JP7280022B2 - Automated transaction machines and transaction processing programs - Google Patents

Description

The present invention relates to an automatic transaction device and a transaction processing program.

2. Description of the Related Art Conventionally, automatic teller machines such as ATMs (Automatic Teller Machines) widely used in banks and the like are known. Such an automatic transaction device is equipped with a coin processing unit (coin unit) and a banknote processing unit (banknote unit), thereby enabling transactions using money such as coins and banknotes.

The coin processing unit and the banknote processing unit have a unit structure having a temporary holding unit that temporarily holds the currency being traded and a final holding unit that conveys and finally holds the currency held in the temporary holding unit. It has become. The ATM accepts the next transaction after confirming that the money held in the temporary holding section has been held in the final holding section. Techniques for automated teller machines equipped with such coin processing units and banknote processing units have been proposed (see Patent Document 1, for example).

JP-A-4-43489

However, when a large amount of money is inserted in a deposit transaction or the like, due to the physical structure of the coin processing unit and bill processing unit, the inserted coins are transported from the temporary holding unit and stored in the final holding unit. It takes a long time to process. Therefore, acceptance of the next transaction had to be temporarily stopped until all the coins were held in the final holding section. As a result, the time until the next transaction starts is extended, making the next customer wait.

SUMMARY OF THE INVENTION In view of the above problems, an object of the present invention is to provide a technique for shortening the waiting time until the next transaction after money is inserted.

According to one aspect of the present invention, in an automatic transaction device that performs a predetermined transaction based on a user's operation, a transaction accepting unit that accepts the transaction based on the user's operation, and a money deposit by the transaction accepting unit A money temporary storage unit that temporarily stores inserted money when a transaction is received, and a money storage unit that transports the money stored in the money temporary storage unit to a money storage unit after the transaction is completed. a money post-processing unit that performs processing, wherein the transaction receiving unit, after the end of the previous transaction, at the start of the next transaction of the transaction, if the post-money processing is executed, If transactions involving deposits and transactions involving withdrawals are not accepted , other transactions are accepted , and the post-money processing is not executed at the start of the next transaction after the end of the previous transaction, It is characterized in that it accepts all transactions including transactions involving deposits of money and transactions involving withdrawals of money .

Further, according to one aspect of the present invention, there is provided a transaction processing program to be executed by an automatic transaction device that performs a predetermined transaction based on a user's operation, the processing for accepting the transaction based on the user's operation, money When a transaction accompanied by a deposit is accepted, the inserted money is temporarily stored in the money temporary storage unit, and after the transaction is completed, the money stored in the money temporary storage unit is transferred to the money storage unit. After the end of the previous transaction, at the start of the next transaction after the previous transaction, if the money post-processing is executed, the transaction accompanied by the deposit of the money and the withdrawal are performed. If the post-money processing is not executed at the start of the next transaction after the end of the previous transaction, the transaction that accompanies the deposit of the money processing for accepting all transactions including transactions involving withdrawal .

ADVANTAGE OF THE INVENTION According to one aspect of the present invention, it is possible to shorten the waiting time until the next transaction after money is inserted.

It is the external view which looked at ATM which concerns on this embodiment from the front. It is a block diagram which shows an example of the hardware constitutions of ATM. 3 is a block diagram showing an example of a hardware configuration of a host server; FIG. It is a figure showing an example of functional composition of ATM concerning this embodiment. It is a figure which shows an example of the definition of the information stored in the memory|storage part of ATM. FIG. 10 is a flowchart (part 1) showing a first example of transaction processing; FIG. FIG. 11 is a flowchart (part 2) showing a first example of transaction processing; FIG. 3 is a flowchart (part 3) showing a first example of transaction processing; It is a flowchart which shows an example of a coin all-time regulation flag setting process. It is a flow chart which shows an example of coin handling judging processing. It is a figure which shows the example of a customer waiting screen. It is a figure which shows the example of a withdrawal amount input screen. FIG. 11 is a flowchart (part 1) showing a second example of transaction processing; FIG. FIG. 11 is a flowchart (part 2) showing a second example of transaction processing; FIG. FIG. 13 is a flowchart (part 3) showing a second example of transaction processing; FIG. It is a figure which shows the example of a cash injection screen. FIG. 11 is a flowchart (part 1) showing a third example of transaction processing; FIG. FIG. 11 is a flowchart (part 2) showing a third example of transaction processing; FIG. FIG. 11 is a flowchart (part 3) showing a third example of transaction processing; FIG. FIG. 13 is a flowchart (part 4) showing a third example of transaction processing; FIG. It is a figure which shows the example of a payment selection screen. It is a figure which shows the example of a payment method selection screen. It is a figure which shows the example of the screen displayed at the time of the completion|finish of transaction.

Embodiments of the present invention will be described in detail below with reference to the drawings. FIG. 1 is an external view of the ATM according to the present embodiment as viewed from the front. ATMs 1 are used by customers to deposit, withdraw, or transfer cash, and are installed not only in financial institutions but also in various places such as train stations and shopping centers.

The ATM 1 is a device that uses an existing bankbook, cash card, credit card, or other card to perform various transactions such as deposit, withdrawal, transfer, and balance inquiry. This ATM1 is also called an automatic teller machine. In addition, ATM1 is an example of an automatic transaction apparatus. In the following explanation, an ATM will be used as a representative of the automated teller machine.

A card used in the ATM 1 is, for example, a bank card that stores information related to a customer's bank account in a magnetic stripe, IC chip, or the like. Recorded data stored in the bank card includes bank code, branch number, account number, account number, and the like.

On the right side of the upper part of the ATM 1, there is provided a card inlet/outlet 4 for inserting a card at the time of transaction using the card and ejecting the card and a receipt after the transaction is completed. On the left side of the card inlet/outlet 4, a passbook inlet/outlet 5 is provided for inserting a passbook at the time of transaction using the passbook and ejecting the passbook after the transaction is completed. The card inlet/outlet 4 and the passbook inlet/outlet 5 are collectively called a medium inlet/outlet. Cards include magnetic cards and IC cards. Cards, receipts, passbooks, and cash are collectively referred to as media.

Below the card inlet/outlet 4 of the ATM 1, a banknote inlet/outlet 6 for inserting and removing bills is provided. A coin inlet/outlet 7 is provided below the passbook inlet/outlet 5 of the ATM 1 for inserting and removing coins. The banknote inlet/outlet 6 and the coin inlet/outlet 7 are each provided with a shutter (not shown), and the shutter is opened at the timing of deposit or withdrawal.

