JP6763464B2 - Trading equipment, host servers, financial systems, and trading programs - Google Patents

Description

The present invention relates to a trading device, a host server, a financial system, and a trading program, and can be applied to, for example, an automated teller machine (ATM) installed in a financial institution or the like.

Conventionally, ATMs installed in stores, stations, etc. of financial institutions can carry out transfer transactions. For example, as described in Patent Document 1, when the transfer transaction selection button is selected, the ATM determines whether or not the transfer transaction is possible based on the time at the time of selection of the selection button, and transfers the money. The transaction is processed.

Japanese Unexamined Patent Publication No. 2000-149097

By the way, conventionally, the transfer time that a financial institution in Japan treats as a same-day transfer to another financial institution (hereinafter referred to as "another bank") is until 15:00 on weekdays. In recent years, from the viewpoint of the sophistication of payment infrastructure of financial systems, extension of transfer time to own bank and transfer time to other banks has been studied. For example, as in the past, the transfer time addressed to one's own bank or another bank has been extended from 15:00 to 16:00, and in the future, transfer on the day of Saturday and Sunday is also being considered.

However, if the transfer time handled on the day is extended, there is a possibility that all financial institutions in Japan will not shift at the same time, and some financial institutions may not be able to keep pace.

Therefore, even if the transfer time has changed, the transfer transaction can be carried out the transaction apparatus of flexibility in the day in response to handle the financial system, the host server, the financial system, and, trading program has been demanded.

In order to solve such a problem, the first transaction device of the present invention is a transaction device that performs a transfer transaction, has an input unit that receives transfer information including a transfer destination input by a customer, and a transfer inquiry based on the transfer information. The transfer transaction processing unit that creates the request message, the transmission unit that sends the transfer inquiry request message to the host server, and the host server provide transfer availability information that indicates whether the transfer destination financial institution can handle the transfer on the same day. and a receiving unit for receiving the transfer inquiry response message containing, transfer transaction time, an extra time period that extends from a first time period before the change of the financial institution of the transfer destination, the transfer advisability information, When it indicates that the transfer that is handled on the same day is possible, the transfer transaction processing department creates a transfer execution message that is handled on the same day based on at least the transfer availability information included in the transfer inquiry response message, and the transmitting unit sends the transfer execution message . It is characterized by sending a transfer execution message to a host server .

The second host server of the present invention is a host server that connects to the transaction device via a communication network, and has a receiving unit that receives a transfer inquiry request message created by the transaction device based on the transfer information including the transfer destination. A message creation unit that creates a transfer inquiry response message including transfer availability information that at least indicates whether or not the transfer destination financial institution can handle the transfer on the same day, and a transmission unit that sends the transfer inquiry response message to the above transaction device. In preparation, when the transfer transaction time is an extension time zone extended from the first time zone before the change of the financial institution of the transfer destination, the message preparation department indicates whether or not the transfer can be handled on the same day. It is characterized by creating the above-mentioned transfer inquiry response message including information .

The third host server of the present invention is a first host server connected to the trading device via the first communication network and a host server connected via the second communication network, designated by the customer in the trading device . when been transfer destination financial institution is other banks, via the first host server, a determination unit transfer destination based on whether those day or handling of the transfer is possible in the received transfer inquiry message In preparation , when the transfer transaction time is an extended time zone extended from the first time zone before the change of the financial institution of the transfer destination, the judgment unit determines that the transfer can be handled on the same day. And.

The fourth financial system of the present invention is a financial system including a trading device and a host server. The trading device has an input unit that receives transfer information including a transfer destination input by a customer, and a transfer based on the transfer information. It is equipped with a transfer transaction processing unit that creates an inquiry request message, a transmitter that sends a transfer inquiry request message to the host server, and a receiver that receives a transfer inquiry response message from the host server via the communication network. The server is equipped with a message creation unit that creates a transfer inquiry response message that includes at least transfer availability information that indicates whether or not the transfer destination financial institution can handle the transfer on the same day, and the transfer transaction time is the transfer destination. When it is an extended time zone extended from the first time zone before the change of the financial institution, the message preparation department creates a transfer inquiry response message containing transfer availability information indicating that the transfer can be handled on the same day. Then, the transfer transaction processing unit creates a transfer execution message to be handled on the same day based on at least the transfer availability information included in the transfer inquiry response message, and the transmission unit sends the transfer execution message to the above host server. It is characterized by transmitting .

The fifth transaction program of the present invention is a transaction program for performing a transfer transaction, in which a computer creates a transfer inquiry request message based on the transfer information and an input unit that accepts the transfer information including the transfer destination input by the customer. A transfer inquiry response message that includes a transfer transaction processing unit, a transmission unit that sends a transfer inquiry request message to the host server, and transfer availability information indicating whether or not the transfer destination financial institution can make the transfer on the same day from the host server. a is made to function as a receiving unit for receiving, transfer transaction time, an extension time zone that extends from the first time period before the change of the financial institutions of the transfer destination, the transfer propriety information, the transfer of the day treat When it indicates that it is possible, the transfer transaction processing unit creates a transfer execution message to be handled on the same day based on at least the transfer availability information included in the transfer inquiry response message, and the transmission unit sends the above transfer execution message. It is characterized by transmitting to the above host server .

The sixth transaction device of the present invention is a transaction device for performing a transfer transaction, which includes a storage unit that stores transfer time zone information of a financial institution, an input unit that receives transfer information including a transfer destination input by a customer, and finance. The transfer destination financial institution is equipped with a transfer transaction processing department that confirms whether or not the transfer can be handled on the same day by referring to the transfer time zone information of the institution, and the transfer transaction time is changed to the transfer destination financial institution. When it is an extended time zone extended from the previous first time zone, the transfer transaction processing department is characterized in that it is possible to transfer money to the financial institution of the transfer destination on the same day.

According to the present invention, even if the transfer time has changed, it is possible to perform the transfer deal of flexibility in the day in response to handle the financial system.

It is an overall configuration diagram which shows the overall configuration of the trading system which concerns on 1st Embodiment. It is an appearance block diagram which shows the appearance structure of the ATM which concerns on 1st Embodiment. It is an internal block diagram which shows the internal structure of the ATM which concerns on 1st Embodiment. It is an internal block diagram which shows the internal structure of the financial host server which concerns on 1st Embodiment. It is a flowchart which shows the processing operation of the transfer transaction in the transaction system which concerns on 1st Embodiment (the 1). It is a flowchart which shows the processing operation of the transfer transaction in the transaction system which concerns on 1st Embodiment (the 2). It is an internal block diagram which shows the internal structure of the financial host server which concerns on 2nd Embodiment. It is a flowchart which shows the processing operation of the transfer transaction in the transaction system which concerns on 2nd Embodiment (the 1). It is a flowchart which shows the processing operation of the transfer transaction in the transaction system which concerns on 2nd Embodiment (the 2). It is an internal block diagram which shows the internal structure of the ATM which concerns on 3rd Embodiment. It is a flowchart which shows the processing operation of the transfer transaction in the transaction system which concerns on 3rd Embodiment (the 1). It is a flowchart which shows the processing operation of the transfer transaction in the transaction system which concerns on 3rd Embodiment (the 2). It is a flowchart which shows the processing operation of the transfer transaction in the transaction system which concerns on 4th to 6th Embodiment (the 1). It is a flowchart which shows the processing operation of the transfer transaction in the transaction system which concerns on 4th Embodiment (the 2). It is a flowchart which shows the processing operation of the transfer transaction in the transaction system which concerns on 5th Embodiment (the 2). It is a flowchart which shows the processing operation of the transfer transaction in the transaction system which concerns on 6th Embodiment (the 2). It is a screen view which shows the guidance display on the transaction start screen which concerns on 7th Embodiment. It is a screen view which shows the guidance display on the transaction menu selection screen which concerns on 7th Embodiment. It is explanatory drawing explaining the timing at the time of displaying the guidance display screen which concerns on 7th Embodiment (the 1). It is explanatory drawing explaining the timing at the time of displaying the guidance display screen which concerns on 7th Embodiment (the 3). It is explanatory drawing explaining the timing at the time of displaying the guidance display screen which concerns on 7th Embodiment (the 3).

(A) First Embodiment In the following, the first embodiment of the trading apparatus, host server, financial system, and trading program according to the present invention will be described in detail with reference to the drawings.

(A-1) Configuration of First Embodiment (A-1-1) Overall Configuration of Trading System FIG. 1 is an overall configuration diagram showing an overall configuration of a trading system according to the first embodiment.

