JP2011243045A - Automated teller machine control apparatus and automated teller machine control program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an automated teller machine control apparatus that enable transaction allowing change to be returned even when a customer has no bank account or no coin depositing/dispensing machine is installed in an automated teller machine.SOLUTION: The automated teller machine control apparatus for controlling processing of an automated teller machine includes: first transaction processing means for acquiring information necessary for first transaction selected by a user to execute first transaction processing; specific account storing means for storing specific account information of a person different from a person concerned in the first transaction; and second transaction processing means that executes second transaction processing for reading the specific account information from the specific account storing means when there is a need to return money to the user in the first transaction, to deposit a part or all of the money to be returned to the user in the specific account.

Description

  The present invention relates to an automatic transaction control apparatus and an automatic transaction control program, and can be applied to, for example, an automatic transaction control apparatus and program of an automatic transaction apparatus installed in a financial institution, a convenience store, or the like.

  For example, automatic transaction devices operated by an unspecified number of users are installed in financial institutions such as banks, convenience stores, and stations. Using the automatic transaction apparatus, the user can perform financial transactions such as a transfer transaction using cash, a deposit transaction such as deposit, and a withdrawal transaction such as withdrawal.

  In Patent Document 1, when a customer makes a transfer transaction using an automatic transaction apparatus and a change occurs, the change is stored in the customer's own account in order to shorten the time for counting the change of the automatic transaction apparatus. A technique for depositing money is disclosed. As a result, when a change occurs, the change can be credited to the customer's account, so the change operation of the change in the automatic transaction apparatus is eliminated, and the time can be reduced accordingly.

Japanese Patent Laid-Open No. 8-161591

  By the way, when applying the technique described in Patent Document 1, it is necessary that the customer has opened his / her own bank account, and there is a problem in that it cannot be applied unless he / she has opened his / her own bank account. obtain.

  Moreover, when a coin is contained in a change, it is necessary for an automatic transaction apparatus to mount a coin depositing and dispensing machine. If a coin input / output machine is not installed in the automatic transaction apparatus, since there is no change for coins, there may be inconveniences such as the user being unable to make transactions.

  Therefore, even if the customer's own bank account is not opened or the automatic transaction device is not equipped with a coin depositing and dispensing machine, the automatic transaction device can perform financial transactions such as transfer transactions. There is a need for a transaction control device and an automatic transaction control program.

  In order to solve such a problem, an automatic transaction control device according to a first aspect of the present invention is an automatic transaction control device that controls processing of an automatic transaction device, and (1) deals with a first transaction selected by a user. First transaction processing means for acquiring necessary information and executing first transaction processing; (2) specific account storage means for storing specific account information of a person different from the party of the first transaction; (3) When money to be returned to the user is generated by the first transaction, the specific account information is read from the specific account storage means, and part or all of the money to be returned to the user is deposited in the specific account. And second transaction processing means for executing second transaction processing.

  The automatic transaction control program according to the second aspect of the present invention is the automatic transaction control program for controlling the processing of the automatic transaction apparatus, wherein (1) a user selects a computer having specific account storage means for storing specific account information. The first transaction processing means for acquiring information necessary for the transaction for the first transaction and executing the first transaction processing, (2) specified when money to be returned to the user by the first transaction occurs It is made to function as a 2nd transaction processing means to perform the 2nd transaction processing which reads specific account information from the account storage means of this, and deposits a part or all of the money returned to a user to a specific account, To do.

  According to the present invention, even when a customer's own bank account is not opened or a coin depositing and dispensing machine is not mounted on an automatic transaction apparatus, a financial transaction such as a transfer transaction can be performed.

It is an internal block diagram which shows the internal structure of the automatic transaction apparatus of embodiment. It is a whole lineblock diagram showing the whole automatic transaction system composition of an embodiment. It is a block diagram which shows the function of the transaction processing part of embodiment. It is a flowchart which shows the automatic transaction process of 1st Embodiment. It is a figure which shows the example of a display screen displayed when depositing the change to the specific account of 1st Embodiment. It is a flowchart which shows the automatic transaction process of 2nd Embodiment. It is a figure which shows the example of a display screen displayed when depositing the change to the specific account of 2nd Embodiment.

