JPH0565904B2 - - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION <Technical Field> The present invention relates to a personal account deposit/withdrawal management device that allows an individual to manage deposit/withdrawal status of an account such as when writing a check or making a deposit.

<Prior art> As a conventional portable device that can manage the deposit and withdrawal status of individual accounts, for example, USP.No.
There is a device disclosed in No. 4222109. This deposit/withdrawal management device includes an input key for inputting account transaction information such as check amount or deposit amount, current balance storage means for storing the current balance, and means for updating the current balance each time transaction information is input. This system allows you to know your current balance at any time without looking at the deposit/withdrawal statements sent periodically from your bank.

However, in the above-mentioned deposit/withdrawal management device, generally, when writing a check whose current balance is less than a predetermined minimum deposit balance, a fee is charged at a certain rate. Since the minimum deposit balance was not known, it was not possible to immediately know whether the current balance was less than the minimum deposit balance, and it was not possible to adequately control the issuance of checks.

<Purpose> The purpose of the present invention is to eliminate the above-mentioned drawbacks, and to prevent unnecessary withdrawal of fees by issuing a warning to that effect if the current balance is less than the minimum deposit balance when writing a check. The purpose is to provide a personal account deposit/withdrawal management device.

<Configuration and effects> This invention can be summarized as follows.

An input key for inputting personal account transaction information such as a check amount or a deposit amount, and a current balance storage means for storing a current balance are provided, and the current balance is updated every time transaction information is input. In addition, a minimum deposit balance storage means for storing the minimum deposit balance in advance and a means for comparing the minimum deposit balance with the current balance when inputting the check amount are provided, and a warning is issued when the current balance is smaller than the minimum deposit balance. emanate.

According to this invention, when writing a check, the current balance is automatically compared with the minimum deposit balance, and if the former is less than the latter, a warning to that effect is issued, so the check amount is always determined by the bank. It is possible to manage within the minimum deposit balance set.

<Embodiment> FIG. 1 is an external view of a deposit/withdrawal management device which is an embodiment of the present invention.

In the figure, a main body 1 is provided with a dot matrix liquid crystal display 2 and input keys 3.
A case 4 has the main body 1 attached thereto, and is also provided with a card holder 5 for storing a plurality of credit cards and for fixing a personal check spelling 6, and a holder 8 for fixing a ballpoint pen 7. A terminal 1a for connecting external equipment is formed on the side of the main body 1, and a printer 9, which is an optional device, can be connected to this terminal 1a.

The input keys 3 include a numerical key 3a, a function key 3b for performing arithmetic operations and reading and writing to memory, and a function key 3c for inputting transaction information. The function keys 3c are the YES key and NO key, which are used to check whether the displayed content is correct or incorrect, and the HELP key, which is used when you do not know the usage status of the device.
key, used when entering transaction information
Consists of the ENTER key.

FIG. 2 shows an example of the display state on the display 2. FIG.
The first number 1012 represents the check number.
The next 1055.89 represents the check amount ($). Furthermore, the next 1175.42 represents the current balance.

FIG. 3 shows the display state when determining the operating mode of the device. This display state is formed when the power is turned on, and inquires whether the operating mode is check mode, credit card mode, or calculator mode. The keys 7, 8, 9, ÷, and C/ON of the input key 3 are arranged at the positions shown in the figure when this inquiry is displayed. The operation mode is determined by turning on either the input keys 7, 9 or the C/ON key. That is, when the 7 key is turned on, the check mode is selected, when the 9 key is turned on, the credit card mode is selected, and when the C/ON key is turned on, the calculator mode is selected. FIG. 4 shows the display state displayed when any one of the five types of credit cards A to E is selected. At this time, each of the five types of keys is located directly below the displayed positions of A, B, C, D, and E, as shown in the figure. Therefore, for example, 7
When the key is turned on, card A is selected, and when the ÷ key is turned on, card D is selected.

FIG. 5 is a block diagram of the deposit/withdrawal management device of this embodiment.

