KR20080107252A - Automatic teller machine and automatic transaction system - Google Patents

Abstract

An automatic teller machine and automatic transaction system is provided to display advantageous transactions by determining which of money changing and caching transactions is profitable. In an automatic teller machine and automatic transaction system, a conversion ratio calculation unit produces the conversion ratio to the currency of another country based on the exchange rate which the credit card company sets and it compares the conversion ratio calculated from the conversion ratio calculation unit and change the coins rate which the financial institution in the exchange dealing sets, and then determines which of exchange dealing and caching transactions is profitable and display it on the screen.

Description

Automatic trading system and automatic trading system {AUTOMATIC TELLER MACHINE AND AUTOMATIC TRANSACTION SYSTEM}

The present invention relates to an automatic trading device and an automatic trading system that perform various transactions by the operation of a customer, and in particular, an automatic trading device and an automatic trading that perform a currency exchange transaction that exchanges currency in another country and a caching transaction that finances in another currency. It's about the system.

Conventional automatic trading devices and automatic trading systems enable trading of accounts in a plurality of currency units, and improve the convenience of customers who deposit and withdraw multiple currency units. When other accounts are included, the conversion rate between the currency units is displayed, and the customer selects a currency unit as a judgment material, so that the cash withdrawal transaction or the deposit transaction can be performed (for example, Patent Document 1). Reference).

In addition, by comparing the borrowing interest of the loan with the automatic transaction system required for the withdrawal transaction, if the handling fee is favorable, the general withdrawal transaction is made. If the loan interest by loan is favorable, the loan screen is displayed. In some cases, it is possible to change the loan handling transaction by the customer's operation to improve the convenience of the customer (see Patent Document 2, for example).

[Patent Document 1] Japanese Laid-Open Patent Publication No. 2003-67816 (paragraph "0045" to paragraph "0058", Figs. 3 and 4)

[Patent Document 2] Japanese Patent Laid-Open No. 2004-199125 (paragraph "0029" to paragraph "0046", FIG. 5)

In recent years, overseas caching services have been widely used to borrow cash of a local currency converted at a foreign exchange rate from a credit card company or the like at a predetermined interest rate using an automatic trading device of each country.

Although borrowing interest is generated by this overseas caching service, the exchange rate may be set in favor of the customer rather than the exchange rate of the local currency exchanged by a financial institution, and it may be advantageous for the customer to use the overseas caching service.

Under such circumstances, in the above-described prior art, although the display of the exchange rate of the account related to the plural currency units and the comparison of the borrowing interest of the loan and the loan interest are possible, the exchange rate in the local currency and the overseas caching service If the exchange rate and borrowing interest cannot be displayed or compared, and cash is required in the local currency, the exchange rate to the local currency of the financial institution or the credit card company, etc., in consideration of the exchange rate and borrowing interest before using the automatic trading device There is a problem that the customer must determine which of the overseas caching services is advantageous.

This invention makes it a subject to solve such a problem.

Therefore, the present invention provides an automatic transaction apparatus that accepts a customer's operation and performs a transaction. The present invention is based on a cash exchange rate set by a credit card company and a borrowing rate, which is a borrowing interest rate for a predetermined period, from one currency unit to another during a caching transaction. A conversion ratio calculating means for calculating a conversion ratio in currency units, and comparing the conversion ratio calculated by the conversion ratio calculating means with the exchange rate set by the financial institution in the currency exchange transaction, It is characterized by determining which transaction is advantageous to the customer, and displaying the transaction determined to be advantageous.

In this way, the present invention does not need to examine which of the caching transaction and the exchange transaction is advantageous before the customer himself uses the automatic transaction apparatus, thereby achieving the effect of improving the convenience of the customer.

Hereinafter, an embodiment of an automatic transaction apparatus and an automatic transaction system according to the present invention will be described with reference to the drawings.

EXAMPLE

1 is a block diagram showing the configuration of an automatic transaction apparatus and an automatic transaction system according to the embodiment.

