JPH09311966A - Automatic teller machine - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an automatic teller machine which prevents a small amount transaction due to the misoperation, etc., of a user and can collect the commission equivalent to the transaction contents desired by the user. SOLUTION: When a user inputs a transaction amount, a main control part decides to or not to collect the commission based on the commission information stored in a storage part (ST3). When the commission is collected, the corresponding commission amount is read and the ratio of the commission amount is calculated against the transaction amount (ST5). If this ratio exceeds a reference level, both transaction amount and commission are displayed at an operation part (ST7). The transaction is discontinued and a transaction medium is returned when a cancel key is pushed (ST11). When a confirmation key is pushed, the next operation is carried out (ST10).

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automated teller machine which is used in, for example, a financial institution, and which charges a fee in accordance with a transaction in an automatic teller machine which performs a cash transaction by a user's operation.

[0002]

2. Description of the Related Art In recent years, automatic transactions such as automatic teller machines that automatically perform deposit / withdrawal transactions and transfer transactions by a user operating a financial institution such as a bank and inputting information necessary for the transaction. Various devices have been developed and put into practical use.

[0003] Conventionally, such an automatic transaction apparatus is configured to be capable of low-value coin transactions by mounting a coin unit for handling coins in addition to a bill unit for handling banknotes. In addition, in the case of transfer transactions, the fee is displayed and it is announced that the fee will be collected in addition to the transfer amount.

[0004]

However, according to the conventional device, since a small amount transaction by coin transaction is possible, when the transaction amount is input, the transaction amount is lower than the preset fee amount due to user's erroneous operation or the like. When the transaction amount of is input,
There is a risk that transaction processing with a transaction amount lower than the input commission amount will be performed, and as a result, a fee higher than the transaction amount will be collected.

Further, in order to prevent a transaction lower than the fee amount from occurring due to a user's erroneous operation, etc., the coin transaction is minimized to the minimum necessary especially in the transaction such as withdrawal transaction which does not announce the fee. There is a drawback in that it must be held down and limited to transactions in thousands of yen using only banknotes.

[0006] Therefore, an object of the present invention is to provide an automatic transaction apparatus which eliminates the above-mentioned drawbacks, prevents low-value transactions due to user's erroneous operation, etc. And

[0007]

In order to achieve the above object, an automatic transaction device according to claim 1 of the present invention relates to a withdrawal transaction in an automatic transaction device for withdrawing cash by a user's operation. Input means for inputting the amount to be withdrawn, storage means for storing information on the fee collected when conducting the withdrawal transaction, and withdrawal from the input means based on the information on the fee stored in this storage means Fee determination means for determining whether a fee needs to be collected for the withdrawal transaction in which the amount has been entered, and the storage means when the withdrawal transaction has been determined to have to collect a fee by this fee determination means Display means for displaying the amount of the fee to be collected stored in the display means, and a correction for instructing the correction of the withdrawal amount based on the amount of the fee displayed on the display means. An instruction unit, in which a control means for executing the re-input of the dispensing amount from the input means when the correction of the dispensing amount is instructed by the correction instruction means.

In the present invention according to claim 1 described above, when the withdrawal amount is input from the input means, it is determined whether a fee is required for this withdrawal transaction, and the fee is required to be collected. The amount of the fee is displayed on the display means. When the correction of the withdrawal amount is instructed, the input withdrawal amount is re-input. As a result, it is possible to prevent a low-value transaction due to a user's erroneous operation and collect a fee commensurate with the transaction content desired by the user.

