JPH11224365A - Device, method and system for automatic transaction - Google Patents

Abstract

PROBLEM TO BE SOLVED: To improve the convenience for a user by allowing him to specify the remainder after transaction. SOLUTION: When a transaction of remainder reference is selected in an initial menu picture displayed in a step ST2 (ST3, Y), remainder information received from a host computer is displayed together with a remainder specifying transaction menu picture (ST7). When the remainder specifying transaction is selected by the user (ST8, Y), a transaction amount is calculated based on the remainder specifying information inputted by the user and the remainder information received from the host computer in a step ST9, and based on this transaction amount, the remainder specifying transaction is executed (ST10).

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic transaction apparatus which is installed in a financial institution such as a bank and executes deposit and withdrawal processing in accordance with the operation of a customer, a transaction method applied to the automatic transaction apparatus, and a transaction method applied to the automatic transaction apparatus. The present invention relates to an automatic transaction system including an automatic transaction device.

[0002]

2. Description of the Related Art In recent years, automatic institutions for automatically performing various transactions have been introduced into financial institutions such as banks, and quick services have been provided to users.
The automatic transaction device accepts a magnetic card or a magnetic passbook on which account information sent by the user is recorded, and communicates online with a host computer (center) to automatically pay cash requested by the user. There are types such as a cash dispenser, an automatic teller machine that automatically accepts cash using a magnetic card or a magnetic passbook, or an automatic teller machine that combines both functions into one.

Further, recently, cash is received and the received cash is transferred to another bank account, or a predetermined amount is transferred from one's account to another bank account by a transaction using a magnetic card. An automatic teller machine capable of performing transactions and further changing the address of an account holder has been developed and put into practical use.

Here, an example of an operation method of the automatic transaction apparatus will be briefly described. A display unit and a transparent touch panel are provided on the customer service surface of the automatic transaction device so as to cover the display unit, and various items displayed on the display unit can be specified by the touch panel. For example, on the customer waiting screen before the start of the transaction, transaction items such as “Payment”, “Payout”, “Transfer”, “Transfer”, “Balance inquiry”, “Passbook entry”, “Change address” are displayed. ing. When a desired item is designated from the transaction items by the touch panel, the transaction of the designated item is executed.

[0005] When a desired transaction item is designated by the user on the touch panel, the transaction of the designated transaction item is executed. Then, in accordance with the request from the automatic transaction device, the user inputs a transaction amount to be transacted. On the automatic transaction device side, the transaction is executed based on the input transaction amount.

[0006]

In the conventional automatic transaction apparatus as described above, the user checks the balance deposited in his / her account before inputting the transaction amount, and checks the balance after the transaction. It is necessary for the user to calculate the amount that can be traded by himself so that the predetermined amount is reached.

[0007] As described above, since the conventional automatic transaction apparatus does not have a function of designating the balance after the transaction, it is necessary for the user to calculate the transaction amount by himself / herself, and the transaction is complicated. Troubles such as troublesome work and long transaction time occur.

SUMMARY OF THE INVENTION An object of the present invention has been made in view of the above-mentioned circumstances, and an automatic transaction apparatus and an automatic transaction apparatus capable of improving the convenience of a user by enabling designation of a balance after a transaction. An object of the present invention is to provide a transaction method applied to a transaction device and an automatic transaction system.

[0009]

In order to solve the above-mentioned problems and achieve the object, according to the first aspect, a designation means for designating a balance after a transaction, balance information before a transaction, and Transaction means for processing a transaction amount calculated based on the designated balance after the transaction.

According to a second aspect of the present invention, there is provided an automatic transaction apparatus connected to a host computer storing balance information, wherein the receiving means receives the balance information before the transaction from the host computer, and the balance after the transaction. And a transaction means for processing a transaction amount calculated based on the pre-transaction balance information received by the reception means and the post-transaction balance specified by the designation means.
There is provided an automatic transaction device comprising:

According to a third aspect of the present invention, there is provided an automatic transaction device connected to a host computer storing balance information, wherein the inquiry means for inquiring the host computer of the balance before the transaction, and Receiving means for receiving the pre-transaction balance information transmitted from the host computer in response to the request, and designation means for designating the post-transaction balance;
Balance information before the transaction received by the receiving means,
A transaction means for processing the transaction amount calculated based on the post-transaction balance designated by the designation means.

According to a fourth aspect of the present invention, there is provided an automatic transaction apparatus connected to a host computer storing balance information, wherein an inquiry means for inquiring the balance before the transaction to the host computer; Receiving means for receiving the pre-transaction balance information transmitted from the host computer in response to the request, and designation means for designating the post-transaction balance;
Balance information before the transaction received by the receiving means,
Calculating means for calculating the balance and difference after the transaction specified by the specifying means; and processing the transaction amount calculated based on the difference calculated by the calculating means and a commission generated as necessary. An automatic transaction device comprising: transaction means.

According to a fifth aspect of the present invention, there is provided an automatic transaction apparatus connected to a host computer which stores balance information, comprising: a designation means for designating a balance after a transaction; Transmitting means for transmitting the balance to the host computer, receiving means for receiving from the host computer a transaction amount calculated based on the balance information before the transaction and the balance after the transaction transmitted by the transmitting means. And a transaction means for processing the transaction amount received by the reception means.

According to a sixth aspect of the present invention, there is provided an automatic transaction device connected to a host computer storing balance information, wherein the request means requests a balance designation transaction designating a balance after the transaction, and the request means Specifying means for specifying the balance after the transaction in the balance specifying transaction requested by:
Transmitting means for transmitting the post-transaction balance designated by the designation means to the host computer; balance information before the transaction; and a transaction amount calculated based on the post-transaction balance transmitted by the transmission means. There is provided an automatic transaction apparatus comprising: a receiving unit that receives from the host computer; and a transaction unit that processes a transaction amount received by the receiving unit.

According to a seventh aspect of the present invention, there is provided an automatic transaction apparatus connected to a host computer storing balance information, wherein the requesting means requests a balance designation transaction designating a balance after the transaction, and the requesting means. Inquiry means for inquiring the host computer of the balance before the transaction in response to a request from
Receiving means for receiving the pre-transaction balance information transmitted from the host computer in response to the request from the inquiry means; specifying means for specifying the post-transaction balance; and pre-transaction balance received by the reception means There is provided an automatic transaction apparatus comprising: transaction means for processing a transaction amount calculated based on information and a post-transaction balance designated by the designation means.