In FIG. 1, the transaction system 5 according to the first embodiment has a plurality of ATMs 1 that can be connected to the communication line 4-1 and a host server or management server of the financial institution of the transfer source (hereinafter, host server or management of the financial institution). The server is called a "financial host server".) It has a financial host server 2. Further, the financial host server 2 can be connected to the financial host server 3 of another bank via the communication line 4-2.

The communication line 4-1 is a communication line for sending and receiving telegrams (transaction information) related to transactions between the ATM 1 of the financial institution and the financial host server 2. Further, the communication line 4-2 is a communication line for sending and receiving a message (transaction information) regarding mutual transactions between financial institutions between the financial host server 2 of the financial institution and the financial host server 3 of another bank. is there.

As the communication lines 4-1 and 4-2, the communication lines of the existing financial system can be applied. In addition, the communication protocols of the communication lines 4-1 and 4-2 are those in which network security is ensured, and for example, an original dedicated protocol of a financial system, TCP / IP (Internet protocol), or the like can be applied. it can.

The ATM1 is installed in, for example, a financial institution, an airport, a station, a convenience store, etc., and performs various transaction processing by customer operation. The ATM 1 transmits transaction information including a transaction type and transaction contents input by a customer operation to the financial host server 2, and receives transaction execution information permitted by the financial host server 2.

Transaction types that ATM1 can handle include, for example, deposit transactions and withdrawal transactions. The deposit transaction is a transaction for depositing cash received from a customer, and includes, for example, a deposit transaction for depositing cash and a transfer transaction for transferring cash to a predetermined account. The withdrawal transaction is a transaction for paying cash to a customer, for example, a withdrawal transaction for withdrawing cash from an account.

The financial host server 2 is a host server of a core system of a financial institution. The financial institution host server 2 executes a transaction based on the transaction information acquired from the ATM 1 via the communication line 4-1 and manages the completed transaction information.

In addition, the financial host server 2 exchanges information regarding transactions with the financial host server 3 of another bank via the communication line 4-2 according to the transaction content acquired from the ATM 1. In particular, in this embodiment, when the financial host server 2 acquires information on a transfer transaction addressed to another bank from ATM 1, the financial host server 2 inquires whether or not the other bank allows the transfer transaction handled on the same day. To the financial host server 3 of another bank. Then, when another bank allows the transfer transaction handled on the same day, the financial host server 2 transmits a transfer inquiry response message indicating that the transfer transaction handled on the same day is permitted to the ATM1. On the other hand, if the other bank does not allow the transfer transaction handled on the same day, the financial host server 2 sends a transfer inquiry response message to the ATM 1 indicating that the transfer transaction is handled on the next business day.

The other bank financial host server 3 is a host server of a core system of another financial institution different from the financial institution that operates the financial host server 2. The other bank financial host server 3 manages the transfer time that the other bank treats on the day. When the other bank financial host server 3 receives an inquiry from the financial host server 2 as to whether or not to allow the transfer transaction handled on the same day, it determines whether or not the current time is the transfer time to be treated as the current day. Then, the other bank financial host server 3 transmits a response telegram including a determination result of whether or not to allow the transfer transaction handled on the same day to the financial host server 2.

(A-1-2) Internal Configuration of ATM 1 FIG. 2 is an external configuration diagram showing an external configuration of ATM 1 according to the first embodiment. In FIG. 2, the ATM 1 according to this embodiment has an operation display unit 11, a bill deposit / withdrawal port 12, a coin deposit / withdrawal port 13, a passbook entry / exit 14, and a card entry / exit 15.

The operation display unit 11 displays, for example, a transaction type selection menu screen, an operation screen for each transaction type, a confirmation screen for transaction details, and the like, and imports input information input by a customer. For example, the operation display unit 11 can apply a touch panel type operation display unit. The operation display unit 11 is not limited to the touch panel type in which the operation unit and the display unit are integrated, and the operation unit and the display unit may have physically different configurations.

The bill deposit / withdrawal port 12 accepts bills inserted by the customer or ejects the bills.

The coin deposit / withdrawal port 13 accepts coins inserted by customers or ejects coins.

The passbook entrance / exit 14 accepts a passbook inserted by a customer or discharges the passbook.

The card entrance / exit 15 accepts a cash card inserted by a customer or ejects the cash card.

FIG. 3 is an internal configuration diagram showing an internal configuration of the ATM 1 according to the first embodiment. The ATM 1 is configured to include, for example, a control device, a communication device, a mechanical unit, and the like, and FIG. 3 functionally shows the internal configuration of the ATM 1.

In FIG. 3, the ATM 1 has a transaction control unit 21, a storage unit 23, a communication unit 24, an operation display control unit 25, a card mechanism unit 26, a passbook mechanism unit 27, and a cash mechanism unit 28.

The transaction control unit 21 is a processing unit or device that controls the overall functions of the ATM 1. The transaction control unit 21 is configured to include, for example, a CPU, a ROM, a RAM, an EEPROM, an input / output interface, etc., and various functions of the ATM 1 can be obtained by executing a processing program stored in the ROM by the CPU. It will be realized. Further, the function of ATM1 may be constructed by installing the processing program, and even in that case, the function can be shown in FIG. Further, as a main function executed by the transaction control unit 21, there is a transaction processing unit 211 that performs various transaction processing.

The transaction processing unit 211 displays a menu screen that displays the types of transactions that can be executed in ATM1. The transaction processing unit 211 acquires information and performs transaction processing while displaying a guidance screen for the transaction type selected by the customer operation on the menu screen and proceeding with the transaction. The transaction processing unit 211 performs various transactions of deposit processing (for example, deposit transaction, transfer transaction, etc.) and withdrawal processing (withdrawal transaction, etc.), and has a transfer transaction processing unit 30 as one of the deposit processes.

When the transfer transaction is selected by the customer operation, the transfer transaction processing unit 30 performs a transaction to transfer cash to the transfer destination with the acquired transfer contents. The transfer transaction processing unit 30 can perform either a cash transfer or a card transfer. In addition, the transfer transaction processing unit 30 may transfer to its own bank or another bank.

For example, the transfer transaction processing unit 30 uses the transfer amount, requester name, and transfer destination information (more specifically, the transfer destination financial institution name and financial institution number, branch name and branch number, through the transaction screen related to the transfer. The transfer information including the transfer destination account number, etc.) is acquired, and the transfer inquiry request message including the transfer information is transmitted to the financial host server 2. The transfer transaction processing unit 30 acquires a transfer inquiry response message from the financial host server 2, displays that fact if the transfer is possible, and completes the transfer transaction when the confirmation button is selected by the customer. The transfer transaction processing unit 30 outputs or displays the transfer caution information described later on the operation display unit 11.

The operation display control unit 25 controls the user interface function of the ATM 1. Specifically, the operation display control unit 25 presents the operation screen to the user by using, for example, the touch panel type operation display unit 11, outputs information to the user, and accepts operations from the user (menu selection). , Transaction type input, amount input, number input, etc.).

The operation display control unit 25 gives the operation display control unit 25 predetermined screen data of the corresponding transaction type according to the transaction type by the transaction processing unit 211, and causes the operation display unit 11 to display the display screen. The screen displayed by the operation display control unit 25 may be, for example, read the image data for each transaction type stored in advance from the storage unit 23 and display it on the operation display unit 11, or the financial host server 2 It may be displayed on the operation display unit 11 based on the image data acquired from.

The storage unit 23 includes a processing program executed by the transaction control unit 21, various information required for information processing, screen data to be displayed on the operation display unit 11 (may include still images and moving images), and the like. Is to remember. The storage unit 23 is used by the control unit 21 as a secondary storage means, and for example, a non-volatile storage device such as a flash memory, a hard disk (HDD), or a storage medium (for example, a CD-R) is applied. You may do so.

The communication unit 24 is a network interface for communicating information with the financial host server 2 and the like. The communication unit 24 transmits information about the transaction acquired by the transaction control unit 21 to the financial host server 2 as a telegram, or receives a response telegram to the telegram requested by the financial host server 2.

The card mechanism unit 26 gives the data stored in the data storage unit of the card (for example, a cash card, a credit card, etc.) inserted from the card inlet / outlet 15 to the transaction control unit 21 or writes the data to the card. It is something that you do.

The passbook mechanism unit 27 performs data reading and data writing of a data storage unit such as a magnetic stripe of the passbook inserted into the passbook entrance / exit 14, data writing, and passbook entry processing.

The cash mechanism unit 28 has a function of storing the deposited money (banknotes and / or coins) and a function of withdrawing the stored money to the user.

