JP2013003932A - Automatic transaction device, automatic transaction system and automatic transaction method - Google Patents

Abstract

[PROBLEMS] To improve customer convenience by guiding a repayable method that can be refined by at least a card type among a plurality of repayment methods, or a more preferable repayment method among repayable methods that can be repaid. It is an object of the present invention to provide an automatic transaction apparatus, an automatic transaction system, and an automatic transaction method.
An automatic transaction apparatus 1 having a reading means 4 for reading medium information stored in a transaction medium having a credit function, and whether or not the transaction medium has a cash function in addition to a credit function. The discriminating means 2 for discriminating the type of transaction medium based on the medium information, and a predetermined repayment among a plurality of repayment methods in credit repayment based on the transaction medium type discriminating result information discriminated by the discriminating means 2 It was comprised with the control means 2 which guides a system.
[Selection] Figure 1

Description

  The present invention relates to an automatic transaction apparatus, an automatic transaction system, and an automatic transaction method having a credit repayment function installed in a financial institution such as a bank or a postal public corporation, and an improvement in convenience when a customer performs a credit repayment transaction. The present invention relates to an automatic transaction apparatus, an automatic transaction system, and an automatic transaction method that can be implemented.

  In recent years, handling of credit repayment transactions in an automatic transaction apparatus such as a bank has been expanded in order to obtain fee income and improve convenience for customers. On the other hand, there are an increasing number of automatic transaction devices installed in convenience stores and booths outside the store that are not equipped with a coin processing unit in order to save space and reduce operational costs.

  In addition, the amount handled in the repayment transaction is generally an amount having a fraction of one yen because it covers borrowing amount, interest, product price, and the like. In order to handle an amount of 1 yen in an automatic transaction apparatus, it is necessary to install a coin processing unit. For this reason, in an automatic transaction apparatus that is not equipped with a coin processing unit, there are restrictions such as allowing the repayment of a partial amount of only banknotes excluding the fractional amount or suppressing the repayment transaction itself. It will be.

  As described above, the credit repayment in the automatic transaction apparatus is not limited to the full repayment, but can be repaid by various repayment methods such as partial repayment or transfer repayment. The repayment method may be limited depending on various factors such as whether or not it has a coin processing unit and whether the repayment amount has a fraction less than 1,000 yen. May not be able to make the desired repayment transaction.

  However, in the past, multiple repayment methods, including repayment methods that are not actually repayable, are simply displayed side by side on the display, so it is troublesome to select a suitable repayment method from among multiple repayment methods. Or a wrong repayment method may be selected, and a smooth repayment transaction cannot be performed, which requires the effort of the customer.

  In addition, although the credit repayment amount usually has a fraction such as interest, the exact repayment required amount cannot be grasped until the credit company is inquired by operating the automatic transaction device. There is a possibility that the repayment required amount is insufficient at the stage of actual repayment transaction.

  However, for example, in the case of performing repayment transactions by cash repayment using an automatic transaction apparatus not equipped with a coin processing unit, if the customer can only guide repayment transactions using the full cash repayment method, the customer will withdraw cash for repayment in advance. It is necessary to prepare either to bring in or to withdraw in advance by operating the automatic transaction apparatus.

In response to such issues, an "automatic transaction system" has been proposed that allows customers to continue payment transactions and transfer transactions after paying transactions in an automatic transaction device and apply the payment amount previously made to the payment. (See Patent Document 1).
The "automatic transaction system" of Patent Document 1 is a system that allocates funds for deposit transactions and transfer transactions through ATMs installed at financial institutions that are not affiliated with customers from the accounts of financial institutions with which the customers are affiliated. is there.

In addition, by accepting media corresponding to a plurality of accounts, obtaining account information of the accounts, estimating the source and destination accounts of funds, and displaying the direction of funds transferable so that the customer can select the funds, An "automatic transaction apparatus" has been proposed in which a customer can specify the moving direction (see Patent Document 2).
The “automatic transaction system” disclosed in Patent Document 2 eliminates the need for customer input by acquiring account information of a transfer destination of funds from a medium.