(A) 1st Embodiment Below, the 1st Embodiment of the automatic transaction control apparatus and automatic transaction control program of this invention is described, referring drawings.

(A-1) Configuration of First Embodiment (A-1-1) Overall Configuration FIG. 2 is an overall configuration diagram showing an overall configuration of the automatic transaction system of the first embodiment. In FIG. 2, the automatic transaction system 10 includes at least an automatic transaction apparatus 1, an information terminal 2, and a host computer 5 that are connected to a dedicated line 4.

  The automatic transaction apparatus 1 is installed in, for example, a financial institution such as a bank or a store 3 such as a convenience store, and is operated by a user to perform a transfer transaction, a deposit transaction (for example, a deposit transaction), a withdrawal transaction (for example, a withdrawal transaction), etc. Financial transactions. The automatic transaction apparatus 1 is connected to a dedicated line 4 and transmits transaction information relating to a financial transaction input by a user to the host computer 5 via the dedicated line 4, and the transaction result by the host computer 5 is dedicated. It is received via the line 4 and displays transaction information.

  The information terminal 2 is a terminal that is installed in the store 3 and can communicate with the host computer 5. The information terminal 2 is for confirming transaction information managed by the host computer 5 by an operation of an employee of the store 3 or the like. As a result, the employee can confirm whether or not payment has been made to the account opened by the store. As long as the information terminal 32 can communicate with the host computer 5, various information terminals can be widely applied. For example, although not shown, the information terminal 2 may be a terminal (such as a personal computer) configured with input means, display means, communication means, etc., a dedicated information terminal, or mounted in a store register or the like. The information communication apparatus may be used.

  The host computer 5 is a host computer on the center side of the financial institution. The host computer 5 exchanges transaction information with the automatic transaction apparatus 1 via the dedicated line 4 and executes a financial transaction desired by the user based on the transaction information from the automatic transaction apparatus 1 or a database (illustrated). No), transaction information is managed, and transaction results are transmitted to the automatic transaction apparatus 1. The host computer 5 receives a request from the information terminal 32 and gives management information to the information terminal 2 for the requested transaction information.

(A-1-2) Internal Configuration of Automatic Transaction Device FIG. 1 is a block diagram showing the internal configuration of the automatic transaction device of the first embodiment. In FIG. 1, the automatic transaction apparatus 1 according to the first embodiment includes at least a user operation display unit 21, a card reader printer unit 22, a banknote deposit / withdrawal unit 23, a passbook unit 24, and a control unit 25. Is.

  Under the control of the control unit 25, the user operation display unit 21 captures input information by displaying a selection screen for selecting a transaction type and a display unit for displaying a guidance screen for each transaction, and inputting the input information. It consists of the operation means given to the control part 25. The user operation display unit 21 may have a configuration in which the operation unit and the display unit are separate, or may be a unit in which the operation unit and the display unit are integrated, such as a touch panel display. .

  The user operation display unit 21 displays, for example, transaction selection key information of a transaction type such as a transaction such as transfer, deposit, withdrawal, etc., and a guidance screen for each transaction by a user operation, and information necessary for the transaction. It is captured as input information. For example, in the case of a transfer transaction, the transfer destination financial institution name, store name, subject, account number, recipient name, client name, client phone number, transfer amount, etc. are taken as input information, and for example, transactions such as deposits and withdrawals In this case, the account number, password, deposit / withdrawal amount, etc. are taken as input information.

  The card reader printer unit 22 reads information recorded on a card used for transactions such as a bank card and a transfer card received from the reception port, and gives the read information to the control unit 25 or receives it from the control unit 25. The transaction information is written on the card, and the card is discharged from the outlet. As the card, for example, a card on which an IC chip or the like is mounted, a card that can store information by a magnetic method, or the like can be applied. The card reader printer unit 22 can correspond to a card that stores information by an electrical method or a magnetic method. In FIG. 1, only one card reader / printer unit 22 is shown, but a plurality of card reader / printer units 22 are provided depending on the configuration such as an electrical method, a magnetic method, or the like. May be.

  Further, the card reader printer unit 22 prints transaction information on a medium (for example, paper) and discharges the transaction information as a statement slip from the discharge port. Further, the card reader printer unit 22, for example, when a change occurs in a transaction, when the control unit 25 transfers the change to a specific account (for example, a specific account opened by a store owner or the like) described later, The transaction information related to the transfer transaction is printed on a medium such as paper and discharged from the outlet as a statement slip.

