JP6929818B2 - Automatic trading system - Google Patents

Description

The present invention relates to an automatic trading system that collects overtime fees according to trading hours.

When a customer conducts a financial transaction using an automated teller machine (also called an ATM (Automatic Teller Machine)) installed in a branch of a financial institution such as a bank, the fee may be free or charged depending on the time. May become. For example, the fee is free during the daytime on weekdays, but is charged on weekends, public holidays, or even on weekdays during the nighttime. Specifically, the host computer connected to the automated teller machine refers to the commission table showing the commissions for each transaction time zone of each transaction type, displays the corresponding commission on the display unit of the automated teller machine, and uses it. Collect fees from the customer's account.

However, the presence or absence of fees and the amount of money are determined by the time of transaction with the automated teller machine, so if the automated teller machine is crowded, it will be lined up with the automated teller machine within the free time. However, overtime fees may be collected.

Therefore, the customer's visit time is recognized from the time and location information of the user's mobile phone, and if the visit time is the time before the overtime fee is incurred, the automatic teller machine and the customer can make a transaction. An automated teller machine has been proposed that makes the incurred overtime fees free (Patent Document 1).

Japanese Unexamined Patent Publication No. 2011-070454

Since the method of grasping the visit time from the mobile phone information handles the mobile phone information, which is important personal information, the financial institution needs to be careful about the use and handling of the information. There is also a problem that this service cannot be provided to customers who do not have a mobile phone. From these problems, it is desired to provide a system that can surely prevent the collection of overtime fees that are not the responsibility of the user due to congestion or trouble of the automatic teller machine.

In view of the above problems, an object of the present invention is to provide an automatic transaction system that prevents the generation of overtime fees due to congestion of the automatic transaction device and the like.

In order to achieve the above objectives, a reception machine that accepts a customer's visit with a card, an automated teller machine that transmits a transaction message from the transaction content operated by the user, and an automated teller machine transmitted from the automated teller machine. In an automated teller machine including a host machine that receives a transaction message and processes a transaction, the reception machine has a card reception unit that records the reception time on a card received from the user, and the automatic teller machine. Has a card processing unit that processes a card received from the user and reads the reception time from the card, and a transaction message creation unit that creates a transaction message including the reception time read from the card. The host machine has a fee calculation unit that calculates a fee related to the transaction based on the transaction time, and a transaction processing unit that collects the calculated fee from the user's account. An automated teller machine, characterized in that, when the transaction message includes a reception time, the reception time is used as the transaction time to calculate a fee related to the transaction.

According to the present invention, it is possible to provide an automatic transaction system that prevents the occurrence of overtime fees due to congestion of the automatic transaction device and the like.

It is a figure which shows the whole automatic transaction system of this invention. It is an external view which looked at the automatic teller machine from the front. It is a functional block diagram of the whole automatic transaction system. It is a hardware block diagram centering on the main control part of an automated teller machine. It is a hardware block diagram centering on the control part of a reception machine. It is a hardware block diagram centering on the control part of a host machine. It is a figure which shows the flow until a user uses an automatic teller machine in a bank by a conventional method. It is a figure which shows the flow until the user uses an automated teller machine in the bank to which this embodiment is applied. It is a sequence diagram which shows the flow of processing about the overtime fee at the time of transaction. This is an example of the data structure of the IC memory. This is an example of a receipt issued from the reception machine. This is an example of the data structure of the withdrawal request message sent from the automated teller machine. This is an example of the amount of overtime fees. It is a table which shows the example of the fee by this embodiment and the example of the fee by the conventional processing in comparison. This is another example of a receipt issued by a reception machine.

Hereinafter, embodiments of the present invention will be described with reference to the drawings. FIG. 1 is a diagram showing the entire automatic transaction system 1 of the present invention. The automatic transaction system 1 is a system that automatically performs transactions such as deposits and withdrawals by an operation from a user. The automatic transaction system 1 includes an automatic transaction device 100, a reception machine 200, and a host machine 300. The automated teller machine 100, the reception machine 200, and the host machine 300 are communicably connected via the network NW. The network NW is, for example, a LAN (Local Area Network). The reception machine 200 does not have to be connected to the automated teller machine 100 or the host machine 300 via a network. The automated teller machine 100 may also be referred to as "ATM" in drawings and the like.