In addition, a “real-time cash settlement system” has been proposed in which funds are transferred from a buyer's account to a seller's account in real time when an article is purchased (see Patent Document 3).
The “real-time cash settlement system” of Patent Document 3 is for making a settlement immediately for the price at the time of purchasing an article.

JP 2005-222340 A JP 2006-350582 A Japanese translation of PCT publication No. 2003-520371

  A technique for applying the amount of payment transaction to the next transaction as in Patent Document 1 has been proposed. However, in credit repayment transaction, the amount required for repayment is not known at the time of payment transaction. There is a problem that it cannot be determined.

  A technique for easily transferring funds between a plurality of accounts using a plurality of media as in Patent Document 2 has been proposed, but there is a problem that money transfer such as a transfer transaction cannot be performed between a bank host computer and a credit company host computer. .

  In addition, as in Patent Document 3, a technology for transferring money at the time of purchase of goods in real time has been proposed, but in the case of a system that is not an immediate settlement such as a credit card, the history after the previous repayment is inquired, and the repayment transaction There is a problem that it is necessary to obtain the repayment required amount at the time of implementation.

  Therefore, the present invention aims to improve convenience for customers by narrowing down and guiding a repayment method that can be repaid at least depending on the card type or a more preferable repayment method among repayment methods that can be repaid. It is an object of the present invention to provide an automatic transaction apparatus, an automatic transaction system, and an automatic transaction method.

  The present invention is an automatic transaction apparatus having a reading means for reading medium information stored in a transaction medium having a credit function, and whether or not the transaction medium has a cash function in addition to the credit function. Guidance on a predetermined repayment method among a plurality of repayment methods in credit repayment based on a discriminating means for discriminating the type of medium based on the medium information and transaction medium type discrimination result information discriminated by the discrimination means It is characterized by comprising control means.

  The present invention is also an automatic transaction system comprising the above-described automatic transaction apparatus and a host computer connected to the automatic transaction apparatus, wherein the host computer transmits repayment condition information to the automatic transaction apparatus. An information transmission means is provided, wherein the repayment condition information is composed of at least one of credit repayment information related to a credit repayment required amount and device function information of the automatic transaction device.

  Furthermore, the present invention is an automatic transaction method for reading media information stored in a transaction medium having a credit function and performing a credit repayment transaction based on the medium information, wherein the cash function is added to the transaction function in addition to the credit function. Determining the type of transaction medium as to whether or not the medium is provided based on the medium information, and a plurality of repayment methods in credit repayment based on the transaction medium type determination result information determining the type of transaction medium Among them, a step of guiding a predetermined repayment method is executed.

  According to the present invention, among a plurality of repayment methods, at least a repayment method that can be repaid according to the card type, or a more preferable repayment method among repayment methods that can be repaid, and narrowing the guidance, it is possible to improve customer convenience. It is possible to provide an automatic transaction apparatus, an automatic transaction system, and an automatic transaction method that can be implemented.

Schematic diagram of an automated transaction system. The internal block diagram of ATM and a host computer. The table which shows the discrimination conditions used when narrowing down repayment methods. The table which shows the method of narrowing down the repayment method in Example 1. FIG. Explanatory drawing according to the classification of a credit card. The flowchart explaining a part of repayment transaction using ATM. The flowchart explaining a part of repayment transaction using ATM. The flowchart explaining repayment amount guidance processing. The flowchart explaining a transfer repayment transaction process. The flowchart explaining cash repayment transaction processing. The example of a transfer payment screen as an example of an operation guidance screen. A display example of a repayment method selection screen as an example of an operation guidance screen. A display example of a cash payment screen as an example of an operation guidance screen. A display example of a partial repayment screen as an example of an operation guidance screen. A display example of a non-repayment confirmation screen as an example of an operation guidance screen. The table which shows the method of narrowing down the repayment method in Example 2. FIG. The flowchart explaining another system of the repayment transaction using ATM. The example of a display of the bank card reception screen as an example of an operation guidance screen.

  An embodiment of the present invention will be described below with reference to the drawings.

  Hereinafter, an embodiment of the present invention will be described with reference to FIGS. The present embodiment relates to, for example, an ATM (Automated Tellers Machine) employed in a financial institution system such as a bank system and an automatic transaction system.