  In addition, in 1st Embodiment, although the case where a change is a coin is demonstrated for convenience of explanation, it is good also as what contains a banknote.

  The banknote deposit / withdrawal unit 23 takes in the banknotes received from the receiving port, calculates the amount of the banknotes taken in, and stores the banknotes in a storage (not shown), or stores the banknotes in the banknotes in the control unit 25. It is something to give. Moreover, the banknote depositing / withdrawing part 23 takes out the banknote corresponding to the money amount instruct | indicated from the control part 25 from a storage, and discharges the banknote from an output port.

  The passbook unit 24 reads the information recorded in the passbook received from the reception port, gives the read information to the control unit 25, enters the transaction information received from the control unit 25 into the passbook, Is output from

  The control unit 25 is a processing unit or device that controls transaction processing of the automatic transaction apparatus 1. The control unit 25 is connected to the user operation display unit 21, the card reader printer unit 22, the banknote deposit / withdrawal unit 23, and the passbook unit 24, and performs transaction processing selected by the user.

  As shown in FIG. 1, the control unit 25 includes at least a storage unit 251, a transaction processing unit 252, and a communication unit 253.

  The communication unit 253 is a processing unit and apparatus that exchange information with the host computer 5 through the dedicated line 4. For example, when the information necessary for the transaction is stored in the storage unit 251 and the user confirms that the transaction selected by the information is performed, the communication unit 253 transmits the information stored in the storage unit 253 to the host computer. Send to 5. Further, when receiving the transaction result from the host computer 5, the communication unit 253 gives the transaction result to the transaction processing unit 252 and causes the user operation display unit 21 to display the transaction result.

  The storage unit 251 is a storage area that stores information necessary for financial transactions. For example, the storage unit 251 stores a guidance screen for each transaction displayed on the user operation display unit 21, user input information, and the like. When a transaction desired by the user is selected through the user operation display unit 21, a guidance screen for each transaction is read from the storage unit 251 and displayed on the user operation display unit 21. In addition, the storage unit 251 takes in information necessary for a transaction as input information from the user operation display unit 21, the card reader printer unit 22, the passbook unit 24, and the like, and stores this input information.

  In addition, the storage unit 251 stores account information (for example, account name, financial institution name, store name, subject, account number, etc.) of a specific account that is a transfer destination to which the change is transferred.

  Here, the specific account refers to an account of a financial institution that deposits an amount corresponding to a change, unlike an account of a financial institution of a party of a transaction performed by a user of the automatic transaction apparatus 1. In the first embodiment, the specific account is a bank account of a person who, when money is deposited in the account, delivers the deposited money to the depositor (user) in cash. For example, if the account of the store 3 where the automatic transaction apparatus 1 is installed corresponds, for example, if the store 3 is a financial institution such as a bank or a convenience store, the account of the store of the financial institution or convenience store. Can do. Note that the specific account is not limited to the account of the store where the automatic transaction apparatus 1 is installed as long as it is an account of a person who returns the received money in cash.

  The transaction processing unit 252 is a processing unit and a device that fetches information necessary for a transaction desired by the user from the user operation display unit 21, the card reader printer unit 22, and the passbook unit 24. When the transaction processing unit 252 captures the transaction type desired by the user, the transaction processing unit 252 acquires information necessary for the transaction for each transaction type. Further, when the transaction processing unit 252 obtains confirmation from the user to perform the transaction, the transaction processing unit 252 provides information necessary for the transaction to the communication unit 253 and provides the information to the host computer 5.

  Further, the transaction processing unit 252 receives specific account information from the storage unit 251 when the transaction processing selected by the user generates a difference between the transaction amount and the deposit amount (hereinafter also referred to as change). Is read out and the change is deposited into a specific account.

  FIG. 3 is a functional block diagram functionally showing the processing of the transaction processing unit 252. In FIG. 3, the transaction processing unit 252 includes at least a financial transaction processing unit 31 and a specific account deposit processing unit 32.