In order to achieve the above object, an automatic transaction device according to claim 3 of the present invention is an automatic transaction device for conducting a withdrawal transaction for withdrawing cash by a user's operation, and inputs a withdrawal amount relating to a withdrawal transaction. For inputting the amount of money to be withdrawn from the input means based on the information about the fee stored in the storage means, the storage means for storing the information about the fee collected when performing the withdrawal transaction, If the withdrawal transaction determines that it is necessary to collect a fee, and if this withdrawal transaction determines that the withdrawal transaction needs to collect a fee, the transaction input from the above input means A ratio calculation means for calculating a ratio of the amount of the fee stored in the storage means to the money amount, and a withdrawal amount calculated by the ratio calculation means. Ratio judging means for judging whether or not the ratio of several charges exceeds a preset reference value, and input from the input means when the ratio judging means judges that the ratio does not exceed the reference value. Display the withdrawal amount,
When the ratio determining unit determines that the ratio exceeds the reference value, the withdrawal amount input from the input unit, the amount of the fee stored in the storage unit, and guidance information indicating that the fee is collected are displayed. Display means, correction instruction means for instructing correction of the amount of money to be dispensed based on the amount information displayed on the display means, and the input means when correction of the amount of money to be dispensed is instructed by the correction instruction means. Control means for re-inputting the amount of money to be dispensed from.

In the present invention according to claim 3 described above, when the withdrawal amount is input from the input means, it is determined whether or not a fee is required for this withdrawal transaction, and the fee is required to be collected. Calculate the ratio of the fee amount to the withdrawal amount. If this ratio does not exceed the preset reference value, the withdrawal amount is displayed, and if this ratio exceeds the reference value, the withdrawal amount, fee amount, and guidance information that the fee will be collected are displayed. . When the correction of the withdrawal amount is instructed, the input withdrawal amount is re-input. As a result, it is possible to prevent a low-value transaction due to a user's erroneous operation and collect a fee commensurate with the transaction content desired by the user.

In order to achieve the above-mentioned object, an automatic transaction device according to claim 4 of the present invention is an automatic transaction device which performs a predetermined transaction by a user's operation, and selects a desired transaction from among the transactions. Selection means, input means for inputting a transaction amount related to the transaction selected by the transaction selection means, storage means for storing information regarding a fee collected when performing the transaction, and storage means stored in the storage means It is necessary to collect a fee for the transaction in which the transaction amount is input from the input means based on the information on the fee, and a fee determining means for determining whether the transaction needs to be collected. A transaction determining means for determining whether the transaction selected by the transaction selecting means is a withdrawal transaction when determined, and a withdrawing transaction by the transaction determining means. If it is determined that the transaction amount is input from the input unit, the amount of the fee stored in the storage unit, and the guide information indicating that the fee is collected, the display unit is displayed on the display unit. Correction instruction means for instructing correction of the transaction amount based on the amount information, and control means for executing re-input of the transaction amount from the input means when correction of the transaction amount is instructed by the correction instruction means Is to have.

In the invention according to claim 4 described above, when a transaction is selected and a transaction amount is input, it is determined whether a fee is required to be collected for this transaction, and the transaction is withdrawn when the fee is required to be collected. Determine if it is a transaction. If the transaction is a withdrawal transaction, the transaction amount and the fee are displayed on the display means. Then, when the correction of the transaction amount is instructed, the input transaction amount is re-input. As a result, it is possible to prevent a low-value transaction due to a user's erroneous operation and collect a fee commensurate with the transaction content desired by the user.

