KR0148670B1 - System and device for automatic transaction and method for calculating amount of money of transaction in this device - Google Patents

Abstract

Regarding an automatic transaction system or an automatic transaction system in which a customer operates to execute a transaction, the automatic transaction system is disposed in the center, and the communication means of the customer-specific information file 32 and the cash automatic transaction apparatus relating to the transaction for each customer. A host computer 30 having a 31 and a store arranged at a store and handling the display means 11, the operation means 12, the card slip handling means 13 for handling the customer's card slip, and the passbook handling. Means 14, the amount calculating means 19, the cash handling means 21 for performing the discrimination, counting, storing and discharging of cash in the cash handling means in accordance with the transaction, the transaction executing means 22, and controlling these means. It consists of a cash automatic transaction apparatus 10 having a control means 23 for.

This makes it possible to display information other than the input amount of money and to perform calculations according to the setting conditions for convenient use.

Description

Automatic trading device, method of calculating the amount of trading and automatic trading system

1 is a block diagram showing a schematic configuration of an automatic teller machine according to an embodiment of the present invention and a host computer of a center.

2 is a PAD diagram for illustrating an example of the operation of transaction handling of the automatic teller machine.

FIG. 3 shows an example of a screen for prompting the customer to indicate the amount of money to be withdrawn in the transaction handling operation of FIG. 2. FIG.

FIG. 4 is a diagram showing an example of a screen for showing a customer the amount of money to be withdrawn, the balance, etc. in the transaction handling operation of FIG.

FIG. 5 shows an example of a screen for prompting a customer to indicate an amount of money to be paid in the transaction handling operation of FIG.

FIG. 6 is a diagram showing an example of a screen for showing a customer the amount of money, fees, etc. paid in the transaction handling operation of FIG.

FIG. 7 shows an example of a screen for prompting a customer to indicate a condition regarding a transaction amount in the transaction handling operation of FIG.

FIG. 8 is a diagram showing one example of a screen for presenting a customer with conditions and a transaction amount, etc., relating to the transaction amount in the transaction handling operation of FIG.

9 is a diagram showing another example of a screen for prompting a customer to indicate an amount of money to be withdrawn in the transaction handling operation of FIG.

FIG. 10 is a diagram showing one example of the contents of information stored in a periodic transaction storage means in the host computer of the embodiment of FIG.

FIG. 11 is a diagram showing an example of a screen for presenting information on the amount of money to be withdrawn, the total amount of a scheduled transaction, and a periodic transaction to a customer in the transaction handling operation of FIG.

FIG. 12 is a PAD diagram showing an operation example of an automatic teller machine according to another embodiment of the present invention in the schematic configuration of FIG.

The present invention relates to an automatic transaction apparatus for performing a transaction or payment of cash while operating by a customer, and also relates to a method for calculating a transaction amount of such an automatic transaction apparatus and an automatic transaction system.

In recent years, financial institutions have a cash automatic transaction system that executes cash transactions while operating by the customer himself, and an automatic payment machine that executes cash payments by the customer himself in order to save labor costs and to execute prompt transactions. A large number of so-called automatic trading devices such as the above are installed in the terminal. In these automatic trading devices, customers operate their own trading operation devices to execute transactions such as cash withdrawal, deposit, and payment. When executing these transactions, the customer needs to enter the amount of the transaction into the automatic trading device.

By the way, in the conventional automatic trading device, when the customer inputs an amount of money, for example, the amount of money actually executed by the customer is disclosed as disclosed in the transaction control device described in Japanese Patent Laid-Open No. 59-157785. It was supposed to be entered through this keyboard.

However, in the above-described automatic trading apparatus of the prior art, in the following cases, an effort to calculate the amount of money to be traded before the transaction or to investigate the amount of money information necessary for the calculation is forcing the customer.

In detail, it is the case that first, a certain amount is left in the account and all other cash is withdrawn or the amount of the account is deposited to be a certain amount. For example, in an account for automatic payment such as utility bills, it is necessary to save an amount to be automatically paid later. Therefore, when withdrawing cash from the account or depositing an insufficient amount for the scheduled automatic payment, the customer needs to trade at an amount such that the balance of the account after the transaction becomes more than the scheduled automatic payment. To do this, the customer had to first examine the current balance, calculate the difference between the expected automatic payment and the current balance, and find the amount to trade according to the result.

Moreover, it was inconvenient for the customer to pay the payment fee by the payment partner. This is because in this case, the customer must first investigate the fees required to make a payment, subtract the fee from the amount to be paid to the other party, and calculate the amount to be paid.

As described above, the conventional automatic trading apparatus has been compelled to make an effort for the customer to input the transaction amount or to investigate the amount of information necessary for the calculation. In addition, during this calculation, humans are easy to make mistakes, and they also give customers anxiety that the calculation may be wrong.

The object of the present invention is to solve the inadequate consideration of the customer in the above-mentioned automatic trading apparatus of the prior art, that is, to reduce the effort when the customer inputs the transaction amount, etc. The present invention provides an automatic trading device, a method of calculating the transaction value, and an automatic transaction system, which are convenient for a customer, which can execute an input and can relieve anxiety of input error of a transaction amount to a customer.

More specifically, even in the case of a transaction in which the transaction amount cannot be obtained without calculating all the amounts based on the amount, the customer calculates the transaction amount automatically by investigating the necessary amount information only by instructing the calculation method without calculating the transaction amount. It is to provide an automatic trading device capable of displaying and executing a transaction.

It is another object of the present invention to provide an automatic trading device which enables the customer to check the transaction amount calculated before the execution of the transaction or any amount used for the calculation, and if necessary, change the transaction amount.

Another object of the present invention is to check whether the transaction amount entered at the time of the transaction satisfies the condition indicated beforehand if the customer instructs the condition regarding the transaction amount in advance. It is to provide an automatic trading device that can be changed.

Still another object of the present invention is to provide an automatic transaction apparatus for presenting the amount of information for reference when a customer inputs a transaction amount.

The solution of the present invention for achieving the above object is described next.