In FIG. 1, 1 is an automatic transaction apparatus and is installed in a store of a financial institution such as a bank, a store such as a convenience store, an airport, a station, or the like. The automatic transaction apparatus 1 receives a customer's operation, receives a transaction authorization from a higher-level apparatus described later, and conducts transactions such as cash withdrawal, cash transfer, currency exchange, and caching.

2 is a host computer for a financial institution used as an upper device of the automatic transaction apparatus 1, and is installed in an office center of a financial institution such as a bank. The financial institution host computer 2 is a control unit which is a calculation and control means such as CPU (PCP) and MV (memory), and a communication unit which is a storage means such as a magnetic disk, a semiconductor memory, and a communication unit. And the like, and are connected to the automatic transaction apparatus 1 or the like via the communication line 4 so as to be able to communicate with each other.

In addition, the host computer 2 using the financial institution with the automatic transaction apparatus 1 transmits and receives a transaction specialty such as cash withdrawal, cash deposit, currency exchange, and the like to determine whether the customer's transaction is established and at the same time. The process is performed. In addition, identity verification is also carried out using the account number of the customer and the password of the customer.

Here, a currency exchange transaction refers to a transaction in which the currency input to the automatic transaction apparatus 1 by the operation of the customer is converted into a currency of another country converted at a predetermined exchange rate and withdrawn to the customer.

3 is a credit card company host computer serving as an upper device of the automatic transaction apparatus 1, and is installed in a business center of a credit card company or the like. The credit card company host computer 3 is provided with a control unit which is an arithmetic and control means such as a CPU and an MPP, a storage unit which is a storage means such as a magnetic disk, a semiconductor memory, a communication unit as a communication means, and the like. It is connected to the automatic transaction apparatus 1 and the like so as to communicate with each other.

In addition, the credit card company host computer 3 transmits / receives a transaction message such as caching between the automatic transaction apparatus 1 and judges whether or not to establish a transaction of a customer, and simultaneously processes the transaction. In addition, identity verification is also performed on the basis of the credit card number of the customer and the password of the customer.

Here, the caching transaction refers to a transaction in which the automatic transaction apparatus 1 withdraws the cash of the amount input by the operation of the customer, and loans the cash to the customer at a predetermined interest rate.

In this way, the automatic transaction system is composed of an automatic transaction apparatus 1, a host computer 2 for use of a financial institution, a credit card company host computer 3, and a communication line 4 for connecting them so that communication is possible. It is not limited to this and shall be available in all foreign countries. In addition, it is assumed that the automatic transaction apparatus 1 and the host financial institution host computer 2 are connected by a communication line 4 such as a dedicated line.

Next, the configuration of the automatic transaction apparatus 1 will be described.

Reference numeral 11 denotes a customer operation display unit, which is composed of an operation unit such as a touch panel and a display unit such as a liquid crystal display. The customer operation display unit 11 arranges a touch panel on a display unit such as a CRT display or a liquid crystal display to detect an input operation performed by a customer, and also displays a transaction selection screen and a customer input operation for a transaction selected by the customer. It is to display a screen for conducting, input information, and the like.

The input operation or the like detected by the customer operation display unit 11 outputs a signal to the control unit described later and notifies.

12 is a card reader unit, and includes a card reading recording mechanism, a card conveyance mechanism, and the like. The card reader unit 12 is composed of an IC card lead write mechanism, a magnetic card lead write mechanism, and the like, and reads the information recorded in the IC chip or the magnetic stripe of the card inserted into the card insertion return port by a customer's operation. Or any information can be recorded.

In addition, a mechanism for detecting insertion of a card and a mechanism for detecting receipt of a card are provided in the card insertion return port, so that the card whose reading or recording of information is finished can be ejected from the card insertion return port and returned to the customer. It is.

It is also assumed that card information for identifying a credit account owned by a customer such as a credit card number is recorded on the IC chip or the magnetic stripe of the card.

13 is a deposit and withdrawal unit, which is composed of a banknote dispenser and a coin dispenser. The deposit and withdrawal unit 13 performs deposit and withdrawal processing of bills and coins associated with cash withdrawal transactions and cash withdrawal transactions. In this case, the deposit processing counts the bills put by the customer in the cash drawer and counts them in the safe, and stores the coins in the cash drawer and counts them in the safe. In the withdrawal process, the bills and coins corresponding to the amount specified by the customer's operation are taken out from the safes of the paper money dispenser and the coin dispenser, respectively, counted and returned to the cash drawer and returned to the customer.