At the center of the ATM 1, a slant portion protruding forward at a gentle angle is formed. The display unit 14 appropriately displays an operation screen, a display screen, a menu screen, a guide screen for instructing operations, or the like.

FIG. 2 is a block diagram showing an example of the hardware configuration of ATM. The ATM 1 has an ATM control unit 10, a storage unit 12, a display unit 14, an input unit 16, a passbook processing unit 18, a card processing unit 20, a bill processing unit 22, a coin processing unit 24, a receipt issuing unit 26, and a communication unit 28. . Also, the ATM 1 may have other hardware configurations not shown in FIG.

The ATM control unit 10 controls the entire ATM 1, and has a CPU (Central Processing Unit) (not shown) that reads a program and executes control processing. The storage unit 12 includes RAM (Random Access Memory), ROM (Read Only Memory), HDD (Hard Disk Drive), and the like. The storage unit 12 stores programs executed by the ATM control unit 10, display screen data, and other various data. The storage unit 12 also provides a work area for the ATM control unit 10 to execute programs.

The display unit 14 is, for example, an LCD (Liquid Crystal Display), and displays an operation screen, a display screen, a menu screen, a guide screen for operation instructions, or the like to the customer according to instructions from the ATM control unit 10 . The input unit 16 is a touch panel integrated with the display unit 14 as described above, and the customer inputs the selection of transaction type, transfer destination, transfer source, transfer amount, personal identification number, deposit/withdrawal amount, and the like. , the input information is notified to the ATM control unit 10 .

The passbook processing unit 18 includes a passbook transport path for transporting the passbook inserted in the passbook inlet/outlet 5, a printing unit for printing transaction details on the passbook, and an MS for reading and writing the data of the magnetic stripe attached to the passbook. It has a recording/playback section. The passbook processing unit 18 has a passbook sensor for detecting a passbook at the passbook inlet/outlet 5. The passbook processing unit 18 detects insertion of a passbook or removal of a discharged passbook by the passbook sensor. to notify.

The card processing unit 20 includes a card transport path for transporting a card inserted into the card inlet/outlet 4 and discharging the card to the card inlet/outlet 4, and a magnetic stripe attached to the magnetic card. It has an MS recording/reproducing unit for reading and writing, and a memory recording/reproducing unit for reading from and writing to the memory of the IC card. The card processing unit 20 has a card sensor for detecting a card at the card entrance/exit 4, and the card processing unit 20 detects insertion of a card and removal of an ejected card by the card sensor, and notifies the ATM control unit 10 of this. .

The banknote processing unit 22 includes a banknote deposit/withdrawal mechanism, a banknote identification mechanism, and a banknote storage mechanism (not shown). The banknote deposit/withdrawal mechanism is a mechanism for depositing banknotes inserted by a user through a deposit/withdrawal port or for dispensing banknotes to the user from the deposit/withdrawal port. In this embodiment, the deposit port and the withdrawal port are a common port, but the present invention is not limited to this, and separate ports may be provided. The bill identification mechanism is a mechanism for identifying the authenticity and denomination of deposited and withdrawn bills. The banknote storage mechanism further includes a banknote stacker, a banknote cassette, a banknote reject cassette, and the like (not shown).

The banknote stacker is a storage unit fixed to the banknote storage mechanism, and is a banknote temporary holding unit that temporarily stores banknotes for deposit and withdrawal. The banknote cassette is a banknote storage unit used in banknote post-processing in which banknotes temporarily stored in the banknote stacker are transported to the banknote cassette and collected after the end of the transaction. The banknote reject cassette stores banknotes that are not suitable for recirculation.

The banknote processing unit 22 has a banknote sensor that detects banknotes transported from the banknote stacker to the banknote cassette. Notify Department 10.

The coin processing unit 24 includes a coin deposit/withdrawal mechanism, a coin identification mechanism, and a coin storage mechanism (not shown). The coin deposit/withdrawal mechanism is a mechanism for depositing coins inserted by the user through the deposit/withdrawal port, or for dispensing coins to the user from the deposit/withdrawal port. In this embodiment, the deposit port and the withdrawal port are a common port, but the present invention is not limited to this, and individual ports may be provided. The coin identification mechanism is a mechanism for identifying the authenticity and denomination of deposited and withdrawn coins. The coin storage mechanism further includes a coin stacker, coin cassette, coin reject cassette, etc. (not shown).

The coin stacker is a storage unit fixed to the coin storage mechanism, and is a coin temporary storage unit that temporarily stores coins for deposit and withdrawal. The coin cassette is a cassette used for post-coin processing in which coins temporarily stored in the coin stacker are transported to the coin cassette and collected after the end of the transaction, and is a coin storage unit. The coin reject cassette stores coins that are not suitable for recirculation.

The coin processing unit 24 has a coin sensor for detecting coins conveyed from the coin stacker to the coin cassette, and the coin processing unit 24 detects coins conveyed from the coin stacker to the coin cassette by the coin sensor and performs ATM control. Notify Department 10. The banknote stacker and the coin stacker are collectively called a "money stacker". The money stacker functions as a part of the money temporary storage unit, which will be described later. Also, the banknote cassette and the coin cassette are collectively called a “money cassette (money storage unit)”.

The receipt issuing unit 26 has a receipt printing mechanism and a receipt transporting mechanism, and has a function of ejecting a receipt medium on which details of a transaction made by the customer are printed from a receipt outlet and issuing the receipt to the customer. The communication unit 28 exchanges data (telegrams) between the ATM 1 and the host server 2 through the network N. FIG.

When a customer performs a payment operation (withdrawal) from the ATM 1, the ATM 1 transmits an instruction from the customer to the host server 2 as a payment transaction message or the like. The host server 2 refers to the ledger in which the customer's account balance and the like are recorded to determine whether the payment is permitted or not. At the same time, the host server 2 updates the ledger to deduct the payment amount from the customer's account. When the ATM 1 receives the payment authorization message from the host server 2, the ATM 1 dispenses a predetermined amount of money. On the other hand, the host server 2 transmits a payment impossibility message to the ATM 1 when the payment cannot be permitted.

The host server 2 is a server device that executes processing related to various bank transactions. For example, when the host server 2 receives a transaction-related processing request from the ATM 1, the host server 2 performs processing corresponding to the transaction, such as deposit, withdrawal, transfer, Execute transfers, balance inquiries, etc.

