that the product identification information is registered is received from the second computer, the deposit account and the deposit amount are transferred to the first computer. A control unit that transmits to the second computer information that the deposit amount has been accepted, and that receives transaction identification information from the second computer;
An output unit for issuing a confirmation certificate provided with the transaction identification information,
The POS terminal,
A reading unit that reads the product identification information from the information given to the form and reads the transaction identification information from the information given to the confirmation certificate;
Transmitting the product identification information to the second computer, and transmitting, from the second computer, information indicating that the product identification information is registered, transmitting the transaction identification information to the second computer; A control unit for receiving information on the presence or absence of registration of the transaction identification information,
Trading system. The first computer comprises:
Receiving the deposit account and the deposit amount from the automatic transaction device,
Based on the deposit account and the deposit amount, a control unit that updates account information stored in a storage unit in advance,
The transaction system according to claim 1. The second calculator is:
Receiving the product identification information from the automatic transaction device,
Determine whether the product identification information is registered in the product management information stored in advance in the storage unit,
When the product identification information is registered in the product management information, transmitting information to the effect that there is registration of the product identification information to the automatic transaction device,
Receiving information that the deposit amount has been received from the automatic transaction device,
Generating the transaction identification information;
Register the product management information and the transaction identification information in association with the handling management information stored in the storage unit in advance,
A control unit for transmitting the transaction identification information to the automatic transaction device,
The transaction system according to claim 1. The second calculator is:
Receiving the product identification information from the POS terminal,
It is determined whether or not the product identification information is registered in the product management information stored in advance in the storage unit, and information on whether or not the product identification information is registered is transmitted to the POS terminal.
When the product identification information is registered in the product management information, receiving the transaction identification information from the POS terminal,
It is determined whether or not the transaction identification information corresponding to the product management information is registered in the handling management information, and information on whether or not the transaction identification information is registered is transmitted to the POS terminal.
When the transaction identification information corresponding to the product management information is registered in the handling management information, the transaction identification information includes a control unit that registers information indicating the completion of the transaction in the handling management information,
The transaction system according to claim 3. The control unit of the POS terminal includes:
When the information that the product identification information is registered is received from the second computer, and the information that the transaction identification information is registered is received, an instruction to display a stamp on the form is received. On the display,
The transaction system according to claim 4. The control unit of the POS terminal includes:
When receiving the information indicating that the product identification information is not registered from the second computer, the display unit displays an instruction to display that the form is not handled,
When receiving information indicating that the transaction identification information is not registered from the second computer, an instruction to display that the deposit amount of the form is not stored is displayed on a display unit,
The transaction system according to claim 4. The information given to the form is
The information including the product identification information, the deposit account and the deposit amount is indicated by a barcode or a two-dimensional barcode,
The information given to the certificate is
The transaction identification information is represented by a barcode or a two-dimensional barcode,
The transaction system according to claim 1. A transaction method in a transaction system including an automatic transaction device, a POS terminal, a first computer, and a second computer,
The automatic transaction device,
Read the product identification information, the deposit account and the deposit amount from the information given to the form,
Accept the cash of the deposit amount,
Transmitting the deposit account and the deposit amount to the first computer;
Transmitting the product identification information and the information indicating that the deposit amount has been accepted to the second computer;
Receiving transaction identification information from said second computer;
Issue a confirmation certificate with the transaction identification information,
The POS terminal,
Reading the product identification information from the information given to the form,
Reading the transaction identification information from the information given to the confirmation certificate,
Transmitting the product identification information to the second computer;
Receiving information on the presence or absence of registration of the product identification information from the second computer,
Transmitting the transaction identification information to the second computer;
Receiving information on the presence or absence of registration of the transaction identification information,
Transaction system.

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