JP2008084241A - System for accumulating fee for using automatic transaction device - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To accumulate fees for using an automatic transaction device without requiring a special procedure, so that service is provided for a customer according to accumulated service fees and the customer satisfaction is improved, sales of a store increase, the frequency of transactions using the automatic transaction device is increased and the service fee incomes are increased, and the number of automatic transaction devices to be installed is increased. <P>SOLUTION: A system for accumulating fees for using an automatic transaction device comprises an automatic transaction device operated by a customer to make a transaction, an accounting host device of a financial institution, a coupon server for managing coupons, and a POS terminal for settling the fee at a store. The automatic transaction device issues coupons according to the accumulated service fees of the customer, the POS terminal subtracts a discount amount according to the coupons and settles the fee, and the accounting host device transfers an amount equivalent to the discount amount to the account corresponding to the store. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention relates to an automatic transaction apparatus use fee accumulation system.

  Conventionally, ATMs (Automatic Teller Machines), CDs (Cash Dispensers), etc. installed in branches of financial institutions such as banks, credit unions, post offices, consumer finance companies, etc. When a customer performs a financial transaction using an automatic transaction apparatus, there are a case where a fee is free and a case where a fee is charged.

  For example, if the financial institution managing the automatic transaction apparatus is the same as the financial institution that issued the cash card used by the customer, the fee is free during weekday daytime, but on weekends and holidays, or Even on weekdays, a fee is charged during the night, and the financial institution deducts the fee. In addition, if the financial institution managing the automatic transaction apparatus and the financial institution that issued the cash card used by the customer are not the same, a fee will be charged not only on weekends, holidays and nights, but also during the daytime on weekdays. The financial institution deducts the fee.

  In addition, when the automatic transaction apparatus is installed in a convenience store store or the like instead of a branch of a financial institution, regardless of the type of financial transaction, the financial institution managing the automatic transaction apparatus and the customer Regardless of whether or not the financial institution that issued the cash card used by is the same, the fee is charged, and the financial institution deducts the fee.

However, a system that provides the customer with a discount service for the fee has also been proposed (see, for example, Patent Document 1). A service is also provided in which the fee is free when conditions such as a card loan contract with a financial institution managing the automatic transaction apparatus and a credit card withdrawal are satisfied.
JP 2002-245509 A

  However, in the conventional system, only a customer who uses an automatic transaction apparatus that satisfies a specific condition can receive the service, and some procedure needs to be performed. And depending on the procedure, it was necessary to carry out a troublesome procedure, and the service could not be easily received.

  The present invention solves the problems of the above-mentioned conventional system, the fee of the automatic transaction apparatus is accumulated without any special procedure, and a service corresponding to the accumulated fee is provided to the customer, and the customer satisfaction Providing an automatic transaction device usage fee accumulation system that improves sales, increases store sales, increases the number of transactions using the automatic transaction device, increases fee income, and increases the number of automatic transaction devices installed With the goal.

  Therefore, in the automatic transaction apparatus usage fee accumulation system according to the present invention, an automatic transaction apparatus that is operated by a customer to perform transactions, an accounting system host apparatus of a financial institution, a coupon server that manages coupons, and a store It is an automatic transaction apparatus use fee accumulation system having a POS (Point of Sales) terminal that performs payment, the automatic transaction apparatus issues a coupon according to the accumulated fee amount of the customer, and the POS terminal The account amount is subtracted by subtracting the discount amount corresponding to the coupon, and the account system host device transfers the amount corresponding to the discount amount to the account corresponding to the store.

  In another automatic transaction apparatus usage fee accumulation system according to the present invention, the accounting system host apparatus accumulates a fee amount for a charged transaction performed by a customer operating an automatic transaction apparatus, and corresponds to the customer. Store as the accumulated commission amount.

  In yet another automatic transaction apparatus usage fee accumulation system according to the present invention, the automatic transaction apparatus communicates with the accounting system host apparatus and a coupon server to issue a coupon corresponding to the accumulated fee amount. .

  In still another automatic transaction apparatus usage fee accumulation system according to the present invention, the POS terminal further transmits the discount amount information to the accounting system host apparatus and the coupon server.