  The financial transaction processing unit 31 performs transaction processing of the automatic transaction apparatus 1. The financial transaction processing unit 31 performs a transaction process selected by the user based on input information from the user operation display unit 21 or the like. For example, the financial transaction processing unit 31 withdraws money from a transfer processing unit 311 that performs a transfer process, for example, a deposit processing unit 312 that performs a deposit process for depositing money into an established account, such as an established account. A withdrawal processing unit 313 for performing a withdrawal process.

  The transfer processing unit 311 receives information necessary for the transfer transaction from the user operation display unit 21, the card reader printer unit 22, and the passbook unit 24, and uses the transfer amount of the amount received from the banknote deposit / withdrawal unit 23 as the transfer destination. Acquire transaction information of the contents to be transferred. In addition, the transfer processing unit 311 transmits the transaction information of the transfer contents to the host computer 5 and causes the host computer 5 to execute the transfer transaction. Further, the transfer processing unit 311 displays the transaction information related to the transfer transaction after the transfer transaction processing is completed, as one of the user operation display unit 21, the card reader printer unit 22, the banknote input / output money unit 23, and the bankbook unit 24. Give to all.

  The deposit processing unit 312 receives information necessary for the deposit transaction from the user operation display unit 21, the card reader printer unit 22, and the passbook unit 24, and deposits the deposit amount out of the amount received from the banknote deposit / withdrawal unit 23 into the account. Get transaction information of the content to be. Further, the deposit processing unit 312 transmits the transaction information to the host computer 5 and causes the host computer 5 to execute a deposit transaction. Further, after the deposit transaction processing is completed, the deposit processing unit 312 displays transaction information related to the deposit transaction as one of the user operation display unit 21, the card reader printer unit 22, the banknote input / output deposit unit 23, and the bankbook unit 24. Give to all.

  The withdrawal processing unit 313 receives information necessary for the withdrawal transaction from the user operation display unit 21, the card reader printer unit 22, and the passbook unit 24, and obtains transaction information with which the withdrawal amount is withdrawn from the account. To do. In addition, the withdrawal processing unit 313 transmits transaction information to the host computer 5 and causes the host computer 5 to perform a withdrawal transaction. Further, the withdrawal processing unit 313 displays transaction information relating to the withdrawal transaction after the withdrawal transaction processing is completed, on the user operation display unit 21, the card reader printer unit 22, the banknote input / output money unit 23, and the bankbook unit 24. Give to any or all.

  The specific account deposit processing unit 32 reads the specific account information from the storage unit 251 when the amount of money between the amount related to the transaction and the deposit amount is generated, and stores the transaction information of the contents for depositing the change into the specific account. get. In addition, the specific account deposit processing unit 32 transmits transaction information for depositing money for a change to a specific account to the host computer 5 and causes the host computer 5 to execute a deposit transaction. In addition, about the deposit transaction which deposits a change to a specific account, you may make it the deposit process part 311 and the transfer process part 311 perform.

  Further, the specific account deposit processing unit 32 gives the transaction information to the card reader printer unit 22 every time a deposit transaction for depositing the change into a specific account is completed. Thereby, it is possible to output from the card reader printer unit 22 a statement slip indicating that the change has been deposited into a specific account.

(A-2) Operation of the First Embodiment Next, the operation of the automatic transaction control process of the first embodiment will be described with reference to the drawings. Below, the case where a user performs the case where the transfer transaction by cash is performed using the automatic transaction apparatus 1 is illustrated.

  FIG. 4 is a flowchart showing an automatic transaction control process in the automatic transaction apparatus 1.

  First, the user selects a transaction selection key for cash transfer from a transaction menu displayed on the user operation display unit 21 of the automatic transaction apparatus 1 (steps S300 and S301).

  The cash transfer selection information selected by the user is given from the user operation display unit 21 to the control unit 25. In the control unit 25, the transaction processing unit 252 starts a transfer transaction based on the cash transfer selection information received from the user operation display unit 21.

  The transaction processing unit 252 reads the transfer transaction guidance screen from the storage unit 251 and gives it to the user operation display unit 21. Accordingly, the user operation display unit 21 prompts input of information necessary for the transfer transaction by displaying a guidance screen for guiding the transfer transaction processing procedure. The user who sees this guidance screen inputs information necessary for the transfer transaction according to the guidance screen. When information necessary for the transfer transaction is input, the input information is stored in the storage unit 251.