In order to achieve the above-mentioned object, an automatic transaction device according to claim 5 of the present invention is an automatic transaction device which performs a predetermined transaction by a user operation, and selects a desired transaction from among the transactions. Selection means, input means for inputting a transaction amount related to the transaction selected by the transaction selection means, storage means for storing information regarding a fee collected when performing the transaction, and storage means stored in the storage means It is necessary to collect a fee for the transaction in which the transaction amount is input from the input means based on the information on the fee, and a fee determining means for determining whether the transaction needs to be collected. A transaction determining means for determining whether the transaction selected by the transaction selecting means is a withdrawal transaction when determined, and a withdrawing transaction by the transaction determining means. A ratio calculating means for calculating a ratio of the amount of charges which are stored in the storage means for the transaction amount entered by said input means when it is determined that,
A ratio determination means for determining whether the ratio of the transaction amount calculated by the ratio calculation means to the transaction amount exceeds a preset reference value, and when the ratio determination means determines that the ratio does not exceed the reference value. The transaction amount input from the input means is displayed on the screen, and when the ratio determination means determines that the ratio exceeds the reference value, the transaction amount input from the input means and the fee stored in the storage means are displayed. Display means for displaying guidance information indicating that the amount and fee will be collected, and correction instruction means for instructing correction of the transaction amount based on the amount information displayed on the display means,
And a control means for executing re-input of the transaction amount from the input means when the transaction amount is instructed to be corrected by the correction instruction means. The invention described in claim 5 described above is a withdrawal transaction when a transaction is selected and a transaction amount is input, it is determined whether a fee is required to be collected for this transaction, and the fee is required to be collected. To determine. If the transaction is a withdrawal transaction, calculate the ratio of the fee amount to the transaction amount. When this ratio does not exceed the preset reference value, the transaction amount is displayed, and when this ratio exceeds the reference value, the transaction amount and the fee amount and guidance information that the fee is collected are displayed. Then, when the correction of the transaction amount is instructed, the input transaction amount is re-input. As a result, it is possible to prevent a low-value transaction due to a user's erroneous operation and collect a fee commensurate with the transaction content desired by the user.

[0014]

DESCRIPTION OF THE PREFERRED EMBODIMENTS One embodiment of the present invention will be described below with reference to the drawings. First, referring to FIG. 2, an automatic transaction apparatus (for example, an automatic teller machine) 1 according to the present embodiment.
Will be described.

An automatic transaction device 1 according to the present invention shown in FIG.
Has a generally L-shaped customer service operation area 2 on the front side of a box-shaped housing 1A. An operation area 1B by an operator is provided on the rear surface side of the housing 1A separated by the partition wall W. On the horizontal surface of the customer service operation area 2, there is provided a bill slot 3 for receiving a large number of bills and receiving the released bills collectively.
Can be opened and closed by a door 4.

On the horizontal surface of the customer service operation area 2, there is provided an operation section 5 which functions as an input means and a display means in which a transparent touch sensor panel and a color CRT are combined. On the color CRT of the operation unit 5, operation procedures and other information are displayed on the screen in characters, words, illustrations or image information to guide the user. In addition, desired information can be input by touching a portion of the touch sensor panel corresponding to display of numbers, katakana, alphabets, and characters for confirmation and cancellation with a finger.

On the other hand, on the vertical surface of the customer service operating area 2, a card slot 6 for accepting a card as a transaction medium in which a personal identification number, an account number, an issuing bank code, etc. are recorded on a magnetic stripe, and a passbook as a transaction medium. A passbook opening 7 for receiving and discharging, a receipt opening 8 for discharging printed receipts, a coin insertion opening 9 for receiving a large number of coins in a batch, a coin receiving opening 10 for receiving the released coins in a batch, and a staff member operating A staff key 11 and the like are provided.

FIG. 3 shows a control system of the automatic transaction apparatus 1 and an automatic transaction system A. A card reader unit 21 and a receipt printer unit 2 are provided in the housing 1A.
2, a passbook printer unit 23 as a passbook issuing means,
It comprises a bill depositing / dispensing unit 24, a coin depositing / dispensing unit 25, a customer service unit 26 including the operation section 5, a voice guidance unit 27, and an internal monitor 28. The automatic transaction device 1 includes a storage unit 29, a floppy disk unit 30,
Transmission control section 31 as communication means, processing means for performing overall control, main control section 32 as various control means, power supply section 3
It has 3 etc.

The card reader unit 21 reads account information such as a personal identification number and an account number from the magnetic stripe of the card used for normal transactions received from the card slot 6 and also returns the card to the card slot 6. It is like this. Also, the card reader unit 2
Reference numeral 1 is for writing, reading, and erasing information on a card received from the card slot 6, and for reading an image of an embossed portion of the card.

The receipt printer unit 22 is adapted to issue a receipt on which transaction details are printed, or print the result of self-diagnosis on the receipt and discharge it from the receipt port 8. Further, the passbook printer unit 23 reads or writes information from or to the magnetic stripe of the passbook P received from the passbook port 7, and prints transaction contents or the like on the passbook P as necessary, and the passbook port 7 It is designed to be discharged from.