  In still another automatic transaction apparatus utilization fee accumulation system of the present invention, the automatic transaction apparatus issues coupons by printing coupon information including information for confirming validity on a transaction statement slip.

  According to the present invention, in the automatic transaction apparatus use fee accumulation system, the automatic transaction apparatus fee is accumulated without any special procedure, and a service corresponding to the accumulated fee amount is provided to the customer, and the customer satisfaction The number of transactions using the automatic transaction apparatus increases, the fee income increases, and the number of introductions of automatic transaction apparatuses increases.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

  FIG. 1 is a block diagram showing a configuration of an automatic transaction apparatus use fee accumulation system according to the first embodiment of the present invention.

  In the figure, 11 is an automatic transaction device such as ATM, CD, etc. installed at the head office of a financial institution such as a bank, a credit union or a post office, or a branch office or the like. It is a device for performing transactions such as deposit, withdrawal, passbook entry, balance inquiry, remittance transaction such as transfer and transfer, and fixed deposit setting. In addition, the automatic transaction apparatus 11 is not only a store of the financial institution, but also a store of a store such as a convenience store, a supermarket, a department store, a station premises, an underground mall, a city hall, a public facility such as a hospital, a factory, an office, etc. It may be installed in any place such as private companies, parking lots, outdoor roadsides, etc. The automatic transaction apparatus 11 may be a multi-function terminal such as a kiosk terminal having other functions such as a ticket reservation function, a product purchase application function, a credit card credit confirmation function, a facility information guidance function, and the like. It may be good, or it may be enlarged and a terminal for net banking. The customer is a person who opens his / her own account at a financial institution and uses the financial institution, and is generally an individual.

  The automatic transaction apparatus 11 is a kind of computer including a calculation means such as a CPU and an MPU, a storage means such as a semiconductor memory and a magnetic disk, a communication means for communicating, and the like, and a communication unit that communicates with an external device 12. It has the control part 13 which controls operation | movement of each part of the said automatic transaction apparatus 11, and the memory | storage part 14 which memorize | stores various data.

  The control unit 13 includes an input device such as a keyboard and a touch panel, a display device such as a CRT, a liquid crystal display, and an LED (Light Emitting Diode) display, a voice input device such as a microphone for inputting a customer's voice, and voice guidance. A customer operation unit 13a including a sound output device such as a speaker for outputting the sound. In addition, in order to make it easy for a customer to perform an operation, the input device is preferably a touch panel that also has the function of a display device.

  The control unit 13 includes a card insertion unit 13b that handles a card such as a cash card. Here, the card is a card for performing financial transactions such as deposit, withdrawal, balance inquiry, transfer, transfer, etc. issued to a customer by a financial institution, such as the customer's name, account number, PIN number, etc. A magnetic stripe for storing information is provided. The member that stores the information may be an IC embedded in a card instead of the magnetic stripe. In particular, when the card is a biometric authentication card and stores customer biometric data, the member for storing the information is an IC, that is, the card is an IC card. It is desirable.

  The card insertion section 13b includes a card slot into which a card is inserted. In the card slot, a card conveying device for conveying a card (not shown), and reading of information stored in a card magnetic stripe or IC. A recording head such as a magnetic head for overwriting, erasing and the like is provided. It is desirable that the card insertion unit 13b can handle other types of cards such as cash cards, credit cards, and debit cards issued by other financial institutions. Further, the card insertion unit 13b includes a printer (not shown) that issues a transaction statement. The transaction statement slip is a piece of paper on which information related to financial transactions conducted by the customer such as deposit, withdrawal, balance inquiry, transfer, transfer, fixed deposit, etc. is printed, account number, type of financial transaction, transaction amount Etc. are printed. The transaction statement slip may be issued only when the customer desires.

  Further, the control unit 13 preferably has a biometric authentication device for performing biometric authentication. The biometric authentication device is a device that performs biometric authentication of a customer using biometric information indicating biological characteristics such as a fingerprint, an iris (iris), and a palm vein. Note that the biometric authentication apparatus is not necessarily provided.