  The transfer transaction processing procedure is not particularly limited. In FIG. 4, an example is shown in steps S302 to S305.

  In addition to the procedure illustrated in FIG. 4, for example, when the user has a transfer card for recording information of the transfer transaction in the past, the transfer transaction is started from the transfer card in which the card reader printer unit 22 is inserted. Necessary information (such as the name of the financial institution at the transfer destination, the store name, the subject, and the account number) may be read out.

  In FIG. 4, when a screen prompting the input of the name of the transfer person (client) is displayed on the user operation display unit 21, the user inputs the name of the transfer person, and the transfer person information is sent to the transaction processing unit 252. Is provided (step S302).

  Next, when a screen for prompting the input of the bank information such as the name of the financial institution, the store name, the subject, and the account number is displayed on the user operation display unit 21, the user inputs the bank information and the bank account. Information is given to the control unit 25 (step S303). Further, when a screen for prompting the input of the transfer amount is displayed on the user operation display unit 21, the user inputs the transfer amount and the transfer amount is given to the transaction processing unit 252 (step S304).

  When a screen for depositing banknotes is displayed on the user operation display unit 21, the user inserts banknotes into the receiving port. The banknote deposit / withdrawal unit 23 counts the banknotes taken from the receiving port, and the deposit amount of the banknotes is given to the transaction processing unit 252 (step S305).

  When information necessary for the cash transfer transaction is input according to the procedure of steps S302 to S305, the user operation display unit 21 displays a screen indicating whether or not the content of the transfer transaction is correct, and prompts confirmation of the content. (Step S306). The user confirms the content of the displayed transfer transaction, and presses a confirmation button when performing the transfer transaction, and presses a cancel button when not performing the transfer transaction.

  When the confirmation button is pressed, the transaction processing unit 252 of the control unit 25 receives and receives the input information input by the user because the user has confirmed that the transfer transaction is performed based on the input information. The transfer transaction is processed using the received money amount.

  The transaction processing unit 252 adds the transfer amount and the fee to calculate the amount related to the transfer transaction. Transaction processing unit 252 compares the amount related to the transfer transaction with the amount received from the user, and if the amount of money matches the amount related to the transfer transaction, the transaction with the content of transferring the transfer amount to the account of the transfer destination Information is transmitted to the host computer 5 to perform normal transfer processing.

  On the other hand, if the deposit amount is greater than the amount related to the transfer transaction, the change is calculated by subtracting the deposit amount from the amount related to the transfer transaction, and the transaction processing unit 252 The transaction information of the contents to be transferred to the account is sent to the host computer 5 to perform normal transfer processing. Then, when the host computer 5 gives a result indicating that the transfer transaction has been completed, the transaction processing unit 252 performs a change refund process.

  When the transaction processing unit 252 can refund the bill for the bill, the transaction processing unit 252 returns the bill corresponding to the amount from the bill input / output money unit 23 (step S307).

  Furthermore, the transaction processing unit 252 reads specific account information from the storage unit 251 for the coin change, and performs a deposit process of depositing an amount corresponding to the coin change into the specific account (step S308). In the first embodiment, when a coin change occurs, the transaction processing unit 252 performs a process of depositing the change into a specific account. At this time, the transaction processing unit 252 A display screen explaining that fact may be displayed on the user operation display unit 21, and after receiving confirmation from the user, a payment process to a specific account of the change may be performed.

  Next, in the automatic transaction apparatus 1, the card reader printer unit 22 receives transaction information of the deposit transaction to the specific account of the change from the transaction processing unit 252 of the control unit 25, and generates a statement based on the transaction information. Print and discharge (step S309).

  The customer who receives the statement slip presents the statement slip to the clerk at the checkout counter. The store clerk enters the transaction number printed on the statement slip into the information terminal 2, confirms that the coin change has been credited to the bank account (specific account) managed by the store, Return the change to the customer with coins.

  Here, between the automatic transaction apparatus 1 and the host computer 5, a normal transfer process instructed by the user and a deposit process to a specific account of the change are performed. It is a separate financial transaction, with each transaction number. The store clerk can confirm that the transaction number has been deposited by inputting the deposit transaction number to the specific account of the change using the information terminal 2.