According to an eighth aspect of the present invention, there is provided an automatic transaction apparatus connected to a host computer storing balance information, requesting means for requesting a balance designation transaction designating a post-transaction balance, and the requesting means. Inquiry means for inquiring the host computer of the balance before the transaction in response to a request from
Receiving means for receiving the pre-transaction balance information transmitted from the host computer in response to the request from the inquiry means; specifying means for specifying the post-transaction balance; and pre-transaction balance received by the reception means Information, calculating means for calculating the balance and difference after the transaction specified by the specifying means, and the difference calculated by the calculating means, and the transaction amount calculated based on the commission generated as necessary An automatic transaction apparatus comprising: a transaction means for performing processing.

According to a ninth aspect of the present invention, there is provided a transaction method applied to an automatic transaction apparatus connected to a host computer storing balance information, wherein the balance information before the transaction is received from the host computer. , Specifying a post-transaction balance, receiving the pre-transaction balance information,
Processing the transaction amount calculated based on the designated balance after the transaction and a transaction method.

According to a tenth aspect, there is provided a transaction method applied to an automatic transaction apparatus connected to a host computer storing balance information, wherein a step of designating a balance after the transaction, Transmitting the post-transaction balance to the host computer; receiving the transaction amount calculated based on the pre-transaction balance information and the transmitted post-transaction balance from the host computer; And a step of processing the transaction.

According to the eleventh aspect, there is provided a transaction method applied to an automatic transaction apparatus connected to a host computer storing balance information, wherein a step of requesting a balance designation transaction in which a balance after the transaction is designated. And, with this request,
Querying the host computer for the balance before the transaction, receiving the balance information before the transaction transmitted from the host computer, specifying the balance after the transaction, receiving the balance information before the transaction, And processing the transaction amount based on the designated balance after the transaction.

According to a twelfth aspect of the present invention, there is provided an automatic transaction system including a host computer storing balance information and an automatic transaction device connected to the host computer, wherein the automatic transaction device includes: Requesting means for requesting a balance designation transaction specifying the balance afterward, inquiry means for inquiring the balance before the transaction to the host computer in accordance with the request from the requesting means, and responding to the request from the inquiry means Receiving means for receiving the pre-transaction balance information transmitted from the host computer, designating means for designating the post-transaction balance, pre-transaction balance information received by the receiving means, designated by the designation means; Calculating means for calculating the balance and difference after the transaction, and calculating the difference based on the difference calculated by the calculating means and a fee generated as necessary. A transaction means for processing the forehead, the automatic transaction system comprising the provided.

[0021]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of an automatic transaction apparatus, a transaction method and an automatic transaction system according to the present invention will be described below with reference to the drawings. With reference to FIG. 1 and FIG. 2, an automatic transaction apparatus according to one embodiment of the present invention will be described. FIG. 1 is a perspective view schematically showing the external appearance of the automatic transaction apparatus. FIG. 2 is a diagram schematically showing an internal configuration of the automatic transaction apparatus.

As shown in FIG. 1, a housing 1 of the automatic transaction apparatus
Is formed on the front surface with a substantially L-shaped customer service operation unit 2. A bill slot 3 and a coin slot 4 are provided on the horizontal surface of the customer service operation section 2.
Is provided. The bill slot 3 has a lid that can be opened and closed, and plays a role as a bill receiving port and a bill receiving port.
That is, through this bill slot 3, receipt of a bill inserted from a customer and delivery of a bill to a customer are performed. The coin slot 4 has a lid that can be opened and closed, and plays a role as a coin receiving port and a coin receiving port. That is, through this coin slot 3, the receipt of the bill inserted from the customer and the delivery of the bill to the customer are performed.

A rectangular transparent touch panel 5 on which a user can input predetermined information by touching the surface with a finger is provided on a horizontal surface of the customer service operation section 2. Further, a color liquid crystal display device 6 having a rectangular display screen facing the touch panel 5 is provided on the lower surface of the touch panel 5.

The touch panel 5 is a transparent touch screen which is used by being superimposed on the display screen of the liquid crystal display device 6. When a predetermined area of the touch panel 6 is touched by the user, the touched area is detected by a change in capacitance, shielding of infrared rays, shielding of ultrasonic waves, or the like.

The liquid crystal display device 6 displays the operation guide procedure and other information on the screen in color using characters, words, illustrations or image information, guides the user's operation, and inputs various information necessary for transactions. Display various operation keys such as numbers, katakana characters, and English characters. Then, the touch panel 5 corresponding to the displayed operation key
A desired key input (input of various information, etc.) is accepted by touching the segment part of. That is, the touch panel 5 functions as an input receiving unit that receives a predetermined input.

A card slot 8, a card slot 8,
A passbook mouth 9, a speaker 10, and the like are provided. The card slot 8 accepts a magnetic card on which a personal identification number and an account number are recorded, or a transfer ticket on which transfer information is recorded, and discharges a receipt (detail slip) on which transaction details are printed. The passbook mouth 9 accepts a magnetic passbook. The speaker 10 provides various voice guidance to the user.

At a predetermined position on the front surface of the housing 1, a customer detector 30 for detecting a user located in front of the customer service operation section 2 is provided. On the other hand, inside the housing 1, a touch panel service unit 7 corresponding to the touch panel 5 and the liquid crystal display device 6, a card reader / receipt printer unit 11 corresponding to the card slot 8, a passbook printer unit 12 corresponding to the passbook 9, Banknote deposit and withdrawal unit 13 corresponding to banknote slot 3, and coin deposit and withdrawal unit 1 corresponding to coin slot 4
4. A control unit 15 for controlling the automatic transaction apparatus is provided.

Next, an internal configuration of the automatic transaction apparatus will be described with reference to FIG. The automatic transaction apparatus includes a touch panel service unit 7, a card reader / receipt printer unit 11, a passbook printer unit 12, a banknote depositing / dispensing unit 13, a coin depositing / dispensing unit 14, a control unit 15, a voice guidance unit 16, and an internal monitor 17.
And so on. In addition, the control unit 15 includes:
A storage unit 18, a floppy disk device 19, a transmission control unit 20, a main control unit 21, a power supply unit 22, and the like are provided.