FIG. 3 is a block diagram illustrating an example of a hardware configuration of a host server; As shown in FIG. 3 , the host server 2 has a host server control section 30 , a storage section 32 , a display section 34 , an input section 36 and a communication section 38 . The host server 2 may also have other hardware configurations not shown in FIG. Although one ATM is illustrated in FIG. 3, the number of ATMs is not limited to this and may be plural.

The host server control unit 30 is a CPU or the like, and controls the overall operation of the host server 2 by deploying programs stored in the ROM, HDD, etc. of the storage unit 32 in the RAM of the storage unit 32 and sequentially executing them. . The storage unit 32 is a RAM, ROM, HDD, or the like, and stores programs executed by the host server control unit 30, various setting information, and the like.

The display unit 34 is, for example, a display such as an LCD, and displays various information on the screen under the control of the host server control unit 30 . The input unit 36 is, for example, an input interface such as a keyboard and a mouse, and receives operation input from the operator of the host server 2 . The communication unit 38 communicates with the ATM 1 through the network N under the control of the host server control unit 30 . The host server 2 transmits and receives data to and from the ATM 1 by performing communication using the communication unit 38 .

Next, the functional configuration of the ATM 1 according to this embodiment will be described. FIG. 4 is a diagram showing an example of the functional configuration of the ATM according to this embodiment.

The ATM control unit 10 of the ATM 1 has at least a transaction accepting unit 51, a money temporary holding unit 52, a money post-processing unit 53, and a display control unit . The storage unit 12 of the ATM 1 has at least a coin handling setting 61 and a coin all-time regulation flag 62 . ATM1 may have other functional configurations not shown in FIG.

The transaction accepting unit 51 accepts transactions based on the operation of the input unit 16 of the ATM 1 user.
When the transaction accepting unit 51 accepts a transaction involving deposit of coins, the money temporary holding unit 52 temporarily stores the inserted coins in the coin stacker. In addition, when the transaction accepting unit 51 accepts a transaction involving the deposit of banknotes, the money temporary holding unit 52 temporarily stores the inserted banknotes in the banknote stacker.

The money post-processing unit 53 performs coin post-processing to transport the coins stored in the coin stacker to the coin cassette after the end of the transaction. Further, the money post-processing unit 53 may perform a banknote post-processing to transport the banknotes stored in the banknote stacker to the banknote cassette after the end of the transaction.

The transaction accepting unit 51 accepts only transactions other than transactions involving coin deposits or withdrawals when coin post-processing is being executed at the start of the next transaction after the end of the previous transaction. Note that the transaction accepting unit 51 may accept only transactions other than transactions involving deposits or withdrawals of banknotes when banknote post-processing is being executed at the start of the next transaction after the end of the previous transaction. good.

The display control unit 54 displays on the display unit 14 a display screen regarding transactions including a notification to the user. In addition, when the coin post-processing is being executed at the start of the next transaction, the display control unit 54 displays a message notifying that only transactions other than those involving coin deposits or withdrawals will be accepted. display on the screen. A display example of the display screen by the display control unit 54 will be described later.

Next, the information of the coin handling setting 61 and the coin all-time regulation flag 62 stored in the storage unit 12 will be described. FIG. 5 is a diagram showing an example of the definition of information stored in the memory of the ATM.

FIG. 5A is a diagram showing an example of the definition of the coin handling settings 61. As shown in FIG. The coin handling setting 61 is information for setting whether or not to accept transactions involving coin deposits or withdrawals, and includes three kinds of information "0", "1", and "2". As for the coin handling setting 61, one of three types of information is set by the administrator of the ATM1.

When the coin handling setting 61 is set to "0", the transaction accepting unit 51 does not accept the next transaction until the coin post-processing is completed if the coin post-processing is executed at the end of the transaction. wait for

When the coin handling setting 61 is set to "1", the transaction receiving unit 51 sets the state of post-coin processing during the next transaction if the post-coin processing is being executed at the start of the next transaction. Do not check and only accept transactions other than transactions involving deposits or withdrawals of coins from beginning to end.

When the coin handling setting 61 is set to "2", the transaction receiving unit 51, if the coin post-processing is executed at the start of the next transaction, at a predetermined timing after the start of the next transaction , the status of coin post-processing is checked again, and if coin post-processing is still being executed, only transactions other than those involving deposits or withdrawals of coins will be accepted. Accept transactions, including transactions involving deposits or withdrawals of coins.

FIG. 5B is a diagram showing an example of the definition of the coin all-time regulation flag 62. As shown in FIG. The coin end-to-end regulation flag 62 is information indicating whether or not a transaction involving depositing or withdrawing of coins is accepted, and includes two types of information "0" and "1". The coin all-time regulation flag 62 is initialized to 0 at the end of the transaction.

When the coin end-to-end regulation flag 62 is "0", the transaction accepting unit 51 accepts handling including transactions involving depositing or withdrawing coins. When the coin end-to-end regulation flag 62 is "1", the transaction accepting unit 51 only accepts transactions other than transactions involving coin deposits or withdrawals.

Next, with reference to FIGS. 6A to 6C, an example of the flow of transaction processing in which a large amount of coins are inserted during a deposit transaction as a previous transaction, and then a payment (withdrawal) transaction is performed as the next transaction will be described. 6A-6C are flowcharts illustrating a first example of transaction processing.

When a deposit transaction is started, the display control unit 54 first displays, on the display unit 14, a medium insertion screen prompting the user of the ATM 1 to insert a medium such as a card or passbook, as shown in FIG. 6A (step S101). . The ATM control unit 10 determines whether or not a medium such as a card or passbook has been inserted into the medium inlet/outlet (step S102).

If a medium such as a card or passbook is not inserted into the medium inlet/outlet (NO in step S102), the process waits until a medium such as a card or passbook is inserted into the medium inlet/outlet. If a medium such as a card or passbook is inserted into the medium inlet/outlet (YES in step S102), the ATM control unit 10 detects an error in the magnetic stripe data of the medium such as the card or passbook inserted in step S102. is checked (step S103). If the result of the medium check is NG, that is, if there is an error in the medium such as the card or passbook (YES in step S103), the display control unit 54 returns the medium such as the passbook or card to the user of the ATM 1. A medium return screen for notifying that the medium is to be returned is displayed on the display unit 14 as a display screen (step S104), the medium is returned to the user of the ATM 1 (step S105), and the process ends. Note that the process of step S101 may be returned to without ending the post-return process of the medium. If the result of the medium check is OK, that is, if there is no error in the medium such as a card or passbook (NO in step S103), the display control unit 54 prompts the user of the ATM 1 to insert cash. The screen is displayed on the display unit 14 as a display screen (step S106).