The banknote deposit / withdrawal unit 24 includes a banknote slot 3
In addition to discriminating, counting and storing the banknotes that have been collectively inserted into the safe, a predetermined number of banknotes that have been stored in the safe in advance are taken out and paid out collectively from the banknote slot 3 as necessary. . The coin depositing / dispensing unit 25 discriminates, counts, and stores the coins collectively inserted into the coin slot 9, and, if necessary, stores coins of different types in advance in a safe as storing means. A predetermined number of coins are taken out by an ejecting means (not shown) and are collectively paid out from the coin receiving port 10.

The voice guidance unit 27 is adapted to guide the user's operation by voice. The internal monitor 28 transmits the status of the automatic transaction apparatus 1 to a staff involved in the operation of the automatic transaction apparatus 1 and inputs an operation instruction from the staff. The storage unit 29 stores information regarding a fee, which will be described later, which is collected as needed particularly when the transaction of the automatic transaction apparatus 1 is performed, and a reference value of a ratio of the fee amount to a transaction amount, which will be described later. .

The main control unit 32 refers to the program information in the floppy disk unit 30, and each of the units 21 to 27, the internal monitor 28, the storage unit 29 as a storage unit, and the transmission control unit 31 as a reception unit. Are controlled respectively, and these perform predetermined operations. In addition, the main control unit 32 diagnoses the remaining amount of various media (such as bills, coins, receipt paper, journal paper, and passbooks) and checks the operation of each unit 21 to 27 (check).

A remote monitor 34 is connected to the main control unit 32 as needed, and it is possible to monitor from a distant place. The remote monitor 34 is controlled by the main control unit 32 and displays substantially the same information as the internal monitor 28. When an abnormality occurs in the automatic transaction apparatus 1, the abnormality is detected by using a sounding means such as a buzzer. To inform.

The floppy disk unit 30 stores a program for processing means, which will be described later, relating to the operation of the automatic transaction apparatus 1, records transactions of various kinds of information used in the transaction, and operates the automatic transaction apparatus 1. Is recorded, and special information set uniquely to the automatic transaction device 1 is stored.

The host computer 35 is an information processing device as a storage means for storing user transaction data, and the transmission control section 31 is connected to the host computer 35 via a communication line. Online communication with the host computer 35 is made as necessary. Then, in the host computer 35, information about a fee to be described later, which is collected as needed with the transaction of the automatic transaction device 1, that is, a condition for collecting the fee as shown in FIG. 4, and a fee to be collected. The fee information including the amount of money is stored.

Next, referring to FIG. 5, an automatic transaction system A
The update processing of the fee information stored in the storage unit 29 of the automatic transaction apparatus 1 in 1 will be described. Host computer 35
In accordance with the fee collection condition of the stored fee information as shown in FIG. 4, the host computer 35 is operated at the timing when the fee amount is updated (ST101).
Transmits the updated new fee information to the automatic transaction apparatus 1 (ST102). In the automatic transaction device 1, the main control unit 32 stores the new fee information transmitted from the host computer 35 via the transmission control unit 31 in the storage unit 2.
The fee information stored in 9 is overwritten and stored (ST103).

Next, using the flow chart of FIG. 1,
The confirmation processing of the fee collection to the user at the time of approval by the user of the transaction will be described. In the automatic transaction device 1,
By the update processing as shown in FIG. 5, the host computer 35 obtains information about the fee collected in advance when conducting a transaction.
It is further received and stored in the storage unit 29. First, the user selects a desired transaction from the operation unit 5 (ST1), and then inputs the transaction amount from the operation unit 5 (ST2). When the transaction amount is input, the main control unit 32 determines whether or not the current transaction needs to collect a fee, based on the collection condition of the fee information stored in the storage unit 29 (ST3).