As described above, the touch panel type customer service unit 7 includes the touch panel 5, the liquid crystal display device 6, and the like. The card reader / receipt printer unit 11 reads or writes data on a magnetic card or a magnetic stripe of a transfer ticket received from the card slot 8. Further, a receipt on which the details of the transaction are printed is issued, and the receipt is discharged from the card slot 8.

The passbook printer unit 12 reads or writes data on the magnetic stripe of the passbook received from the passbook opening 9 and prints data on the passbook as necessary.

The banknote pay-in / pay-out unit 13 receives, discriminates, counts, and stores banknotes which have been put into the banknote slot 3 all at once. Further, if necessary, a predetermined number of bills are taken out and paid out from the bill slot 3 at a time.

The coin receiving / dispensing unit 14 receives coins which have been put into the coin slot 4 all at once, discriminates, counts, and stores them. Further, if necessary, a predetermined number of coins are taken out and paid out from the coin slot 4 collectively.

The voice guidance unit 16 outputs voice for voice guidance to the speaker 10 according to the situation. The internal monitor 17 notifies the staff involved in the operation of the automatic transaction device of the status of the automatic transaction device. Further, various inputs from the staff are received.

The storage unit 18 stores a program of a processing procedure related to the operation of the automatic transaction apparatus, various kinds of information to be provided for the transaction, the contents of the transaction, the operation status of the automatic transaction apparatus, and the like.

The floppy disk device 19 receives a floppy disk in which various information of a financial institution necessary for the transfer transaction, for example, a bank name (or a branch name in some cases) as a financial institution name is stored in the order of the Japanese syllabary.

The transmission control unit 20 is connected online to a center host computer 24 via a communication line 23, and communicates with the host computer 24 as necessary.

The main control section 21 controls the units 7, 11 to 14, 16, the floppy disk device 19 and the transmission control section 20 while referring to the program in the storage section 18. That is, according to the control of the main control unit 21, a deposit transaction, a withdrawal transaction, a transfer transaction, a transfer transaction, a balance inquiry transaction,
In addition to the passbook entry transaction and the transaction that can specify the balance after the transaction, a balance-specified deposit transaction, a balance-specified withdrawal transaction, a balance-specified transfer transaction, and a balance-specified transfer transaction are executed.

Further, a remote monitor 25 is connected to the main control unit 21 so that the operation status of the automatic transaction apparatus can be monitored from a distance. The remote monitor 25 displays almost the same information as the internal monitor 17, and notifies the automatic transaction apparatus using a buzzer or the like when an abnormality occurs. Further, the main control section 21 is provided with a timer 21a functioning as a counting means, and various times are counted up by the timer 21a.

The power supply section 22 usually converts an input commercial AC voltage into a DC voltage and supplies it to each section as an operation power supply. When a power failure occurs, the power supply unit 22 includes a battery (not shown) for supplying operation power instead of the commercial AC voltage, and is charged as necessary by a charging circuit (not shown).

The host computer 24 stores account information for each user, that is, the account number of the user, the balance of the amount of money deposited in the account, a password, and the like. Next, with reference to FIG. 3 to FIG.
The operation according to the embodiment will be described in detail.

FIG. 3 is a flowchart for explaining the operation of the automatic transaction apparatus according to the first embodiment. That is, as shown in FIG. 3, the main control unit 21 determines whether or not the user is located in front of the customer service operation unit 2 based on the detection result from the customer detector 30 provided on the entire surface of the housing 1. Is detected (ST1).

When a user is detected in step ST1 (ST1, Y), the main control section 21 displays an initial menu screen on the liquid crystal display device 6 of the touch panel type customer service unit 7 (ST2).

At this time, for example, a display screen as shown in FIG. 9 is formed and displayed on the liquid crystal display device 6 as an initial menu screen 100. This initial menu screen 100
"Payment" button 100A for designating a withdrawal transaction, "Payment" button 100B for designating a deposit transaction, "Transfer" button 100C for designating a transfer transaction, "Transfer" button 100D for designating a transfer transaction, Various buttons such as a "passbook entry" button 100E for designating entry transactions and a "balance inquiry" button 100F for designating balance inquiry transactions are displayed.

Subsequently, the main control section 21 determines whether or not the user has selected the balance inquiry transaction on the initial menu screen 100 (ST3). That is, on the initial menu screen 100, a selection of a transaction is input via the touch panel 5. At this time, when the balance inquiry transaction is not selected (ST3, N), that is, on the initial menu screen 100, a "payout" button 100A, a "payment" button 100B, a "transfer" button 100C, and a "transfer" button 100D. If any one of the "passbook entry" buttons 100E is pressed, the selected transaction is executed by pressing the button (ST4).

FIG. 4 is a flowchart for explaining the outline of each transaction displayed on the initial menu. That is, when the user selects a transaction other than the balance inquiry transaction on the initial menu screen, the main
The processing according to the flowchart shown in FIG.

First, the main control unit 21 operates the “payout” button 1
By detecting whether or not 00A has been pressed, it is determined whether or not the withdrawal transaction has been selected (ST11). When the dispensing transaction is selected (Y in ST11), the dispensing transaction is executed (ST12).

When no withdrawal transaction is selected (ST1)
1, N), the main control unit 21 determines whether or not the deposit transaction is selected by detecting whether or not the “deposit” button 100B is pressed (ST13). Then, when the deposit transaction is selected (ST13, Y), the deposit transaction is executed (ST14).

When no deposit transaction is selected (ST1)
3, N), the main control unit 21 determines whether or not the transfer transaction is selected by detecting whether or not the “transfer” button 100C is pressed (ST15). When the transfer transaction is selected (Y in ST15), the transfer transaction is executed (ST16).

When no transfer transaction is selected (ST1)
(5, N), the main control unit 21 determines whether or not the transfer transaction is selected by detecting whether or not the "transfer" button 100D is pressed (ST17). Then, when the transfer transaction is selected (ST17, Y), the transfer transaction is executed (ST18).