A mechanism for detecting inserted banknotes and coins and a mechanism for detecting receipt of conveyed banknotes and coins are provided in the entry and exit port.

In addition, the deposit and withdrawal unit 13 is provided with a discriminating unit for discriminating a safe or gold type, a loss or the like for each of the currencies of a plurality of countries, it is possible to exchange money transactions withdraw money from other currencies.

In addition, the deposit and withdrawal unit 13 is not limited to the one configured with a banknote dispenser and a coin dispenser, but may be configured with only a banknote dispenser.

Reference numeral 14 denotes a seat printing portion that includes a seat feeding mechanism and a seat printing mechanism. The sheet printing unit 14 prints the transaction contents performed by the customer's operation on the specification table by the sheet printing mechanism, and discharges the sheet from the sheet outlet by the sheet conveying mechanism to issue to the customer. have.

15 is a storage unit, which is composed of a semiconductor memory, a magnetic disk, or the like to store information and read out the stored information. The storage unit 15 stores control programs (software) for controlling the operation of the entire automatic transaction apparatus 1, screen data displayed on the customer operation display unit 11, information necessary for transactions performed by customers, and the like.

16 is a control part and is comprised by calculation and control means, such as CPU. The control unit 16 includes the customer operation display unit 11, the card reader unit 12, the deposit and withdrawal unit 13, the seat printing unit 14, the storage unit 15, and the financial institution host computer 2 or the credit. The operation of the entire automatic transaction apparatus 1 is controlled based on a control program (software) stored in the storage unit 15, including a communication unit (not shown) that controls communication between the card company host computers 3. In addition, the control unit 16 has a calendar, a clock function, and the like, which are means for measuring a date and time, a time, and the like.

Next, the configuration of the host financial institution host computer 2 will be described.

21 is a storage unit, which is composed of a semiconductor memory, a magnetic disk, or the like to store information and to read stored information. The storage unit 21 stores control programs (software) and the like for controlling the operation of the host computer 2 as a whole.

Reference numeral 22 denotes a customer database (hereinafter referred to as a "customer DV"), which stores name, account number, password, and account balance of each customer as customer account information.

23 is a currency exchange rate database (hereinafter referred to as a "currency exchange rate"), and the exchange rate for each foreign currency of the day determined by the financial institution in the currency exchange transaction performed by the automatic trading device 1 (hereinafter, "the exchange rate"). Is called.

24 denotes a fee database (hereinafter referred to as "fee D '), which stores the fee rate when the currency exchange transaction is performed with the automatic transaction apparatus 1.

25 is a control part and is comprised by calculation and control means, such as CPU. The control unit 25 includes a communication unit (not shown) which controls communication between the storage unit 21, the customer DV 22, the exchange rate DV 23, the commission DV 24, and the automatic transaction apparatus 1. The operation of the entire use of the financial institution host computer 2 is then controlled based on the control program (software) stored in the storage unit 21. Moreover, the control part 25 also has a calendar, a clock function, etc. which are means for measuring a date, time, etc.

Next, the configuration of the credit card company host computer 3 will be described.

31 is a storage unit, which is composed of a semiconductor memory, a magnetic disk, or the like to store information and read out the stored information. The storage unit 31 stores control programs (software) for controlling the operation of the credit card company host computer 3 as a whole.

32 is a customer database (hereinafter referred to as a "customer DV"), and stores each customer's name, credit card number, password, caching rate and exchange rate in association with each other. Therefore, the caching rate (borrowing interest applied to the caching transaction) and the exchange rate of the customer can be extracted from the credit card number included in the card information read from the card.

33 is a ledger database (hereinafter, referred to as a "ledger D '), which stores credit card numbers and loan balances of each customer in association with each other.