The ATM control unit 10 determines whether or not cash has been inserted (step S107). If cash is not inserted (NO in step S107), the process is on standby until cash is inserted. When cash has been inserted (YES in step S107), the money temporary storage unit 52 temporarily stores the inserted coin in the coin stacker. In this embodiment, it is assumed that a large amount of coins have been inserted in step S107. In this case, the coin stacker stores a large amount of inserted coins.

Then, the display control unit 54 displays, as a display screen, an amount confirmation screen for confirming the amount of cash such as inserted coins and banknotes on the display unit 14 (step S108). Although not shown, a “confirmation key” is displayed on the amount confirmation screen displayed on the display unit 14 . The ATM control unit 10 determines whether or not the confirmation key displayed on the amount confirmation screen has been pressed based on the operation of the user of the ATM 1 (step S109).

If the confirmation key is not pressed (NO in step S109), the process waits until the confirmation key is pressed. If the confirmation key is pressed (YES in step S109), the display control unit 54 displays a transaction message transmission/reception screen indicating that communication is currently being performed with the host server 2 on the display unit 14. display (step S110). Then, the ATM control unit 10 transmits and receives transaction messages to and from the host server 2 (step S111). A known technique can be employed for the processing of transmitting and receiving transaction messages between the ATM 1 and the host server 2, so detailed description thereof will be omitted.

After transmitting and receiving the transaction message, the display control unit 54 displays a medium return screen on the display unit 14 as a display screen for notifying the user of the ATM 1 of returning a medium such as a passbook or card (step S112). The ATM control unit 10 determines whether or not the user of the ATM 1 has removed the medium from the medium inlet/outlet (step S113). If the medium has not been removed (NO in step S113), the process waits until the medium is removed.

If the medium has been removed (YES in step S113), the display control unit 54 displays a transaction completion screen on the display unit 14 as a display screen to notify the user of the ATM 1 that the transaction has been completed (step S114). ), the transaction is closed. After the transaction is completed, the money post-processing unit 53 starts coin post-processing to transport the coins temporarily stored in the coin stacker to the coin cassette (step S115). Post-coin processing is processing that is performed independently and in parallel with transaction processing.

After step S115, the transaction accepting unit 51 determines whether or not the coin handling setting 61 stored in the storage unit 12 is "0" (step S116). When the coin handling setting 61 is "0" (YES in step S116), the transaction accepting unit 51 determines whether or not post-coin processing is completed (step S117). If not (NO in step S117), the process is on standby until the coin post-processing is completed. In the cash input process of step S107, when a large amount of coins are stored in the coin stacker, it takes time until the coin post-processing is completed because it is necessary to transport a large amount of coins from the coin stacker to the coin cassette. Therefore, in this process, the transaction accepting unit 51 waits until the coin cassette contains a large amount of inserted coins. If the post-coin processing is completed (YES in step S117), the process proceeds to step S118. On the other hand, if the coin handling setting 61 is "1" or "2" (NO in step S116), the process proceeds to step S118. In the cash insertion process of step S107, even if a large amount of coins are stored in the coin stacker and it is necessary to transport a large amount of coins from the coin stacker to the coin cassette, the coin handling setting 61 is set to "1" or "2". , the transaction reception unit 51 does not wait until the post-coin processing is completed, and proceeds to the next processing. That is, in this case, the post-coin processing and the transaction processing after step S118 are executed independently and in parallel.

In step S118, if the coin post-processing is not being performed, the display control unit 54 displays the customer waiting screen shown in FIG. 9A on the display unit 14 as a display screen. The customer waiting screen shown in FIG. 9A includes a plurality of keys corresponding to various transactions including payment (refund). When the coin post-processing is in progress, the display control unit 54 displays the customer waiting screen shown in FIG. 9B as a display screen on the display unit 14 (step S118). The customer waiting screen shown in FIG. 9(B) includes a plurality of keys corresponding to various transactions including payment (refund), and a transaction that requires coins cannot be handled because the previous transaction is in the process of being post-coin processed. A message 101 is included to notify the user of the ATM 1 to that effect. That is, after the end of the previous transaction, when the next payment (withdrawal) transaction is started, if the coin post-processing is being executed, the transaction reception unit 51 determines that the payment (withdrawal) other than the payment (withdrawal) involves the payment of coins. Only accept transactions for

When the user of the ATM 1 presses the payment (withdrawal) key and selects a payment (withdrawal) transaction (step S119), the ATM control unit 10 performs a coin all-time regulation flag setting process (step S120). The coin all-time regulation flag setting process is a process of setting the coin all-time regulation flag 62 according to the coin handling setting 61 and whether or not the coin post-processing is being performed. Details of the coin all-time regulation flag setting process will be described with reference to FIG. 7 described later.

The display control unit 54 displays a medium insertion screen prompting the user of the ATM 1 to insert a medium such as a card or passbook as a display screen on the display unit 14 (step S121). The ATM control unit 10 determines whether or not a medium such as a card or passbook has been inserted into the medium inlet/outlet (step S122). If a medium such as a card or passbook is not inserted into the medium inlet/outlet (NO in step S122), the process waits until a medium such as a card or passbook is inserted into the medium inlet/outlet. If a medium such as a card or passbook is inserted into the medium inlet/outlet (YES in step S122), the ATM control unit 10 detects an error in the magnetic stripe data of the medium such as the card or passbook inserted in step S122. is checked (step S123). Then, if the result of the medium check is NG, that is, if there is an error in the medium such as the card or passbook (YES in step S123), the display control unit 54 displays the medium return screen as a display screen on the display unit 14. (Step S124). The ATM control unit 10 then returns the medium to the user of the ATM 1 (step S125), and terminates the process. Note that the process of step S101 may be returned to without ending the post-return process of the medium.

If there is no error in the medium such as the card or passbook, that is, if the result of the medium check is OK (NO in step S123), the display control unit 54 prompts the user of the ATM 1 to enter the password. A number input screen (not shown) is displayed on the display unit 14 as a display screen (step S126).