When no transfer transaction is selected (ST1)
7, N), the main control unit 21 sets a “passbook entry” button 100
By detecting whether or not E is pressed, it is determined whether or not a passbook entry transaction is selected (ST19). When a passbook entry transaction is selected (ST19, Y), a passbook entry transaction is executed (ST20).

When the passbook entry transaction is not selected (S
T19, N), the main controller 21 sets the initial menu screen 10
Wait until any transaction button at 0 is pressed by the user.

On the other hand, as shown in FIG. 3, when the balance inquiry transaction is selected by pressing the “balance inquiry” button 100F on the initial menu screen 100 (ST3, Y), the main control unit 21 judges whether or not a transaction medium has been received (ST5). That is, the main control unit 2
1 judges whether a magnetic card as a transaction medium has been received from the card slot 8 or a magnetic passbook as a transaction medium has been received from the passbook port 9.

When the main control unit 21 determines that the transaction medium has been received from the card slot 8 or the passbook slot 9 (ST
5, Y), the account information is read from the received transaction medium, and it is determined whether or not the password input by the user is correct (ST6). That is, when the transaction medium is received, the main control unit 21 displays a display screen including the numeric keypad on the liquid crystal display device 6 to urge the user to input a password. Then, the main control unit 21 communicates with the host computer 24 connected via the communication line 23.

At this time, the host computer 24 determines whether or not the account information of the transaction medium received by the automatic transaction device corresponds to the password entered by the user.
If an unsupported password is entered (ST6,
N), prompt the user to enter a password again. If the account information corresponds to the personal identification number (ST
6, Y), the host computer 24 transmits balance information from the account information of the user corresponding to the automatic transaction apparatus.

Then, the main controller 21 of the automatic transaction device
On the basis of the balance information received from the host computer 24, the balance and the balance designation transaction menu screen are displayed on the liquid crystal display device 6 (ST7).

At this time, for example, a display screen as shown in FIG. 10 is formed, and displayed on the liquid crystal display device 6 as a balance designation transaction menu screen 110. The balance designation transaction menu screen 110 has a balance display area 110A for displaying the current balance, and a "balance designation withdrawal" button 110 for designating a balance designation withdrawal transaction to be a predetermined balance after the withdrawal transaction.
B, "Balance designated deposit" button 110C for designating a balance designated deposit transaction to be a predetermined balance after a deposit transaction, and designation of a balance designated transfer transaction for setting a user account to a prescribed balance after a transfer transaction to another account of another person "Balance transfer" button 110
D, "Balance designated transfer" button 110E for designating a balance designated transfer transaction in which the user's account has a predetermined balance after the transfer transaction to another account of the user, and designating the end of the transaction only with the balance inquiry transaction Various buttons such as a "transaction end" button 110F are displayed.

Subsequently, the main control unit 21 determines whether or not the user has selected any of the balance designation transactions on the balance designation transaction menu screen 110 (ST8).
That is, on the balance designation transaction menu screen 110,
Selection of a transaction is input via the touch panel 5. At this time, if the balance designation transaction is selected (ST8, Y),
That is, on the balance designation transaction menu screen 110,
When any one of the “Balance designated withdrawal” button 100B, the “Balance designated deposit” button 100C, the “Balance designated transfer” button 100D, and the “Balance designated transfer” button 100E is pressed, the main control unit 21 The balance designation transaction screen is displayed on the display device 6 (ST9).

At this time, for example, a display screen as shown in FIG. 11 is formed and displayed on the liquid crystal display device 6 as a balance designation transaction screen 120. This balance designation transaction screen 12
0, a balance display area 120A for displaying the current balance, that is, the balance before the transaction, a designated balance amount display area 120B for displaying the balance desired by the user after the transaction, and a fee for displaying a fee generated according to the type of the transaction. A display area 120C, a transaction amount display area 120D for displaying a transaction amount based on the balance before the transaction, the balance after the transaction, and the commission are displayed.

The balance designation transaction screen 120 includes:
A ten key 120E for the user to input the balance after the transaction, a "thousand" yen button 120F for specifying the amount in thousands of yen, a "tens" yen button 120G for specifying the amount in thousands of yen, "yen"
Button 120H, "Correction" button 120I for designating the amount correction, and "Confirm" button 1 for designating the amount confirmation
Various buttons such as 20J are displayed.

Then, the balance designation transaction menu screen 110
In, the transaction selected by pressing any one of the transaction buttons is executed (ST10). In step ST8, the balance designation transaction menu screen 110
If the "transaction end" button is pressed without selecting the balance designation transaction (ST8), the transaction is ended.

Next, each balance designation transaction applied to this automatic transaction apparatus will be described in more detail. FIG. 5 is a flowchart for explaining the balance designated withdrawal transaction.

The main control unit 21 first determines whether or not the balance-specified withdrawal transaction by pressing the “balance-specified withdrawal” button 110B on the balance-specified transaction menu screen 110 shown in FIG. A decision is made (ST21). When the balance-designated withdrawal transaction is not selected (ST21, N), the main control unit 21 ends the process.

When the main controller 21 determines that the balance-specified withdrawal transaction has been selected (ST21, Y), the user inputs the designated balance amount on the balance-specified transaction screen 120 shown in FIG. It is determined whether or not (ST22). That is, the main control unit 21 allows the user to enter the numeric keypad 12
0E, “Thousand” yen button 120F, “Million” yen button 120
It is determined whether or not the balance designated by the user has been input using G and the “yen” button 120H.

The main controller 21 displays the balance information received from the host computer 24, ie, the balance before the transaction, in the balance display area 120A, and displays the balance after the transaction input by the user in the designated balance amount area 120B.
To be displayed.

Then, the main control unit 21 determines the balance before the transaction,
The transaction amount is calculated based on the balance after the transaction and the commission generated in some cases (ST23). The commission is generated, for example, in the case of a transaction outside the specified time or in the case of a transaction at another financial institution different from the financial institution having the account.

That is, the main control unit 21 calculates, as the transaction amount, an amount obtained by subtracting the balance after the transaction and the commission generated as necessary from the balance before the transaction. For example, the balance before the transaction is 100,000 yen, and the balance after the transaction is 5
If it is 5000 yen and a commission of 105 yen is generated, the transaction amount is calculated as 44895 yen. And
On the balance designation transaction screen 120, the balance display area 12
"000000" is displayed in 0A, "55000" is displayed in the designated balance amount area 120B, "105" is displayed in the commission area 120C, and "44895" is displayed in the transaction amount area 120D.