The CPU 20 has a ROM 2 that stores programs.
1. A RAM 22 that stores transaction information and has other work areas and flags allocated thereto is connected to a bus, and input data from the input key 3 is taken into the CPU 20 via the I/O 23. Further, the display data is displayed on the display 2 via the I/O 23.
Note that the auto clear key ACL and external terminal E are connected to I/O23.

FIG. 6 is a memory map of the main parts of the RAM 22.

Area MA constitutes a storage means for registering transaction information, and stores check numbers and their check numbers.
It has 30 registers N0 to N29 and M0 to M29 each for storing the amount of money (check metal).

The area MB is composed of five memories that store the cumulative amounts used for each of the five types of cards A to E.

Area MC consists of four registers O, P, Q, and R. Register O stores the opening balance, which is the amount carried over from the previous month. Register P stores the current balance, which is the current balance. Register Q stores the minimum balance, which is the minimum deposit balance of the account. The minimum balance is the minimum amount of money you have in your bank account that allows you to write a check without being charged a fee by the bank. Register R
memorizes the last check number.

Area MD is composed of four registers for calculations X, Y, Z, and W, and a memory M for storing calculation data.

Area ME consists of counters n, d, and b,
Counter n specifies the address of the 30 registers in area MA above, and counters d and b are described later.
Used when executing RECONCILE mode (deposit/withdrawal matching routine).

Next, the operation of the deposit/withdrawal management device having the above configuration will be explained with reference to the flowcharts from FIG. 7 onwards.

FIG. 7 shows the main routine.

First, when the battery is inserted, step n0
(Hereinafter, step ni will be simply referred to as ni), the initialization subroutine INT is executed. In this initialization subroutine INT, the opening balance, current balance, minimum balance, and lost check number necessary for deposit/withdrawal management are stored in the area MC of the RAM, respectively. 8th
The figure shows a flowchart of this initialization subroutine.

At n30, a memory reset is performed. The areas to be reset are all the areas shown in FIG. Next, select “HELLO NICE” from n31 to n33.
MEET”“TO YOU.I’M YOUR”
The content of the greeting from "PROPERTY MANAGER" is displayed in three stages at intervals of 0.5 to several seconds. When this display is finished, press “PLEASE” on n34 and n35.
ENTER""OPENINGBALANCE" is displayed, prompting the user to enter the opening balance, which is the actual balance of the bank account at the end of the previous month. Subroutine E6 of n36 is a subroutine that stores the amount entered using the input key in register X. FIG. 9 shows a flowchart of this subroutine E6.
First, display "AMOUNT=(X)" on the n70 and prompt the user to input the amount using the numerical keys. Numerical data input from input key 3 in n71 is stored in register Returns when the ENTER key is pressed.

At n35 in FIG. 8, the opening balance is in the input state, so the opening balance is stored in register X at the stage when subroutine E6 at n36 is executed. At n37, the contents of this register X are transferred to register O where the opening balance is registered. And “THANK YOU” “PLEASE ENTER” on n38~n40
Displays “MINIMUM BALANCE” and then prompts you to input the minimum balance. Similar to n36 above, the minimum balance is stored in register X by subroutine E6 of n41. Further, the minimum balance stored in this register X is transferred to register Q. For n43 and n45, “THANK
YOU” “PLEASE ENTER” “LAST CHECK
No.” is displayed, prompting you to enter the last check number.Then, press n46 to enter the last check number in register
No. and transfers its contents to register R at n47. Also, in n48-n50, “THANK
YOU” “PLEASE ENTER” “CURRENT
BALANCE" is displayed to prompt the input of the count balance. When the contents are input in n51, the current balance input in n52 is transferred to register P. In the above manner, the opening balance, minimum balance, last When check No. and current balance are stored in registers O, Q, R, and P, respectively, next
n53, n54 “THANKS” “YOUR CO−”
OPERATION” and express gratitude.Furthermore,
“OPN BAL××××.××” in order from n55 to n59
“MIN BAL××××.××” “LAST No.×××
×”“CRNT BAL××××． ××” “OK? ” is displayed, prompting the operator to check whether the entered information is correct. If these four types of data have been entered correctly, the operator turns on the YES key. If not, press NO. Turn on the key. If the NO key is turned on, return to n34 and prompt for input from the opening balance again. Then
When the YES key is turned on and input is completed, the process returns to the original main routine.