34 is an exchange rate database (hereinafter referred to as " exchange rate "), and the exchange rate (for example, a telegraphic payment quote) for each foreign currency of the day determined by the credit card company in the caching transaction performed by the automatic transaction apparatus 1. The median of). In addition, the exchange rate determined for each customer based on the exchange rate stored in the exchange rate DV 34 is stored in the customer DV 32. In addition, the fee rate when a caching transaction using a foreign credit card is performed is stored.

35 is a control part, and is comprised by calculation and control means, such as CPU. The control unit 35 includes a communication unit (not shown) which controls communication between the storage unit 31, the customer DV 32, the ledger DV 33, the exchange rate DV 34, and the automatic transaction apparatus 1. The operation of the credit card company host computer 3 as a whole is controlled based on a control program (software) stored in the storage unit 31. Moreover, the control part 35 also has a calendar, a clock function, etc. which are means for measuring a date, time, etc.

The operation of the above-described configuration will be described according to the step indicated by S of the flowchart showing the processing of the transaction in the embodiment of FIG. 2.

In addition, the operation of each unit described below is controlled by a control means such as a central processing unit (not shown) based on a program (software) stored in a storage means such as a memory or a magnetic disk (not shown).

S1: When the customer's approach is detected by a proximity sensor (not shown), the customer operation display unit 11 of the automatic transaction apparatus 1 displays a transaction selection screen for selecting a transaction. This transaction selection screen is composed of words such as "Welcome, please press the desired transaction" and transaction selection buttons such as "deposit", "payment", "caching", and "exchange".

It is assumed that a "caching" transaction selection button for selecting a caching transaction is pressed by a customer's operation.

S2: Upon detecting the press of the "caching" transaction selection button, the customer operation display unit 11 displays a card insertion guide screen for prompting the customer to insert a card by the instruction of the controller 16. The customer shall insert a card carried in accordance with the card insertion guide screen from the card insertion return port.

S3: The card reader unit 12 accepts the card inserted by the customer, and reads the card information recorded on the card. The control unit 16 stores the read card information in the storage unit 15.

S4: Also, when the card is inserted, the customer operation display unit 11 displays a password input screen for accepting the input of the customer's password by the instruction of the controller 16, and the customer inputs the password by pressing an operation button such as the displayed tenkey. do. Subsequently, when the customer enters the password, the customer operation display unit 11 displays the amount input screen for accepting the input of the amount of money by the instruction of the control unit 16, and the customer inputs the amount by pressing an operation button such as the displayed tenkey. do. The control unit 16 stores the input password and the amount of money in the storage unit 15.

S5: When the password and the amount of money are stored in the storage unit 15, the control unit 16 transmits a message for inquiring the exchange rate including the card information to the credit card company host computer 3.

S6: The control unit 35 of the credit card company host computer 3, which has received the full text for inquiring about the exchange rate, searches for the customer DV 32 based on the credit card number included in the card information.

S7: The control unit 35 extracts an exchange rate for each foreign currency of the customer from the customer DV 32 searched on the basis of the credit card number.

S8: The control unit 35 also extracts the caching rate and commission rate of the corresponding customer from the customer DV 32 searched on the basis of the credit card number.

S9: The control unit 35 transmits the extracted exchange rate, caching rate and commission rate to the automatic transaction apparatus 1.

S10: The control unit 16 of the automatic transaction apparatus 1 stores the exchange rate, caching rate, and fee rate received from the credit card company host computer 3 in the storage unit 15 or inquires about the exchange rate. It transmits to the institution host computer 2.

S11: The control unit 25 of the financial institution host computer 2, which has received the inquiry for the exchange rate, exchanges the foreign currency of the day in the currency exchange transaction performed by the automatic transaction apparatus 1 from the exchange rate DV23. Get the exchange rate of.

S12: The control unit 25 transmits the obtained exchange rate to the automatic transaction apparatus 1.

S13: The control unit 16 of the automatic transaction apparatus 1 as the conversion ratio calculating means for calculating the conversion ratio from one currency unit to another currency unit stores the exchange rate received from the financial institution host computer 2 in the storage unit ( 15), the real rate which is the conversion rate from one currency unit to another currency unit in a caching transaction and a currency exchange transaction is calculated based on the exchange rate and the exchange rate, the caching interest rate, and the fee rate already received.