The above object is an automatic transaction apparatus which automatically executes a transaction corresponding to the transaction amount indicated by the customer, and the card bank account handling means for handling the customer's card or bankbook, at least the instruction of the customer including the transaction amount Operation means for inputting, display means for displaying at least the amount of money indicated by the operation means to a customer, transaction execution means for executing a predetermined process according to the contents of the transaction, and control means for controlling the above means; In addition, the display means is achieved by an automatic transaction apparatus characterized in that the information on the other amount of money is displayed on the amount of money indicated by the customer.

In addition, the above object of the present invention is an automatic transaction apparatus that automatically executes a transaction corresponding to a transaction amount instructed by a customer, and includes a card bank handling means for handling a customer's card or bankbook, and at least a transaction amount. Operation means for inputting a customer's instruction, display means for displaying at least the amount of money indicated by the operation means to the customer, transaction execution means for executing a predetermined process according to the contents of the transaction, and for controlling the above means And an amount calculating means for automatically calculating a transaction amount in accordance with a method for calculating a transaction amount instructed by a customer by said operation means.

In addition, the above object of the present invention is disposed in the center, at least to handle the customer's card or bank account by the customer-specific information file about the transaction for each customer, the host computer having a communication means, the automatic transaction device disposed in the store Card bank handling means, operating means for inputting a customer's instructions including at least a transaction amount, display means for displaying at least the amount indicated by the operating means to the customer, the amount indicated by the operating means by the customer Cash handling means for performing the discrimination, counting, receiving and releasing of the cash in accordance with the transaction; transaction execution means for executing the discrimination, counting, receiving and releasing of the cash in accordance with the transaction; Amount calculation means for automatically calculating a transaction amount in accordance with a method for calculating a transaction amount instructed by a control means by the customer by the control means And an automatic transaction device including communication means for performing transmission and reception of information on a transaction with the host computer, and automatically executing a transaction corresponding to a transaction amount instructed by a customer. Is achieved by an automated trading system.

In addition, the object of the present invention described above is a method of calculating a transaction amount in an automatic transaction apparatus which automatically calculates a corresponding transaction amount according to a calculation method of a transaction amount instructed by a customer, and executes the transaction of the amount automatically. Thereby prompting the customer to select a transaction, displaying the customer's amount information necessary for the transaction according to the transaction selected by the customer, and executing the transaction based on the transaction amount entered or confirmed by the customer. It is achieved by the calculation method.

In addition, according to the present invention as an embodiment of the present invention, there is provided a means for instructing a customer instructing a method of calculating a transaction amount, a means for leading the amount of money information necessary for the calculation method instructed by the customer from a storage means in which the amount of money information is stored. Means for calculating the transaction amount according to the calculation method instructed by the customer using the amount information, a means for confirming the customer by displaying the calculated transaction amount and the amount of information used for the calculation, and a transaction for an amount other than the calculated amount. If the customer desires, there is disclosed an automatic trading device having means for inputting a new transaction amount to the customer and means for executing a transaction with the calculated and confirmed transaction amount or the new transaction amount input by the customer.

Further, in the present invention, in the embodiment, in particular, a means for the customer to input an amount remaining after the transaction for executing a transaction in which the transaction amount depends on the balance after the transaction, and a storage means for storing the balance of the customer's transaction account. Means to lead the current balance, to calculate the difference between the lead balance and the amount entered by the customer, to at least display to the customer the displayed balance and the difference calculated, and to trade if the difference is not calculated The present invention discloses an automatic trading apparatus having a means for inputting a new transaction amount to a customer, and means for executing a transaction with the calculated and confirmed difference or a new transaction amount input by the customer.

In the present invention, in particular, the customer inputs the total amount necessary for the transaction, and the means for leading the fee from the storage means for storing the fee required for the transaction, particularly in the case of executing a transaction whose transaction amount depends on the fee. Means for calculating the amount by which the commission has been subtracted from the total amount entered by the customer, at least displaying the commission and the amount calculated, and confirming to the customer; An automatic trading apparatus is disclosed which has means for causing a customer to input a new transaction amount and means for executing a transaction with the calculated and confirmed amount of the customer or the new transaction amount input by the customer.

In the present invention, according to the embodiment, the means for instructing the customer about the conditions relating to the transaction amount in the case of the transaction, the means for storing the condition instructed by the customer, the means for the customer to input the transaction amount at the time of the transaction, Means for reading the condition indicated by the customer in the means for storing the indicated condition, and if the amount of money is needed when comparing the transaction amount input by the customer with the condition indicated by the customer, Means for leading necessary amount information in a storing means for storing, and means for calculating necessary amount information when it is necessary to calculate other amount information when comparing a transaction amount input by the customer with a condition instructed by the customer And comparing the amount of transaction entered by the customer with the condition indicated by the customer using the amount of money information and the amount of money information calculated. Means for confirming to the customer by displaying the transaction amount entered by the customer and the condition instructed by the customer when the comparison result does not satisfy the condition indicated by the customer; Discloses an automatic trading device having means for inputting a new transaction amount to a customer and means for executing a transaction with the transaction amount input by the customer or a new transaction amount input by the customer.

Further, in the present invention, as the embodiment, the storage means for storing the date of the transaction regularly traded in the customer's account, the amount of money and the transaction period for each item of the transaction, and when the transaction that is regularly traded is executed, Means for writing the date traded and the amount traded, the date traded with the transaction item in the storage means, the means for leading the traded amount and the trade cycle, the date of the lead and the lead cycle to be executed from now on within a certain period of time. Means for estimating a predetermined transaction item, means for calculating a total amount of a transaction amount of a transaction item that is to be executed from now on within a predetermined period of time, transaction items that are to be executed from now on at least within the predetermined period, and a calculated transaction schedule An automatic trading device having a means for displaying a total amount of money and a means for a customer to input a transaction amount is started It can control.

Further, in the present invention, in the embodiment, the means for inputting the transaction amount by the customer, the means for reading the current balance from the storage means for storing the balance of the customer's transaction account, the time at which the customer inputs the transaction amount or more An automatic trading device having a means for displaying a current balance of a customer has been disclosed.