In n1 of the main routine, “CHECK?
CARD? CALL? ” is displayed (see Figure 3).
This display state is now <ST>. As mentioned above, this <ST> state is a state that prompts the determination of the operation mode of the deposit/withdrawal management device. The operation mode is determined by operating one of the three input keys 7, 9, or C/ON. n3 to n5 are the determination steps. <
When the HELP key is operated in the ST> state, execution of subroutine H1 from n2 to n6 begins.

FIG. 10 is a flowchart of this subroutine H1. In this subroutine H1, first
“WOULD YOU USE” in n80 and n81
“FOR CHECK BOOX” is displayed to inquire whether to use this device in check mode. At n82, it is determined whether the YES key or the NO key has been operated, and if the YES key has been operated, the process advances to n8 of the main routine in FIG.
If the NO key is pressed, proceed to n83, and select “WOULD YOU USE” “FOR CARD” on n83 and n84.
"MEMORY" is displayed to inquire whether or not to use this device in credit card mode. If the YES key is pressed in n85, the process advances to n14 of the main routine in Figure 7. If the NO key is pressed, the process advances to n86. Proceed to “WOULD YOU USE” “FOR” in n86 and n87
"CALCULATON" will be displayed and you will be asked whether you want to use this device as a calculator.
If the YES key is operated at n88, the process advances to n7 of the main routine in FIG. If the NO key is operated, the process returns to n1 <ST> of the main routine in FIG.

In this way, in subroutine H1, the operation mode is determined based on the type of interaction with the device.
Therefore, if the operator does not know how to use this device, he or she can easily set the operating mode by interacting with the device itself by operating the HELP key.

Returning to the main routine of FIG. 7, if the 7 key is operated in the <ST> display state, the check mode is selected and the process advances to n8. In n8, “WRITE”
CHECK? ” and asks whether to write a check. If so, proceed to n20 and execute subroutine WCK. Otherwise, proceed to n10 and ask “DEPOSIT?”. ” and asks whether to make a deposit. If the YES key is operated, proceed to n19 and execute subroutine DEP. Otherwise, proceed to n12 and “RECONCILE?” is displayed. ” will be displayed and you will be asked whether you want to reconcile the deposits and withdrawals you have made so far.If the YES key is pressed,
Proceed to step 18 and execute subroutine REC. Otherwise, return to <ST> of n1. Also n9, n11, n13
If the HELP key is operated in , n1 <
ST> Return to state.

On the other hand, if the 9 key is operated in <ST> state, n4
→Proceed to n14. As described above, the operation of the 9 key selects the credit card mode. n14 first displays "CHARGE CARD?" and inquires whether or not to use the card to purchase items.
If the YES key is operated, advance to n22 and subroutine
Run CHA. If the NO key is operated, the process advances to n16, "PAYMEN?" is displayed, and an inquiry is made as to whether or not to pay for the use of the card. If the YES key is operated, the process advances to n21 and subroutine PAY is executed. Otherwise, n1 <
Return to ST>. Also HELP in n15 and n17
If a key is operated, the process immediately returns to <ST> of n1.

If the C/ON key is operated in the above state <ST>, the calculator mode is selected and the calculator subroutine n7 is executed. The calculator subroutine of n7 is composed of known routines. If the HELP key is operated during this process, the process immediately returns to the <ST> state of n1.

As described above, one of the check, credit card, and calculator operation modes is selected in the <ST> state, and the operation contents in each mode are determined and the corresponding subroutines are set.

Next, the operation contents of each of the subroutines selected in steps n18 to n22 will be explained.