Here, the calculation method of the real rate mentioned above is demonstrated.

First, the calculation method of the real rate of the caching transaction which caches US dollars with a Japanese credit card is demonstrated below.

For example, if the amount entered in S4 is A $, the caching rate is annually B%, the exchange rate is $ 1 = C, the elapsed date until settlement is 60 days, and the amount entered is converted into Japanese Yen. C = D yen, the caching interest until settlement is (D yen × B%) × (60 days ÷ 365 days) = E yen, the amount charged later by the credit card company is D + E = F yen When converting this F yen into a real rate, which is a virtual conversion rate, the real rate is F yen ÷ A dollar = Z (yen / dollar), that is, 1 dollar = Z yen.

In addition, the elapsed day until the settlement described above is, for example, the sum of the days of local settlement period processing, the number of days of credit card company processing, and the number of days from the closing date to the settlement date.

In addition, the real rate Z (yen / dollar) can be calculated as C (yen / dollar) + C (yen / dollar) × B% × (60 days ÷ 365 days). It can be calculated based on $ 1 = C yen and the elapsed date until payment (60 days).

On the other hand, the real rate of the currency exchange transaction performed by the automatic transaction apparatus 1 becomes the exchange rate itself, for example, 1 dollar = Y yen. In addition, when a fee is required in a currency exchange transaction, the fee rate stored in the fee DV 24 may be received from the host financial institution host computer 2 to calculate the real rate.

In this way, when the real rates in the caching and currency exchange transactions are calculated, the control unit 16 compares the real rates, that is, 1 dollar = Z yen and 1 dollar = Y yen, so that when the yen is greater than the yen, the customer It is determined that the caching transaction is advantageous in terms of, and that the currency exchange transaction is advantageous to the customer when Z yen is smaller than Y yen.

Next, the calculation method of the real rate of the caching transaction which caches a Japanese yen with a foreign credit card is demonstrated below.

For example, the amount entered in S4 is A yen, the caching rate is annually B%, the exchange rate is $ 1 = C, the elapsed date until settlement is 60 days, and the commission rate is 1%. If you add, A yen × (100% + 1%) = D yen, and if you convert it to US dollars, D ÷ C = E dollars, that is, E dollars becomes the credit usage amount, and the caching interest until settlement ( E $ × B%） × （60 days ÷ 365 days） = F $, and the amount charged by the credit card company later will be E + F = G $. In terms of conversion, the real rate is A yen ÷ G dollar = Z (yen / dollar), that is, 1 dollar = Z yen.

In addition, the elapsed day until the settlement described above is, for example, the sum of the days from the day of the transaction to the processing date of the local settlement period, the processing date of the credit card company of the organization, and the days from the closing date to the settlement date.

On the other hand, the real rate of the currency exchange transaction performed by the automatic transaction apparatus 1 becomes the exchange rate itself, for example, 1 dollar = Y yen. When a fee is required in a currency exchange transaction, the fee rate stored in the fee DV 24 may be received from the host financial institution host computer 2 to calculate the real rate.

By calculating the real rates in the caching and currency exchange transactions in this way, the control unit 16 compares the real rates, that is, 1 dollar = Z yen and 1 dollar = Y yen, and compares them to the customer when Z yen is greater than Y yen. Therefore, it is determined that the caching transaction is advantageous, and when the yen is smaller than the yen, it is determined that the exchange transaction is advantageous for the customer.

S14: When the real rate in the caching transaction and the exchange transaction is calculated, the customer operation display unit 11 displays the determination result screen 40 shown in FIG. In addition, the determination result screen 40 shown in FIG. 3 shows an example in which the actual rate of the caching transaction for caching US dollars with a Japanese credit card is determined to determine that the caching transaction is advantageous.