The action by the above means will be described next.

That is, according to the above-described automatic transaction apparatus and automatic transaction system, the display means includes, for example, an account balance, a payment fee or a payment amount, and a fee that is regularly paid to the amount instructed by the operation means by the customer. By displaying various information on the required amount as a reference when the customer indicates the amount of money, etc., it is possible to reduce the effort when the customer inputs the amount of the transaction, and to enter the amount of the transaction without error. In addition, it becomes possible to provide an automatic trading device that is convenient for the customer to be able to solve the anxiety of the input miss of the transaction amount to the customer.

In addition, according to the above-described automatic transaction apparatus according to the present invention, by providing a value calculation means for automatically calculating a transaction amount in accordance with a method of calculating a transaction amount instructed by a customer, for example, a transaction fee and a regular transaction By making it possible to estimate or calculate the amount of money, and further compare it with the conditions regarding the amount of transaction instructed by the customer, it also reduces the effort when the customer enters the amount of the transaction, etc. It is possible to provide a convenient automatic trading device for the customer who can enter the user, and can solve the anxiety of the input miss of the transaction amount to the customer.

Further, according to the transaction amount calculation method according to the present invention described above, the customer is urged to select a transaction necessary for the transaction, and the customer's amount information necessary for the transaction is calculated and displayed to the customer according to the transaction selected by the customer. By carrying out the transaction with the amount of the transaction entered or confirmed by the customer while referring to this amount information, it is possible to reduce the effort when the customer enters the transaction amount, etc., and input the transaction amount without error. In addition, it becomes possible to provide an automatic trading device that is convenient for the customer to be able to solve the anxiety of the input miss of the transaction amount to the customer.

In addition, in the above-described embodiment of the present invention, the calculation method instructed by the customer when the customer instructs the calculation method of the transaction amount, specifically, the calculation formula consisting of the amount remaining after the transaction, the total amount of the transaction, the current balance and the arithmetic symbol, and the like. The lead means reads the necessary amount information, specifically, balance information and fee information from the storage means, and the calculation means calculates the transaction amount according to the calculation method instructed by the customer using the read amount information to execute the transaction. do. Therefore, the customer does not need to examine and calculate the required amount of information.

In the above-described embodiment of the present invention, before the transaction is executed, the calculated amount and all the amounts used for the calculation are displayed and confirmed to the customer, and if necessary, a new amount is inputted to the customer so that the new amount is entered. Run the transaction. Therefore, the customer can confirm the amount calculated before the transaction execution, and may execute a transaction of an amount other than the calculated amount.

In the above-described embodiment of the present invention, the storage means stores the instructed condition when the customer instructs the condition regarding the transaction amount in advance. Then, the lead means reads the condition indicated at the time of the transaction, and the comparison means compares the transaction amount and the condition input by the customer, and determines whether the condition is satisfied. If different amount of money information is required at the time of comparison, the reading means reads from the storing means for storing the necessary amount of money information, and the calculating means calculates the required amount of money information. If the result of the comparison does not satisfy the condition, the transaction amount is confirmed to the customer, and the change is made if necessary. Therefore, if the customer instructs the conditions regarding the transaction amount in advance, the customer can confirm without calculating whether or not the transaction amount entered in the transaction satisfies the conditions regarding the transaction amount. You can change the amount.

Further, in the above-described embodiment of the present invention, since the lead means reads from the storage means the amount of money information, specifically, the information of the regular transaction or the balance information, when the transaction amount is input, the customer makes a transaction. It's easy to guess how much you want to spend.

EMBODIMENT OF THE INVENTION Hereinafter, it demonstrates in detail, referring an accompanying drawing of embodiment of this invention.

First, FIG. 1 is a block diagram showing a schematic configuration of an automatic transaction apparatus according to an embodiment of the present invention. In this block diagram, reference numeral 10 denotes an automatic teller machine and 30 a host computer system of the center, and the center of the cash machine 10 and the host computer system 30 of the center are described later. It is connected by the communication means 17 with the.

The automatic teller machine 10 is provided with a display means 11, an operation means 12, a card slip handling means 13 and a card slip handling means 14. The display means 11 is a display made of a liquid crystal panel, a CRT, or the like for displaying input and operation guidance by various keys such as a ten key or a selection key, and the operation means 12 is displayed on the display means 11. For example, the touch panel includes a touch panel for inputting information or giving an instruction by pressing a portion corresponding to various keys such as a ten key or a selection key. In addition, in the following description, pressing the operation means 12 of the part corresponding to the key displayed on the display means 11 is abbreviated as pressing of a key.

The card slip handling means 13 executes a process of reading or writing the card information, which is a customer's transaction medium, and issuing a transaction name cell, and the bankbook handling means 14 registers the executed transaction in the account.

In addition, the automatic cash transaction apparatus 10 includes transaction fee storage means 15, transaction fee lead means 16, communication means 17 with the center, estimated transaction estimation means 18, amount calculation means 19, A value and condition comparison means 20, a cash handling means 21, a transaction execution means 22, and a control means 23 are provided.

The transaction fee storage means 15 is for storing a fee required for a transaction for each transaction time, day of the week, and place of business. The transaction fee lead means 16 is for leading the fee according to the time, day of the week, and the place of transaction by the customer in the transaction fee storage means 15.

The communication means 17 with the center transmits and receives information about a transaction between the host computer system 30 of the center of the store where the automatic teller machine 10 is installed.

Further, the scheduled transaction estimating means 18 is now within a certain period on the basis of the transaction date and the transaction period in the information about the periodic transaction led by the periodic transaction storage means 35 of the host computer system 30 of the center, which will be described later. Infer the transaction item to be executed. The amount calculation means 19 is used for the purpose of calculating the transaction amount instructed by the customer using the operation means 12 or the amount necessary for comparing the transaction amount or the transaction amount with the conditions according to the conditions relating to the transaction amount instructed in advance. Calculate the amount.

The amount and condition comparison means 20 relates to the transaction amount instructed by the customer using the operation means 12 and the transaction amount led by the transaction amount condition storage means 34 of the host computer system 30 of the center described later. The conditions are compared to determine whether or not the condition regarding the transaction amount indicated by the customer is satisfied.