(A-1-3) Internal Configuration of Financial Host Server FIG. 4 is an internal configuration diagram showing an internal configuration of the financial host server 2 according to the first embodiment. In FIG. 4, the financial host server 2 according to the first embodiment has a control unit 41, a storage unit 43, a communication unit 44, and a communication unit 45.

The control unit 41 is a processing unit or device that controls the overall functions of the financial host server 2. The control unit 41 realizes various functions of the financial host server 2 by the CPU executing a processing program stored in the storage unit 43 such as a ROM. Further, the function of the financial host server 2 may be constructed by installing the processing program, and even in that case, the function can be shown in FIG. Further, as the main functions executed by the control unit 41, it has a telegram acquisition unit 411, another bank transfer time confirmation unit 412, and a telegram response unit 413.

The telegram acquisition unit 411 acquires the request telegram of each ATM1 acquired via the communication unit 44 connected to the communication line 4-1. As a result, the control unit 41 can analyze the transaction content included in the telegram acquired by the telegram acquisition unit 411, and determine and manage whether or not to execute the transaction.

The other bank transfer time confirmation unit 412 confirms the transfer time to be treated as the same day of the other bank, which is the transfer destination, when the telegram acquired by the telegram acquisition unit 411 is a transfer inquiry request telegram addressed to another bank. Is.

Here, the method of confirming the transfer time handled by the other bank on the same day by the other bank transfer time confirmation unit 412 is as follows for the other bank financial host server 3 on the day via the communication unit 45 connected to the communication line 4-2. A method of inquiring about the transfer time to be handled and confirming the transfer time to be handled on the same day of the other bank can be applied based on the response message from the financial host server 3 of the other bank. As a result, it is possible to flexibly respond to whether the transfer is handled on the same day or the next business day, depending on the current handling of other banks. Further, as another method, for example, the financial host server 2 stores a list of transfer times handled on the same day of another bank in the storage unit 43, and refers to the other bank transfer time list information stored in the storage unit 43. Then, the transfer time of the other bank, which is the transfer destination of this transfer transaction, may be confirmed on the same day.

The telegram response unit 413 returns a response telegram to the request telegram to the ATM 1 via the communication unit 44.

In the storage unit 43, the processing program of the control unit 41 stores the transaction history and the like.

The communication unit 44 is connected to the communication line 4-1 and sends and receives telegrams to and from each ATM1.

The communication unit 45 is connected to the communication line 4-2 and sends and receives a predetermined telegram to and from the financial host server 3 of another bank.

(A-2) Operation of the First Embodiment Next, the operation of the transfer transaction processing in the transaction system 5 according to the first embodiment will be described in detail with reference to the drawings.

5 and 6 are flowcharts showing the processing operation of the transfer transaction in the transaction system 5 according to the first embodiment.

First, in ATM 1, the transaction menu screen is displayed on the operation display unit 11, and a desired transaction type is selected by customer operation. Here, the transfer transaction is selected on the operation display unit 11 (S101). In the transaction control unit 21, the transfer transaction processing unit 30 is activated, and the transfer transaction processing 30 transmits a request message to the effect that the transfer transaction has been selected to the financial host server 2 (S102). The financial host server 2 determines whether or not a transfer transaction handled on the same day is possible, and returns a response message to the acquired request message to the ATM 1 (S103).

For example, the financial host server 2 determines whether or not the time when the transfer transaction is selected is the transfer time zone for the same-day transfer. Here, it is not determined whether or not the transfer destination is addressed to another bank, but whether or not the transfer time using the ATM1 is the time zone for whether or not the transfer can be treated as the same day of the bank. I am judging whether or not. Here, the case where the ATM 1 confirms the time zone handled on the same day with the financial host server 2 is illustrated, but it is determined whether or not the ATM 1 itself is the time zone handled on the same day using the ATM 1. You may try to do it. In that case, S102 and S103 of FIG. 5 may be omitted.

The ATM1 determines whether or not the transfer transaction using the ATM1 is treated as the next business day (displayed as "next business day" in FIG. 5) (S104). If the transfer can be handled on the same day in S104, the process shifts to S107.

If it is determined in S104 that it is treated as the next business day, the process shifts to S105, and the transfer date confirmation screen as the transfer date warning information is displayed on the operation display unit 11 (S105). On the transfer date confirmation screen, for example, a guidance display such as "The current time zone will be handled on the next business day. Please press the" Confirm "button if you like" and a "Confirm" button are displayed. Then, when the "confirmation" button is pressed by the customer operation, it is displayed that the transfer date will be the next business day, and the transfer date confirmation information 231 indicating that the customer has confirmed is stored in the storage unit 23 (S106). ). The transfer date confirmation information 231 is temporarily stored in the storage unit 23 at least until the end of the current transaction. Then, the process shifts to S107. That is, the transfer transaction cannot be continued unless the "confirmation" button is pressed on the transfer date confirmation screen.

In S105, when the "Cancel Cancel" button is pressed on the transfer date confirmation screen, the process shifts to S121 and the transfer transaction is canceled (S121).

In S107, the transfer transaction guidance screen is displayed on the operation display unit 11, and the transfer method can be selected from card transfer or cash transfer (displayed as "card / cash selection" in FIG. 5), a card, etc. (for example, a cash card). , Transfer card, passbook, etc.), input of transfer destination information, etc. (S107).

In S108, the transfer amount input screen is displayed on the operation display unit 11, the transfer amount is input by the customer (S108), the input transfer amount is displayed on the operation display unit 11, and the "confirmation" button is selected by the customer operation. Then, the transfer process is executed (S109).

At this time, the ATM 1 transmits a transfer inquiry request message including the input information regarding the transfer to the financial host server 2 (S110). For example, the transfer inquiry request message includes the transfer amount, the requester name, and the transfer destination information (financial institution name and financial institution number of the transfer destination, branch name and branch number, account number of the transfer destination, etc.).

The financial host server 2 confirms whether or not the transfer destination financial institution is another bank based on the transfer destination financial institution name and the financial institution number included in the acquired transfer inquiry request message (S122). Then, if the transfer destination financial institution is another bank, the processing shifts to S123 and the transfer period handled on the day of the other bank is confirmed. That is, the financial host server 2 makes a transfer inquiry to the other bank financial host server 3 of the transfer destination as to whether or not the transfer can be handled on the same day (S123). The financial institution host server 2 acquires the inquiry result from the other bank financial host server 3 and sends the inquiry result to the ATM 1 (S111). Then, the financial host server 2 returns a response telegram to the ATM 1 as to whether or not the same-day transfer to another bank is possible (S112).

In S122, when the transfer destination is the bank, the financial institution host server 2 shifts the processing to S111 and sends the processing result to the ATM 1 (S111). When the financial institution of the transfer destination is its own bank, the ATM 1 confirms the transfer destination, sends a transfer execution message to the financial institution host server 2 (S124), and completes the transfer process (S125).

On the other hand, when the financial institution to which the transfer is made is another bank, in ATM1, the transfer transaction processing unit 30 determines whether or not the transfer to the other bank is treated as the next business day based on the response message obtained from the financial host server 2. (S113).

In S113, if the other bank cannot make the transfer on the same day and the transfer transaction is handled on the next business day, the processing shifts to S114. Then, the transfer transaction processing unit 30 determines whether or not the transfer date confirmation screen has already been displayed in S105 (S114). Here, the transfer date confirmation screen is displayed many times, and in order to avoid annoyance to the customer, it is confirmed whether or not the transfer date confirmation screen has already been displayed.

When the transfer date confirmation screen has already been displayed, the transfer transaction is executed with the contents of the input transfer information (S127, S128). On the other hand, when the transfer date confirmation screen is not displayed, the process shifts to S117 and the transfer date confirmation screen is displayed on the operation display unit 11 in order to notify the customer that the transfer date will be the next business day. (S117). When the "Confirm" button on the transfer date confirmation screen is pressed, the transfer transaction is executed with the contents of the input transfer information (S127, S128). That is, the transfer transaction cannot be continued unless the "confirmation" button indicating the customer's consent that the transfer date has been confirmed on the transfer date confirmation screen is pressed. Further, the transfer date selection screen has a "transaction cancellation" button, and when the "transaction cancellation" button is pressed, the transaction is canceled (S126).

In S113, if the transfer transaction is not treated as the next business day based on the response message from the financial host server 2, the process shifts to S116, and the transfer date is selected to be treated as the same day or the next business day. The transfer date selection screen to be made is displayed on the operation display unit 11 (S116). Further, the transfer date selection screen has a "transaction cancellation" button, and when the "transaction cancellation" button is pressed, the transaction is canceled (S126). On the other hand, when the "Handle on the same day" button and the "Handle on the next business day" button are pressed on the transfer date selection screen, the process shifts to S127. Here, the transfer date may be treated as the same day by omitting the display of the transfer date selection screen in S116. This is because, in S113, the other bank of the transfer destination recognizes that the transfer transaction handled on the same day is possible.