This judgment result screen 40 shows, for example, "caching with this credit card when caching with this credit card. Caching interest rate 10.0% conversion rate $ 1 = 120 yen. It is equivalent to 123.92 rate "," use of caching "that is the result of having judged advantageous business for customers from words such as words" today's yen ⇒ dollar exchange rate becomes 1 dollar = 124 yen when we use currency exchange ", and calculated real rate "Currency exchange ＄ 1,000" which shows words such as "it is advantageous", "amount of exchange amount ＄ 1,000" indicating input amount, "the use of caching use 123,920 yen" indicating Japanese yen necessary for caching transaction, "the exchange use use 124,000 yen" indicating Japanese yen required by currency exchange transaction And the "Currency" button 41 for executing a currency exchange transaction, the "Caching" button 42 for executing a caching transaction, the "Cancel" button 43 for stopping a transaction, etc. It is configured.

S15: The customer checks the judgment result screen 40 to select a currency exchange transaction, a caching transaction, or a stop of the transaction, among the "currency exchange" button 41, the "caching" button 42, and the "cancel" button 43. One presses. The customer operation display unit 11 shifts the process to S16 when detecting the press of the "Currency exchange" button 41, and transfers the process to S23 when the press of the "Caching" button 42 is detected, and the "Cancel" button ( Upon detection of pressing 43), the processing shifts to S26.

S16: Upon detecting the press of the "exchange" button 41, the card reader unit 12 ejects the card from the card insertion return port and returns it to the customer by the instruction of the control unit 16.

S17: When the card is returned to the customer, the customer operation display unit 11 displays a cash input guide screen prompting the customer to deposit cash according to the instruction of the controller 16.

S18: The customer is expected to inject cash of Japanese yen corresponding to the amount entered in S4 into the cash inlet and outlet according to the cash input instruction screen. For example, if the amount entered in S4 is $ 1,000, 124,000 yen corresponding to the amount is assumed.

 S19: When cash is input to the deposit and withdrawal outlet, the deposit and withdrawal unit 13 counts the input cash by the instruction of the control unit 16, and performs the deposit processing. In addition, the control unit 16 performs a currency exchange calculation for calculating the withdrawal amount based on the exchange rate received from the host financial institution host computer 2 in S10.

S20: Upon completion of the deposit processing, the deposit and withdrawal unit 13 performs withdrawal processing for paying the customer a US dollar (for example, $ 1,000) of the amount input in S4. If there is change, the change shall be withdrawn.

S21: When the withdrawal processing ends, the control unit 16 transmits the result of the currency exchange transaction to the using financial institution host computer 2.

S22: The financial institution host computer 2 stores the result of the exchange exchange transaction received in the storage unit 21 as a transaction record.

In this way, the automatic transaction apparatus 1 and the use financial institution host computer 2 execute currency exchange transactions.

S23: On the other hand, when detecting the press of the "caching" button 42 in S15, the deposit and withdrawal part 13 according to the instruction | indication of the control part 16 receives US dollars (for example, $ 1,000) of the amount input in S4. Withdrawal processing to pay to the customer is performed. When the withdrawal processing is completed, the card reader unit 12 ejects the card from the card insertion return port and returns it to the customer by the instruction of the control unit 16.

In addition, before the deposit and withdrawal unit 13 performs the withdrawal processing, the control unit 16 transmits the input password and card information to the credit card company host computer 3, and the credit card company host computer 3 receives the received information. The customer DV 32 is searched out based on the credit card number of the customer included in the card information, and the password is extracted.

S24: Upon returning the card to the customer, the control unit 16 transmits the result of the caching transaction to the credit card company host computer 3.

S25: The credit card company host computer 3, which has received the result of the caching transaction, updates the loan balance and the like of the customer in the ledger DV # 33.

In this way, the automatic transaction apparatus 1 and the credit card company host computer 3 execute a caching transaction.

S26: In addition, when it is detected in S15 that the "cancel" button 43 is pressed, the card reader unit 12 ejects the card from the card insertion return port to the customer by the instruction of the control unit 16, and ends the transaction. do.

In this way, the real rate ($ 1 = Yen) in the caching transaction is compared with the real rate ($ 1 = Yen) in the currency exchange. By displaying on the customer operation display section 12, the customer does not need to examine which of the caching transaction and the exchange transaction is advantageous before using the automatic transaction apparatus 1, thereby improving the convenience of the customer.