The ATM control unit 10 determines whether or not the personal identification number has been entered (step S127). If the password is not entered (NO in step S127), the process waits until the password is entered. When the personal identification number is input (YES in step S127), the ATM control unit 10 performs coin handling determination processing as shown in FIG. 6C (step S128). The coin handling determination process is a process for determining whether or not to accept only transactions other than transactions involving deposits or withdrawals of coins, depending on the coin end-to-end regulation flag 62 and whether or not post-coin processing is in progress. Details of the coin handling determination process will be described with reference to FIG. 8 described later.

In step S129, the result of the coin handling determination process in step S128 is determined. When the result of the coin handling determination process in step S128 is determined to be "A", that is, when it is determined that all transactions including transactions involving coin deposits or withdrawals are accepted, the display control unit 54 10A is displayed on the display unit 14 as a display screen for prompting the input of the amount of bills and coins to be dispensed (step S130). The withdrawal amount input screen shown in FIG. 10A includes a numeric keypad and a withdrawal amount input field.

After step S130, the transaction accepting unit 51 determines whether or not the input of the withdrawal amount has been accepted (step S131). If the input of the withdrawal amount has not been received (NO in step S131), the process is on standby until the input of the withdrawal amount is received. If the input of the withdrawal amount has been received (YES in step S131), the process proceeds to step S134.

On the other hand, when the result of the coin handling determination process in step S128 is determined to be "B", that is, when it is determined that transactions other than transactions involving coin deposits or withdrawals are accepted, the display control unit 54 10(B) is displayed on the display unit 14 as a display screen for prompting the input of the amount of bills to be withdrawn (step S132).

The withdrawal amount input screen shown in FIG. 10B includes ten keys, a withdrawal amount input field, and a message 102 for notifying the user of the ATM 1 that coins cannot be withdrawn. That is, the transaction accepting unit 51, after the end of the previous transaction, at the timing of inputting the amount of money to be withdrawn after the start of the next transaction, if the post-coin processing is still being executed, the coin is dispensed. Only non-trading transactions are accepted.

After step S132, the transaction accepting unit 51 determines whether or not the input of the withdrawal amount has been accepted (step S133). If the input of the withdrawal amount has not been received (NO in step S133), the process is on standby until the input of the withdrawal amount is received. If the input of the withdrawal amount has been received (YES in step S133), the process proceeds to step S134.

In step S134, the display control unit 54 displays an input amount confirmation screen for confirming the input amount input in step S131 or step S133 on the display unit 14 as a display screen. Although not shown, a "confirmation key" is displayed on the input amount confirmation screen displayed on the display unit 14 in step S134. The ATM control unit 10 determines whether or not the confirmation key has been pressed based on the operation of the user of the ATM 1 (step S135).

If the confirmation key is not pressed (NO in step S135), the process waits until the confirmation key is pressed. If the confirmation key is pressed (YES in step S135), the display control unit 54 displays a transaction message transmission/reception screen indicating that communication is currently being performed with the host server 2 on the display unit 14. display (step S136). The ATM control unit 10 then transmits and receives transaction messages to and from the host server 2 (step S137). A known technique can be employed for the processing of transmitting and receiving transaction messages between the ATM 1 and the host server 2, so detailed description thereof will be omitted. After transmitting and receiving the transaction message, the display control unit 54 displays on the display unit 14 as a display screen a medium return screen for notifying the user of the ATM 1 that the medium such as a passbook or card is to be returned (step S138).

The ATM control unit 10 determines whether or not the user of the ATM 1 has removed the medium from the medium inlet/outlet (step S139). If the medium has not been removed (NO in step S139), the process waits until the medium is removed. If the medium has been removed (YES in step S139), the display control unit 54 displays a transaction end screen on the display unit 14 as a display screen to notify the user of the ATM 1 that the transaction has ended (step S140). ), the transaction ends.

From the above, even when a large amount of coins are stored in the coin stacker and it is necessary to transport a large amount of coins from the coin stacker to the coin cassette in the cash insertion process of step S107, the transaction accepting unit 51 The next transaction is accepted by transitioning to the next process without waiting until the post-coin process is completed. Therefore, it is possible to shorten the waiting time until the next payment (refund) transaction after the coin-inserted transaction is performed. Thereby, the satisfaction of the user of ATM1 can be improved.

Next, an example of the flow of the coin all-time regulation flag setting process (step S120 in FIG. 6B) will be described with reference to FIG. FIG. 7 is a flowchart showing an example of a coin all-time regulation flag setting process.

First, the transaction accepting unit 51 determines whether or not the coin handling setting set in the coin handling setting 61 is "1" (step S201). If the coin handling setting set in the coin handling setting 61 is "0" or "2" (NO in step S201), the process proceeds to step S204.

When the coin handling setting set in the coin handling setting 61 is "1" (YES in step S201), the transaction accepting unit 51 determines whether or not post-coin processing is being performed (step S202). . If the coin post-processing is not being performed (NO in step S202), the process proceeds to step S204.

If the coin post-processing is in progress (YES in step S202), the transaction accepting unit 51 sets the coin all-time regulation flag 62 to "1" (step S203), and terminates the all-coin regulation flag setting process. In step S204, the transaction receiving unit 51 sets the coin all-time regulation flag 62 to "0", and terminates the all-coin regulation flag setting process.

Next, an example of the coin handling determination process (step S128 in FIG. 6C) will be described with reference to FIG. FIG. 8 is a flowchart showing an example of coin handling determination processing.

First, the transaction accepting unit 51 determines whether or not the coin all-time regulation flag 62 is "1" (step S301). If the coin all-time regulation flag 62 is "1" (YES in step S301), the process proceeds to step S304. When the coin all-time regulation flag 62 is not "1" (NO in step S301), the transaction accepting unit 51 determines whether the coin handling setting 61 is "2" (step S302). If the coin handling setting 61 is not "2" (NO in step S302), the process proceeds to step S305.

When the coin handling setting 61 is "2" (YES in step S302), the transaction accepting unit 51 determines whether or not post-coin processing is being performed (step S303). If the coin post-processing is being performed (YES in step S303), the process proceeds to step S304. If the coin post-processing is not being performed (NO in step S303), the process proceeds to step S305. In step S304, the transaction receiving unit 51 sets the result of the coin handling determination to "B", and terminates the coin handling determination process. In step S305, the transaction accepting unit 51 sets the result of the coin handling determination to "A", and terminates the coin handling determination process.