The ATM 1 confirms the transfer destination, transmits the transfer execution telegram to the financial institution host server 2 (S127), and completes the transfer process (S128).

The processing after S117 is the same as the existing transfer processing. That is, the ATM 1 sends a transfer execution message including the transfer contents to the financial host server 2 and executes the transfer transaction treated on the same day or the next business day based on the input transfer information. Then, the transfer transaction is completed.

(A-3) Effect of the first embodiment As described above, according to the first embodiment, even if the transfer transaction to a financial institution whose transfer time extension correspondence is delayed can be handled on the same day at the ATM. , When the transfer destination financial institution cannot process the transfer, it is possible to suppress complaints by making the customer aware of the transfer date.

(B) Second Embodiment Next, a second embodiment of the trading apparatus, host server, financial system, and trading program according to the present invention will be described in detail with reference to the drawings.

(B-1) Configuration of Second Embodiment In the second embodiment, it is determined whether or not the financial host server 2 can transfer money to another bank on the same day. Therefore, also in the second embodiment, the overall configuration of the trading system 5 of FIG. 1 and the appearance configuration of the ATM 1 of FIG. 2 according to the first embodiment will be described.

FIG. 7 is a configuration diagram showing an internal configuration of the financial host server 2 according to the second embodiment. In FIG. 7, the financial host server 2 according to the second embodiment has a control unit 41, a storage unit 43, a communication unit 44, and a communication unit 45, similarly to the financial host server 2 according to the first embodiment.

The control unit 41 refers to the transfer time zone information 431 stored in the storage unit 43, and based on the transfer destination and the transfer transaction time included in the transfer inquiry request telegram acquired from the ATM 1, the transfer is handled on the same day. Judges whether or not it is possible, and returns the transfer inquiry response message to ATM1.

Similar to the first embodiment, the storage unit 43 stores the execution program of the control unit 41, the transaction history, and the like. In addition, the storage unit 43 stores the transfer time zone information 431 that allows the transfer transaction of each financial institution. The transfer time zone information 431 may include the transfer time zone of the own bank, or may include the transfer time zone of the other bank without including the transfer time zone of the own bank.

The transfer time zone information 431 is such that, for example, the transfer time handled by all financial institutions is extended from 9:00 to 15:00 by one hour to 9:00 to 16:00. If it changes uniformly, it will be the same time zone for all financial institutions.

If the transfer time zone handled by each financial institution is different, for example, financial institution A will be extended by 1 hour to "from 9:00 to 16:00", and financial institution B will be extended by 2 hours to "from 9:00". When "until 17:00", the transfer time zone for each financial institution may be defined. Furthermore, depending on the financial institution, when making transfer transactions possible on Saturdays, Sundays, holidays, etc., the transfer time zone of "from XX hours to XX hours" on Saturdays, Sundays, and holidays may be defined. ..

The transfer time zone information 431 can be changed manually, for example, or can be obtained from another bank financial host server 3 on a regular basis (for example, when the power is turned on), or at the timing of a transfer inquiry request message, for example. It is possible to flexibly respond to fluctuations in the operation of each other bank, such as by acquiring from the bank financial institution host server 3.

(B-2) Operation of the Second Embodiment Next, the operation of the transfer transaction processing in the transaction system 5 according to the second embodiment will be described in detail with reference to the drawings.

8 and 9 are flowcharts showing the processing operation of the transfer transaction in the transaction system 5 according to the second embodiment. In addition, in FIGS. 8 and 9, the same reference numerals are given to the same or corresponding processing of the transfer transaction processing operations of FIGS. 5 and 6 according to the first embodiment. Further, detailed description of the same or corresponding processing of the transfer transaction processing operations of FIGS. 5 and 6 according to the first embodiment will be omitted.

The transfer transaction is selected by the customer operation on the operation display unit 11 of the ATM 1 (S101). At this time, the transfer transaction processing 30 transmits a request message indicating that the transfer transaction has been selected to the financial host server 2 (S102), and the financial host server 2 determines whether or not the transfer transaction handled on the same day is possible. The determination is made and the response message to the acquired request message is returned to ATM1 (S103).

The transfer transaction processing unit 30 determines whether or not the transfer transaction is treated as the next business day based on the acquired response telegram (S104), and if it is determined that the transfer transaction is treated as the next business day, the same as in the first embodiment. The transfer date confirmation screen is displayed on the operation display unit 11 (S105). Then, when the "confirmation" button is pressed by the customer operation, the transfer date confirmation information 231 indicating that the transfer date will be the next business day is stored in the storage unit 23 (S106).

Then, the guidance screen of the transfer transaction is displayed on the operation display unit 11, and the transfer method is selected as card transfer or cash transfer, the card or the like is inserted, the transfer destination information is input, and the like (S107). When the transfer amount input screen is displayed on the operation display unit 11, the transfer amount is input by the customer (S108), the entered transfer amount is displayed on the operation display unit 11, and the "confirm" button is selected by the customer operation. , The transfer process is executed (S109).

The ATM 1 transmits a transfer inquiry request message including the input information regarding the transfer to the financial host server 2 (S110).

The financial host server 2 confirms the transfer information based on the transfer inquiry request message. At this time, in the financial host server 2, the control unit 41 confirms the transfer destination and the current time from the acquired transfer information. Then, it is determined whether the transfer destination is the own bank or another bank (S151). When the transfer destination is another bank, the control unit 41 reads out the transfer time zone of the other bank registered in the transfer time zone information 431 stored in the storage unit 43, and whether or not the current time can be transferred. Is determined (S152). If the current time is the transfer time zone of the other bank, which is the transfer destination, the financial host server 2 determines that the transfer can be handled on the same day, and the current time is the transfer of the other bank, which is the transfer destination. If it is not in the time zone, the transfer will be treated as the next business day. If the transfer destination is the bank, the financial host server 2 confirms the bank's transfer time zone and determines whether the transfer can be handled on the same day.

The financial host server 2 sends the determination result to the ATM 1 (S153). Then, the financial institution host server 2 returns a response message to the ATM 1 as to whether or not the transfer can be handled on the same day (S112).

When the transfer destination is its own bank, the ATM 1 confirms the transfer destination, sends a transfer execution telegram to the financial institution host server 2 (S124), and completes the transfer process (S125).

Further, in the ATM 1, the transfer transaction processing unit 30 determines whether or not the transfer to another bank is treated as the next business day based on the response message acquired from the financial host server 2 (S113).

In S113, when the transfer transaction is treated as the next business day, the transfer transaction processing unit 30A determines whether or not the transfer date confirmation screen has already been displayed in S105, as in the first embodiment (S114). Then, when the transfer date confirmation screen has already been displayed, the transfer transaction is executed with the contents of the input transfer information (S127, S128). On the other hand, when the transfer date confirmation screen is not displayed, the process shifts to S117 and the transfer date confirmation screen is displayed on the operation display unit 11 in order to notify the customer that the transfer date will be the next business day. (S117). When the "Confirm" button on the transfer date confirmation screen is pressed, the transfer transaction is executed with the contents of the input transfer information (S127, S128). That is, the transfer transaction cannot be continued unless the "confirmation" button indicating the customer's consent that the transfer date has been confirmed on the transfer date confirmation screen is pressed. Further, the transfer date selection screen has a "transaction cancellation" button, and when the "transaction cancellation" button is pressed, the transaction is canceled (S126).

In S113, if the transfer transaction is not treated as the next business day based on the response message from the financial host server 2, the process shifts to S116, and the transfer date is selected to be treated as the same day or the next business day. The transfer date selection screen to be made is displayed on the operation display unit 11 (S116). Further, the transfer date selection screen has a "transaction cancellation" button, and when the "transaction cancellation" button is pressed, the transaction is canceled (S126). On the other hand, when the "Handle on the same day" button and the "Handle on the next business day" button are pressed on the transfer date selection screen, the process shifts to S127. Here, the transfer date may be treated as the same day by omitting the display of the transfer date selection screen in S116. This is because, in S113, the other bank of the transfer destination recognizes that the transfer transaction handled on the same day is possible.

The processing after S117 is the same as the existing transfer processing. That is, the ATM 1 sends a transfer execution message including the transfer contents to the financial host server 2 and executes the transfer transaction treated on the same day or the next business day based on the input transfer information. Then, the transfer transaction is completed.