  In addition, since the normal transfer process can be regarded as a transaction in which the transfer process to a specific account of the change is regarded as the main transaction, the host computer 5 performs the normal transfer process for the deposit process to the specific account of the change. You may make it manage using the information (for example, tied number etc.) which can be tied with the transaction number of a process.

  In addition, if a cancellation button is pressed in step S306, since a user will show the intention not to perform the said transaction, under control of the control part 25, the banknote depositing / withdrawing part 23 returns the banknote of the taken in deposit amount. (Step S310), the transfer process is terminated (S311).

(A-3) Effect of First Embodiment As described above, according to the first embodiment, when a change to be returned to the user of the automatic transaction apparatus 1 occurs, the change is made to a specific account of the change. If the store confirms the money deposited in a specific account, the money deposited in that specific account can be paid in cash, so it can be used by customers who do not have a bank account. .

  Moreover, in 1st Embodiment, even in the automatic transaction apparatus in which the coin depositing / withdrawing machine is not mounted, financial transactions, such as cash transfer, are possible, without changing apparatus structure largely.

(B) 2nd Embodiment Next, 2nd Embodiment of the automatic transaction control apparatus and automatic transaction control program of this invention is described, referring drawings.

(B-1) Configuration and operation of the second embodiment In the first embodiment, a specific account, such as a store where the automatic transaction apparatus 1 is installed, cash the money deposited in the account. However, in the second embodiment, a case where the specific account is a bank account that accepts donations such as donations is exemplified.

  The second embodiment can also be described using the configuration of the transaction processing unit 252 of the automatic transaction system 10, the automatic transaction apparatus 1, and the automatic transaction apparatus 1 described in the first embodiment. Description will be made with reference to FIG.

  FIG. 6 is a flowchart showing the operation of automatic transaction processing in the automatic transaction apparatus 1 of the second embodiment. In FIG. 6, the case where a user performs the transaction procedure of cash transfer using the automatic transaction apparatus 1 is illustrated.

  In FIG. 6, in the automatic transaction apparatus 1, as in the first embodiment, a transaction selection key for cash transfer is selected by the user (steps S500 and S501), and a transfer transaction guide screen is displayed on the user operation display unit. 21, information necessary for the transfer transaction is input by the user (steps S <b> 502 to S <b> 504), and bills are deposited (step S <b> 505).

  Further, in the automatic transaction apparatus 1, as in the first embodiment, the user operation display device 21 displays the transaction content and prompts the user to confirm the content (step S506). When the confirmation button is pressed by the user, when the transaction processing unit 252 determines that the deposit amount is equal to or greater than the amount related to the transfer transaction, the transaction information indicating that the transfer amount is transferred to the transfer destination account is sent to the host computer 5. Send and perform normal transfer processing. When the host computer 5 gives a result indicating that the transaction has been completed, the transaction processing unit 252 performs a change refund process.

  When the deposit amount is larger than the amount related to the transfer transaction, the transaction processing unit 252 calculates a change that is an amount obtained by subtracting the deposit amount from the amount related to the transfer transaction. When the change can be refunded for the bill, the transaction processing unit 252 returns the bill corresponding to the amount from the bill input / output money unit 23 (step S507).

  In addition, the transaction processing unit 252 confirms with the user whether or not to raise money for the coin change (step S508).

  For example, the user operation display unit 21 displays a display screen as illustrated in FIG. For example, as shown in FIG. 7, it is displayed that the change of the coin is “xxx yen”, and the content for inquiring whether or not to donate the change to the zz donation is displayed. In addition, a donation button 701 and a cash button 702 are displayed on the display screen illustrated in FIG.

  When the user agrees to donate the change, the user presses the donation button 701. When the donation button 701 is pressed, the transaction processing unit 252 reads account information of the financial institution for donation from the storage unit 251, deposits the money for the change into a specific account for donation (step S 509), and A statement slip relating to the deposit transaction to the specific account for donation is printed and discharged (step S510).

  In step S508, when the cash button 702 is pressed, the process proceeds to step S511, and the process of depositing the specific account for the change described in the first embodiment is performed (steps S511 and S510).