FIG. 11A is a flowchart of the subroutine WCK executed at n20 of the above main routine.

n90 is a light check processing subroutine WS for turning off a check in check mode.
After performing the necessary processing in this subroutine, n91
``NEXT WRITE?'' is displayed to ask whether you want to write another check.
When the YES key is operated, the process returns to n90, and when the NO key is operated, the process returns to the <ST> state.

FIG. 11B is a flowchart of the above-mentioned light check processing subroutine WS.

First, lower subroutine nc in n100
is executed. In this subroutine nc, RAM2
It is determined whether all 30 area MA, ie, 30 N and M registers for storing check numbers and amounts, have been used. After completing this judgment, further
Subroutine cc is executed in n101. Here, it is determined whether the current current balance is below the minimum balance. Details of these subroutines nc and cc will be described later.

When the above determination process is completed, the contents of the current balance stored in the register P are displayed in n102. At this stage, the operator can know whether the amount of the check he is about to write is less than the current balance, and can also determine whether the balance at the time of writing the check is more than the minimum balance. I can do it. Further, in n103, assuming that the checks are to be continuously turned off, the check number obtained by adding 1 to the current last check number stored in the register R is displayed, and an inquiry is made as to whether this is correct. When the YES key is operated in n104, the process advances to n105, and assuming that the displayed check number is correct, the content stored in the current register R plus 1 is added to the calculator's work area. Store in register Y. On the other hand, if the NO key is operated on n104, n106
will display “ENETR CHECK No.” and prompt you to enter the correct check number. Then, in n107, subroutine E4 is executed.

FIG. 12 shows a flowchart of subroutine E4. First, “CHECK No.=(Y)” on n73
will be displayed to prompt you to enter the check number. and the ninth
The data input in n74 and n75 is stored in register Y in the same way as inputting the amount shown in the figure. ENTER
When a key is operated, the process returns to the original step.

When the execution of the above subroutine E4 is completed at n107, the correct check number will be stored in register Y.
Determine whether it is registered in (n108).
If not registered, proceed to n109 and “ENTER
AMOUNT" is displayed to prompt the user to enter the check amount. Then, in n110, subroutine E6 is executed.
Store the check amount in register X. Next, check No. stored in register Y and register Y
Displays the check amount stored in n111 and confirms whether it is correct. If the YES key is operated, the process advances to n114 in FIG. 11C. Here RAM
It is determined whether area MA 22 has become full. If so, proceed to n115 and transfer the contents of register Y to register R as the last check number. Also, the amount in register X is subtracted from the count balance in register P, and the result is stored in register P again. if memory is not full
Performs the same processing as n115, and register Y
The contents of are registered in register Nn of area MA, and the contents of register X are registered in register Mn.
Furthermore, the counter n is incremented.
Then, display the check number, check amount, and current balance registered in n117.n117
Proceed to. At n118, the current balance and minimum balance are compared in the same way as at n101 described above.

On the other hand, if the NO key is operated in n112 above,
Display “PLEASE REWRITE” on n113,
Return to n103 and enter the check number and check amount again.

A flowchart of the subroutine nc of the above n100 is shown in FIG. 11D.

Counter n specifies the addresses of registers N and M that can be registered up to 30. If this value exceeds 30, all 30 registers have been registered and no more can be registered. Therefore, if the value of n exceeds 30 in n120, then n121~
“MEMORY IS EMPTY” “PLEASE” with n123
RECOR” “TO ANY PAPER” to indicate that registration is not possible. If the value of n is 30 or less,
Go back without doing anything.

FIG. 11E is a flowchart of subroutine cc.

This subroutine executes the register P as described above.
Current balance and register Q stored in
This subroutine compares the minimum balance stored in the current balance with the minimum balance and calls attention when the current balance falls below the minimum balance. first,
At n124, the contents of register P and register Q are compared. If the former amount exceeds the latter amount, it will return to the original state without doing anything, but if not, “CAUTION” will be displayed in n125 to n128.
“PLEASE REMEMBER” “YOU MUST
PAY""CHARGE! ” is displayed to warn that the operator must pay a certain percentage of fees to the bank when the current balance is less than the minimum balance. For example, you will find out that you have to pay a fee to the bank. Therefore, to avoid paying the fee, you should either make the deposit immediately or cancel the check you wrote at the time. All you have to do is take the steps to do so.