(B-3) Effect of Second Embodiment As described above, according to the second embodiment, in addition to the effect of the first embodiment, the transfer transaction to the financial institution whose transfer time extension response is delayed. In this case, the financial host server can check the transfer time zone of another bank, so even if the ATM can handle the transfer on the same day, the customer will be aware of the transfer date when the transfer destination cannot process it. This makes it possible to deter claims.

Further, in the second embodiment, since the financial host server side does not need to make an inquiry to the financial host server of another bank, it is possible to reduce the cost and time related to the development of the server.

(C) Third Embodiment In the third embodiment, it is determined whether or not the transfer of another bank can be handled on the same day at ATM1. Therefore, the third embodiment will also be described with reference to the overall configuration of the trading system 5 of FIG. 1 and the appearance configuration of the ATM 1 of FIG. 2 according to the first and second embodiments.

(C-1) Configuration of Third Embodiment FIG. 10 is an internal configuration diagram showing an internal configuration of the ATM 1 according to the third embodiment. In FIG. 10, the ATM 1 of the third embodiment has a transaction control unit 21, a storage unit 23, a communication unit 24, an operation display control unit 25, a card mechanism unit 26, and a passbook mechanism unit, similarly to the first embodiment. 27, has a cash mechanism unit 28.

In the third embodiment, the processing of the transfer transaction processing unit 30A is different from that of the first embodiment. Therefore, in the third embodiment, a detailed description will be given focusing on the configuration of the transfer transaction processing unit 30A.

The transfer transaction processing unit 30A performs a transaction to transfer cash to the transfer destination with the acquired transfer contents, as in the first embodiment. When the transfer transaction processing unit 30A acquires the transfer information addressed to another bank, it determines whether or not the current time is the transfer time zone handled on the same day, and confirms the transfer date when the transfer time zone is handled on the same day. The transfer date alert screen is displayed.

Here, various methods can be applied to the method of confirming the transfer time zone to be treated as the same day of another bank by the transfer transaction processing unit 30A.

For example, the transfer transaction processing unit 30A compares the time zone (for example, from 9:00 to 16:00) that allows transfer transactions to other banks with the transfer transaction time, and when the transfer transaction time is before 16:00. In addition, the transfer date warning screen may be displayed.

Further, for example, the transfer transaction processing unit 30A compares the current (before change) time zone (for example, from 9:00 to 15:00) regarding the transfer transaction addressed to another bank with the transfer transaction time, and the transfer transaction time is 15:00. Determine if it is before. Then, when the transfer transaction time exceeds 15:00, the transfer transaction processing unit 30A performs the transfer transaction with the extended (changed) time zone (for example, from 15:00 to 16:00) regarding the transfer transaction addressed to another bank. It is also possible to compare with the time and display the transfer date warning screen when the transfer transaction time is before 16:00. In the case of the latter confirmation method, the permissible transfer time for bank A on the day is up to 15:00, but the permissible transfer time for same day at bank B is until 16:00, and the permissible transfer time differs depending on the financial institution. Therefore, it is necessary to judge whether the time for making the transfer corresponds to the time zone of the allowable transfer time. In this embodiment, the case where the transfer transaction processing unit 30A applies the latter confirmation method described above will be illustrated. The current (before change) time zone for transfer transactions to other banks is also called the first time zone. In addition, the extended (changed) time zone for transfer transactions addressed to other banks is also referred to as the second time zone.

(C-2) Operation of the Third Embodiment Next, the operation of the transfer transaction processing in the transaction system 5 according to the third embodiment will be described in detail with reference to the drawings.

11 and 12 are flowcharts showing the processing operation of the transfer transaction in the transaction system 5 according to the third embodiment. In addition, in FIGS. 11 and 12, the same reference numerals are given to the same or corresponding processing of the transfer transaction processing operations according to the first and second embodiments. In addition, detailed description of the same or corresponding processing of the processing operation of the transfer transaction according to the first and second embodiments will be omitted.

The transfer transaction is selected by the customer operation on the operation display unit 11 of the ATM 1 (S101). At this time, the transfer transaction processing 30 transmits a request message indicating that the transfer transaction has been selected to the financial host server 2 (S102), and the financial host server 2 determines whether or not the transfer transaction handled on the same day is possible. The determination is made and the response message to the acquired request message is returned to ATM1 (S103).

The transfer transaction processing unit 30 determines whether or not the transfer transaction is treated as the next business day based on the acquired response telegram (S104), and if it is determined that the transfer transaction is treated as the next business day, the same as in the first embodiment. The transfer date confirmation screen is displayed on the operation display unit 11 (S105). Then, when the "confirmation" button is pressed by the customer operation, the transfer date confirmation information 231 indicating that the transfer date will be the next business day is stored in the storage unit 23 (S106).

Then, the guidance screen of the transfer transaction is displayed on the operation display unit 11, and the transfer method is selected as card transfer or cash transfer, the card or the like is inserted, the transfer destination information is input, and the like (S107). When the transfer amount input screen is displayed on the operation display unit 11, the transfer amount is input by the customer (S108), the entered transfer amount is displayed on the operation display unit 11, and the "confirm" button is selected by the customer operation. , The transfer process is executed (S109).

The ATM 1 transmits a transfer inquiry request message including the input information regarding the transfer to the financial host server 2 (S110). The financial host server 2 confirms the transfer information based on the transfer inquiry request message, and returns a response message as to whether or not the transfer is possible to the ATM 1 (S112).

When the transfer destination is its own bank, the ATM 1 confirms the transfer destination, sends a transfer execution telegram to the financial institution host server 2 (S124), and completes the transfer process (S125).

When the transfer destination is another bank, the transfer transaction processing unit 30 of ATM1 determines whether or not the transfer to the other bank is handled on the next business day based on the response telegram obtained from the financial host server 2 (S113). ).

In S113, if the transfer transaction is not treated as the next business day based on the response message from the financial host server 2, the transfer transaction processing unit 30A allows the transfer transaction time to be treated as the same day at another bank of the transfer destination. Judge whether it corresponds to the band. Specifically, the transfer transaction processing unit 30A compares the current transfer transaction time with the transfer time zone before the change (for example, from 9:00 to 15:00 (first time zone)), and compares the transfer transaction time (for example, the first time zone). It is determined whether or not the transfer transaction time) is before 15:00 (S201). That is, it is determined whether or not the transfer transaction time corresponds to the first time zone.

At this time, if the transfer transaction time is before 15:00, the transfer can be handled on the same day of the other bank as in the transfer time zone treated on the same day of the other bank before the change. Therefore, in this case, the transfer transaction treated on the same day is executed and the transfer transaction is completed (S127, S128) as in the existing transfer process.

On the other hand, when the transfer transaction time exceeds 15:00, the transfer transaction processing unit 30A determines the transfer transaction time (transfer transaction time) and the extended time zone (for example, from 15:00 to 16:00 (second time zone)). )) And (S202). That is, it is determined whether or not the transfer transaction time corresponds to the second time zone.

Then, when the transfer transaction time is before 16:00 (when the transfer transaction time corresponds to the second time zone), the transfer transaction processing unit 30A displays the transfer date warning screen on the operation display unit 11 (when the transfer transaction time corresponds to the second time zone). S203). The transfer date alert screen is a screen for alerting the customer on the transfer date. The transfer date alert screen displayed here is a screen for alerting that the transfer date may be treated as the next business day. For example, it has a warning display such as "Depending on the financial institution to which you transfer money, it may be treated as the next business day. If you like, please press the" Confirm "button." And a "Confirm" button. Then, when the "confirmation" button is pressed by the customer operation, the transfer transaction processing unit 30A causes the ATM 1 to send a transfer execution telegram including the transfer contents to the financial host server 2 as in the existing transfer processing. It is transmitted to the server 2 and the transfer transaction addressed to another bank is executed based on the input transfer information, and the transfer transaction is completed (S127, S128). In other words, the transfer transaction cannot be continued unless the "confirm" button indicating the customer's consent that the transfer date may be treated as the next business day is pressed on the transfer date warning screen. There is. In addition, the transfer date warning screen has a "transaction cancellation" button, and when the "transaction cancellation" button is pressed, the transaction is canceled (S126).

Then, when the transfer transaction time exceeds 16:00 (when the transfer transaction time does not correspond to the second time zone), the transfer transaction processing unit 30A confirms the transfer date in S105 as in the first embodiment. It is determined whether or not the screen has already been displayed (S114). Then, when the transfer date confirmation screen has already been displayed, the transfer transaction is executed with the contents of the input transfer information (S127, S128). When the transfer date confirmation screen is not displayed, the process shifts to S117 in order to notify the customer that the transfer date will be the next business day, and the transfer date confirmation screen is displayed on the operation display unit 11 ( S117). When the "Confirm" button on the transfer date confirmation screen is pressed, the transfer transaction is executed with the contents of the input transfer information (S127, S128). That is, the transfer transaction cannot be continued unless the "confirmation" button indicating the customer's consent that the transfer date has been confirmed on the transfer date confirmation screen is pressed. Further, the transfer date selection screen has a "transaction cancellation" button, and when the "transaction cancellation" button is pressed, the transaction is canceled (S126).