  And the said control part 13 has a passbook bookkeeping part which is not shown in figure which writes in a passbook, such as a deposit passbook. Here, the bankbook is a booklet bankbook such as a bankbook issued by a financial institution to a customer, and records of financial transactions such as deposits, withdrawals, transfers, transfers, remittances, and periodic deposit settings are printed. It is what is done. The front cover or back cover of the passbook is provided with a magnetic stripe for storing information such as the customer's name, account number, and personal identification number. Further, the member for storing the information may be an IC embedded in a passbook instead of the magnetic stripe. The passbook entry unit includes a passbook slot into which a passbook is inserted. In the passbook slot, a transfer device that transports the passbook, a print head that prints a record of the financial transaction on the passbook, and a passbook magnetic field A recording head such as a magnetic head for reading, overwriting and erasing information stored in a stripe or IC is provided.

  And the said control part 13 has the banknote depositing / withdrawing part 13c which handles a banknote. The banknote deposit / withdrawal unit 13c receives and discriminates and counts the banknotes deposited by the customer in the financial transaction such as deposit, and pays out a predetermined amount of banknotes from the deposit / withdrawal port in the financial transaction such as withdrawal. Note that a shutter is disposed at the deposit / withdrawal port, and the shutter is opened when a bill is paid out.

  Further, the control unit 13 has a coin deposit / withdrawal unit 13d for handling coins. The coin deposit / withdrawal unit 13d receives and discriminates and counts the coins deposited by the customer in the financial transaction such as deposit, and pays out a predetermined amount of coin from the deposit / withdrawal port in the financial transaction such as withdrawal. Note that a shutter is disposed at the deposit / withdrawal port, and the shutter is opened when a bill or a coin is paid out.

  Further, the communication unit 12 communicates with a host computer 21 as a billing system host device of a financial institution. Further, the storage unit 14 stores various data and programs executed by the control unit 13, processing results by the control unit 13, and the like.

  The host computer 21 is a computer as a core system for managing customer data disposed in a center 20 such as an integrated management center of the financial institution, and is a database comprising storage devices such as magnetic disks and semiconductor memories. Customer information database 22. The customer information database 22 stores customer information such as account numbers, passwords, deposit balances, and accumulated fee amounts as accumulated fee amounts. The host computer 21 is a kind of computer that includes a calculation means such as a CPU and MPU, a storage means such as a semiconductor memory and a magnetic disk, a communication means for communication, and the like, and operates according to a program. Further, the host computer 21 may be constituted by a single computer such as a large general purpose computer, or a plurality of computers connected organically such as a distributed server. It may be one of them, or one of a plurality of systems constructed in a large computer.

  The automatic transaction apparatus 11 is communicably connected to the host computer 21 via the network 41, and manages customer account data by communicating with the host computer 21. Here, the network 41 is preferably a dedicated communication network, but is a wired or wireless public communication network, the Internet, an intranet, a LAN (Local Area Network), a WAN (Wide Area Network), a VPN (Virtual Private Network). Network) and any communication line network such as a satellite communication line network, or a combination of these may be used.

  Next, the operation of the automatic transaction apparatus use fee accumulation system having the above-described configuration will be described.

  2 shows an example of a transaction selection screen in the first embodiment of the present invention, FIG. 3 shows an example of a card insertion instruction screen in the first embodiment of the present invention, and FIG. 4 shows the present invention. FIG. 5 is a diagram showing an example of a password input screen in the first embodiment, FIG. 5 is a diagram showing an example of a withdrawal amount input screen in the first embodiment of the present invention, and FIG. 6 is a diagram of the first embodiment of the present invention. FIG. 7 is a diagram showing an example of a cumulative fee amount display screen according to the first embodiment of the present invention, and FIG. 8 is a diagram showing an example of the final confirmation time screen according to the first embodiment of the present invention. It is a flowchart which shows operation | movement of the automatic transaction apparatus utilization fee storage system in a form.