The automated teller machine 100 is installed in a branch office of a financial institution, an unmanned store, a large commercial facility, or a convenience store. In the automatic transaction system 1, a plurality of automatic transaction devices 100 are connected to the reception machine 200 and the host machine 300 via the network NW. The automatic teller machine 100 communicates with the host machine 300 according to the operation instruction of the user to perform various transaction processes such as deposit, withdrawal, transfer, and bookkeeping.

The host machine 300 is also called a host computer. Based on the customer database, the host machine 300 determines and processes a request such as a transaction transmitted from the automatic teller machine 100, and transmits a response to the automatic teller machine 100.

The reception machine 200 is a device installed in a bank store or the like to provide various conveniences to customers who come to the store. Specifically, the reception machine 200 records the visit time on the card of the customer who visited the store. Cards are also called cash cards. As will be described later, in the automatic transaction system 1, the processing is performed so that the store visit time (also referred to as the reception time) recorded on the card by the reception machine 200 is regarded as the transaction time. As a result, even if the automated teller machine 100 is congested and the actual transaction time on the automated teller machine 100 becomes the time required for the overtime fee, the customer will be charged the overtime fee. Escape.

Further, the reception machine 200 issues a receipt indicating the order to the user who wishes to carry out the procedure at the counter. Further, the reception machine 200 may display the location (counter number) of the counter according to the type of transaction to the user.

FIG. 2 is an external view of the automated teller machine 100 as viewed from the front side (front right). The automatic teller machine 100 is provided with a passbook entrance / exit 102, a card entrance / exit 103, a coin entrance / exit 104, a bill entrance / exit 105, a touch panel 106, and the like.

The passbook entrance / exit 102 is an opening for a user to take in / out a passbook for transactions. The card entrance / exit 103 is an opening for a user to take in / out a transaction medium such as a card.

The coin entrance / exit 104 is a portion where coins to be deposited by the user are inserted and coins withdrawn from the inside are discharged. The bill entrance / exit 105 is a portion where the bills to be deposited by the user are inserted and the bills withdrawn from the automatic teller machine 100 are discharged. The touch panel 106 also serves as a display unit, displays a screen for guiding the operation procedure and information input by the user, and similarly detects the touch input of the user.

FIG. 3 is a functional block diagram of the entire automatic transaction system 1. The functional block diagram of FIG. 3 relates to a process of calculating and collecting a fee (hereinafter, also referred to as a usage fee, an overtime fee, or a fee) charged when using the automated teller machine 100.

The automated teller machine 100 includes a main control unit 110, an operation unit 120, a display unit 130, a card processing unit 140, a passbook processing unit 150, a bill processing unit 152, a coin processing unit 154, a camera unit 156, a timer 160, a communication unit 180, and the like. Has.

The main control unit 110 is a control unit that comprehensively controls the entire automatic teller machine 100. The main control unit 110 has a CPU (Central Processing Unit), and executes each process by software processing by the CPU that has read the control program. The hardware configuration of the main control unit 110 will be described later with reference to FIG.

Further, the main control unit 110 has a transaction telegram creation unit 112 that creates a transaction telegram. When the reception time by the reception machine 200 is recorded on the card, the transaction telegram creation unit 112 creates a transaction telegram including the reception time.

The operation unit 120 notifies the main control unit 110 of an input operation from the user. The display unit 130 displays a guide screen or a warning screen that guides the user to the operation procedure of the automatic teller machine 100, and also displays an input value from the user. The operation unit 120 and the display unit 130 are composed of a touch panel 106.

The card processing unit 140 reads the card (not shown), which conveys the card inserted into the card entrance / exit 103 from the user, and the MS (Magnetic stripe) of the card or the IC memory of the card. It has a recording / reproducing unit (not shown) for writing.