When it is determined in ST3 that the fee needs to be collected, the main control unit 32 determines whether the transaction selected in ST1 is a withdrawal transaction (ST4). If it is determined in this ST4 that the transaction is not a withdrawal transaction, the storage unit 2
The fee amount of the corresponding collection condition is read from the fee information stored in 9 and the ratio of the fee amount to the transaction amount input in ST2 is calculated (ST5).

When the ratio of the commission amount to the transaction amount is calculated in ST5, it is judged whether or not the calculated ratio of the commission amount exceeds a preset reference value (ST.
6). When the ratio of the fee amount exceeds the reference value in ST6, or when it is determined in ST4 that the transaction is a withdrawal transaction, the main control unit 32 causes the customer service unit 26 to operate the operation unit 5 as shown in FIG. , The transaction amount and the fee amount to be collected, the cancel key 41 as a stop instruction means for stopping (execution prohibiting) the transaction, the confirmation key 42 as an execution instruction means for continuing (executing) the transaction, and the transaction amount. A fee confirmation screen 40 including a correction key 43 as a correction instruction means for making a correction (re-input) is displayed (ST
7).

When it is determined in ST3 that the commission is not collected in this transaction, or when the ratio of the fee amount does not exceed the reference value in ST6, the main control unit 32 is operated by the customer service unit 26. The transaction amount, the cancellation key 41, the confirmation key 42,
And an amount confirmation screen including the correction key 43 is displayed (S
T8).

When the user presses the confirmation key 42 on the confirmation screen displayed in ST7 or ST8 (ST9), the main control unit 32 is operated next ( ST10). Also,
When the user presses the correction key 43 on the confirmation screen displayed in ST7 or ST8 (ST9)
In this case, the user can re-enter the transaction amount from the operation unit 5 (ST2).

When the user presses the cancel key 41 on the confirmation screen displayed in ST7 or ST8 (ST9), the main control unit 32 stops the transaction (ST11) and the card reader unit 21. The transaction medium taken in by the passbook printer unit 23 or the like is returned, and a user waiting screen as shown in FIG. 8 is returned (ST12).

Here, in the confirmation screen displayed in ST7 or ST8, even if a predetermined time has elapsed after the confirmation screen was displayed, the user may press the cancel key 41 or the confirmation key 4
Even when 2 is not pressed (ST9), the main controller 3
2 stops the transaction (ST11), returns the transaction medium taken in by the card reader unit 21, the passbook printer unit 23, etc., and returns to the user waiting screen as shown in FIG. 8 (ST12). .

In this embodiment, as shown in FIG.
We set 103 yen as the standard amount of the fee collected for one transaction. 10.3% is set as the reference value of the ratio of the fee amount to the transaction amount stored in the storage unit 29, based on the reference fee amount of 103 yen. That is, in this embodiment, 1 is applied to the transaction of coins
When the fee of 03 yen or more is collected, the fee is displayed for confirmation. In the present invention, the reference amount of the fee and the reference value of the ratio of the fee amount to the transaction amount are set as described above. Not limited to values.

Here, in this embodiment, a transaction selecting means for selecting a desired transaction from a plurality of transactions in ST1 is configured. Further, in ST3, a fee determination means for determining whether or not a fee needs to be collected in the transaction is configured.
It also constitutes a transaction determining means for determining whether the transaction selected in ST4 is a withdrawal transaction. Further, in ST5, a ratio calculating means for calculating the ratio of the commission to the transaction amount is configured. Further, in ST6, a ratio determining means for determining whether the ratio of the commission to the transaction amount exceeds a preset reference value is configured.

Next, the operation of the automatic transaction device 1 of this embodiment will be described with reference to FIG. FIG. 8 is an initial screen displayed on a color CRT which is a display unit of the operation unit 5 of the automatic transaction device 1. The withdrawal 61, the passbook entry 62, the balance inquiry 63, the deposit 64, the transfer / transfer 65. , A user waiting screen consisting of transaction items of regular deposit 66 is shown.

First, the user displays a desired transaction from the transaction items on the user waiting screen shown in FIG. 8 displayed on the color CRT of the operation unit 5 of the automatic transaction apparatus 1, in the present embodiment, the drawer 61. Designate a transaction by touching the part of the touch sensor panel of the corresponding operation unit 5 with a finger (ST2
1).