  In the present embodiment, the operation when the customer selects the withdrawal transaction by operating the transaction selection screen displayed on the customer operation unit 13a of the automatic transaction apparatus 11 will be described. In this case, a transaction selection screen as shown in FIG. 2 is displayed on the customer operation unit 13a of the automatic transaction apparatus 11. The transaction selection screen includes a “withdrawal” button for a withdrawal transaction, a “deposit” button for a deposit transaction, a “transfer” button for a transfer transaction, and a “balance” for inquiring the account balance. Each transaction button such as “inquiry” button is displayed. Then, the customer selects a withdrawal transaction on the screen by pressing a “withdrawal” button corresponding to the withdrawal transaction. Then, the selected information is transmitted to the control unit 13.

  Subsequently, as shown in FIG. 3, the control unit 13 that has received the information displays a card insertion instruction screen that prompts the customer to insert a card on the screen of the customer operation unit 13a. On the card insertion instruction screen, a message prompting insertion of a card such as a cash card, an illustration illustrating the message, and a “cancel” button for canceling the transaction are displayed. And the said customer inserts a card | curd in the card slot of the card insertion part 13b according to a message. Then, the card insertion unit 13b reads magnetic data as card information stored in the magnetic stripe of the card and transmits it to the control unit 13. When the “Cancel” button is pressed, the card inserted by the customer is ejected from the card slot of the card insertion unit 13b, and the control unit 13 ends the transaction process and displays the transaction selection screen on the customer operation unit 13a. Display on the screen and wait.

  Subsequently, as shown in FIG. 4, the control unit 13 that has recognized the insertion of the card displays a password input screen for prompting the customer to input the password on the screen of the customer operation unit 13a. The password input screen includes a message prompting the user to input a password, a numeric keypad for inputting the password, a password display field, a “correct” button for correcting an input error, and a “cancel” for canceling the transaction. "Button is displayed. Then, the customer inputs the password using the numeric keypad. As a result, the password is authenticated. When the “Cancel” button is pressed, the card inserted by the customer is ejected from the card slot of the card insertion unit 13b, and the control unit 13 confirms that the customer has received the card and ends the transaction processing. Then, the transaction selection screen is displayed on the screen of the customer operation unit 13a and waits.

  Subsequently, the control unit 13 that has recognized the input of the personal identification number determines whether or not the card holder is valid, that is, whether the personal identification number is a legitimate business person or not. And if it is not a legitimate trader, the content indicating that the password is different is displayed on the screen of the customer operation unit 13a, then the transaction selection screen is displayed on the screen of the customer operation unit 13a, and the transaction is restarted from the beginning.

  Further, in the case of being a legitimate trader, as shown in FIG. 5, the control unit 13 displays a withdrawal amount input screen for prompting the customer to input a withdrawal amount, that is, a withdrawal amount, as shown in FIG. On the screen. In the withdrawal amount input screen, a message prompting to input the withdrawal amount, an operation method, a numeric keypad for entering the withdrawal amount, a withdrawal amount input field, a “10,000” button for entering 10,000 units, A “1000” button for inputting a unit of 1000, a “confirm” button for instructing to end the input, a “correction” button, and a “cancel” button for canceling the transaction are displayed. Then, the customer inputs the withdrawal amount using the numeric keypad, that is, inputs the withdrawal amount, and presses the “Confirm” button. When the “Cancel” button is pressed, the card inserted by the customer is ejected from the card slot of the card insertion unit 13b, and the control unit 13 ends the transaction processing and selects the transaction on the screen of the customer operation unit 13a. Display the screen and wait.

  Subsequently, the control unit 13 recognizing that the “confirm” button has been pressed displays a final confirmation screen on the screen of the customer operation unit 13a as shown in FIG. In the final confirmation screen, a message for prompting confirmation of the input withdrawal amount, an operation method, a “confirm” button for instructing confirmation of the display content, and “ Cancel button is displayed. Then, the customer confirms the display contents and presses the “Confirm” button. When the “Cancel” button is pressed, the control unit 13 displays a transaction selection screen on the screen of the customer operation unit 13a, and redoes the transaction from the beginning.