Then, the user presses the "confirm" button 1
When the button 20J is pressed, the main control unit 21 releases the cash of the transaction amount and the transaction medium, issues a receipt if necessary (ST24), and ends the process of the designated balance dispensing transaction. .

FIG. 6 is a flowchart for explaining the balance designated payment transaction. First, the main control unit 21 is configured as shown in FIG.
In the balance designation transaction menu screen 110 shown in FIG.
It is determined whether or not the balance-specified deposit transaction has been selected by pressing the “balance-specified deposit” button 110C (S
T31). When the balance designation payment transaction is not selected (ST31, N), the main control unit 21 ends the process.

When the main control unit 21 determines that the balance-designated deposit transaction has been selected (Y in ST31), it determines whether the user has entered the designated balance amount on the balance-designated transaction screen 120 shown in FIG. It is determined whether or not it is not (ST32). That is, the main control unit 21 allows the user to enter the numeric keypad 12
0E, “Thousand” yen button 120F, “Million” yen button 120
It is determined whether or not the balance designated by the user has been input using G and the “yen” button 120H.

The main controller 21 displays the balance information received from the host computer 24, ie, the balance before the transaction, in the balance display area 120A, and displays the balance after the transaction input by the user in the designated balance amount area 120B.
To be displayed.

Then, the main control unit 21 determines the balance before the transaction,
A transaction amount is calculated based on the balance after the transaction (ST3).
3). That is, the main control unit 21 calculates, as the transaction amount, the amount obtained by adding the balance after the transaction to the balance before the transaction. For example, if the balance before the transaction is 100000 yen and the balance after the transaction is 155000 yen, the transaction amount is 550 yen.
It is calculated as 00 yen. Then, the balance designation transaction screen 120
In the balance display area 120A, "100000" is displayed.
Yen is displayed, and “155” is displayed in the designated balance amount area 120B.
000 ”yen and“ 0 ”in the commission area 120C.
Yen is displayed, and “5500” is displayed in the transaction amount area 120D.
"0" circle is displayed.

Then, the user presses the "confirm" button 1
When 20J is pressed, main controller 21 determines whether or not the transaction amount has been received from the user via bill slot 3 and coin slot 4 (ST34).

When the transaction amount is received from the user (ST34, Y), the main control unit 21 releases the change and the transaction medium generated in some cases, and issues a receipt as necessary. (ST35), the processing of the designated balance payment transaction ends.

FIG. 7 is a flowchart for explaining the balance transfer transaction. First, the main control unit 21 is configured as shown in FIG.
In the balance designation transaction menu screen 110 shown in FIG.
It is determined whether or not the balance-specified transfer transaction by pressing the “balance-specified transfer” button 110D is selected (S
T41). When the designated balance transfer transaction is not selected (ST41, N), the main control unit 21 ends the process.

If the main control unit 21 determines that the balance-specified transfer transaction has been selected (Y in ST41), the main control unit 21 determines whether the user has input the designated balance amount on the balance-specified transaction screen 120 shown in FIG. It is determined whether or not it is (ST42). That is, the main control unit 21 allows the user to enter the numeric keypad 12
0E, “Thousand” yen button 120F, “Million” yen button 120
It is determined whether or not the balance designated by the user has been input using G and the “yen” button 120H.

The main controller 21 displays the balance information received from the host computer 24, ie, the balance before the transaction, in the balance display area 120A, and displays the balance after the transaction inputted by the user in the designated balance amount area 120B.
To be displayed.

Then, the main control unit 21 determines the balance before the transaction,
The transaction amount is calculated based on the balance after the transaction and the commission generated in some cases (ST43). The commission is generated, for example, when conducting a transaction with another financial institution different from the financial institution having the account.

That is, the main control unit 21 calculates, as the transaction amount, the amount obtained by subtracting the balance after the transaction and the commission generated as necessary from the balance before the transaction. For example, the balance before the transaction is 100,000 yen, and the balance after the transaction is 5
If it is 5000 yen and a commission of 105 yen is generated, the transaction amount is calculated as 44895 yen. And
On the balance designation transaction screen 120, the balance display area 12
"000000" is displayed in 0A, "55000" is displayed in the designated balance amount area 120B, "105" is displayed in the commission area 120C, and "44895" is displayed in the transaction amount area 120D.

Then, the user presses the "confirm" button 1
If 20J is pressed, main controller 21 determines whether or not the user has input the transfer destination information (ST).
44).

That is, the main controller 21 causes the liquid crystal display device 6 to display kana character keys and numeric keys, and detects the transfer destination information input by the user via these keys. When the transfer destination information is input by the user (ST44, Y), a transfer process for transferring the transaction amount to the input transfer destination account is executed according to the input transfer destination information (ST45).

Then, the main control section releases the transaction medium and issues a receipt if necessary (ST46).
The process of the designated transfer transaction ends. FIG. 8 is a flowchart for explaining the designated balance transfer transaction. Here, an example will be described in which the account corresponding to the magnetic card as the first transaction medium received in step ST5 is transferred to the account corresponding to the magnetic passbook as the second transaction medium received in the designated balance transfer transaction. .

The main control unit 21 first determines whether or not the balance-designated transfer transaction by pressing the “balance designated transfer” button 110E on the balance-designated transaction menu screen 110 shown in FIG. 10 is selected. (ST51). When the designated balance transfer transaction is not selected (ST51, N), the main control unit 21 ends the process.

If the main control unit 21 determines that the designated balance transfer transaction has been selected (Y in ST51), the main control unit 21 determines whether the user has entered the designated balance amount on the designated balance transaction screen 120 shown in FIG. It is determined whether or not it is not (ST52). That is, the main control unit 21 allows the user to enter the numeric keypad 12
0E, “Thousand” yen button 120F, “Million” yen button 120
It is determined whether or not the balance designated by the user has been input using G and the “yen” button 120H.

The main controller 21 displays the balance information received from the host computer 24, ie, the balance before the transaction, in the balance display area 120A, and displays the balance after the transaction input by the user in the designated balance amount area 120B.
To be displayed.