The passbook processing unit 150 prints the transaction details, a transport unit (not shown) for transporting the passbook inserted into the passbook entrance 102 from the user, a reading unit (not shown) for reading the MS data of the passbook, and a transaction content. It has a printing unit (not shown).

The banknote processing unit 152 internally conveys the banknotes inserted into the banknote entrance 105 from the user (not shown), a temporary holding unit (not shown) for temporarily storing the banknotes, and authenticity of the banknotes. It has a discriminating unit (not shown) for discriminating, a bill stacker (not shown) for storing bills by denomination, and the like.

The coin processing unit 154 has a transport unit (not shown) for transporting coins inserted into the coin inlet / outlet 104 from the user, a coin stacker (not shown) for storing coins by denomination, and the like.

The camera unit 156 captures the movement and face of the user. The timer 160 outputs the time. In the following, "time" shall be "year, month, day, hour and minute" unless otherwise specified. The communication unit 180 processes communication with an external device such as the host machine 300. The communication unit 180 performs a telegram transmission / reception process between the automatic teller machine 100 and the host machine 300.

The reception machine 200 includes a control unit 210, an operation unit 220, a display unit 230, a card reception unit 240, a printing unit 250, a timer 260, a communication unit 280, and the like.

The control unit 210 is a control unit that comprehensively controls the reception machine 200. The control unit 210 has a CPU and executes each process by software processing by the CPU that has read the control program. The hardware configuration of the control unit 210 will be described later with reference to FIG.

The operation unit 220 notifies the control unit 210 of the input operation of the user. The display unit 230 displays a guide screen for the user.

The card reception unit 240 carries the user's card inserted into the card entrance (not shown) from the user inside, and reads and writes to the MS of the card or the IC memory of the card. When the card is an IC card, the card reception unit 240 records in the IC memory the time read from the timer 260 as the visit time of the user. Further, in the case of an MS-only card, the card reception unit 240 records the time read from the timer 260 in the MS as the visit time of the user. The visit time is divided into the date and time, and the day of the week may be included. Hereinafter, the time read by the timer 260 of the reception machine 200 is referred to as a reception time.

The printing unit 250 prints the time read from the timer 260 on a receipt (described later in FIG. 11) and issues it to the user. When the user registers the order at the counter, the printing unit 250 prints the ticketing number on the receipt and issues it. The timer 260 outputs the time. The communication unit 280 performs data transmission / reception processing with the automatic teller machine 100.

The host machine 300 has a control unit 310, a transaction processing unit 320, a fee calculation unit 330, a customer database 340, a fee table 350, a timer 360, a communication unit 380, and the like. The control unit 310 is a control unit that collectively controls the host machine 300. The control unit 310 has a CPU and executes each process by software processing by the CPU that has read the control program. The hardware configuration of the control unit 310 will be described later with reference to FIG.

The transaction processing unit 320 processes the transaction according to the request message from the automatic teller machine 100. Transactions include withdrawals, deposits, transfers or bookkeeping. The transaction processing unit 320 determines whether or not the transaction is possible by referring to the customer database 340 from the transaction request message transmitted from the automatic teller machine 100. Then, the transaction processing unit 320 creates a response message according to the feasibility of the determined transaction.

The fee calculation unit 330 calculates the user's fee for the transaction. The fee calculation unit 330 refers to the fee table 350 and calculates the fee according to the transaction time. When the reception time is attached to the request message, the fee calculation unit 330 calculates the fee by using the reception time as the transaction time. If the reception time is not attached to the request message, the fee calculation unit 330 calculates the fee according to the actual transaction time. The actual transaction time is the time when the host machine 300 performs the transaction processing in response to the request message from the automatic teller machine 100. Details will be described later in FIG.

The customer database 340 stores an account ledger in which each information of the account is recorded, a transaction history in which the transaction history of each account is described, and the like. The timer 360 outputs the time.

The communication unit 380 processes communication with the automated teller machine 100. The communication unit 380 receives the request message transmitted from the automatic teller machine 100, and similarly transmits the response message or the like created by the transaction processing unit 320 to the automatic teller machine 100.