Next, with reference to FIGS. 11A to 11C, a first example of transaction processing will be described in which a deposit transaction is performed again as the next transaction after a large amount of coins are inserted during a deposit transaction as a previous transaction. 11A-11C are flowcharts illustrating a second example of transaction processing.

Note that FIGS. 6A to 6C show transaction processing in which a large amount of coins are inserted at the time of a deposit transaction as the previous transaction, and then a payment (withdrawal) transaction is performed as the next transaction, whereas FIGS. This is a transaction process for performing a deposit transaction again as a transaction. The processes of steps S401 to S417, steps S421 to S425, and steps S433 to S438 of FIGS. 11A to 11C are substantially the same as the processes of steps S101 to S117, steps S121 to S125, and steps S135 to S140 of FIGS. 6A to 6C, respectively. Therefore, the description is omitted.

After the deposit transactions in steps S401 to S414 are performed, post-coin processing is started, and in step S418, if post-coin processing is not being performed, the display control unit 54 displays the customer waiting screen shown in FIG. 9A. It is displayed on the display unit 14 as a display screen. The customer waiting screen shown in FIG. 9A includes a plurality of keys corresponding to various transactions including deposit. When the coin post-processing is in progress, the display control unit 54 displays the customer waiting screen shown in FIG. 9B on the display unit 14 as a display screen. The customer waiting screen shown in FIG. 9(B) includes a plurality of keys corresponding to various transactions including deposits, and an ATM 1 message indicating that a transaction that requires coins cannot be handled because the previous transaction is being processed after processing the coins. contains a message 101 notifying users of In other words, the transaction accepting unit 51 accepts only transactions other than transactions involving coin deposits in the deposit transaction when the coin post-processing is executed at the start of the next deposit transaction after the end of the previous transaction.

When the deposit key is pressed by the user of the ATM 1 and the deposit transaction is selected (step S419), the ATM control unit 10 performs the coin all-time regulation flag setting process of FIG. 7 (step S420). Since the coin all-time regulation flag setting process of FIG. 7 is the same as the above-mentioned content, description is abbreviate|omitted. Since the processing of steps S421 to S425 in FIG. 11B is substantially the same as the processing of steps S121 to S125 in FIG. 6B, description thereof is omitted.

In step S423, if there is no error in the medium such as the card or bankbook, that is, if the result of the medium check is OK (NO in step S423), the ATM control unit 10 performs the coin handling determination process of FIG. (Step S426). The coin handling determination process of FIG. 8 is the same as the above-described content, so the description is omitted.

In step S427, the result of the coin handling determination process in step S426 is determined. If the result of the coin handling determination process in step S426 is determined to be "A", that is, if it is determined to accept all transactions including transactions involving coin deposits or withdrawals, the display control unit 54 12(A) is displayed on the display unit 14 as a display screen to prompt the user to insert the banknotes and coins to be deposited in the deposit transaction (step S428). On the cash insertion screen shown in FIG. 12A, a message 103 notifying the user of the ATM 1 that coins can be used as cash to be inserted in a deposit transaction, and a coin key 201 to be pressed when inserting coins are displayed. included.

The transaction accepting unit 51 determines whether or not the cash input has been accepted (step S429). If the cash input has not been received (NO in step S429), the process is on standby until the cash input is received. If cash has been inserted (YES in step S429), the process proceeds to step S432.

On the other hand, if the result of the coin handling determination process in step S426 is determined to be "B", that is, if it is determined that a transaction other than a transaction involving coin deposit or withdrawal is accepted, the display control unit 54 12B is displayed on the display unit 14 as a display screen to prompt the user to insert the bills to be deposited in the deposit transaction (step S430).

The cash input screen shown in FIG. 12(B) includes a message 104 notifying the user of the ATM 1 that coins cannot be handled. That is, after the end of the previous transaction, the transaction accepting unit 51 regulates the receipt of coins and the banknotes if the coin post-processing is still being executed at the timing of inserting cash after the start of the next transaction. Only accept deposits of

The transaction accepting unit 51 determines whether or not cash has been inserted (step S431). If cash has not been received (NO in step S431), the process is on standby until cash is received. If cash has been inserted (YES in step S431), the process proceeds to step S432.

In step S432, the display control unit 54 displays an input amount confirmation screen (not shown) for confirming the input amount input in step S429 or step S431 on the display unit 14 as a display screen. Although not shown, a “confirmation key” is displayed on the input amount confirmation screen displayed on the display unit 14 . The processing of steps S433 to S438 of FIG. 11C performed by the ATM 1 after step S432 is substantially the same as the processing of steps S135 to S140 of FIG. 6C, and thus the description thereof is omitted.

From the above, the transaction reception unit 51, after the end of the previous transaction, at the start of the next deposit transaction, if the coin post-processing is executed, only the transaction other than the transaction involving the deposit of coins in the deposit transaction accept. Therefore, it is possible to shorten the waiting time until the next deposit transaction after the coin-inserted transaction. Thereby, the satisfaction of the user of ATM1 can be improved.

Next, with reference to FIGS. 13A to 13D, an example of the flow of transaction processing will be described in which a transfer transaction is performed as the next transaction after a large amount of coins are inserted during a deposit transaction as a previous transaction. 13A-13D are flowcharts illustrating a third example of transaction processing.

6A to 6C show transaction processing for performing a payment (withdrawal) transaction as the next transaction, and FIGS. , the next transaction is a transfer transaction. The processes of steps S501 to S517, steps S536 to S542, and steps S544 to S549 of FIGS. 13A to 13D are substantially the same as the processes of steps S101 to S117, steps S121 to S127, and steps S135 to S140 of FIGS. 6A to 6C, respectively. Therefore, the description is omitted.

After the deposit transactions in steps S501 to S514 are performed, post-coin processing is started. In step S518, if the post-coin processing is not in progress, the display control unit 54 displays the customer waiting screen shown in FIG. 9A. is displayed on the display unit 14 as a display screen. The customer waiting screen shown in FIG. 9A includes a plurality of keys corresponding to various transactions including transfer. When the transfer key is pressed by the user of the ATM 1 and the transfer transaction is selected, the display control unit 54 displays the payment selection screen shown in FIG. 14(A) on the display unit 14 as a display screen. The payment selection screen shown in FIG. 14A includes keys corresponding to various types of payment corresponding to the transfer.