  Here, the control unit 13 determines whether or not to pay a fee, that is, whether or not the withdrawal transaction is a transaction requiring a fee. If the withdrawal transaction is a chargeable transaction, the control unit 13 communicates with the host computer 21 to update the accumulated fee amount in the customer information database 22. At this time, the fee amount deducted from the customer's account is added to the accumulated fee amount in the customer information database 22. The accumulated fee amount is counted every month, and the accumulated fee amount after counting is reset. Further, when the withdrawal transaction is a transaction that is free and does not require a fee, the cumulative fee amount is not updated.

  Subsequently, as illustrated in FIG. 7, the control unit 13 displays the accumulated fee amount display screen on the screen of the customer operation unit 13 a. On the accumulated fee display screen, the amount of fees charged for the current transaction and the amount of fees accumulated every month, that is, the amount of accumulated fees are displayed. When the displayed cumulative fee amount exceeds the amount that can receive the service, a message indicating the contents of the service that can be received within the range of the displayed cumulative fee amount is displayed.

  Subsequently, when the “confirm” button displayed on the accumulated fee display screen is pressed, the control unit 13 causes the card and transaction statement slip to be ejected from the card slot of the card insertion unit 13b, and further the banknote deposit and withdrawal. Cash is discharged from the deposit / withdrawal port of the section 13c and the process is terminated.

Next, a flowchart will be described.
Step S1 A transaction selection screen is displayed.
Step S2: Insert the cash card into the card slot of the card insertion portion 13b.
Step S3 Authentication with a password is performed.
Step S4: It is determined whether or not it is a legitimate trader. If it is a legitimate trader, the process proceeds to step S5, and if it is not a legitimate trader, the process returns to step S1.
Step S5 The withdrawal amount is entered.
Step S6: It is determined whether or not a fee is paid. If the fee is paid, the process proceeds to step S7. If the fee is not paid, the process proceeds to step S8.
Step S7: The accumulated fee amount in the customer information database 22 is updated.
Step S8: On the accumulated fee display screen, the fee amount and the accumulated fee amount charged for the current transaction are displayed.
Step S9: The card and transaction statement slip are discharged from the card slot of the card insertion portion 13b, the cash is discharged from the deposit / withdrawal port of the banknote deposit / withdrawal portion 13c, and the process is terminated.

  As described above, in the present embodiment, the amount of commission required when a customer performs a paid transaction using the automatic transaction apparatus 11 is automatically accumulated, and the customer receives a service corresponding to the amount of accumulated commission. Be able to. Therefore, the customer can receive a service according to the accumulated fee amount without performing any special procedure, and the customer satisfaction is improved. And this becomes a motivation for using the automatic transaction apparatus 11, and a customer frequently visits the store or the like where the automatic transaction apparatus 11 is disposed, so that the ability to attract customers such as the store is improved. Furthermore, the usage frequency of the automatic transaction apparatus 11 increases, and the fee income of the automatic transaction apparatus 11 increases.

  Next, a second embodiment of the present invention will be described. In addition, about the thing which has the same structure as 1st Embodiment, the description is abbreviate | omitted by providing the same code | symbol. The description of the same operation and the same effect as those of the first embodiment is also omitted.

  FIG. 9 is a diagram showing a configuration of an automatic transaction apparatus use fee accumulation system according to the second embodiment of the present invention.

  In the present embodiment, coupons corresponding to the accumulated fee amount due to use of the automatic transaction apparatus 11 are issued, and by using the coupons, the customer can purchase goods or services at a discount price. It has become.

  Therefore, as shown in the figure, the automatic transaction apparatus 11 includes a coupon issue processing unit 15 for issuing a coupon. In the present embodiment, it is assumed that the automatic transaction apparatus 11 is disposed in a sales office 45 of a financial institution.

  The host computer 21 is connected to an account master 23 that manages account information of companies that operate stores such as convenience stores, supermarkets, and department stores. The center 20 is provided with a coupon server 24 for managing coupons. The coupon server 24 is a kind of computer provided with arithmetic means such as a CPU and MPU, storage means such as a semiconductor memory and a magnetic disk, communication means for communication, and the like, and is operated by a single computer such as a large general-purpose computer. It may be configured, or may be an organic combination of a plurality of computers such as a distributed server, or one of a plurality of systems constructed in a large computer It may be. The automatic transaction apparatus 11 is communicably connected to the coupon server 24 via the network 41, and issues coupons according to the accumulated fee amount by communicating with the coupon server 24 and the host computer 21. .