If the fee calculated by the fee calculation unit 330 is charged, the transaction processing unit 320 may notify the automatic teller machine 100 of the amount. The automated teller machine 100 displays a fee transmitted from the host machine 300. Then, when the automatic teller machine 100 receives the consent of the fee from the user, the transaction processing unit 320 performs the transaction instructed by the user and collects the calculated fee from the user's account. May be good.

FIG. 4 is a hardware block diagram centered on the main control unit 110 of the automated teller machine 100. The main control unit 110 is realized from a CPU 191, a RAM (Random Access Memory) 192, a ROM (Read Only memory) 193, a display control unit 194, an input / output IF (Interface) 195, a communication IF (Interface) 196, and the like.

The CPU 191 reads a control program from the ROM 193 and executes various control processes according to the read control program. The RAM 192 is a work area for temporarily storing a control program and various data. The RAM 192 is, for example, a DRAM (Dynamic Random Access Memory). The ROM 193 is a non-volatile storage unit that stores a control program, various data, and the like.

The display control unit 194 generates display data such as an operation guide and outputs it to the display unit 130. The input / output IF195 controls each unit of the operation unit 120 to the timer 160 and the input / output of data. The communication IF 196 includes a communication unit 180 and controls the transmission and reception of data with an external device. Each block such as CPU 191 and RAM 192 and ROM 193 is connected by a bus 197.

FIG. 5 is a hardware block diagram centered on the control unit 210 of the reception machine 200. The control unit 210 is realized from a CPU 291, a RAM 292, a ROM 293, a display control unit 294, an input / output IF 295, a communication IF 296, a bus 297, and the like.

Since each part of the CPU 291 and the RAM 292, the ROM 293, the display control unit 294, the input / output IF 295, and the communication IF 296 has the same functions as each part of the automated teller machine 100 described with reference to FIG. 4, the description thereof will be omitted. An operation unit 220, a card reception unit 240, a printing unit 250, and a timer 260 are connected to the input / output IF 295.

FIG. 6 is a hardware block diagram centered on the control unit 310 of the host machine 300. The control unit 310 is realized from a CPU 391, a RAM 392, a ROM 393, an input / output IF 395, a communication IF 396, a bus 397, and the like. Since each part of the CPU 391, RAM 392, ROM 393, input / output IF 395, communication IF 396, and bus 397 has the same function as each part of the automated teller machine 100 described with reference to FIG. 4, the description thereof will be omitted. A timer 360 and an HDD (Hard Disk Drive) 398 are connected to the input / output IF 395. The customer database 340 and the fee table 350 are stored in the HDD 398.

Next, when the automated teller machine 100 is congested, the flow until the customer uses the automated teller machine 100 will be described. FIG. 7 is a diagram showing a flow until a customer uses the automated teller machine 100 in a bank by a conventional method. FIG. 8 is a diagram showing a flow until a user uses the automated teller machine 100 in a bank to which the present embodiment is applied.

As shown in FIG. 7, when the automated teller machine 100 is conventionally congested, the customers are lined up in order in front of the automated teller machine 100 according to a line or the like displayed on the floor or the like in the store. board. On the other hand, when the present embodiment is applied, as shown in FIG. 8, when a customer visits a store, he / she inserts a card into the reception machine 200 to complete the reception, and then lines up at the automated teller machine 100. .. In the host machine 300, the overtime fee is determined based on the reception time recorded by the reception machine 200. Therefore, the overtime fee may be collected or increased due to the congestion of the automated teller machine 100. , Avoided. The details of this process will be described below.

FIG. 9 is a sequence diagram showing a processing flow regarding overtime fees at the time of transaction. In the following example, the transaction type is withdrawal and the card is an IC card.