Then, the main control unit 21 determines the balance before the transaction,
The transaction amount is calculated based on the balance after the transaction and the commission generated in some cases (ST53). That is, the main control unit 21 calculates, as the transaction amount, an amount obtained by subtracting the balance after the transaction and the commission generated as necessary from the balance before the transaction. For example, if the balance before the transaction is 100,000 yen, the balance after the transaction is 55,000 yen, and the commission is 105 yen, the transaction amount is 44895.
It is calculated as a circle. Then, on the balance designation transaction screen 120, “100,000” yen is displayed in the balance display area 120A, and “5500” is displayed in the balance designation amount area 120B.
"0" yen is displayed, and "105" is displayed in the commission area 120C.
Yen is displayed, and “4489” is displayed in the transaction amount area 120D.
5 "circle is displayed.

Then, the user presses the "confirm" button 1
When 20J is pressed, main controller 21 determines whether or not a magnetic passbook as a transaction medium has been received from passbook opening 9 by the user (ST54). That is, it is determined whether or not the user has inserted the magnetic passbook corresponding to the account as the transfer destination from the passbook opening 9.

If the main control unit 21 determines that the magnetic passbook as a transaction medium has been received (ST5)
4, Y), a transfer process of transferring the transaction amount to the account of the received transaction medium is executed (ST55).

Then, the main controller releases the magnetic card and the magnetic passbook as transaction media, issues a receipt if necessary (ST56), and ends the process of the designated balance transfer transaction.

As described above, in the operation of the automatic transaction apparatus according to the first embodiment, when the balance inquiry transaction is selected on the initial menu screen, the balance information received from the host computer is displayed on the balance designation transaction menu screen. And the balance designated transaction selected by the user is being executed. Then, the main controller of the automatic transaction device calculates the transaction amount based on the balance designation amount input by the user and the balance information received from the host computer, and executes the balance designation transaction based on the transaction amount. Be executed.

Therefore, the convenience of the user can be improved, the trouble of the user calculating the transaction amount can be eliminated, and the transaction time can be shortened.

Next, the operation of the automatic transaction apparatus according to the second embodiment will be described in detail with reference to FIGS. FIG. 12 is a flowchart for explaining an operation of the automatic transaction apparatus according to the second embodiment.

That is, as shown in FIG. 12, the main control section 21 has positioned the user in front of the customer service operation section 2 based on the detection result from the customer detector 30 provided on the entire surface of the housing 1. It is detected whether or not (ST61).

If the user is detected in step ST61 (ST61, Y), the main control section 21 displays an initial menu screen on the liquid crystal display device 6 of the touch panel type customer service unit 7 (ST62).

At this time, for example, a display screen as shown in FIG. 14 is formed and displayed on the liquid crystal display device 6 as an initial menu screen 130. This initial menu screen 13
0, a "withdrawal" button 130A for designating a withdrawal transaction;
A "Payment" button 130B for specifying a deposit transaction, a "Transfer" button 130C for specifying a transfer transaction, a "Transfer" button 130D for specifying a transfer transaction, a "Passbook" button 130E for specifying a passbook entry transaction, and a balance inquiry transaction. A "Balance Inquiry" button 130F to be designated, a "Balance Designated Withdrawal" button 130G to designate a balance designated withdrawal transaction after a withdrawal transaction, and a Balance Designated Payment Transaction to be a prescribed balance after a deposit transaction. "Balance designated deposit" button 130H,
"Balance designated transfer" button 130I for designating a balance designated transfer transaction in which the user's account has a predetermined balance after the transfer transaction to another account of another person; Various buttons such as a “Balance Transfer” button 130J for specifying a balance transfer transaction to be used as a balance are displayed.

Subsequently, main controller 21 determines whether any of the transactions has been selected by the user on initial menu screen 130 (ST63). That is, on the initial menu screen 130, a selection of a transaction is input via the touch panel 5.

When any one of the various buttons 130A to 130J is pressed on the initial menu screen 100 to select one of the transactions (ST6).
3, Y), main controller 21 determines whether or not a transaction medium has been received (ST64). That is, the main control unit 21
Determines whether a magnetic card as a transaction medium has been received from the card slot 8 or a magnetic passbook as a transaction medium has been received from the passbook port 9.

If the main control unit 21 determines that the transaction medium has been received from the card slot 8 or the passbook slot 9 (ST
64, Y), the account information is read from the received transaction medium, and it is determined whether or not the password input by the user is correct (ST65).

That is, when the transaction medium is received, the main control unit 21 causes the liquid crystal display device 6 to display a display screen including a numeric keypad, and prompts the user to input a personal identification number. Then, the main control unit 21 communicates with the host computer 24 connected via the communication line 23.

At this time, the host computer 24 determines whether or not the account information of the transaction medium received by the automatic transaction device corresponds to the password entered by the user.
If an unsupported password is entered (ST65,
N), prompt the user to enter a password again.

If the account information and the password correspond to each other (ST65, Y), the host computer 24
The balance information is transmitted from the user's account information corresponding to the automatic transaction device.

Then, the main controller 21 of the automatic transaction device
The balance information is received from the host computer 24, and in step ST63, the selected transaction is executed (ST66).

FIG. 14 is a flowchart for explaining the outline of each transaction displayed on the initial menu. That is, the main control unit 21 determines whether the dispensing transaction has been selected by detecting whether the “dispensing” button 130A has been pressed on the initial menu screen 130 (ST71). When the withdrawal transaction is selected (ST
71, Y), a withdrawal transaction is executed (ST72).

If No Withdrawal Transaction is Selected (ST7)
1, N), the main control unit 21 determines whether or not the payment transaction is selected by detecting whether or not the "payment" button 130B is pressed (ST73). Then, when the deposit transaction is selected (ST73, Y), the deposit transaction is executed (ST74).

When no deposit transaction is selected (ST7)
3, N), main controller 21 determines whether or not a transfer transaction has been selected by detecting whether or not "transfer" button 130C has been pressed (ST75). Then, when the transfer transaction is selected (ST75, Y), the transfer transaction is executed (ST76).