In addition, the cash handling means 21 executes the discrimination, counting, storing and discharging of the cash (in addition, the cash handling means 21 is not necessary for an automatic payment machine or the like). In addition, the transaction execution means 22 communicates with the host computer system 30 of the center by the communication means 17 with the center, and executes authentication of the customer, transmission of transaction details, and the like according to the transaction. The cash handling means 21 performs discrimination, counting, storing or ejection of cash.

In addition, in the transaction contents transmitted to the host computer system 30 of the center, the transaction amount is calculated by the amount calculation means 19 by the customer inputting the above operation means 12 or instructed to be calculated by the customer. It corrected according to this need. The control means 23 is a means for controlling the respective means in the above-mentioned automatic teller machine 10, and is comprised by the central processing unit.

Next, a description will be given of the host computer system 30 of the center which is the counterpart of the communication means 17 which communicates with the center in the automatic teller machine 10. The host computer system 30 is installed in the center and is connected to a plurality of automatic teller machines 10 installed at stores in various locations, and the host computer system 30 communicates with the automatic teller machine 31. ), The customer-specific file 32 and the customer-specific file lead-writing means 36 are provided.

First, the communication means 31 with the automatic teller machine is for communicating with the communication means 17 with the center of the automatic teller machine 10, and for transmitting and receiving information on the transaction. . The customer-specific file 32 is a file provided in the host computer system 30 of the center. In this embodiment, for example, the balance and transaction history storage means 33, the transaction amount condition storage means 34, and the periodic transaction memory are stored. Means (35). In addition, the information in this customer-specific file 32 is permitted to be displayed to the customer only when the customer is guaranteed to be a regular customer, for example, by checking the password, for the purpose of ensuring the privacy of the customer.

Further, the customer-specific file read-write means 36 read-write the information in each storage means of the customer-specific file 32 described above. The information read by the customer specific read write means 36 is communicated by the communication means 31 with the automatic teller machine 31 with the communication means 17 with the center of the automatic teller machine 10. Communication is sent to the automatic teller machine 10. The information to be written is received by the automatic teller machine 10 in the same manner.

Here, if the contents of the storage means of the customer-specific file 32 will be described in detail, the balance and transaction history storage means 33 is a storage device for storing the customer's transaction balance or transaction history, Each time a transaction is executed, the balance or transaction history is written. The transaction value condition storage means 34 stores a condition in which the customer instructs about the transaction amount of his or her account, such as the upper limit of the transaction amount or the amount remaining after the transaction. In addition, the regular transaction storage means 35 memorizes the transaction date, transaction amount, and transaction period of the transaction which are regularly traded in the customer's account by transaction item, and the transaction is executed every time a regular transaction is executed for the customer's account. The date of year and the transaction amount are written.

Next, the operation of the automatic transaction apparatus, which has been described in detail in FIG. 1, will be mainly described using the PAD diagram in FIG. 2 together with the operation example. First, as a first example, a case where a customer wants to withdraw an amount of money, leaving 20,000 yen in preparation for automatic payment of utility bills, for example, a month is described.

As is also clear from the figure, the automatic teller machine 10 initially displays the kinds of trades that can be traded on the display means 11, and selects a desired transaction from the customer. In this example, the customer selects "draw" (step 101).

The apparatus then prompts the customer to insert the card or bankbook into the card slip handling means 13 or the bankbook handling means 14, and to input the password into the operation means 12 (step 102). At this time, the control means 23 receives the information of whether the customer selected the item of setting a condition regarding the transaction amount in the transaction selection and judges the next processing (step 103). That is, in the case of the above-described withdrawal transaction, the customer selected the withdrawal transaction instead of the item of setting the conditions relating to the transaction amount in the transaction selection. Travel with the treatment you get from.

In the process of obtaining the information necessary for this transaction from the customer, the amount of money designation method is selected and the amount of money is input (step 106). First, prompt the customer to indicate the amount to withdraw. FIG. 3 shows an example of an input screen prompting the customer to instruct this withdrawal amount. In this input screen, reference numeral 41 denotes a withdrawal amount designation method selection key, and the customer specifies whether to withdraw the amount to be withdrawn (corresponding to the upper selection key) or the amount of money to be left after withdrawing (corresponding to the lower selection key). Choose. In addition, (42) in the figure is a number and amount input key, and the customer inputs a required number or amount using this key. Also, in this example, the customer withdraws the full amount, leaving 20,000 yen, so select the "remaining amount" (lower selection key) with the withdrawal amount designation method selection key 41, and then "20,000" with the number and the amount input key 42. ''. Subsequently, the control means 23 receives the information that the customer inputs the amount of money in what amount specifying method (step 107). In this case, the customer inputs the amount of money to be left after the transaction, not the transaction amount (NO), and then proceeds to processing for calculating the transaction amount.

In the calculation processing of this transaction amount, since the customer's current balance information is needed to calculate the transaction amount from the amount to be left after the transaction, the communication means 17 with the center in the automatic teller machine 10 (see FIG. 1). Communication is carried out with the communication means 31 with the automatic teller machine of the host computer system 30 of the center, and the balance of the customer-specific files 32 is stored in the file read / write means 36 for each customer. Then, the transaction history storage means 33 reads the balance information, receives the read information, and executes reading of the amount of money information (step 116).

Further, using the read balance information and the amount information input by the customer with the number and the amount input key 42, the amount calculating means 19 calculates the transaction amount (step 117). In this case, in the case of a cash automatic transaction device that can withdraw and withdraw in thousand and ten thousand units, the amount remaining after the transaction is more than the amount indicated by the customer, and the withdrawal amount is adjusted to be the largest. Here, assuming that the current balance is 53,864 yen, the amount calculating means 19 performs the following calculation.

The payment unit is 1,000 yen, so if you cut less than 1,000 yen,

Is obtained.

The amount of money calculated by the amount calculating means 19 and the transaction amount such as balance information used for the calculation are displayed on the display means 11 to be presented to the customer for confirmation by the customer (step 118).