In addition, in the present embodiment, it is determined whether the exchange transaction or the caching transaction performed by the automatic transaction apparatus 1 is advantageous to the customer. However, the withdrawal transaction may be used instead of the exchange transaction.

In this case, the account identification information for identifying each account of the customer, such as the account number of the financial institution of the customer and the credit card number of the credit card company, is recorded on the IC chip or the magnetic stripe of the card. With a hawk card, it is possible to conduct withdrawal transactions and cash card transactions of credit card companies which draw cash of the local currency converted at the exchange rate from the account of the financial institution.

As described above, in this embodiment, the real rate (1 dollar = Z yen) in the caching transaction is compared with the real rate (1 dollar = Y yen) in the currency exchange, and Z yen is higher than Y yen. When large, by displaying on the customer operation display unit 12 that the caching transaction is advantageous to the customer, the customer does not need to examine which of the caching transaction and the exchange transaction is advantageous before using the automatic transaction apparatus 1, The convenience of the customer can be improved.

BRIEF DESCRIPTION OF THE DRAWINGS Fig. 1 is a block diagram showing the configuration of an automatic transaction apparatus and an automatic transaction system in an embodiment.

2 is a flowchart showing processing of a transaction in the embodiment.

3 is an explanatory diagram of a determination result screen in an embodiment.

[Description of the code]

1: Automatic transaction device 2: Host financial institution host computer

3: credit card company host computer 4: communication line

11: Customer operation display unit 12: Card reader unit

13: deposit and withdrawal portion 14: sheet transfer portion

15, 21, 31: storage unit 16, 25, 35: control unit

22, 32: Customer DV 23: Currency exchange rate DV

24: Fee Dv 33: Ledger Dv

34: exchange rate DＢ

Claims (7)

In the automatic transaction apparatus that accepts a customer's operation and performs a transaction, A conversion ratio calculating means for calculating a conversion ratio from one currency unit to another currency unit in a caching transaction on the basis of the exchange rate set by the credit card company and the borrowing interest rate, which is the borrowing interest rate for a predetermined period, The conversion ratio calculated by the conversion ratio calculating means is compared with the exchange rate set by the financial institution in the exchange transaction to determine which of the caching transaction and the exchange transaction is advantageous for the customer, and displays the transaction determined to be advantageous. Automatic trading device, characterized in that. The method of claim 1, And if it is determined that the conversion ratio is more advantageous to the customer than the exchange rate, the caching transaction can be selected by indicating that the caching transaction is advantageous. The method according to claim 1 or 2, And when it is determined that the exchange rate is more advantageous to the customer than the conversion rate, the exchange transaction can be selected to indicate that the exchange transaction is advantageous, so that the exchange transaction can be selected. In the automatic trading system that the automatic trading device accepts the customer's operation and at the same time receives the permission from the host device and performs the transaction, A host apparatus having a database storing a currency rate set by a credit card company, a caching rate which is a borrowing interest rate for a predetermined period, and a currency exchange rate set by a financial institution; Installing an automatic transaction apparatus having a conversion ratio calculating means for calculating a conversion ratio from one currency unit to another currency unit in a caching transaction on the basis of the exchange rate and the caching interest rate received from the host apparatus, A transaction determined by the automatic trading apparatus to determine which of the caching transaction and the exchange transaction is advantageous to the customer by comparing the conversion ratio calculated by the conversion ratio calculating means with the exchange rate received from the host apparatus. Automatic trading system, characterized in that for displaying. The method of claim 4, wherein And if it is determined that the conversion ratio is more advantageous to the customer than the exchange rate, the caching transaction can be selected by indicating that the caching transaction is advantageous. The method according to claim 4 or 5, And when it is determined that the exchange rate is more advantageous to the customer than the conversion rate, the exchange transaction is selected to indicate that the exchange transaction is advantageous, so that the exchange transaction can be selected. The method according to claim 4 or 5, A credit institution host computer having a database storing a currency rate set by a credit card company and a caching rate, which is a borrowing interest rate for a predetermined period, and a financial institution using a database storing a currency exchange rate set by a financial institution. An automatic transaction system characterized in that the host computer.

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