When the coin post-processing is in progress, the display control unit 54 displays the customer waiting screen shown in FIG. 9B on the display unit 14 as a display screen. The customer waiting screen shown in FIG. 9(B) includes a plurality of keys corresponding to various transactions including money transfer, and an ATM 1 message indicating that a transaction requiring coins cannot be handled because the previous transaction is being processed after the coin is processed. contains a message 101 notifying users of When the transfer key is pressed by the user of the ATM 1 and the transfer transaction is selected, the display control unit 54 displays the payment selection screen shown in FIG. 14B on the display unit 14 as a display screen. On the payment selection screen shown in FIG. 14(B), the user of the ATM 1 is notified that cash cannot be handled because the keys corresponding to various payments corresponding to the transfer and the coin post-processing of the previous transaction are being processed. A message 105 is included. That is, after the end of the previous transaction, when the next transfer transaction is started, the transaction reception unit 51, if the coin post-processing is being executed, does not accept any cash that may be accompanied by coin deposit or withdrawal in the transfer transaction. Only accept non-trading transactions.

When the transfer key is pressed by the user of the ATM 1 and the transfer transaction is selected (step S519), the ATM control unit 10 performs the coin all-time regulation flag setting process of FIG. 7 (step S520). Since the coin all-time regulation flag setting process of FIG. 7 is the same as the above-mentioned content, description is abbreviate|omitted. The display control unit 54 displays on the display unit 14, as a display screen, a payee information input screen prompting the user of the ATM 1 to enter payee information for the transfer transaction (step S521). The payee information includes the payee name and account information. The payee information may include information other than the name of the payee and account information.

The ATM control unit 10 determines whether or not the input of the payee information has been completed (step S522). If the input of payee information has not been completed (NO in step S522), the process waits until the input of payee information is completed. When the input of the payee information is completed (YES in step S522), the display control unit 54 displays a transfer amount input screen prompting the user of the ATM 1 to enter the transfer amount to the payee (step S523). The ATM control unit 10 determines whether or not the input of the transfer amount has been completed (step S524). If the input of the transfer amount has not been completed (NO in step S524), the process waits until the input of the transfer amount is completed. When the input of the transfer amount is completed (YES in step S524), the ATM control unit 10 performs the coin handling determination process of FIG. 8 (step S525). The coin handling determination process of FIG. 8 is the same as the above-described content, so the description is omitted.

In step S526, the result of the coin handling determination process in step S525 is determined. If the result of the coin handling determination process in step S525 is determined to be "A", that is, if it is determined to accept all transactions including cash transactions that may involve coin deposits or withdrawals, The display control unit 54 displays the payment method selection screen shown in FIG. 15A as a display screen on the display unit 14 (step S527). The payment method selection screen shown in FIG. 15A includes a cash key 202 and a bankbook/card key 203 for prompting selection of a payment method for a transfer transaction from among cash and bankbook/card.

The transaction accepting unit 51 determines whether or not a selection of a payment method of cash, passbook/card has been accepted (step S528). If neither cash nor bankbook/card has been selected (NO in step S528), the process waits until either cash or bankbook/card is selected. If the selection of the payment method of either cash or passbook/card is accepted (YES in step S528), the process proceeds to step S531.

On the other hand, if the result of the coin handling determination process in step S525 is determined to be "B", that is, if it is determined that transactions other than cash transactions that may involve coin deposits or withdrawals are accepted, The display control unit 54 displays the payment method selection screen shown in FIG. 15B as a display screen on the display unit 14 (step S529). The payment method selection screen shown in FIG. 15B includes a passbook/card key 203 that prompts the user to select a payment method other than cash, that is, only a passbook/card.

The transaction accepting unit 51 determines whether or not the selection of the payment method for the passbook/card has been accepted (step S530). If the selection of the payment method for the passbook/card has not been accepted (NO in step S530), the processing is put on standby until the selection of the payment method for the passbook/card is accepted. If the selection of the payment method for the passbook/card has been accepted (YES in step S530), the process proceeds to step S531.

In step S531, the transaction accepting unit 51 determines whether the payment method selected in step S528 or S530 is cash. When the payment method selected in step S528 or step S530 is cash (YES in step S531), the display control unit 54 displays a cash insertion screen prompting the user of the ATM 1 to insert cash in bills or coins. It is displayed on the display unit 14 as a screen (step S532).

The ATM control unit 10 determines whether or not cash has been inserted (step S533). If cash is not inserted (NO in step S533), the process is on standby until cash is inserted. If cash has been inserted (YES in step S533), the display control unit 54
An input amount confirmation screen for confirming the amount of cash input is displayed on the display unit 14 as a display screen (step S534). Although not shown, a "confirmation key" is displayed on the input amount confirmation screen.

The ATM control unit 10 determines whether or not the confirmation key displayed on the input amount confirmation screen has been pressed based on the operation of the user of the ATM 1 (step S535). If the confirmation key is not pressed (NO in step S535), the process waits until the confirmation key is pressed. If the confirmation key has been pressed (YES in step S535), the process proceeds to step S543.

On the other hand, if the payment method selected in step S528 or step S530 is not cash (NO in step S531), the ATM control section 10 performs the processes of steps S536 to S542. The processing of steps S536 to S542 is the same as the processing of steps S121 to S127 in FIG. 6B, so description thereof will be omitted. If the password is entered in step S542 (YES in step S542), the process proceeds to step S543.

In step S543, the display control unit 54 displays a payment information confirmation screen on the display unit 14 for confirming the information paid by the user of the ATM 1 in the transfer transaction (step S543). Although not shown, a "confirmation key" is displayed on the payment information confirmation screen. The processing of steps S544 to S549 performed by the ATM control unit 10 after step S543 is substantially the same as the processing of steps S135 to S140 in FIGS. 6A to 6C, and thus description thereof is omitted.

From the above, the transaction accepting unit 51 can be used to determine the possibility that the transfer transaction involves depositing or withdrawing coins when the coin post-processing is executed at the start of the next transfer transaction after the end of the previous transaction. Accept only non-cash transactions with Therefore, it is possible to shorten the waiting time until the transfer transaction following the coin-inserted transaction is performed. Thereby, the satisfaction of the user of ATM1 can be improved.

If the next transaction is executed during coin post-processing (during coin regulation) and a failure (error) of the coin unit occurs during coin post-processing (during coin regulation) during transaction processing, the ATM control unit 10 terminates the transaction normally. Then, the display control unit 54 displays, on the display unit 14, the transaction completion screen shown in FIG. 16A, which notifies the user of the ATM 1 that the transaction has been completed.