The above check cancellation process is performed by the above subroutine.
It can be done with WS. First, input the check number you wish to cancel at n107. Then
Proceed to n108→n130. Since the contents of the selected register M are not code F, proceed to n130 → n131, display the check number entered here and the amount registered there, and confirm whether to cancel (VOID). If the display is to be canceled by operating the YES key, the cancellation code F is stored in the register Mn, the amount of Mn is added to the current balance, the current balance is further displayed, and the process returns to the original state. With the above process, you can cancel a check that has been cut. On the other hand, canceled checks also
By following the above steps, it will be registered in the same way as a regular check, so if you enter the canceled check number when you cut out the check,
Proceed to n130 → n135 and display “IT WAS VOIDED” and that a canceled check is registered in that register. The process then proceeds to n113 and displays a prompt to enter a new check number.

As described above, when a check is written and when a check once cut is canceled, these are registered in the area MA. Also, every time you cut a check,
It determines whether the MA is full, and if it is full, it displays that fact, and it also determines whether the current balance at the time of writing the check is less than the minimum balance, and if it does, it displays a message to that effect. Display the information to call attention to it.

Next, the operation when subroutine DEP is selected in the main routine of FIG. 7 will be described.

FIG. 13 is a flowchart of this subroutine DEP.

First, subretin, which is lower in n210
Execute nc (Figure 11D). That is, first, the registration status of the area MA is determined, and if all 30 registers are used, a message to that effect is displayed to draw attention. Next, the current balance is displayed. Then press “ENTER” on n212.
AMOUNT" is displayed, and the input deposit amount is stored in register X. The stored data is added to the current balance of register P, and the total amount is stored in register Y (n213).
The result is “NEW BAL××××.×× OK?”
is displayed and asks if this is OK.
If the YES key is operated, the registration register will be set in n217.
Determine whether the number exceeds 30, and if so, store the contents of register Y in register P and return. On the other hand, if it does not exceed the limit, the contents of register Y are transferred to register P and stored in n219, and the contents of register X are registered in register Mn.
And register the deposit code in F register Nn. Furthermore, the counter n is incremented. n216
If the NO key is operated, it will proceed to n220,
“PLEASE REWRTE” will be displayed, prompting you to enter the deposit amount again. As described above, the deposit operation in the check mode is completed.

Next, the subroutine in the main routine in Figure 7
The operation when CHA is selected is explained.

Subroutine CHA is executed when purchasing an item with a credit card. FIG. 14 shows a flowchart of this subroutine CHA.

First, a lower subroutine AE is executed at n140. In this subroutine AE, one arbitrary card is selected from among five types of cards A to F. FIG. 15 shows a flowchart of this subroutine AE. First, the display shown in FIG. 4 is performed at n150. As mentioned above, selecting any card from cards A to E is 7 to 9, ÷,
This is performed by operating one of the five types of keys on the C/ON. Then, when any key is operated, the card to be displayed directly above the operated key is specified (n152). If the HELP key is operated separately from these keys, “I HAVE 5 MEMORIES” and “PLEASE” will be displayed with n154 to n156.
ASSIGE" and "EACH CARD TO A-E" are displayed to prompt the user to operate one of the five types of keys mentioned above.

Returning to FIG. 14, when the subrate AE is executed at n140, the charge amount of the selected card is displayed at n141, and a confirmation display is performed to confirm whether the charge amount is correct. If the YES key is operated, the user is prompted to input the purchase amount, the purchase amount stored in register X at n144 is added to the charge, and the addition result is stored again in register X (n145). The new charge will then be displayed on n146, prompting you to confirm whether it is correct. If the YES key is operated, the new charge will be stored as the cumulative amount of the card used, and the process will return to normal. If the NO key is operated at n147, "PLEASE RWRITE" is displayed (n149), and the process returns to n143 to input the purchase amount again. This completes the operation of the subroutine CHA.