First, a customer who visits a bank store or the like inserts a card into the reception machine 200 (step S10). The reception machine 200 records the reception time on the inserted card (step S100). That is, the card reception unit 240 records the time of the timer 260 as the reception time in the IC memory of the IC card. FIG. 10 is an example of the data structure of the IC memory. The reception time (2017/01/26 17:50) is recorded in the IC memory along with the bank code, branch number and account number. Even when the reception time is recorded in the MS of the card, the reception time is recorded in a part of the MS data.

At the same time, the printing unit 250 issues a receipt on which the reception time is printed (step S102). FIG. 11 is an example of the receipt R1 issued from the reception machine 200. The reception time a is printed on the receipt R1. The receipt will be issued to the customer to confirm the reception time. The printed receipt information may be printed with at least a part of a bank code, a branch code, an account number or an account name, and a part of the number or a part of the name may be referred to as "**". May be hidden. Further, a time limit for accepting transactions (eg, within 60 minutes after acceptance, until 18:50, etc.) may be set and the time limit may be printed. The reception machine 200 returns the card to the user (step S104).

It is assumed that the customers line up in a line waiting for the automated teller machine 100, and it is their turn to start a transaction with the automated teller machine 100. The customer starts the transaction and inserts the card (step S12). The user inputs the personal identification number on the touch panel 106 according to the display of the automatic teller machine 100 (step S14). The automatic teller machine 100 communicates with the host machine 300 to authenticate the personal identification number. After the authentication of the personal identification number is completed, the user inputs the withdrawal amount on the touch panel 106 according to the display of the automatic teller machine 100 (step S16).

The automated teller machine 100 reads the reception time from the inserted card (step S200). The main control unit 110 of the automated teller machine 100 creates a withdrawal request message including the reception time as a transaction message and transmits it to the host machine (step S202). After transmitting the withdrawal request message, the automated teller machine 100 erases the reception time in the card (step S204). This is to prevent it from being used multiple times.

FIG. 12 is an example of the data structure of the withdrawal request message transmitted from the automated teller machine 100. In addition to the conventional items, the withdrawal request message includes the presence / absence of reception and the reception time. The ATM transaction date and time of the withdrawal request telegram is the time when the transaction is processed by the automatic transaction device 100 and is the time of the timer 160.

Whether or not the withdrawal request telegram is accepted is an item indicating whether or not the card has been accepted by the reception machine 200. Whether or not there is a reception is recorded as having a reception if the reception time is recorded on the card. The reception time of the withdrawal request telegram is the reception time recorded on the card as described above.

The host machine 300 receives the withdrawal request message transmitted from the automatic teller machine 100. The transaction processing unit 320 refers to the withdrawal request telegram and determines whether or not the transaction is accepted (step S300). When the transaction processing unit 320 determines that there is no reception (No in step S300), the transaction processing unit 320 calculates the fee calculated by the fee calculation unit 330 according to the actual transaction time as usual (step S306). As described above, the actual transaction time is the time when the host machine 300 performs the transaction processing in response to the request message from the automatic teller machine 100.

The fee calculation unit 330 reads the time when the transaction processing is performed by the host machine 300 from the timer 360, and calculates the fee from the fee table 350 based on the read time.

FIG. 13 is an example of the amount of the overtime fee according to the transaction time. The contents shown in FIG. 13 are shown in the fee table 350. Overtime fees are divided into "Monday to Friday" and "Saturday, Sunday". Taking "Monday to Friday" as an example, the fees for deposits, withdrawals, and transfers are 216 yen from 0:00 to 8:00, 108 yen from 8:00 to 8:45, and 8:45 to 18:00. It is set at 0 yen, 108 yen from 18:00 to 23:00, and 216 yen from 23:00 to 24:00. According to the example of FIG. 13, if there is no reception and the actual transaction time is 18:05, the fee calculation unit 330 calculates the fee as 108 yen.

When the transaction processing unit 320 determines that there is reception (Yes in step S300), it determines whether the difference between the actual transaction time and the reception time is within a predetermined time (step S302). The predetermined time is, for example, one hour. If the difference between the actual transaction time and the reception time is larger than necessary, it is highly possible that the cause of the delay is not the congestion of the automated teller machine 100, that is, the personal convenience of the user. be.