When a coin post-processing (coin regulation) is in progress as the first transaction and a coin unit failure (error) occurs during a deposit transaction as the next transaction, for example, when a deposit transaction is selected, a card or passbook, etc. When inserting a medium, when inserting a deposited banknote, when confirming the amount of deposited money, when sending/receiving a message, when instructing storage of a banknote, when returning a medium, and the like.

In addition, when the coin unit is in post-processing (coin regulation is in progress) as the first transaction, and the next transaction is the withdrawal transaction, the coin unit failure (error) occurs at the time of the withdrawal transaction. When inserting a medium such as a passbook, entering a PIN, entering a withdrawal amount (during coin post-processing), holding coin error information, confirming a withdrawal amount, sending/receiving a message, instructing a bill to be moved, returning the medium, etc. included.

Thereafter, after the transaction is completed, the ATM control unit 10 suspends acceptance of transaction processing as a failure (error) of the coin unit. Then, the display control unit 54 displays the error screen shown in FIG. 16B on the display unit 14 as a display screen. The error screen shown in FIG. 16(B) includes a message 106 notifying the user of ATM1 that an attendant is being called and that transaction processing cannot be accepted for a while. As a result, even if an error occurs during post-coin processing, the transaction can be safely completed.

In the present embodiment, processing with coins has been described, but after a large amount of banknotes are inserted at the time of deposit transaction as the previous transaction, as the next transaction, transfer transactions other than cash, inquiries, etc. are performed. can also be implemented, and the same effect as coins can be obtained.

Further, the present invention is not limited to the above-described embodiment as it is, and can be embodied by modifying the constituent elements within the scope of the invention at the implementation stage. Also, various inventions can be formed by appropriate combinations of the plurality of constituent elements disclosed in the above embodiments. For example, all the components shown in the embodiments may be combined as appropriate. Furthermore, components across different embodiments may be combined as appropriate. Various modifications and applications are possible without departing from the gist of the invention.

1 ATM
2 host server 4 card slot 5 passbook slot 6 banknote slot 7 coin slot 10 ATM control unit 12 storage unit 14 display unit 16 input unit 18 passbook processing unit 20 card processing unit 22 banknote processing unit 24 coin processing unit 26 receipt issuing unit 28 communication unit 30 host server control unit 32 storage unit 34 display unit 36 input unit 38 communication unit 51 transaction reception unit 52 money temporary holding unit 53 money post-processing unit 54 display control unit 61 coin handling setting 62 coin regulation flag N network

Claims (7)

In an automatic transaction device that performs a predetermined transaction based on the user's operation,
a transaction accepting unit that accepts the transaction based on the user's operation;
a money temporary holding unit that temporarily stores the inserted money when the transaction accepting unit accepts a transaction involving deposit of money;
a money post-processing unit that performs money post-processing to transport the money stored in the money temporary storage unit to the money storage unit after the transaction is completed;
The transaction reception unit
After the end of the previous transaction, when the money post-processing is executed at the start of the next transaction of the previous transaction, transactions involving the deposit and withdrawal of the money will not be accepted, and other transactions will not be accepted. accepts,
After the end of the previous transaction, at the start of the next transaction of said transaction, if said post-money processing is not executed, all transactions including transactions involving deposits and withdrawals of said money will be accepted. An automatic transaction device characterized by The money temporary holding unit temporarily stores the inserted coin when the transaction accepting unit accepts a transaction involving coin deposit,
The money post-processing unit performs coin post-processing of transporting the coins stored in the money temporary storage unit to a coin storage unit after the transaction is completed,
The transaction reception unit
When the coin post-processing is being executed at the start of the transaction next to the transaction, the transaction accompanying the deposit of the coin and the transaction accompanying the withdrawal of the coin are not accepted, and the other transactions are accepted;
When the coin post-processing is not executed at the start of the next transaction of the transaction, all transactions including the transaction accompanying the deposit of the coin and the transaction accompanying the withdrawal of the coin are accepted.
The automated teller machine according to claim 1, characterized by: The transaction accepting unit does not accept a transaction involving withdrawal of coins in the payment transaction if the coin post-processing is being executed at the start of the next payment transaction after the end of the previous transaction, Other transactions are accepted,
If the post-coin processing is not executed at the start of the next payment transaction after the end of the previous transaction, the transaction reception unit will perform all transactions including transactions involving withdrawal of coins in the payment transaction. accept
3. The automatic transaction device according to claim 2, characterized by: When the coin post-processing is executed at the start of the next deposit transaction after the end of the previous transaction, the transaction accepting unit does not accept the transaction involving the deposit of coins in the deposit transaction . We accept transactions other than
After the end of the previous transaction, at the start of the next deposit transaction, if the coin post-processing has not been executed, the transaction reception unit accepts all transactions including transactions involving coin deposits in the deposit transaction. accept
3. The automatic transaction device according to claim 2, characterized by: After the end of the previous transaction, when the next transfer transaction is started, if the coin post-processing is executed , the transfer transaction involves a cash transaction involving coin deposit and a coin withdrawal. Do not accept cash transactions , accept other transactions,
If the coin post-processing is not executed at the start of the next transfer transaction after the end of the previous transaction, the transaction reception unit performs a cash transaction involving coin deposit and coin withdrawal in the transfer transaction. Accept all transactions, including cash transactions
3. The automatic transaction device according to claim 2, characterized by: further comprising a display control unit that displays a display screen related to the transaction including the notification to the user on the display unit;
When the coin post-processing is being executed at the start of the transaction next to the transaction, the display control unit displays a message notifying that the transaction involving the deposit of the coin and the transaction involving the withdrawal of the coin are not accepted. The automated teller machine according to any one of claims 2 to 5, characterized in that it is displayed on the display screen. A transaction processing program to be executed by an automatic transaction device that performs a predetermined transaction based on a user's operation,
processing for accepting the transaction based on the user's operation;
A process of temporarily storing the inserted money in the money temporary storage unit when a transaction involving the deposit of money is accepted;
a process of carrying out post-money processing of transporting the money stored in the money temporary storage unit to the money storage unit after the end of the transaction;
After the end of the previous transaction, when the money post-processing is executed at the start of the next transaction of the previous transaction, transactions involving the deposit and withdrawal of the money will not be accepted, and other transactions will not be accepted. is accepted, after the end of the previous transaction, at the start of the next transaction of said transaction, if said post-money processing has not been executed, all transactions including transactions involving deposits and withdrawals of said money the process of accepting
A transaction processing program characterized by executing

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