In this way, the user specifies a transaction, and when the user inserts the card into the card slot 6 according to the guidance displayed on the screen of the operation unit 5, the card reader unit 21
Reads account information such as personal identification number and account number from the magnetic stripe of the card and transmits it to the main control unit 32 (ST2
2).

Next, when the user inputs the personal identification number from the operation section 5, the customer service unit 26 transmits the input personal identification number to the main control section 32 (ST23). Then, the main control unit collates the personal identification number input by the user with the personal identification number read from the magnetic stripe of the card (S).
T24).

In ST24, when the main control section 32 determines that the personal identification numbers do not match, the customer service unit 26 displays a guide so that the user can re-enter the personal identification number. When the main control unit 32 determines in ST24 that the personal identification numbers match, the user inserts the passbook into the passbook printer unit 23 through the passbook opening 7 in accordance with the guidance displayed on the operation unit 5. The passbook printer unit 23 reads the user's account information from the magnetic stripe of the passbook and transmits it to the main controller 32 (ST25).

Next, the customer service unit 26 displays input guidance of the withdrawal amount, and when the user inputs the withdrawal amount from the operation unit 5 (ST26), the customer service unit 26 displays the input amount on the operation unit 5. Then, the user approves the withdrawal amount (ST27). At the timing of obtaining approval for this withdrawal amount, confirmation processing of fee collection to the user is performed.

That is, the main control unit 32 first determines whether it is necessary to collect a fee for this transaction based on the collection condition of the fee information stored in the storage unit 29 (ST28).
When it is determined that the fee needs to be collected, the storage unit 2
The fee amount corresponding to the collection condition is read from the fee information stored in 9 and it is determined whether the input withdrawal amount is only withdrawing coins (ST29). Then, when it is determined that the coin is not dispensed only, the ratio of the commission amount to the dispensed amount input in ST26 is calculated (ST3.
0).

Next, it is determined whether or not the ratio calculated in ST30 exceeds a preset reference value (ST31), and if it is determined that the ratio exceeds the reference value, the customer service unit 26 determines as shown in FIG. A different fee confirmation screen 40 is displayed on the operation unit 5 (ST32). Also, when it is determined in ST29 that only coins are withdrawn, the customer service unit 26 displays a fee confirmation screen 40 as shown in FIG. 6 on the operation unit 5 (S).
T32). If it is determined in ST28 that it is not necessary to collect the fee, or if the ratio of the fee amount does not exceed the reference value in ST31, the customer service unit 26 displays an amount confirmation screen on the operation unit 5 (ST33). .

When the cancel key 41 is pressed by the user on the fee confirmation screen 40 or the amount confirmation screen (ST34), the main control unit 32 suspends the transaction and the card reader unit 21 causes the card slot 6 to open the card. The passbook printer unit 23, and the passbook passport 7
Will be returned from (ST39). Further, when the user presses the correction key 43 on the fee confirmation screen 40 or the amount confirmation screen (ST34), the user can re-input the withdrawal amount from the operation unit 5 (ST26).

When the user presses the confirmation key 42 on the fee confirmation screen 40 or the amount confirmation screen to obtain approval of the withdrawal amount and the like (ST34), the main control section 3
2 communicates with the host computer 35 online via the transmission control unit 31 to transmit the user's account information and the amount to be dispensed, and inquires whether the user can make a transaction (ST35). The host computer 35 determines whether or not the transaction is possible based on the account information of the user transmitted from the automatic transaction device 1 (ST36).

In the automatic transaction device 1, when it is received from the host computer 35 that the transaction is possible, the bill deposit / withdrawal unit 24 and the coin deposit / withdrawal unit 25 count the bills / coins corresponding to the dispensed amount, Prepare the amount of money (ST37). And the banknote deposit / withdrawal unit 2
4 and the coin depositing / dispensing unit 25 dispense the dispensed banknotes and dispensed coins from the banknote slot 3 and the coin receiving slot 10 respectively (S).
T38).