When the transaction processing unit 320 determines that the difference between the actual transaction time and the reception time is not within the predetermined time (No in step S302), the transaction processing unit 320 proceeds to step S306 and calculates a normal fee according to the actual transaction time. ..

When the transaction processing unit 320 determines that the difference between the actual transaction time and the reception time is within a predetermined time (Yes in step S302), the fee calculation unit 330 calculates the fee based on the reception time (step S304). That is, even if the actual transaction time is 18:15, if the reception time is 17:50, the fee calculation unit 330 sets the fee for deposit, withdrawal, and transfer to 0 yen.

After step S304 or step S306, the transaction processing unit 320 refers to the customer account in the customer database 340, and when collecting a fee, confirms the balance including the fee (step S308) and withdraws. Determine if it is possible. After determining whether or not to withdraw money, the transaction processing unit 320 transmits the corresponding response message to the automated teller machine 100. In this example, it is assumed that withdrawal is possible.

The transaction processing unit 320 transmits a response message of withdrawal permission (step S310). In addition, the transaction processing unit 320 causes the automatic teller machine 100 to display that a fee will be charged when an overtime fee is incurred, and permits withdrawal when the user gives an acceptance instruction. You may do it.

Upon receiving the withdrawal permission response message, the automated teller machine 100 returns the card and releases the cash (step S206). The automatic teller machine 100 confirms that the customer has taken out the card and cash, and completes the transaction process.

FIG. 14 is a table showing an example of the fee due to the processing of the present embodiment and an example of the fee due to the conventional processing in comparison with each other. The upper table of FIG. 14 is an example of a conventional fee, and the lower table is an example of a fee according to the present embodiment.

Conventionally, as shown in the usage time 2 of the conventional processing, even if the customer visits the store before 18:00, the overtime fee is collected when the actual transaction time is after 18:00. On the other hand, according to the processing of the present embodiment, as shown in the usage time 2 and the usage time 3, the user visits the store before 18:00 and records the reception time on the card with the reception machine 200. By doing so, even if the actual transaction time is after 18:00, the collection of overtime fees can be avoided.

In the above description, it has been described that the reception time is confirmed by recording the reception time on the card with the reception machine 200. However, confirmation of reception time is also possible by methods other than recording on the card.

FIG. 15 is a diagram illustrating two examples of methods other than recording the reception time on the card. The first method is an example of a password method. Receipt R2 is a password-based receipt. When the card is inserted by the user, the reception machine 200 issues a receipt printed with the unique password b together with the reception time a. Then, the reception machine 200 stores the password and the reception time in correspondence with each other.

The user inputs the password of the receipt into the operation unit 120 of the automatic teller machine 100 at the start of the transaction. The automated teller machine 100 communicates with the reception machine 200 and receives the reception time corresponding to the password from the reception machine 200. The automatic teller machine 100 generates a withdrawal request message by storing the reception time received from the reception machine 200, assuming that there is a reception or not in the data structure of the withdrawal request message of FIG. The automatic teller machine 100 transmits the generated withdrawal request message to the host machine 300. After that, the host machine 300 performs the same processing as described with reference to FIG. As a result, customers who come to the store and accept it at a time when no fee is charged will not be charged an overtime fee even if they make a transaction during the time when the fee is charged.

The second method is an example of the QR code (registered trademark) method. The receipt R3 is a QR code type receipt. When the card is input by the user, the reception machine 200 issues a receipt printed with a QR code c that encodes the reception time together with the reception time a.

The customer holds the QR code c of the receipt over the camera unit 156 of the automated teller machine 100 at the start of the transaction. The automated teller machine 100 captures the QR code c, decodes it, and reads out the reception time. As a result, the automated teller machine 100 acquires the reception time. Since the following is the same as the password method, the description thereof will be omitted.

As described above, according to the automatic transaction system 1 of the present embodiment, it is possible to prevent the overtime fee from being collected from the customer who comes to the store at a time when no fee is charged.