In S202, when the transfer time zone information of another bank is stored in the storage unit 23 of the ATM 1, the transfer transaction processing unit 30A refers to the transfer date confirmation information 231 and transfers the input transfer destination information. Obtain the transfer time zone information of the financial institution, and use the transfer time zone information to determine whether or not the transfer transaction time is the transfer time zone (extended time zone). You may.

The processing after S117 is the same as the existing transfer processing. That is, the ATM 1 sends a transfer execution message including the transfer contents to the financial host server 2 and executes the transfer transaction treated on the same day or the next business day based on the input transfer information. Then, the transfer transaction is completed (S127, S128).

(C-3) Effect of Third Embodiment As described above, according to the third embodiment, when the transferable time handled by each financial institution is different, for example, the transferable time is 15 at financial institution A. Although it is until the time, if the transfer available time is until 16:00, the financial institution B can call the customer who is trying to transfer the attention of the transfer date.

(D) Fourth Embodiment Next, a fourth embodiment of the trading apparatus, host server, financial system, and trading program according to the present invention will be described in detail with reference to the drawings.

(D-1) Configuration of Fourth Embodiment In the fourth embodiment, it is determined whether or not the transfer can be handled on the day of the bank at ATM1. Therefore, also in the fourth embodiment, the overall configuration of the trading system 5 of FIG. 1, the external configuration of the ATM 1 of FIG. 2, and the internal configuration diagram of the ATM 1 of FIG. 3 according to the first to third embodiments will be described. To do.

In the fourth embodiment, the processing of the transfer transaction processing unit 30 is different from that of the first embodiment. Therefore, in the fourth embodiment, a detailed description will be given focusing on the configuration of the transfer transaction processing unit 30.

The transfer transaction processing unit 30 performs a transaction of transferring cash to the transfer destination with the acquired transfer contents, as in the first embodiment. Further, when the transfer transaction processing unit 30 obtains the result of the transfer inquiry from the financial host server 2, the transfer date of the transfer destination is treated as the same day transfer, the next business day transfer, the same day transfer, or the same day transfer. Determine if the transfer will be made on the next business day or not (that is, the transfer date is unknown). Depending on the determination result, the transfer transaction processing unit 30 displays a transfer date warning screen for confirming the transfer date.

(D-2) Operation of the Fourth Embodiment Next, the operation of the transfer transaction processing in the transaction system 5 according to the fourth embodiment will be described in detail with reference to the drawings.

13 and 14 are flowcharts showing the processing operation of the transfer transaction in the transaction system 5 according to the fourth embodiment.

First, in ATM 1, the transaction menu screen is displayed on the operation display unit 11, and a desired transaction type is selected by customer operation. Here, the transfer transaction is selected on the operation display unit 11 (S101).

Next, the transfer transaction guidance screen is displayed on the operation display unit 11, and selection of whether the transfer method is card transfer or cash transfer, insertion of a card or the like, input of transfer destination information, and the like are performed (S107). When the transfer amount input screen is displayed on the operation display unit 11, the transfer amount is input by the customer (S108), the entered transfer amount is displayed on the operation display unit 11, and the "confirm" button is selected by the customer operation. , The transfer process is executed (S109).

At this time, the ATM 1 transmits a transfer inquiry request message including the input information regarding the transfer to the financial host server 2 (S110). For example, the transfer inquiry request message includes the transfer amount, the requester name, and the transfer destination information (financial institution name and financial institution number of the transfer destination, branch name and branch number, account number of the transfer destination, etc.).

The financial host server 2 confirms whether or not the transfer destination financial institution is another bank based on the transfer destination financial institution name and the financial institution number included in the acquired transfer inquiry request message (S122). Then, if the transfer destination financial institution is another bank, the processing shifts to S123 and the transfer period handled on the day of the other bank is confirmed. That is, the financial host server 2 makes a transfer inquiry to the other bank financial host server 3 of the transfer destination as to whether or not the transfer can be handled on the same day (S123). The financial institution host server 2 acquires the inquiry result from the other bank financial host server 3 and sends the inquiry result to the ATM 1 (S111). Then, the financial host server 2 returns a response telegram to the ATM 1 as to whether or not the same-day transfer to another bank is possible (S112).

In S401 of FIG. 14, the transfer transaction processing unit 30 confirms the transfer date of the transfer destination financial institution based on the response message from the financial host server 2 (S401). Then, if the transfer is possible on the day (S401), the transfer confirmation screen is not displayed (S402), and the transfer transaction is executed with the contents of the input transfer information (S127, S128).

In S401, when the transfer is handled on the next business day (S401), the transfer date confirmation screen is displayed on the operation display unit 11 (S403). When the "Confirm" button on the transfer date confirmation screen is pressed, the transfer transaction is executed with the contents of the input transfer information (S127, S128). That is, the transfer transaction cannot be continued unless the "confirmation" button indicating the customer's consent that the transfer date has been confirmed on the transfer date confirmation screen is pressed. Further, the transfer date selection screen has a "transaction cancellation" button, and when the "transaction cancellation" button is pressed, the transaction is canceled (S126).

In S401, when the transfer date of the transfer destination is unknown (S401), the transfer transaction processing unit 30 displays the transfer date warning screen on the operation display unit 11 (S404). The transfer date alert screen is a screen for alerting the customer on the transfer date. Then, when the "confirmation" button is pressed by the customer operation, the transfer transaction processing unit 30 executes a transfer transaction addressed to another bank based on the input transfer information, as in the existing transfer process. The transfer transaction ends (S127, S128). In addition, the transfer date warning screen has a "transaction cancellation" button, and when the "transaction cancellation" button is pressed, the transaction is canceled (S126).

(D-3) Effect of Fourth Embodiment As described above, according to the fourth embodiment, the same-day transfer, the next business day transfer, and the transfer according to the result of the transfer inquiry of the transfer destination from the financial host server. Depending on the unknown transfer, it is possible to call attention to the transfer date to the customer who is trying to transfer.

(E) Fifth Embodiment Next, a fifth embodiment of the trading apparatus, host server, financial system, and trading program according to the present invention will be described in detail with reference to the drawings.

(E-1) Configuration of Fifth Embodiment In the fifth embodiment, it is determined whether or not the transfer can be handled on the day of the bank at ATM1. Therefore, also in the fifth embodiment, the overall configuration of the trading system 5 of FIG. 1, the external configuration of the ATM1 of FIG. 2, and the internal configuration diagram of the ATM1 of FIG. 3 according to the first to fourth embodiments will be described. To do.

In the fifth embodiment, the processing of the transfer transaction processing unit 30 is different from that of the first embodiment. Therefore, in the fourth embodiment, a detailed description will be given focusing on the configuration of the transfer transaction processing unit 30.

The transfer transaction processing unit 30 of the fifth embodiment performs a transaction of transferring cash to the transfer destination with the acquired transfer contents, as in the first embodiment. Further, when the transfer transaction processing unit 30 obtains the result of the transfer inquiry from the financial host server 2, the transfer date of the transfer destination is treated as the same day transfer, the next business day transfer, the same day transfer, or the same day transfer. Determine if the transfer will be made on the next business day or not (that is, the transfer date is unknown). Depending on the determination result, the transfer transaction processing unit 30 displays a transfer date warning screen for confirming the transfer date.

Further, the transfer transaction processing unit 30 of the fifth embodiment displays a transfer date confirmation screen depending on whether or not the transfer time is before 15:00 of the conventional transfer time limit. In this embodiment, the case where the transfer transaction processing unit 30 determines whether or not it is a predetermined time, that is, 15:00 is illustrated. However, the predetermined time is the business closing time of the business office of the financial institution, and the transfer transaction processing unit 30 determines whether or not it is the business closing time, and determines whether or not the transfer is handled on the same day. You may try to do so.

(E-2) Operation of the Fifth Embodiment Next, the operation of the transfer transaction processing in the transaction system 5 according to the fifth embodiment will be described in detail with reference to the drawings.

13 and 15 are flowcharts showing the processing operation of the transfer transaction in the transaction system 5 according to the fifth embodiment.

FIG. 13 is the same process as that of the fourth embodiment, and detailed description thereof will be omitted here.