  And the said coupon server 24 is provided with the coupon issue process part 25 which processes issue of the coupon by the automatic transaction apparatus 11, and the coupon information management part 26 which manages deletion of the information when a coupon is utilized, etc. Further, the coupon server 24 is connected to a coupon issue information database 27 as a database for storing data such as coupon information. The data stored in the coupon issue information database 27 includes, for example, a coupon issue ID, a coupon content, a customer ID, available store information, an issue date, an expiration date, a used flag, and the like.

  In the figure, reference numeral 30 denotes a store of a store such as a convenience store, a supermarket, or a department store, and a POS terminal 31 as a register for adjusting the purchase price of the sold goods or services is arranged at the cash register of the store 30. It is installed. The POS terminal 31 confirms information on a code reader 32 for reading various codes such as a two-dimensional code called QR code (R) and a barcode such as a JAN code, and coupon information used by a customer. A coupon information confirmation unit 33 and a discount amount calculation unit 34 that calculates a discount amount due to the use of the coupon.

  The POS terminal 31 is communicably connected to the coupon server 24 via the network 42, and confirms coupon information used by the customer by communicating with the coupon server 24. The network 42 may be any communication line network such as a wired or wireless public communication line network, the Internet, an intranet, a LAN, a WAN, a VPN, or a satellite communication line network, and is a combination of these as appropriate. Further, it may be the same as the network 41.

  Moreover, in this Embodiment, the card insertion part 13b of the automatic transaction apparatus 11 has a function which prints the coupon information containing the service content etc. of a coupon on a transaction statement. The transaction statement slip functions as a coupon ticket, and can be discounted for the purchase price by presenting it to a staff member who performs the settlement of the purchase price at the store 30.

  Since the configuration of other points is the same as that of the first embodiment, description thereof is omitted.

  Next, the operation of the automatic transaction apparatus use fee accumulation system in the present embodiment will be described.

  FIG. 10 is a diagram showing an example of a transaction selection screen according to the second embodiment of the present invention, FIG. 11 is a diagram showing an example of a coupon issue screen according to the second embodiment of the present invention, and FIG. The 1st figure which shows the example of the coupon issuance impossible screen in 2nd Embodiment, FIG. 13 is the 2nd figure which shows the example of the coupon issuance impossible screen in the 2nd Embodiment of this invention, FIG. 14 is this It is a flowchart which shows operation | movement of the automatic transaction apparatus utilization fee storage system in 2nd Embodiment of invention.

  In the present embodiment, a coupon is issued by accumulating a fee for using the automatic transaction apparatus 11 outside the time. Here, an operation when the customer selects a withdrawal transaction by operating the transaction selection screen displayed on the customer operation unit 13a of the automatic transaction apparatus 11 will be described.

  In this case, a transaction selection screen as shown in FIG. 10 is displayed on the customer operation unit 13a of the automatic transaction apparatus 11. In the transaction selection screen, in addition to the transaction button as shown in FIG. 2 in the first embodiment, the cumulative amount of fees due to using the automatic transaction apparatus 11 outside the time exceeded the specified amount In this case, a “issue coupon” button for issuing a coupon that can be used at the store 30 is displayed. Then, the customer selects to issue a coupon by pressing a “issue coupon” button. Then, the selected information is transmitted to the control unit 13.

  Subsequently, the control unit 13 that has received the information displays a card insertion instruction screen that prompts the customer to insert a card on the screen of the customer operation unit 13a. Since the operation until the customer is determined to be a legitimate business partner is the same as that in the first embodiment, the description thereof will be omitted.