In addition, since the difference between the reception time and the actual transaction time is limited, if the actual transaction is delayed due to the personal circumstances of the user, a normal fee will be collected. As a result, it is possible to prevent unfairness among users.

In addition, since the reception time is deleted from the card at the end of transaction processing, it is possible to prevent multiple uses. As a result, it is possible to prevent unfairness among users.

Further, the fee calculation unit 330 explained that when there is no reception time, the time when the transaction is processed by the host machine 300 is set as the actual transaction time, but the ATM date and time of the withdrawal request message is used as the actual transaction time. You may.

The present invention is not limited to the above-described embodiment as it is, and the components can be modified and embodied within a range that does not deviate from the gist at the implementation stage. In addition, various inventions can be formed by an appropriate combination of the plurality of components disclosed in the above-described embodiment. For example, all the components shown in the embodiments may be combined as appropriate. In addition, components across different embodiments may be combined as appropriate. It goes without saying that various modifications and applications can be made without departing from the spirit of the invention.

1 Automatic teller system 100 Automatic teller machine 110 Main control unit 112 Transaction message generation unit 120 Operation unit 130 Display unit 140 Card processing unit 150 Passbook processing unit 152 Banknote processing unit 154 Coin processing unit 156 Camera unit 160 Timer 180 Communication unit 191 and 291 , 391 CPU
192, 292, 392 RAM
193, 293, 393 ROM
194, 294 Display control unit 195, 295, 395 Input / output IF
196, 296, 396 communication IF
197, 297, 397 Bus 200 Reception machine 210 Control unit 220 Operation unit 230 Display unit 240 Card reception unit 250 Printing unit 260 Timer 280 Communication unit 300 Host machine 310 Control unit 320 Transaction processing unit 330 Fee calculation unit 340 Customer database 350 Fee table 360 Timer 380 Communication unit 398 HDD

Claims (6)

A reception machine that accepts customers' visits with a card, an automated teller machine that sends a transaction message from the transaction details operated by the user to perform a transaction, and a transaction message sent from the automated teller machine to receive a transaction and make a transaction. In an automated teller machine, including a host machine to process
The reception machine has a card reception unit that records the reception time on the card received from the user.
The automated teller machine
A card processing unit that processes the card received from the user and reads the reception time from the card.
It has a transaction telegram creation unit that creates a transaction telegram including the reception time read from the card, and has.
The host machine is
A fee calculation unit that calculates fees related to the transaction based on the transaction time,
It has a transaction processing department that collects the calculated fee from the customer's account, and has.
When the transaction message includes a reception time, the fee calculation unit calculates a fee related to the transaction by using the reception time as the transaction time. When the transaction message does not include the reception time, the fee calculation unit sets the actual transaction time that the customer has traded with the automated teller machine as the transaction time, and sets the fee for the transaction as the transaction time. The automatic transaction system according to claim 1, wherein the calculation is performed. The fee calculation unit is characterized in that when the difference between the reception time and the actual transaction time is within a predetermined time, the fee calculation unit calculates the fee for the transaction by using the reception time as the transaction time. The automatic trading system described in 2. The automatic transaction system according to claim 1, wherein the card processing unit of the automatic transaction device erases the reception time recorded on the card and returns the card to the user. The automatic transaction system according to claim 1, wherein the card reception unit of the reception machine records the reception time in at least one of the IC memory or the magnetic stripe of the card. A reception machine that accepts customers' visits with a card, an automated teller machine that sends a transaction message from the transaction details operated by the user to perform a transaction, and a transaction message sent from the automated teller machine to receive a transaction and make a transaction. In the fee collection method in the automated teller machine, including the host machine to process
The reception machine records the reception time on the card received from the user,
The automated teller machine
Process the card received from the customer and
Read the reception time from the card,
Create a transaction telegram that includes the reception time,
Send the created transaction telegram to the host machine and
The host machine
Calculate the commission related to the transaction based on the transaction time
A fee collection method in an automatic transaction system, wherein a fee for the transaction is calculated with the reception time as the transaction time.

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