In parallel with the payment of the amount to be dispensed, the card reader unit 21 returns the card from the card slot 6, and the passbook printer unit 23 makes a passbook based on the print information.
The transaction contents are printed and the passbook is returned from the passbook opening 7 (ST39).

In the present embodiment, when the transaction is approved by the user, the fee is displayed to confirm the fee collection to the user. As a result, it is possible to prevent the mis-collection of the fee for the transaction due to the user's erroneous operation, and to collect the fee commensurate with the transaction content desired by the user.

Further, in the present embodiment, when a transaction for which a fee is collected is made, the ratio of the fee amount to the transaction amount is calculated. Then, when the calculated ratio of the fee amounts exceeds a preset reference value, the fee collection is confirmed. Therefore, the fee collection can be confirmed to the user only when the amount of the fee does not match the transaction amount (high amount), and the transaction can be performed smoothly without causing any discomfort to the user. Can be done. Further, even when a low transaction amount is input due to a user's erroneous operation, it is possible to prevent the false collection of fees and collect a fee commensurate with the transaction content desired by the user. .

Further, in the present embodiment, the information about the fee collected as required by the transaction of the automatic transaction device 1 is stored in the host computer 35 in the form of a table, and the fee amount is based on the fee collection condition. Is updated, the updated new fee information is transmitted from the host computer 35 to the automatic transaction apparatus 1. From this, the automatic transaction device need only hold only the necessary information, and the load on the automatic transaction device is reduced. However, the present invention is not limited to this, and the table information relating to the above-mentioned fees in the automatic transaction device can be stored. It may be stored and the fee amount may be automatically updated or the fee amount may be determined by the automatic transaction device.

[0052]

As described above, according to the present invention,
It is possible to prevent low-value transactions due to erroneous operation by the user, and to collect a fee commensurate with the transaction content desired by the user.

[Brief description of drawings]

FIG. 1 is a flow chart illustrating a confirmation process of a fee collection to a user at the time of approval by a user of a transaction according to the automatic transaction device 1 of the present invention.

FIG. 2 is an external perspective view of the automatic transaction apparatus 1.

FIG. 3 is a sectional view illustrating a configuration of an automatic transaction apparatus 1 and an automatic transaction system A.

FIG. 4 is a diagram showing fee information stored in a host computer 35 and an automatic transaction device 1.

FIG. 5 is a flow chart for explaining the processing of updating the amount of fee information and the collection condition in the automatic transaction system A from the host computer 35 to the automatic transaction apparatus 1.

FIG. 6 is a diagram illustrating a fee confirmation screen 40 displayed on the operation unit 5 of the automatic transaction device 1.

FIG. 7 is a flow chart for explaining a withdrawal transaction processing operation in the automatic transaction device 1.

FIG. 8 is a diagram illustrating a user waiting screen which is an initial screen of the operation unit 5 of the automatic transaction device 1.

[Explanation of symbols]

 A automatic transaction system 1 automatic transaction device 3 bill slot 5 operation part 6 card slot 7 passbook slot 31 transmission control part 32 main control part 35 host computer 40 fee confirmation screen

Claims (5)