4 shows an example of a screen for presenting to the customer the amount to be withdrawn, the balance and the like displayed on the display means 11 at the time of presentation of the transaction amount and the like. In this figure, reference numeral 43 denotes a confirmation key, and the customer presses this confirmation key 43 when executing a transaction at the suggested amount. Further, reference numeral 44 denotes a correction key, and the customer presses the correction key 44 when he or she wishes to trade at an amount different from the suggested amount.

Subsequently, the control means 23 judges whether or not the customer wishes to correct the amount of money (step 119). As a result, when the customer determines that the amount of money is corrected ("YES"), the amount of money calculated by the amount calculating means 19, the amount of money used for the calculation, the number required to correct the amount of money, and the amount of money. The input key 42 is displayed on the display means 11 to allow the customer to correct the amount of money. Thereby, the customer can correct the transaction amount (step 120) while referring to the amount displayed on the display means 11.

Thereafter, other information required for a transaction is also input depending on the type of transaction (step 121), but this step is unnecessary in the case of this transaction. In addition, the transaction execution means 22 executes the transaction (step 122), finally executes the release of cash, card, bankbook and the like and ends the transaction (step 123).

Next, as a second example, we explain the case where a customer wants to add 64,000 yen to his account, including a fee.

Initially, the customer is allowed to make a desired transaction selection (step 101). In this example, the customer chooses "pay". In addition, the customer is prompted to insert a card or bankbook and to enter a password (step 102).

Subsequently, the control means 23 receives the information of whether or not the item of setting a condition relating to the transaction amount has been selected in the transaction selection of the customer, and judges the next processing (step 103). In the case of the payment transaction in the second example, the customer selected the payment transaction (“NO”) in the transaction selection, not the item of setting the conditions for the transaction amount in the transaction selection. The process proceeds to the obtaining process (step 103).

First, the customer is urged to instruct the payment amount in order to select the amount specification method and input the amount (step 106). 5 shows an example of a screen for prompting the customer to indicate the amount of money to be paid at this time. In the figure, reference numeral 45 denotes a payment amount designation method selection key, and the customer selects whether to designate a "payment amount of money" (upper key) or "amount including fees" (lower key). In this example, since the customer pays 64,000 yen including the fee, the user selects `` amount including fee '' with the payment amount designation method selection key 45, and then `` 64,000 yen '' with the number and the amount input key 42. Will be entered.

Thereafter, it is determined whether or not the customer inputs an amount including a fee, that is, a transaction amount (step 107), and the process proceeds to the next process according to the result. In this case, since the customer inputs an amount ("NO") including a fee rather than the transaction amount, the customer proceeds to processing for calculating the following transaction amount.

In the calculation of the transaction amount, fee information is required to calculate the transaction amount from the amount including the fee. Therefore, the transaction fee lead means 16 causes the transaction fee storage means 15 to perform transaction time, day of the week or fee information according to the payment location. The amount of money information is read (step 116). Further, using the read fee information and the amount information input by the customer with the number and the amount input key 42, the amount calculating means 19 calculates the transaction amount (step 117).

We assume a fee of 309 yen here. Then, the amount calculating means 19 performs the following calculation.

The amount of money calculated by the amount calculation means 19 and fee information used for the calculation are displayed on the display means 11 and presented to the customer (step 118) to confirm to the customer. 6 shows an example of a screen for presenting the paid amount, fee, etc. to the customer. In the figure, the customer presses the "confirmation" key 44 when executing a transaction at the presented transaction amount and wishes to conduct a transaction at an amount different from the presented amount.

Thus, the control means 23 judges whether or not the customer wishes to correct the amount of money (step 119). As a result, when the customer wishes to correct the amount of money ("YES"), the customer is executed to correct the transaction amount while referring to the calculated amount or the like (step 120).

Thereafter, in general, in the case of payment, since information such as payment location is required other than the payment amount, information necessary for the customer is input using the operation means 12 (step 121), and the transaction execution means 22 executes a transaction (step 121). 122). Finally, the transaction is terminated by discharging the card, the specification table, the bankbook, and the like (step 123).

Next, as a third example, a description will be given of an operation in which a customer sets a condition regarding a transaction amount in advance and confirms whether or not the transaction amount input by the customer at the time of a transaction satisfies the condition set in advance.

First, an operation in the case where a customer sets a condition regarding a transaction amount will be described.

Initially select the desired transaction for the customer. In the case of this example, the customer selects the item "setting of conditions relating to the transaction amount" in the transaction selection (step 101). Thereafter, similarly to the above-described example, the customer is prompted to insert the card and the password is input (step 102), and it is then judged whether or not the setting of the transaction amount condition is selected (step 103).

By the way, in this third example, in the judgment (step 103) of whether or not to select the setting of the transaction amount condition, the customer selected ("YES") the item of setting the condition regarding the transaction amount in the transaction selection, The process proceeds to the setting of conditions relating to the transaction amount.

In the process of setting the conditions relating to the transaction amount, the customer is urged to first enter and instruct the conditions relating to the transaction amount (step 104). Specifically, as shown in FIG. 7, a screen for prompting the customer to instruct a condition relating to the transaction amount is displayed on the display means 12. As shown in FIG. In this display screen, 46 is a condition type selection key, and the customer selects the type of condition to be set. In this example screen, the amount of money to be withdrawn and the amount of money to be left can be set. In addition, (47) is a conditional symbol key, and the customer uses these keys to prepare the desired conditional expression. In the example shown in the figure, for example, in order to prepare for automatic payment of utility bills, if you always want to leave more than 20,000 yen in your account, select "amount to leave" with the condition type selection key 46. Then, the numerical value input key 42 and the conditional symbol key 47 are inputted as " 20000 N ".

For example, in a case where a parent wants to limit the amount of money he or she withdraws during one week of the child, select the "to withdrawal amount" key from the kind type selection key 46 of the condition. And " 3000 yen per 7 days " by the conditional symbol key 47.