When the card payment processing routine PAY is selected in the main routine of FIG. 7, the flowchart of FIG. 16 is executed.

First, use the same process as the card purchase subroutine above.
n160 is executed and any card is selected.
Then, display the cumulative amount on n161 and ask if it is OK. If the YES key is operated, select “WRITE” to check whether or not to make the payment.
CHECK? ” is displayed. If that is the case and the YES key is operated, proceed to n165.
The subroutine WS described above is executed. If you wish to pay with cash, etc., proceed to n166 and press “ENTER”.
AMOUNT” is displayed to prompt the user to enter the amount, execute subroutine E6, and store that amount in register The subtracted amount is subtracted from the total amount of the card, and the subtracted amount is memorized.Then, the new charge is displayed and returned.

Next, in the main routine of FIG. 7, the operation when the subroutine REC is selected in the check mode will be explained. In this subroutine REC,
Data registered in Area MA and Area MC
The deposits and withdrawals are verified against the balances stored in registers O and P.

FIGS. 17A and 17B show a flowchart of the subroutine REC.

First, counters d and b are reset at n170. Next, display the opening balance on n171 and ask if it is OK. If the operator has a statement of deposits and withdrawals sent from the bank at that time, the opening balance displayed can be calculated by comparing it with the opening balance written on the statement. You can check whether it is correct. If it is not correct, that is, if the NO key is operated, proceed to n173 and “PLEASE
REWRITE” is displayed, enter the correct opening balance at n174, and store the contents in register O (n175).If the YES key is operated at n172, the contents of register O are temporarily stored in register Y at n176. The determination of n=d+b in n177 is to check whether the RECONCILE is completed, and since d+b=0 at first, the process advances to n178.In n178, the register M specified by counter b is transferred. Determine whether the content is F. If this content is F, the code is VOID
Since it is a (cancellation) code, proceed to n179, display that the check number registered in Nb has been canceled, and inquire whether this is OK. If the YES key is operated, the process advances to n189 and the registers Mb and Nb specified by counter b are counted.
is cleared, the designated registers M and N are shifted by one line, the counter d is incremented, and the process returns to n177. Further, if the NO key is operated at n180, the process advances to n188, increments the counter b, and returns to n177.

On the other hand, in n178, if the register Mb specified by counter b is not the F code, that is, the VOID (cancellation) code, the process advances to n181, and then it is checked whether the register Nb is the F code, that is, the deposit code has been registered. Determine whether there is. If so, proceed to n182, display the amount registered in register Mb at that time, that is, the deposit amount, and inquire whether it is correct. If the YES key is operated, the amount is added to the contents of register Y in n185 and stored in register Y again. If the registration code of register Nb is not F in n181, proceed to n183, display register Nb, the data stored in Nb, that is, the check number and check amount, and inquire whether the payment has been made correctly. .
If the YES key is operated, the check amount is subtracted from the contents of register Y at n187. and
At n189, the registers Nb and Mb are reset, and further the registers M and N are shifted by one row.
If the NO key is operated at n186, the counter b is incremented at n188 and the process returns to n177. As described above, using register Y, from the opening balance stored in n176, if a deposit amount is registered, add the deposit amount, and if a check has been written, subtract that amount. The contents of register Y are updated sequentially. Then, at n177, when n=d+b, that is, all the additions and subtractions of the registered data have been completed, the process advances to n190 in FIG. 17B.