[Claims] 1. An automatic transaction device for conducting a withdrawal transaction for withdrawing cash by a user's operation, input means for inputting a withdrawal amount relating to the withdrawal transaction, and information regarding a fee collected when performing the withdrawal transaction. Storage means for storing, and a fee determination means for determining whether or not the withdrawal transaction in which the withdrawal amount is input from the input means based on the information about the fee stored in the storage means needs to collect a fee, If the fee determination means determines that the withdrawal transaction needs to collect a fee, the display means for displaying the amount of the collected fee stored in the storage means, and the fee displayed on the display means Correction instruction means for instructing the correction of the withdrawal amount based on the amount of money, and the above input when correction of the withdrawal amount is instructed by the correction instruction means An automatic transaction device, comprising: a control unit that re-inputs the amount of money to be dispensed from the unit. 2. Whether the withdrawal transaction is a withdrawal transaction for withdrawing only coins based on the withdrawal amount input from the input means when the withdrawal transaction is determined by the fee determining means to collect a fee The coin judging means for judging, and the amount of withdrawal money inputted from the input means and the amount of the fee stored in the storing means when the coin judging means judges that the transaction is a withdrawal of coins only. The automatic transaction apparatus according to claim 1, further comprising: display control means for displaying on the means. 3. An automatic transaction device for conducting a withdrawal transaction for withdrawing cash by a user's operation, input means for inputting a withdrawal amount relating to the withdrawal transaction, and information regarding a fee collected when performing the withdrawal transaction. Storage means for storing, and a fee determination means for determining whether or not the withdrawal transaction in which the withdrawal amount is input from the input means based on the information about the fee stored in the storage means needs to collect a fee, A ratio for calculating the ratio of the amount of the fee stored in the storage means to the amount of withdrawal input from the input means when it is determined by the fee determination means that the withdrawal transaction needs to collect a fee Calculating means and determining whether or not the ratio of the fee amount to the withdrawal amount calculated by the ratio calculating means exceeds a preset reference value The ratio determining means displays the withdrawal amount input from the input means when the ratio determining means determines that the ratio does not exceed the reference value, and the ratio determining means determines that the ratio exceeds the reference value. Display means for displaying the withdrawal amount input from the input means, the amount of the fee stored in the storage means, and guidance information indicating that the fee will be collected, and the amount displayed on the display means. Correction instruction means for instructing correction of the amount of withdrawal based on information, and control means for executing re-input of the amount of withdrawal from the input means when correction of the amount of withdrawal is instructed by the correction instruction means An automatic transaction device comprising: 4. An automatic transaction device for performing a predetermined transaction by a user's operation, wherein a transaction selecting means for selecting a desired transaction from among the transactions and a transaction amount relating to the transaction selected by this transaction selecting means are inputted. Input means, a storage means for storing information on a fee collected when conducting a transaction, and a transaction for which the transaction amount is input from the input means based on the information on the fee stored in this storage means Is a withdrawal transaction, and the transaction determining means determines that the transaction selected by the transaction selecting means is a withdrawal transaction. A transaction determining means for determining whether there is a transaction amount, and a transaction amount input from the input means when the transaction determining means determines that the transaction is a withdrawal transaction. Display means for displaying the amount of the fee stored in the storage means and guidance information indicating that the fee is to be collected, and correction instruction means for instructing correction of the transaction amount based on the amount information displayed on the display means. And a control means for executing re-input of the transaction amount from the input means when the correction instruction means gives an instruction to correct the transaction amount. 5. An automatic transaction device for performing a predetermined transaction by a user's operation, by inputting a transaction selecting means for selecting a desired transaction from among the transactions and a transaction amount related to the transaction selected by this transaction selecting means. Input means, a storage means for storing information on a fee collected when conducting a transaction, and a transaction for which the transaction amount is input from the input means based on the information on the fee stored in this storage means Is a withdrawal transaction, and the transaction determining means determines that the transaction selected by the transaction selecting means is a withdrawal transaction. Transaction determining means for determining whether or not there is a transaction amount input from the above input means when the transaction determining means determines that the transaction is a withdrawal transaction. And a ratio calculation means for calculating the ratio of the amount of the fee stored in the storage means, and a ratio for judging whether the ratio of the amount of the fee to the transaction amount calculated by the ratio calculation means exceeds a preset reference value. Judgment means and when the ratio judgment means judges that the ratio does not exceed the reference value, the transaction amount input from the input means is displayed, and the ratio judgment means judges that the ratio exceeds the reference value. In this case, display means for displaying the transaction amount input from the input means, the amount of the fee stored in the storage means and guidance information indicating that the fee is to be collected, and the amount information displayed on the display means. Correction instruction means for instructing the correction of the transaction amount, and re-input of the transaction amount from the input means when the correction instruction means is instructed to correct the transaction amount. An automatic transaction apparatus comprising: a control unit that executes the transaction.