Next, when the customer has finished entering the condition, the communication means 17 with the center communicates with the host computer system 30 of the center, and the transaction value condition storage means 34 of the customer-specific file 32 is executed. The transaction value condition entered by the customer is written (step 105). Finally, the card or the statement is released and the transaction is terminated (step 123).

As mentioned above, although the operation | movement in setting the transaction value condition of a customer was described, the operation | movement in the case where a customer performs a transaction according to the transaction value condition set hereafter is demonstrated.

Here, for example, an operation in the case where the customer executes a withdrawal transaction thereafter while setting the transaction price condition to "amount of money remaining> 20,000 yen" in setting the transaction price condition described above will be described next.

In this case, the cash automatic transaction apparatus 10 first selects a desired transaction from the customer (step 101). In this example, the customer selects "draw". The automatic teller machine 10 also prompts the customer to insert a card or bankbook and to input a password (step 102). Thereafter, it is determined whether or not the setting of the transaction amount condition is selected (step 103). In this case, however, in the transaction selection (step 101), the customer selects a withdrawal transaction that is not the setting of the transaction amount condition ("NO"). Transition to processing to obtain information required from customers.

First, the display screen illustrated in FIG. 3 is displayed on the display means 12, prompting the customer to instruct the amount of money to be withdrawn (step 106), and determining whether or not the transaction amount has been entered. In this example, the customer selects "the amount of money to be withdrawn" with the withdrawal amount designation method selection key 41, and inputs "35000 yen" with the number and the amount input key 42. Therefore, in this example, the automatic teller machine 10 inputs the amount of money to be withdrawn by the customer ("YES"), so that the transaction proceeds to processing for comparing the input transaction amount with the set condition.

In the processing for comparing the input transaction amount with the set condition, communication means 17 with the center of the automatic teller machine 10 communicate with the host computer system 30 of the center to store the transaction value condition. The means 34 reads the setting conditions of the transaction amount of the customer's account (step 108). In this case, since the setting condition is set to perform the comparison with the amount of money left, it is necessary to calculate a new balance when the amount of money to be compared with the amount left, i. Thus, the control means 23 reads the balance information from the balance and transaction history storage means 33 to the communication means 17 with the center (step 109). Then, the amount calculating means 19 calculates a new balance which is the comparison amount (step 110). Here, assuming that the current balance is 53,864 yen, the amount calculating means 19 performs the following calculation.

Thereafter, based on the calculated amount information, the amount in the automatic cash transaction system 10 and the condition comparison means 20 compare the transaction amount with the setting condition (step 111), and whether the transaction amount satisfies the setting condition. It is judged whether or not (step 112). In this case, the new balance will be less than the amount left to be set by the customer, so that the condition is not satisfied ("NO").

Thus, the transaction amount, setting conditions and the like are displayed on the display means 11 to confirm to the customer (step 113). At this time, FIG. 8 shows an example of a screen for presenting a condition and a transaction amount, etc., related to the transaction amount to the customer. By this presentation screen, the customer presses the confirmation key 43 when the transaction is to be executed at a different amount from the presented amount when the transaction is executed at the proposed transaction amount.

As a result, the control means 23 judges whether or not the customer wishes to correct the amount of money (step 114). As a result, when the customer wishes to correct the amount of money ("YES"), as shown in FIG. Correction is made (step 115).

Thereafter, other information necessary for a transaction is also input according to the type of transaction (step 121). However, this withdrawal is unnecessary, and the transaction execution means 22 executes the transaction (step 122). Finally, the cash, card, bankbook, etc. are released and the transaction is terminated (step 123).

Here, in the case where the withdrawal transaction is executed while the condition of the transaction amount is set to "the amount of withdrawal ≤ 3000 yen per 7 days", the communication means 17 with the center in step 109 of the above-described operation example is executed. Communication with the host computer system 30 is executed to lead the transaction history within 7 days in the balance and transaction history storage means 30. In step 110, the sum of the amounts of money withdrawn by the amount calculating means 19 within 7 days is calculated, and in step 111, the amount of money is compared with the transaction amount input by the condition comparison means 20, and this condition is satisfied. Determine whether or not. Thereafter, the same operation as described above.

Next, as a fourth example, in step 104 or step 106 of the operation example, the amount calculation means 19 causes the customer to input the amount itself, such as the transaction amount, the amount to be left after the transaction, and the amount including the fee. The method to calculate will be described.

9 shows another example of a screen displayed on the display means 11 to prompt the customer to indicate the amount of money to be withdrawn in step 106 above. In this figure, reference numeral 48 denotes an arithmetic symbol key, and the customer prepares an equation for calculating the desired amount of money using this key.

For example, the amount of money that a customer wants to leave after a transaction is the sum of electric bill 8,000 yen, gas bill 5,000 yen, and water bill 3,000 yen. In this case, the customer selects the "amount to be left" with the withdrawal amount designation method selection key 41, and the number, the amount input key 42 and the arithmetic symbol key 48 to "8000, +5000, +3000," Will be entered.

Thereafter, in step 107, it is determined whether or not a transaction amount has been entered. In this case, it is determined as "NO", and since the amount of money left by the customer is subsequently input, the process proceeds to processing for calculating the transaction amount.

First, the balance information is read from the balance and transaction history storing means 33 of the host computer system 30 (step 116). Here, assuming that the current balance is 53,864 yen, the amount calculating means 19 performs the following calculation.

The payment unit is 1,000 yen, so less than 1,000 yen will be cut off.

Becomes

In this way, the amount of money calculated by the amount calculating means 19 and the balance information used for the calculation are displayed on the display means 11 to confirm to the customer (step 118).

For example, in the above step 106, when the customer selects "amount to be left" with the withdrawal amount designation method selection key 41, and selects "the automatic payment amount" with the arithmetic symbol key 48, each means is as follows. Works together.

First, since the customer selected the amount of money to be left, the process proceeds to the processing for determining the next transaction amount in step 107 by determining "NO".

Next, the communication means 17 with the center of the automatic teller machine 10 instructs the balance information and the transaction history storage means 33 of the host computer system 30 to read the balance information and calculate the automatic payment due amount. Since the regular transaction storage means 35 leads to the information about the periodic transaction (step 116).