In S401 of FIG. 15, the transfer transaction processing unit 30 confirms the transfer date of the transfer destination financial institution based on the response message from the financial host server 2 (S401). Then, when the transfer is possible on the same day (S401), the transfer transaction processing unit 30 determines whether or not the transfer time is before 15:00. When the current time is before 15:00, the transfer transaction is executed according to the contents of the input transfer information without displaying the transfer date confirmation screen as in the conventional transfer transaction (S127, S128).

On the other hand, in S405, when the current time is past 15:00, the transfer transaction processing unit 30 displays the transfer confirmation screen on the operation display unit 11 (S406). This is to make the customer aware that the transfer can be handled on the same day even after 15:00, unlike the conventional case. Then, when the "confirmation" button is pressed on the transfer confirmation screen, the transfer transaction is executed with the contents of the input transfer information (S127, S128). On the other hand, when the "transaction cancellation" button is pressed, the transaction is canceled (S407).

Since the processing of S401, S403, and S404 is the same as that of the fourth embodiment, detailed description thereof will be omitted here.

(E-3) Effect of Fifth Embodiment As described above, according to the fifth embodiment, the same-day transfer, the next business day transfer, and the transfer according to the result of the transfer inquiry of the transfer destination from the financial host server. In response to unknown transfer, we will alert the customer who is trying to transfer the transfer date, and when handling the transfer on the day, when the conventional transfer time limit of 15:00 has passed, it will be treated on the day. It is possible to make the customer aware that the transfer can be made.

(F) Sixth Embodiment Next, a fifth embodiment of the trading apparatus, host server, financial system, and trading program according to the present invention will be described in detail with reference to the drawings.

(F-1) Configuration of the Sixth Embodiment In the sixth embodiment, it is determined whether or not the transfer can be handled on the day of the bank at ATM1. Therefore, also in the sixth embodiment, the overall configuration of the trading system 5 of FIG. 1, the external configuration of the ATM 1 of FIG. 2, and the internal configuration diagram of the ATM 1 of FIG. 3 according to the first to fifth embodiments will be described. To do.

In the sixth embodiment, the processing of the transfer transaction processing unit 30 is different from that of the first embodiment. Therefore, in the sixth embodiment, a detailed description will be given focusing on the configuration of the transfer transaction processing unit 30.

The transfer transaction processing unit 30 of the sixth embodiment performs a transaction of transferring cash to the transfer destination with the acquired transfer contents, as in the first embodiment. Further, when the transfer transaction processing unit 30 obtains the result of the transfer inquiry from the financial host server 2, the transfer date of the transfer destination is treated as the same day transfer, the next business day transfer, the same day transfer, or the same day transfer. Determine if the transfer will be made on the next business day or not (that is, the transfer date is unknown). Depending on the determination result, the transfer transaction processing unit 30 displays a transfer date warning screen for confirming the transfer date.

Further, the transfer transaction processing unit 30 of the sixth embodiment displays a transfer date confirmation screen depending on whether or not the transfer time is before 15:00 of the conventional transfer time limit.

(F-2) Operation of the Sixth Embodiment Next, the operation of the transfer transaction processing in the transaction system 5 according to the sixth embodiment will be described in detail with reference to the drawings.

13 and 16 are flowcharts showing the processing operation of the transfer transaction in the transaction system 5 according to the sixth embodiment.

In S401 of FIG. 16, the transfer transaction processing unit 30 confirms the transfer date of the transfer destination financial institution based on the response message from the financial host server 2 (S401). Then, when the transfer is possible on the same day (S401), the transfer transaction processing unit 30 determines whether or not the transfer time is before 15:00. When the current time is before 15:00, the transfer transaction is executed according to the contents of the input transfer information without displaying the transfer date confirmation screen as in the conventional transfer transaction (S127, S128).

On the other hand, in S405, when the current time is past 15:00, the transfer transaction processing unit 30 selects the transfer date as the current day, the next business day, or the transfer date to be specified. The screen is displayed on the operation display unit 11 (S408).

Further, the transfer date selection screen has a "transaction cancellation" button, and when the "transaction cancellation" button is pressed, the transaction is canceled (S407). On the other hand, when the "Handle on the same day" button and the "Handle on the next business day" button are pressed on the transfer date selection screen, the process shifts to S127. When the "Specify transfer date" button is pressed, a screen for specifying the transfer date is displayed, and the customer can specify the transfer date. Here, the transfer date may be treated as the same day by omitting the display of the transfer date selection screen in S116. This is because, in S113, the other bank of the transfer destination recognizes that the transfer transaction handled on the same day is possible. In this way, the transfer date selection screen is displayed on the same day, assuming that the customer who made the transfer at the ATM after 15:00 on the assumption that the payment will be made on the next business day, as in the past. Even so, it is possible to specify the transfer date, whether to transfer on the same day or the next business day.

Since the processing of S401, S403, and S404 is the same as that of the fourth embodiment, detailed description thereof will be omitted here.

(F-3) Effect of Sixth Embodiment As described above, according to the sixth embodiment, in addition to the effect of the first to fifth embodiments, payment is made on the next business day as before. Assuming that the customer has made the transfer at the ATM after 15:00, even if the transfer is possible on the same day, the transfer can be made on the same day, the next business day, or the transfer date can be specified.

(G) Seventh Embodiment Next, the seventh embodiment of the trading apparatus, the host server, the financial system, and the trading program according to the present invention will be described in detail with reference to the drawings.

In the seventh embodiment, the guidance screen is displayed before the start of the transaction (that is, before the ATM inquires the financial host server) in order to make the customer aware that the transfer date has changed.

Various methods can be considered as the guidance display method in which the ATM indicates to the operation display unit 11 that the transfer time has been changed before the start of the transaction, and examples are given below.

FIG. 17 is a screen view showing a guidance display on the transaction start screen. As shown in FIG. 17, on the transaction start screen displayed on the operation display unit 11 of the ATM 1, for example, guidance such as "Transfers after 15:00 are now paid to the transfer destination within the same day." The statement may be displayed. As a result, the customer standing in front of the ATM1 can be made aware of the change in the handling of the transfer transaction before the start of the transaction. The display position of the guidance text is not particularly limited, but in this example, it is displayed large on the left side of the screen. This makes it possible to make the customer aware of the guidance text.

FIG. 18 is a screen view showing a guidance display on the transaction menu selection screen. As shown in FIG. 18, the guidance text may be displayed on the transaction menu selection screen displayed on the operation display unit 11. In the case of this example, the case where the guidance text is displayed at the lower part of the screen of the transaction type selection button such as the "withdrawal" button and the "deposit" button is illustrated, but it is not limited to this. Instead, the guidance text may be displayed on the left side, right side, upper side, etc. of the screen.

19 to 21 are explanatory views for explaining the timing when the guidance display screen is displayed.

FIG. 19 illustrates a case where the guidance display screen is displayed after the transfer transaction is selected. In the case of this example, the guidance display screen is displayed after the customer selects the transfer transaction in the transaction selection menu. That is, on the transaction menu screen, the guidance display screen is displayed after the transfer transaction selection button is pressed (S101) and before the transfer method is selected (S501). As a result, it is possible to make the customer who intends to perform the transfer transaction aware of the changed contents of the handling of the transfer transaction.

FIG. 20 illustrates a case where the guidance display screen is displayed only when the transfer time is after 15:00. That is, when the transfer transaction button is selected on the transaction menu selection screen and the current time is after 15:00, which is the conventional transfer time limit (S502), the guidance display screen is displayed on the operation display unit 11. (S501). As a result, even if the time is different from the conventional transfer transaction, the customer can be made aware that the transaction is handled on the same day. When the current time is before 15:00, which is the conventional transfer time limit (S502), the guidance display screen is not displayed on the operation display unit 11, and the process proceeds to process 107-1.

FIG. 21 illustrates a case where the guidance display screen is displayed after the transfer destination information is input. In the case of this example, after the customer selects the transfer transaction (S101), after inputting the transfer method and the transfer destination information (S107-1, S107-2), and when the transfer destination is his / her own bank (S503), the guidance The display screen is displayed on the operation display unit 11 (S501). On the other hand, when the transfer destination is another bank (S503), the guidance display screen is not displayed on the operation display unit 11. As a result, the implementation of changes in the handling of transfer transactions differs for each financial institution, but if the bank changes the handling of transfer transactions, the customer can be made aware of the change in the handling of transfer transactions by the bank. it can.

19 to 21 are examples of display timing of the guidance display screen. Therefore, the guidance display screen is not limited to the display at the timing shown in FIGS. 19 to 21. For example, it may be displayed after inputting the transfer amount, or guidance may be displayed on the confirmation screen of the transfer information.