  When it is determined that the customer is a legitimate business partner, the control unit 13 determines whether a coupon can be issued. If the coupon cannot be issued, and the accumulated fee amount is insufficient for issuing the coupon, the coupon issuance impossible screen as shown in FIG. 12 is displayed on the screen of the customer operation unit 13a, and the process is terminated. To do. Further, even when the accumulated fee amount is sufficient for issuing a coupon, if the coupon for the current month has already been issued, a coupon issuance impossible screen as shown in FIG. 13 is displayed on the screen of the customer operation unit 13a. And display the process.

  Further, when the coupon can be issued, that is, when the accumulated fee amount is sufficient for issuing the coupon and the coupon for the current month is not issued, the control unit 13 is shown in FIG. Such a coupon issue screen is displayed on the screen of the customer operation unit 13a. Then, the customer presses an “issue” button. When the “Cancel” button is pressed, the control unit 13 causes the card inserted by the customer to be ejected from the card slot of the card insertion unit 13b, and ends the transaction process, as in the first embodiment. The transaction selection screen is displayed on the screen of the customer operation unit 13a and waits.

  Subsequently, the control unit 13 that has recognized that the “issue” button has been pressed causes the coupon information to be printed on the transaction statement slip, discharges the transaction statement slip as a coupon ticket, and ends the process. The coupon information is printed on the transaction statement as a code such as a QR code (R), for example. The coupon information includes an issuance financial institution code, a customer ID, a coupon issuance ID, usable store information, coupon contents, for example, a discount amount such as 20 yen discount, 0.5 [%] discount, etc. It is desirable. Such coupon information is also stored in the coupon issue information database 27. The coupon ID preferably includes a check digit so that the validity can be confirmed.

Next, a flowchart will be described.
Step S11 A transaction selection screen is displayed.
Step S12: Insert the cash card into the card slot of the card insertion portion 13b.
Step S13: Authentication using a password is performed.
Step S14: It is determined whether or not it is a legitimate trader. If it is a legitimate trader, the process proceeds to step S15. If it is not a legitimate trader, the process returns to step S11.
Step S15: It is determined whether a coupon can be issued. When the coupon can be issued, the process proceeds to step S17, and when the coupon cannot be issued, the process proceeds to step S16.
Step S16 A coupon issue impossible screen is displayed on the screen of the customer operation unit 13a, and the process is terminated.
Step S17 A coupon issue screen is displayed on the screen of the customer operation unit 13a.
Step S18 The transaction statement slip is discharged as a coupon and the process is terminated.

  Next, the operation | movement which utilizes the issued coupon is demonstrated.

  FIG. 15 is a flowchart showing an operation using a coupon in the second embodiment of the present invention, and FIG. 16 is a diagram for explaining the effect in the second embodiment of the present invention.

  First, when a customer purchases goods or services sold at the store 30 and settles the price, the coupon issued by the card insertion unit 13b of the automatic transaction apparatus 11 is paid for the cashier at the store 30 or the like. Present it to the staff in charge of checkout. That is, a coupon is presented. Then, the clerk reads the coupon information using the code reader 32 of the POS terminal 31.

  Subsequently, the coupon information confirmation unit 33 identifies the center 20 and the coupon server 24 of the financial institution to be communicated by the issued financial institution code, and confirms the validity of the coupon information by communicating with the coupon server 24. . And if the validity of coupon information is confirmed, the service according to the coupon content will be provided with respect to the said customer. Here, the discount amount calculation unit 34 calculates a discount amount according to the contents of the coupon, and the discount amount is subtracted from the price to be settled. Further, the calculated coupon discount amount information is notified from the POS terminal 31 to the center 20. In this case, the discount amount information is notified together with information on the store 30, for example, the ID of the company that operates the store 30, the store number, and the like, and is received by the host computer 21.

  Then, the host computer 21 transfers the coupon discount amount to the account corresponding to the store 30, specifically, to the account of the company that operates the store 30. In this case, the account of the company can be specified by accessing the account master 23 based on the ID of the company. Note that the transfer of the discount amount of the coupon may be performed each time, or may be performed collectively at a predetermined time such as the end of the month.

Next, a flowchart will be described.
Step S21 A coupon is presented.
Step S22 The discount information of the calculated coupon is notified from the POS terminal 31 to the center 20.
Step S23: The coupon is transferred to the account of the company that operates the store 30, and the process is terminated.