10 shows an example of the content of the information stored in the periodic transaction storage means 35. As shown in FIG. As is clear from the figure, the regular transaction storage means 35 memorizes the transaction cycle of the transaction which is regularly traded to the customer's account, such as automatic payment of utility bills, the date of the latest transaction, and the transaction amount.

Next, the scheduled transaction estimating means 18 assumes a transaction item to be executed from now on within a predetermined period. As a method of estimating, a transaction period is added to the date of the latest transaction stored in the periodic transaction storage means 35, and the added date is included in a predetermined period as a transaction item to be executed from now on. In the example shown in FIG. 10, when a certain period is set to April 26 to May 25, the transaction items to be executed from now on are "waterworks" and "telephones".

Thereafter, the amount calculating means 19 calculates the total amount of the scheduled transaction of the transaction item to be executed from now on (step 117). The estimated transaction amount does not change much from the previous transaction amount, and totals the previous transaction amount. Then, the amount of money withdrawn from the current balance is calculated as follows. In this case, we assume a current balance of 53,864 yen.

The payment unit is 1,000 yen, so less than 1,000 yen will be cut off.

Becomes

The withdrawal amount and the estimated transaction total amount thus calculated are displayed on the display means 11 together with the information on the periodic transaction (step 118). FIG. 11 shows an example of a screen for presenting information about the amount of money to be withdrawn, the total amount of the scheduled transaction, and the periodic transaction to the customer.

Incidentally, since step 119 in which the customer decides whether or not the amount of money is desired to be corrected is the same as in the above operation example, the detailed description thereof is omitted here.

As such, according to the present embodiment, when a customer wants to withdraw cash from an account but has a desire to leave a certain amount in the account, the amount that can be automatically traded is calculated by simply inputting the amount to be left. . Therefore, it is possible to reduce the effort of the customer to examine the balance, and to determine the amount of money to be subtracted from the balance to be withdrawn from the balance. In addition, even if the calculated amount is not the desired amount, correction can be made. However, since the calculated amount is displayed on the display means 11 at the time of the correction, the customer can adjust the withdrawal amount to be input by referring to them. This reduces the effort of calculating, determining, and adjusting the amount of money of the customer, which makes the work very easy.

In addition, according to the present embodiment, even when the customer pays the burden of paying the fee, the customer automatically calculates the payment amount only by inputting the amount including the fee. Therefore, it is possible to reduce the effort of investigating the amount of the fee according to the situation at that time and subtracting the amount of the fee from the amount required to be paid by the other party, and there is no investigation and error or miscalculation of the fee at that time. This ensures that transactions can be executed with confidence.

In addition, according to the present embodiment, when a customer inputs a transaction amount that does not satisfy the set condition at the time of a transaction by setting a condition relating to the transaction amount in advance, it prompts confirmation of the input transaction amount and executes the transaction. Rest assured that you can change the transaction amount before.

In addition, according to the present embodiment, even if the amount of the transaction or the amount of money to be left after the transaction cannot be obtained without calculating from the historical data, it is not necessary to make an effort to calculate the calculation simply by instructing the calculation method. . In addition, the reference amount to be prepared in the transaction account to be executed within a certain period of the regular transaction is displayed, so that the customer can easily estimate the amount to be left in case the balance should be prepared for the regular transaction, and the calculation of the amount is easy. .

In addition, in the present embodiment, the automatic payment due amount is calculated to obtain the amount to be withdrawn from the account or the amount to be left. However, the present invention is not limited to this, but the automatic payment due amount is calculated and displayed for reference when the customer enters the transaction amount. good. In that case, the customer can enter the transaction amount while looking at the calculated automatic payment amount.

In addition, it is possible to use the transaction amount of the same month of the previous year instead of the previous transaction amount.

In the present embodiment, the withdrawal transaction and the payment transaction have been described, but the present invention can also be applied to the deposit transaction. In that case, the customer chooses what he wants to do, either the input of the amount of cash he wants to deposit or an indication of the amount to leave after the transaction. When the instruction of the amount of money to be left after the transaction is executed, the balance information of the host computer system 30 and the transaction history storing means 33 are read out, and the difference between the leaded Django and the amount of money left to be instructed by the customer is read. The amount calculation means 19 calculates. Thereafter, the calculated amount is presented to the customer to inject cash of the amount required by the customer.

Therefore, the customer can reduce the trouble of investigating the current balance and calculating how much to deposit.

In the present embodiment, the automatic teller machine 10 communicates with the host computer system 30 of the center to lead the balance information in the balance and transaction history storage means 33 to the customer. Although the method is executed after the selection of the method and the input of the amount of money, the method is not limited to such a method. For example, the method may be executed before the customer selects the method of specifying the amount of money and inputs the amount of money.

12 is another embodiment of the present invention, using the cash automatic transaction apparatus of the first embodiment of the present invention to communicate with the host computer system 30 of the center before the customer selects the method of specifying the amount of money and inputs the amount of money. The operation in the case where the balance and transaction history storage means 33 leads the balance information is shown in the PAD diagram, and the operation in this case will be described next.

In Fig. 12, the steps with the same numerals as those in Fig. 2 perform the same operations as those in the above-described operation. Therefore, it demonstrates centering around what is different from said 2nd figure here.

The operation is performed by first inserting a card or bankbook and inputting a password in step 102, and in step 103 the process of obtaining information necessary for a transaction from a customer is performed. If the password is correct, the balance information is read from the customer's balance and transaction history storing means 33 of the host computer system 30 (step 201).

In step 106, the display means 11 displays the current balance to the customer, and causes the customer to select a method for specifying the amount of money and input the amount of money. Then, the customer can input the necessary amount after knowing the amount to be traded or the amount to be traded by referring to the screen displayed on the display means 11, so that the target of the amount to be entered can be easily determined. This method is especially effective for all transactions in which the account balance increases or decreases. This method is also applicable to an automatic transaction apparatus having no amount calculation means 19.