  Here, the specific account for fund-raising may be, for example, an account opened by a store for fund-raising performed by a convenience store or the like, or may be an account of a person who is raising the fund-raising. The specific account for donation need not be one, but may be plural. That is, a plurality of donations may be targeted. If there are multiple donations, a display screen will be displayed that allows the user to select which donation will be used to receive the change, and the change will be added to the specific account of the donation selected by the user. Good. In this case, for example, the storage unit 251 is provided with identification information for identifying each specific account information (including specific account information for cash refund and specific account information for donation). It can be realized by reading a specific account of the corresponding identification information by the user's selection operation.

(B-2) Effects of Second Embodiment As described above, according to the second embodiment, time and labor can be saved for customers who do not wish to return with a small amount of change. Further, according to the second embodiment, there is an advantage that the amount of donations increases in the store.

(C) Other Embodiments (C-1) In the first embodiment, the cashier accepts the coin change at the cashier counter, but the cashier accepts the coin change at the cashier counter (for example, IC It is also possible to charge a chip-mounted card or a mobile phone.

(C-2) In the first and second embodiments, since there may be a customer who does not come to receive the coin change, the change of the coin that has not been received within a certain period is automatically You can also raise money. In that case, during the transaction in the automatic transaction apparatus, it is displayed that the funds are automatically raised after a certain period of time, and the customer is guided.

(C-3) In the first and second embodiments, when confirming the receipt of the coin change with the cashier counter, a barcode (for example, a concept including a one-dimensional barcode and a two-dimensional code) is printed on the statement slip. By reading the barcode with the information terminal, the operation of the store clerk can be simplified and performed instantly. In this case, the card reader printer unit of the automatic transaction apparatus needs to have a function of performing barcode printing indicating payment to a specific account. In addition, the coin change can be withdrawn simultaneously with the barcode reading by interlocking with the change.

(C-4) About the transfer transaction to a specific account, you may make it transfer the whole change to a specific account, for example, when a change contains a banknote, a part of change is made into a specific account. You may make it transfer. In this case, the specific account deposit processing unit may be able to specify the amount of change to be transferred to the specific account.

1 ... Automatic transaction device,
21 ... User operation display unit, 22 ... Card reader printer unit, 23 ... Banknote deposit / withdrawal unit,
24 ... Passbook unit, 25 ... Control unit, 251 ... Storage unit, 252 ... Transaction processing unit,
253 ... communication section,
2 ... Information terminal, 3 ... Store, 4 ... Dedicated line, 5 ... Host computer,
31 ... Financial transaction processing unit, 311 ... Transfer processing unit, 312 ... Deposit processing unit,
313 ... withdrawal processing unit, 32 ... specific account deposit processing unit.

Claims (7)

In the automatic transaction control device that controls the processing of the automatic transaction device,
First transaction processing means for acquiring information necessary for the transaction for the first transaction selected by the user and executing the first transaction processing;
Specific account storage means for storing specific account information of a person different from the party of the first transaction;
When money to be returned to the user is generated by the first transaction, the specific account information is read from the specific account storage means, and a part or all of the money to be returned to the user is deposited into the specific account. And a second transaction processing means for executing the second transaction processing. The automatic transaction apparatus comprises a print output means for printing and outputting transaction information on a medium,
The second transaction processing means gives the print output means transaction information indicating that the specific account has been deposited, and causes the print output means to output a medium on which the transaction information is printed. The automatic transaction control apparatus according to claim 1, characterized in that:   The second transaction processing means deposits a part or all of the difference between the amount related to the transaction and the deposited amount deposited in the first transaction into the specific account. The automatic transaction control apparatus according to claim 1 or 2.   4. The automatic transaction control apparatus according to claim 3, wherein the money to be deposited into the specific account is a coin corresponding to the difference money.   5. The automatic transaction control device according to claim 1, wherein the specific account is an account of a store where the automatic transaction device is installed.   The automatic transaction control device according to claim 1, wherein the specific account is an account for depositing funds. In an automatic transaction control program for controlling processing of an automatic transaction apparatus,
A computer comprising specific account storage means for storing specific account information;
First transaction processing means for acquiring information necessary for the transaction for the first transaction selected by the user and executing the first transaction processing;
When money to be returned to the user is generated by the first transaction, the specific account information is read from the specific account storage means, and a part or all of the money to be returned to the user is deposited into the specific account. An automatic transaction control program that functions as second transaction processing means for executing second transaction processing.

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