When no transfer transaction is selected (ST7)
5, N), the main control unit 21 determines whether or not the transfer transaction is selected by detecting whether or not the “transfer” button 130D is pressed (ST77). When the transfer transaction is selected (ST77, Y), the transfer transaction is executed (ST78).

When no transfer transaction is selected (ST7)
7, N), the main control unit 21 sets the “passbook entry” button 130
By detecting whether or not E is pressed, it is determined whether or not a passbook entry transaction is selected (ST79). When a passbook entry transaction is selected (ST79, Y), a passbook entry transaction is executed (ST80).

When Passbook Entry Transaction is Not Selected (S
T79, N), the main controller 21 sets the “Balance Inquiry” button 1
It is determined whether or not the balance inquiry transaction has been selected by detecting whether or not 30F has been pressed (ST81). When the balance inquiry transaction is selected (ST81, Y),
A balance inquiry transaction is executed (ST82). That is, the main controller 21 displays the current balance on the liquid crystal display device 6 based on the balance information received from the host computer 24.

When the balance inquiry transaction is not selected (S
(T81, N), the main control unit 21 determines whether or not the balance-specified withdrawal transaction has been selected by detecting whether or not the “specified balance withdrawal” button 130G has been pressed (ST8).
3). When the balance-specified withdrawal transaction is selected (ST
83, Y), based on the flowchart shown in FIG.
A balance designation withdrawal transaction is executed (ST84).

That is, the main control unit 21 performs the processing shown in FIG.
The balance designation transaction screen 120 for accepting the input of the current balance and the designated balance amount as shown in FIG. Then, the main control unit 21 calculates the transaction amount based on the balance designated amount input by the user, that is, the transaction amount, and executes the balance designated withdrawal transaction.

If the designated balance withdrawal transaction has not been selected (ST83, N), the main control unit 21 sets the “specified balance payment”.
By detecting whether or not the button 130H has been pressed, it is determined whether or not the balance designated payment transaction has been selected (S
T85). Then, when the balance designated payment transaction is selected (Y in ST85), the balance designated payment transaction is executed based on the flowchart shown in FIG. 6 (ST86).

That is, based on the balance information received from the host computer 24, the main control unit 21
The balance designation transaction screen 120 for accepting the input of the current balance and the designated balance amount as shown in FIG. Then, the main control unit 21 calculates the transaction amount based on the designated balance amount input by the user, that is, the amount after the transaction, and executes the designated balance payment transaction.

When the designated balance payment transaction has not been selected (N in ST85), the main control unit 21 sets the “specified balance transfer”.
By detecting whether or not the button 130I is pressed, it is determined whether or not the balance transfer transaction is selected (S
T87). Then, when the balance transfer transaction is selected (ST87, Y), the balance transfer transaction is executed based on the flowchart shown in FIG. 7 (ST88).

That is, based on the balance information received from the host computer 24, the main control unit 21
The balance designation transaction screen 120 for accepting the input of the current balance and the designated balance amount as shown in FIG. Then, the main control unit 21 calculates the transaction amount based on the balance designation amount input by the user, that is, the transaction amount, and executes the balance designation transfer transaction.

When the designated balance transfer transaction is not selected (ST87, N), the main control unit 21 sets the "balance designated transfer".
By detecting whether or not the button 130J is pressed, it is determined whether or not the balance transfer transaction is selected (S
T89). Then, when the designated balance transfer transaction is selected (ST89, Y), the designated balance transfer transaction is executed based on the flowchart shown in FIG. 8 (ST90).

That is, the main control unit 21 executes the processing shown in FIG. 11 based on the balance information received from the host computer 24.
The balance designation transaction screen 120 for accepting the input of the current balance and the designated balance amount as shown in FIG. Then, the main control unit 21 calculates the transaction amount based on the designated balance amount input by the user, that is, the amount after the transaction, and executes the designated balance transfer transaction.

When the balance transfer transaction is not selected (ST89, N), main controller 21 waits until any transaction button on initial menu screen 130 is pressed by the user.

As described above, in the operation of the automatic transaction apparatus according to the second embodiment, in the initial menu screen, ordinary transactions, ie, “withdrawal”, “payment”, “transfer”, “transfer”, “passbook” In addition to the buttons for specifying each transaction such as "fill" and "balance inquiry", the balance specification transaction that allows the user to specify the balance, that is, "balance specified withdrawal",
Buttons are provided for designating each transaction, such as “specified balance payment”, “specified balance transfer”, and “specified balance transfer”.

When a balance inquiry transaction or a balance designation transaction is selected, the balance information received from the host computer is displayed together with the balance designation transaction menu screen. Then, a transaction amount is calculated based on the balance designation amount input by the user and the balance information received from the host computer, and a balance designation transaction based on the transaction amount is executed.

Therefore, the convenience of the user can be improved, the trouble of the user calculating the transaction amount can be eliminated, and the transaction time can be shortened.

[0120]

As described above, according to the present invention, an automatic transaction apparatus capable of improving the convenience of a user by enabling designation of a balance after a transaction and a transaction applied to the automatic transaction apparatus A method as well as an automated trading system can be provided.

[Brief description of the drawings]

FIG. 1 is a perspective view schematically showing the appearance of an automatic transaction apparatus according to the present invention.

FIG. 2 is a block diagram schematically showing an internal configuration of the automatic transaction apparatus shown in FIG.

FIG. 3 is a flowchart for explaining a processing operation according to the first embodiment applied to the automatic transaction apparatus of the present invention.

FIG. 4 is a flowchart for explaining a processing operation of various transactions displayed on an initial menu in the processing operation shown in FIG. 3;

FIG. 5 is a flowchart for explaining a designated balance dispensing transaction applied to the automatic transaction apparatus of the present invention.

FIG. 6 is a flowchart for explaining a balance designated payment transaction applied to the automatic transaction apparatus of the present invention.

FIG. 7 is a flowchart for explaining a balance-specified transfer transaction applied to the automatic transaction apparatus of the present invention.

FIG. 8 is a flowchart for explaining a designated balance transfer transaction applied to the automatic transaction apparatus of the present invention.

FIG. 9 is a diagram illustrating a display example of an initial menu screen applied to the first embodiment;

FIG. 10 is a diagram illustrating a display example of a balance designation transaction menu screen applied to the first embodiment;

FIG. 11 is a diagram illustrating a display example of a balance designation transaction screen applied to the first and second embodiments.