  As described above, in the present embodiment, the fee amount when the customer performs a paid transaction using the automatic transaction apparatus 11 is automatically accumulated, and the customer can select the product or the product according to the accumulated fee amount. Coupons for purchasing services at discounted prices can be obtained.

  Therefore, as shown in FIG. 16, the customer can purchase goods or services at a discount price at the store 30 by using the coupon. As a result, the company that operates the store 30 increases the number of visitors to the store 30 and can receive a discount from the financial institution. Moreover, since the frequency of use of the automatic transaction apparatus 11 becomes high, the financial institution which operates the automatic transaction apparatus 11 can increase the fee income of the automatic transaction apparatus 11, and can improve customer satisfaction.

  In addition, this invention is not limited to the said embodiment, It can change variously based on the meaning of this invention, and does not exclude them from the scope of the present invention.

It is a block diagram which shows the structure of the automatic transaction apparatus utilization fee storage system in the 1st Embodiment of this invention. It is a figure which shows the example of the transaction selection screen in the 1st Embodiment of this invention. It is a figure which shows the example of the card insertion instruction | indication screen in the 1st Embodiment of this invention. It is a figure which shows the example of the PIN code input screen in the 1st Embodiment of this invention. It is a figure which shows the example of the payment amount input screen in the 1st Embodiment of this invention. It is a figure which shows the example of the screen at the time of the last confirmation in the 1st Embodiment of this invention. It is a figure which shows the example of the accumulation fee amount display screen in the 1st Embodiment of this invention. It is a flowchart which shows operation | movement of the automatic transaction apparatus utilization fee storage system in the 1st Embodiment of this invention. It is a figure which shows the structure of the automatic transaction apparatus utilization fee storage system in the 2nd Embodiment of this invention. It is a figure which shows the example of the transaction selection screen in the 2nd Embodiment of this invention. It is a figure which shows the example of the coupon issue screen in the 2nd Embodiment of this invention. It is a 1st figure which shows the example of the coupon issue impossible screen in the 2nd Embodiment of this invention. It is a 2nd figure which shows the example of the coupon issue impossibility screen in the 2nd Embodiment of this invention. It is a flowchart which shows operation | movement of the automatic transaction apparatus utilization fee storage system in the 2nd Embodiment of this invention. It is a flowchart which shows the operation | movement which utilizes the coupon in the 2nd Embodiment of this invention. It is a figure explaining the effect in the 2nd Embodiment of this invention.

Explanation of symbols

11 Automatic transaction apparatus 21 Host computer 24 Coupon server 30 Store 31 POS terminal

Claims (5)

(A) an automatic transaction apparatus that is operated by a customer to perform transactions;
(B) a financial institution's high-level accounting device;
(C) a coupon server for managing coupons;
(D) An automatic transaction apparatus usage fee accumulation system having a POS terminal for payment at a store,
(E) The automatic transaction apparatus issues a coupon according to the accumulated commission amount of the customer,
(F) The POS terminal subtracts the discount amount according to the coupon and performs payment,
(G) The automatic transaction apparatus usage fee accumulation system, wherein the accounting system host apparatus transfers an amount corresponding to the discount amount to an account corresponding to the store. 2. The automatic transaction apparatus usage fee according to claim 1, wherein the accounting system host apparatus accumulates a fee amount for a charged transaction performed by a customer operating an automatic transaction apparatus, and stores the accumulated fee amount as an accumulated fee amount corresponding to the customer. Accumulation system. The automatic transaction apparatus use fee accumulation system according to claim 1 or 2, wherein the automatic transaction apparatus issues a coupon corresponding to the accumulated fee amount by communicating with the accounting system host apparatus and a coupon server. The automatic transaction apparatus use fee accumulation system according to any one of claims 1 to 3, wherein the POS terminal transmits information on the discount amount to the billing system upper apparatus and a coupon server. The automatic transaction apparatus use fee accumulation system according to any one of claims 1 to 3, wherein the automatic transaction apparatus issues coupons by printing coupon information including information for confirming validity on a transaction statement slip.

Images