Further, in FIGS. 19 to 21, the guidance display after the change in the handling of the transfer transaction is shown. In order to make the customer aware of the handling of the transfer transaction in advance, for example, "from XX days to 15:00 or later". A guidance display screen such as "The transfer will be handled on the same day." May be displayed on the operation display unit 11.

(H) Other Embodiments Although various modified embodiments have been mentioned in the above-mentioned first to seventh embodiments, the present invention can also be applied to the following modified embodiments.

(H-1) In the first to seventh embodiments described above, the case where the trading device according to the present invention is an ATM has been illustrated. However, for example, an information processing terminal (for example, a personal computer) used by a customer in so-called Internet banking or the like in which a transfer transaction is performed using the Internet is also included in the transaction device according to the present invention. The transaction program according to the present invention also includes an application program that operates on a customer's information processing terminal in Internet banking.

(H-2) The "transfer date alert information" of each of the above-described embodiments is a screen for alerting the customer when the transfer date will be, and is a transfer date selection screen according to the first embodiment. , The transfer date confirmation screen, the transfer date warning screen and the transfer date confirmation screen according to the second and third embodiments are included in the concept.

Further, in each of the above-described embodiments, the "transfer date alert information" is displayed, but if the customer can be alerted to the transfer date, an output such as voice or sound may be accompanied. .. In addition, the entire or part of the "transfer date alert screen" of each of the above-described embodiments may be blinked, or may be displayed in red or the like to alert the user.

(H-3) In the above-described embodiment, the case where the host server of the financial institution of the own bank exchanges telegrams with the host server of the financial institution of another bank is illustrated. However, the financial host servers of the own bank and other banks may send and receive telegrams via, for example, the Zengin system operated by financial institutions nationwide.

(H-4) In the above-described embodiment, the case where the ATM determines whether or not to make the transfer to be handled on the same day based on the inquiry result to the financial institution host server is illustrated. However, the ATM itself has a clock function, and even if a predetermined time has passed, the transfer may be handled on the same day. In this case as well, the transfer transaction processing unit of the ATM may output various transfer date alert information that alerts the customer to the transfer date at a predetermined timing.

Here, the predetermined time can be the business end time of the financial institution or the conventional transfer end time of 15:00, and the transfer transaction processing department selects the transfer transaction after the above-mentioned time elapses. In that case, a predetermined transfer date warning screen may be output. Further, as in the seventh embodiment, in order to alert the customer of the transfer date, for example, a transaction selection screen for selecting a transaction, a transfer selection screen to be displayed when the transfer transaction is selected, and a transfer transaction are selected. The transfer date warning screen may be displayed at any of the display timings of the transfer transaction screen displayed after the transfer is made.

1 ... ATM, 2 ... Financial host server, 3 ... Other bank financial host server, 4-1 and 4-2 ... Communication line, 5 ... Transaction system, 11 ... Operation display unit, 21 ... Transaction control unit, 30 and 30A ... Transfer transaction processing unit, 23 ... storage unit, 231 ... transfer time zone information, 24 ... communication unit, 25 ... operation display control unit, 41 ... control unit, 43 ... storage unit, 431 ... transfer time zone information, 44 and 45 communications Department, 411 ... Telegram acquisition unit, 412 ... Other bank transfer time confirmation unit, 413 ... Telegram response unit.

Claims (15)

In a trading device that conducts transfer transactions
An input unit that accepts transfer information including the transfer destination entered by the customer,
The transfer transaction processing department that creates a transfer inquiry request message based on the above transfer information,
The transmitter that sends the above transfer inquiry request message to the host server,
It is equipped with a receiving unit that receives a transfer inquiry response message including transfer availability information indicating whether or not the transfer destination financial institution can handle the transfer on the same day from the host server.
The transfer transaction time is an extension time zone extended from the first time zone before the change of the financial institution of the transfer destination, and the above transfer availability information indicates that the transfer can be handled on the same day. When
The transfer transaction processing department creates a transfer execution message to be handled on the same day based on at least the transfer availability information included in the transfer inquiry response message.
A trading device characterized in that the transmission unit transmits the transfer execution telegram to the host server. The transaction device according to claim 1, wherein the transfer transaction time is the timing at which the customer selects the transfer transaction in the input unit. The transaction device according to claim 1 or 2, wherein the transfer transaction processing unit reflects the transfer availability information included in the transfer inquiry response message in the transfer execution message. The trading device according to any one of claims 1 to 3, wherein the financial institution to which the transfer is made is another bank. The trading apparatus according to any one of claims 1 to 4, wherein the host server is connected to the Zengin system. In the host server that connects to the trading device via the communication network
A receiver that receives the transfer inquiry request message created by the trading device based on the transfer information including the transfer destination, and
The telegram creation department that creates a transfer inquiry response message that includes at least the transfer availability information that indicates whether or not the transfer destination financial institution can handle the transfer on the same day.
It is equipped with a transmitter that sends the transfer inquiry response message to the trading device.
When the transfer transaction time is an extension time zone extended from the first time zone before the change of the financial institution of the transfer destination.
A host server characterized in that the message creation unit creates the transfer inquiry response message including the transfer availability information indicating that the transfer can be handled on the same day. The host server according to claim 6, wherein the financial institution to which the transfer is made is another bank. It is connected to the host server of another bank via the communication network.
The host server according to claim 7, wherein when the financial institution of the transfer destination is another bank, whether or not the transfer can be handled on the same day is confirmed by the host server of the other bank. The host server according to any one of claims 6 to 8, wherein telegrams are sent and received via the Zengin system. In the first host server connected to the trading device via the first communication network and the host server connected to the trading device via the second communication network.
When the financial institution of the transfer destination specified by the customer in the above transaction device is another bank, whether or not the transfer can be handled on the same day based on the transfer destination of the transfer inquiry message received via the first host server. Equipped with a judgment unit to determine
When the transfer transaction time is an extension time zone extended from the first time zone before the change of the financial institution of the transfer destination.
A host server characterized in that the above-mentioned determination unit determines that a transfer handled on the same day is possible. In a financial system that includes a trading device and a host server
The above trading device
An input unit that accepts transfer information including the transfer destination entered by the customer,
The transfer transaction processing department that creates a transfer inquiry request message based on the above transfer information,
A transmitter that sends the transfer inquiry request message to the host server,
It is equipped with a receiver that receives the transfer inquiry response message from the above host server via the communication network.
The above host server
It is equipped with a telegram creation department that creates the above-mentioned transfer inquiry response message including at least the transfer availability information indicating whether or not the transfer destination financial institution can handle the transfer on the same day.
When the transfer transaction time is an extension time zone extended from the first time zone before the change of the financial institution of the transfer destination.
The telegram creation unit creates the transfer inquiry response telegram including the transfer availability information indicating that the transfer can be handled on the same day, and sends it to the transaction device.
The transfer transaction processing department creates a transfer execution message to be handled on the same day based on at least the transfer availability information included in the transfer inquiry response message.
A financial system characterized in that the transmission unit transmits the transfer execution telegram to the host server. In a transaction program that conducts transfer transactions
Computer,
An input unit that accepts transfer information including the transfer destination entered by the customer,
The transfer transaction processing department that creates a transfer inquiry request message based on the above transfer information,
The transmitter that sends the above transfer inquiry request message to the host server,
It functions as a receiving unit that receives a transfer inquiry response message including transfer availability information indicating whether or not the transfer destination financial institution can handle the transfer on the same day from the above host server.
The transfer transaction time is an extension time zone extended from the first time zone before the change of the financial institution of the transfer destination, and the above transfer availability information indicates that the transfer can be handled on the same day. When
The transfer transaction processing department creates a transfer execution message to be handled on the same day based on at least the transfer availability information included in the transfer inquiry response message.
A transaction program characterized in that the transmission unit transmits the transfer execution message to the host server. In a trading device that conducts transfer transactions
A storage unit that stores transfer time zone information of financial institutions,
An input unit that accepts transfer information including the transfer destination entered by the customer,
With reference to the transfer time zone information of the above financial institution, the above financial institution is equipped with a transfer transaction processing department that confirms whether or not the transfer can be handled on the same day.
When the transfer transaction time is an extension time zone extended from the first time zone before the change of the financial institution of the transfer destination.
A transaction device characterized in that the transfer transaction processing department can make a same-day transfer to the financial institution of the transfer destination. Financial institution of the transfer destination, transaction apparatus according to claim 1 3, characterized in that the other banks. The trading device according to claim 13 or 14 , wherein the host server communicating with the trading device is connected to the Zengin system.

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