FIG. 12 is a flowchart illustrating a processing operation according to a second embodiment applied to the automatic transaction apparatus of the present invention.

FIG. 13 is a flowchart for explaining a processing operation of various transactions displayed on an initial menu in the processing operation shown in FIG. 12;

FIG. 14 is a diagram illustrating a display example of an initial menu screen applied to the second embodiment;

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 ... Housing | casing 2 ... Hospitality operation part 3 ... Banknote 4 ... Coin slot 5 ... Touch panel 6 ... Color liquid crystal display device 7 ... Touch panel type customer service unit 8 ... Card slot 9 ... Passbook slot 11 ... Card reader / receipt printer unit 12 ... Bankbook printer unit 13 Banknote depositing / dispensing unit 14 Coin depositing / dispensing unit 15 Control unit 21 Main control unit 24 Host computer 30 Customer detector 100 Initial menu screen (first embodiment) 110 Balance designation Transaction menu screen 120 ... Balance designation transaction screen 130 ... Initial menu screen (second embodiment)

Claims (12)

[Claims] 1. Designating means for designating a post-transaction balance, transaction means for processing a transaction amount calculated based on balance information before transaction and a post-transaction balance designated by the designating means. An automatic transaction device comprising: 2. An automatic transaction apparatus connected to a host computer storing balance information, wherein the receiving means receives balance information before the transaction from the host computer, and the designation means designates the balance after the transaction. And the balance information before the transaction received by the receiving means,
And a transaction means for processing a transaction amount calculated based on the post-transaction balance designated by the designation means. 3. An automatic transaction apparatus connected to a host computer storing balance information, wherein the inquiry means inquires the host computer of the balance before the transaction, and wherein the inquiry means responds to a request from the inquiry means. Receiving means for receiving the pre-transaction balance information transmitted from the host computer; designating means for specifying the post-transaction balance; pre-transaction balance information received by the reception means;
And a transaction means for processing a transaction amount calculated based on the post-transaction balance designated by the designation means. 4. An automatic transaction apparatus connected to a host computer storing balance information, wherein said inquiry means inquires said host computer of the balance before a transaction, and said apparatus in response to a request from said inquiry means. Receiving means for receiving the pre-transaction balance information transmitted from the host computer; designating means for specifying the post-transaction balance; pre-transaction balance information received by the reception means;
Calculating means for calculating a difference between the post-transaction balance designated by the designating means, and processing of the transaction amount calculated based on the difference calculated by the calculating means and a commission generated as necessary. An automatic transaction device, comprising: 5. An automatic transaction apparatus connected to a host computer which stores balance information, wherein said designation means for designating a post-transaction balance, and said post-transaction balance designated by said designation means is transmitted to said host computer. Transmitting means for transmitting to the computer; receiving means for receiving from the host computer a transaction amount calculated based on balance information before the transaction and the balance after the transaction transmitted by the transmitting means; An automatic transaction apparatus comprising: a transaction means for processing a received transaction amount. 6. An automatic transaction device connected to a host computer storing balance information, wherein said request means requests a balance designation transaction designating a balance after the transaction, and said request means requests the balance designation transaction. In the balance designation transaction, designation means for designating a post-transaction balance, transmission means for transmitting the post-transaction balance designated by the designation means to the host computer, balance information before the transaction, and transmission by the transmission means Receiving means for receiving, from the host computer, a transaction amount calculated based on the balance after the transaction, and transaction means for processing the transaction amount received by the receiving means. Automatic transaction equipment. 7. An automatic transaction device connected to a host computer storing balance information, wherein the request means requests a balance designation transaction designating a balance after the transaction, and a request from the request means. Inquiry means for inquiring the host computer of the balance before the transaction, receiving means for receiving the balance information before the transaction transmitted from the host computer in response to the request from the inquiry means, Specifying means for specifying; balance information before the transaction received by the receiving means;
And a transaction means for processing a transaction amount calculated based on the post-transaction balance designated by the designation means. 8. An automatic transaction apparatus connected to a host computer storing balance information, wherein the request means requests a balance designation transaction designating a balance after the transaction, and a request from the request means. Inquiry means for inquiring the host computer of the balance before the transaction, receiving means for receiving the balance information before the transaction transmitted from the host computer in response to a request from the inquiry means, Specifying means for specifying; balance information before the transaction received by the receiving means;
Calculating means for calculating the balance and difference after the transaction specified by the specifying means; and processing the transaction amount calculated based on the difference calculated by the calculating means and a commission generated as necessary. An automatic transaction device comprising: a transaction means; 9. A transaction method applied to an automatic transaction device connected to a host computer storing balance information, the method comprising: receiving balance information before a transaction from the host computer; And a step of processing the transaction amount calculated based on the received balance information before the transaction and the designated balance after the transaction. 10. A transaction method applied to an automatic transaction device connected to a host computer storing balance information, wherein a step of designating a balance after the transaction, and Transmitting to the host computer; receiving the transaction amount calculated based on the balance information before the transaction and the transmitted balance after the transaction from the host computer; and processing the received transaction amount. And a transaction method comprising: 11. A transaction method applied to an automatic transaction device connected to a host computer storing balance information, wherein a request for a balance designation transaction designating a balance after the transaction is provided. Acquiring the balance before the transaction with the host computer, receiving the balance information before the transaction transmitted from the host computer, specifying the balance after the transaction, and receiving the balance before the transaction. Processing the transaction amount calculated based on the balance information and the designated balance after the transaction. 12. A host computer storing balance information, an automatic transaction device connected to the host computer,
An automatic transaction system comprising: a requesting unit for requesting a balance designation transaction in which a balance after a transaction is designated; and a host for storing the balance before the transaction in response to a request from the requesting unit. Inquiring means for inquiring a computer, receiving means for receiving pre-transaction balance information transmitted from the host computer in response to a request from the inquiry means, designating means for designating a post-transaction balance, and receiving means Pre-transaction balance information received by
Calculating means for calculating the balance and difference after the transaction designated by the designating means; and processing the transaction amount calculated based on the difference calculated by the calculating means and a commission generated as necessary. An automatic transaction system comprising: a transaction means;