At n190, the contents of counter b are transferred to counter n in preparation for the next time a check is written or deposited. Then, "ENTER CHARGE" is displayed at n191 to prompt input of charge from the bank, and at n192, the charge input to register X is subtracted from the contents of register Y, and further subtracted from the current balance of register P. Then press “ENTER” on n194.
INTEREST” and prompts you to enter the interest rate.
The interest input into register X at n195 is added to the contents of register Y at n196, and also added to the current balance of register P. In this way, the final amount of the calculated register Y is “NEW BAL××
XX． ×× OK? ” (n197) and asks if this is OK. In other words, prompts you to confirm whether the month-end balance display is correct. YES
When a key is operated, the data is stored in register O as the opening balance for the next month. If the NO key is operated, “PLEASE” is displayed with n200.
REWRITE” is displayed, enter the correct value in register
Store it in and return to n197. The process proceeds from n198 to n200 when the area MA is full and more registration items have been added, when there is an omission in the input, or when the bank makes a mistake. Therefore
When proceeding from n198 to n200, if the memory becomes full and the number of registered items increases, add or subtract the data, and if there is an input omission at any stage, add or subtract the input omission. For example, you can match the deposit and withdrawal statements from your bank. Furthermore, if the numbers do not match despite this, you can know that a mistake has been made at the bank.

As described above, in ERCONCILE mode, it is possible to easily check the registered data up to now and accurately check deposits and withdrawals based on the opening balance.

On the other hand, when cutting a check, see Figure 11B.
At n101, the current balance and the minimum balance are first compared, and if the former is less than the latter, a warning is given at n125 to n128 of Figure 11E, so at that point, the current balance is compared with the minimum balance, and at that point, deposits, etc. are made to prevent the fee from being withdrawn. Action can be taken.

In this way, this invention compares the current balance with the minimum deposit balance when the check amount is input, and issues a warning if the current balance is less than the minimum deposit balance. If the minimum deposit balance for which no fees are required is stored in advance in the minimum deposit balance storage means, the user can easily know from the warning that the current balance is below the minimum deposit balance, and take measures such as making a deposit. By doing so, you can prevent fees from being debited and reduce waste.

[Brief explanation of the drawing]

FIG. 1 is an external view of a deposit/withdrawal management device according to an embodiment of the present invention. FIG. 2 shows an example of the display state on the display 2 of the deposit/withdrawal management device. FIG. 3 shows the display state when determining the operating mode of the device. FIG. 4 shows the display state displayed when any one of the five types of credit cards A to E is selected. FIG. 5 is a block diagram of the same device. Figure 6 shows the RAM22 of the same device.
This is a memory map of the main parts of. FIG. 7 is a flowchart of the main routine in the control program of the device. FIG. 8 is a flowchart of the initialization subroutine. FIG. 9 is a flowchart of subroutine E6. FIG. 10 is a flowchart of subroutine H1. 11th
Figure A is a flowchart of subroutine WCK. FIGS. 11B and 11C are flowcharts of the light check processing subroutine WS. Figure 11D
is a flowchart of subroutine nc. FIG. 11E is a flowchart of subroutine cc. FIG. 12 is a flowchart of subroutine E4. FIG. 13 is a flowchart of subroutine DEP. Figure 14 is a subroutine
This is a flowchart of CHA. FIG. 15 is a flowchart of subroutine AE. FIG. 16 is a flowchart of the card payment processing subroutine PAY. Figure 17 A and B are subroutines
This is a flowchart of REC. Area MA...Storage means for registering transaction information, Area MC's O...Register for storing opening balance (previous month carryover amount), Area MC's P...Register for recording current balance (current balance), Area
MC's Q...Register for storing the minimum balance (minimum deposit balance), Area MC's R...Register for storing the last check number (last check number).

Claims (1)

[Scope of Claims] 1. A key input unit for inputting personal account transaction information such as check amount or deposit amount, current balance storage means for storing the current balance, and updating the current balance each time the transaction information is input. A deposit/withdrawal management device for a personal account which switches between a plurality of operation modes including a check amount input mode, comprising: a minimum deposit balance storage means for storing a preset minimum deposit balance; Operation of reading the current balance from the current balance storage means in response to input of the check amount from the key input section, subtracting the input check amount from the current balance, and updating and registering the current balance after the deduction in the current balance storage means. control means; comparison means for comparing the current balance after deduction of the check amount with the minimum deposit balance stored in the minimum deposit balance storage means; and as a result of the comparison by the comparison means, the current balance after deduction of the check amount; A deposit/withdrawal management device for a personal account, comprising means for issuing a warning when the balance is smaller than the minimum deposit balance.