In other embodiments, the customer was first input of the amount of money information required for the transaction, but the order of the input may be arbitrary. In addition, in the embodiment of FIG. 1, the balance and transaction history storage means 33, the transaction value condition storage means 34, or the periodic transaction storage means 35 provided in the host computer system 30 are for example instead of this. The information may be provided in the transaction card of the customer, or the information in the existing storage means in which the same information is stored may be used.

In addition, in the embodiment of FIG. 1, items of transactions stored in the regular transaction storage means 35 provided in the host computer system 30 are generally regularly traded such as automatic payment of utility bills, tuition fees, and payment of rent. The selection may be made automatically, or the customer may be selected instead.

Lastly, in the above-described embodiment, an automatic cash transaction system has been described as an example. However, the present invention is, for example, an automatic transaction apparatus in which a customer executes a transaction by specifying an amount, such as an automatic cash dispenser or an automatic payment machine. It can be applied even.

As is clear from the above detailed description, according to the automatic trading apparatus, the method for calculating the transaction value and the automatic transaction system of the present invention, even if the customer executes a transaction in which the transaction amount cannot be obtained without calculating all the amounts based on the customer, By simply inputting the method of calculating the transaction amount, the automatic transaction apparatus calculates and displays the required amount of information, so that the customer can reduce the cumbersome effort of investigating and calculating the necessary amount of information, and the calculation is executed. Since the customer solves the calculation without any anxiety at the time of making a mistake, it is possible to provide an automatic trading device, a method of calculating the transaction value, and an automatic trading system which are convenient for the customer.

In addition, according to the embodiment of the present invention, the calculated amount is presented to the customer before the transaction is executed, so that the customer can rest assured and, if necessary, can enter a new transaction amount while referring to the suggested amount.

In addition, according to the embodiment of the present invention, if the conditions relating to the transaction amount are set in advance, it is possible to prompt confirmation when a transaction amount that does not satisfy the set condition can be prompted, and the transaction amount can be changed before the transaction is executed. to be.

In addition, according to the embodiment of the present invention described above, since the information on the regular transaction or the balance information can be referred to when the transaction amount is input, the amount to be input can be easily estimated.

Claims (15)

An automatic transaction apparatus that automatically executes a transaction corresponding to a transaction amount instructed by a customer, comprising: a card bank handling means for handling a customer's card or bankbook, and an operation means for inputting a customer's instruction including at least a transaction amount Display means for displaying at least the amount of money indicated by the operation means to the customer, transaction execution means for executing a predetermined process according to the contents of the transaction, and control means for controlling the above means; And the display means displays information on the amount of money other than the amount instructed by the customer. 2. The automatic transaction apparatus according to claim 1, wherein the information on the amount of money other than that displayed on the display means includes information on the amount or amount of money to be left in the account. 2. The automatic transaction apparatus according to claim 1, wherein the information on the amount of money other than that displayed on the display means includes information on a payment fee or a payment amount. 2. The automatic transaction apparatus according to claim 1, wherein the information on the amount of money other than that displayed on the display means includes a fee that is regularly paid or a fee that is automatically paid. 2. The automatic transaction apparatus according to claim 1, wherein the information on the amount of money other than that displayed on the display means includes the current balance of the customer. An automatic transaction apparatus that automatically executes a transaction corresponding to a transaction amount instructed by a customer, comprising: a card bank handling means for handling a customer's card or bankbook, and an operation means for inputting a customer's instruction including at least a transaction amount Display means for displaying at least the amount of money indicated by the operation means to the customer, transaction execution means for executing a predetermined process according to the contents of the transaction, and control means for controlling the above means; And an amount calculating means for automatically calculating the transaction amount in accordance with the calculation method of the transaction amount instructed by the customer by the means. 7. A transaction fee storage means according to claim 6, further comprising a transaction fee storage means for storing information on transaction fees and a transaction fee lead means for reading information from the transaction fee storage means instructed by a customer. Automatic trading device. 7. The automatic transaction apparatus according to claim 6, further comprising a scheduled transaction estimating means for estimating a regular transaction item of a customer. 7. The automatic transaction apparatus according to claim 6, further comprising an amount and condition comparison means for comparing a transaction amount instructed by a customer by the operation means with a condition relating to the transaction amount. A host computer having at least one customer-specific information file and communication means relating to a customer-specific transaction, an automatic transaction device disposed at a store, the card bank handling means for handling a customer's card or bankbook, at least a transaction Operation means for inputting a customer's instruction including an amount of money, display means for displaying at least the amount of money indicated by the operation means to the customer, discrimination of cash according to the amount of money indicated by the operation means by the customer, counting, Cash handling means for carrying out storing and releasing, transaction executing means for carrying out discrimination, counting, storing and releasing cash to the cash handling means in accordance with a transaction, control means for controlling the above means, by the operation means A value calculation means for automatically calculating a transaction amount according to a calculation method of a transaction amount instructed by a customer and the host computer. And a communication means for executing transmission and reception of information about a transaction therebetween, and an automatic transaction device for automatically executing a transaction corresponding to a transaction amount instructed by a customer. 11. The automatic transaction system according to claim 10, wherein the host computer has a balance and transaction history storing means for storing a transaction balance or a transaction history for each customer in the information file for each customer. 11. The automatic transaction system according to claim 10, wherein said host computer includes transaction value condition storage means in said customer-specific information file for storing conditions relating to a transaction amount instructed by a customer for each customer. 11. The automatic transaction system according to claim 10, wherein said host computer includes a regular transaction storage means in said customer-specific information file for storing information about a transaction regularly traded for each customer. In accordance with the calculation method of the transaction amount instructed by the customer, the corresponding transaction amount is automatically calculated, and the transaction amount calculation method in the automatic transaction apparatus that automatically executes the transaction of the amount, prompting the customer to select a transaction. And displaying the amount information of the customer required for the transaction according to the transaction selected by the customer, and executing the transaction based on the transaction amount input or confirmed by the customer. 15. The method of claim 14, wherein when the customer is prompted to select a transaction, a setting screen for executing the setting of the transaction value condition is displayed to the customer to execute the setting of the transaction amount condition.