  FIG. 1 is a schematic diagram of an automatic transaction system 100 including an ATM 1 as an automatic transaction apparatus and host computers 11 and 18 connected via a network (communication network). FIG. 2 is a schematic diagram of the ATM 1 and the host computers 11 and 18. FIG. A schematic structure will be described with reference to the connection diagram and the internal configuration diagram.

  FIG. 3 is a determination condition table for determining condition information, and FIG. 4 is a repayment method narrowing table. FIG. 5 is an explanatory diagram of storage means and stored information corresponding to the type of transaction card.

  The automatic transaction system 100 includes an ATM 1 as an automatic transaction apparatus, a host computer 11 (hereinafter referred to as “host 11”) connected via a network, and a host computer 18 (a host computer 18 connected via the network) ( Hereinafter, it is referred to as “host 18”).

  ATM1 is installed in financial institutions such as banks, postal public corporations, credit unions, etc., for example, and various transactions requested by users such as cash deposits and withdrawals by operations of customers, that is, users. Are automatically executed, and include an operation unit 3, a card mechanism unit / detail slip mechanism unit 4, a bankbook mechanism unit 5, a bill deposit / withdrawal mechanism unit 6, a coin deposit / withdrawal mechanism unit 7, a line connection unit 8, and a voice guidance. The guidance unit 9, the vein authentication mechanism unit 10, and the control unit 2 that controls these units are mainly configured.

  Each part will be described below. Although not shown, the control unit 2 serving as a control means includes a hardware configuration such as a CPU and a memory and a software configuration such as various programs and data, and controls various processes and transactions.

  The various programs include a discrimination processing program (discriminating means) for discriminating the type of transaction card as to whether or not the transaction card (credit card) as a transaction medium has a cash function in addition to the credit function. I have.

  Card information (medium information) stored in the transaction card is read by the card mechanism unit 4 described later, and the determination processing program determines the type of the transaction card based on the read card information.

  By executing the discrimination processing program, the control unit 2 has a conventional credit card 200B having only a credit function or a cash function in addition to the credit function, as indicated by A in FIG. At least the card type of the credit-integrated cash card 200A is determined.

  Based on the transaction card type determination result information (transaction medium type determination result information) determined by the determination processing program, the control unit 2 executes processing for guiding a predetermined repayment method among a plurality of repayment methods in credit repayment. It has a function.

  Furthermore, in determining the repayment method, the control unit 2 stores the repayment condition information received from the host 11 in the memory in addition to the transaction card type determination result information as a determination condition that is a determination factor. Based on this, it has a function of executing processing for guiding a predetermined repayment method. The repayment condition information includes at least ATM function information (device function information) and repayment required amount information (credit repayment information) related to the credit repayment required amount.

The ATM function information is information regarding whether or not the ATM 1 has a coin deposit / withdrawal mechanism section 7 as a coin processing section, as indicated by B in FIG.
Is the repayment required amount information, as indicated by C in FIG. 3, whether the credit repayment required amount is a thousand yen unit or a fractional amount less than a thousand yen in an amount of ten thousand yen units? Alternatively, it is information regarding whether the amount has a fraction including payment by coins.

  Specifically, the control unit 2 applies the determination result based on the determination conditions for each transaction card type, ATM function, and required repayment amount to the table shown in FIG. Narrow down to the indicated repayment method.

  The operation unit 3 has a screen display function and a key input detection function. When the ATM 1 user conducts a transaction, the operation unit 3 has a transaction operation guidance screen and a selection input screen as a repayment method selection means. And a function of accepting a user's operation such as a personal identification number and a key input pressed with a finger. Further, the operation unit 3 transmits, for example, an input signal that the user has selected and input a repayment method or the like to the control unit 2 as selection input result information.

  The operation unit 3 is preferably an input / display unit (also referred to as an input display unit) configured by a touch panel or the like, displays various information on the display screen, and detects pressing of various buttons displayed on the display screen. It may be allowed to do.

The card mechanism unit 4 as a reading means has a function of inserting or ejecting a transaction card of a user, a function of reading or writing to a magnetic stripe or IC chip of a card, a function of reading an image of a card embossed portion, and a credit function. It has a function of reading card information stored in a transaction card provided.
The statement slip mechanism unit 4 has a function of printing the transaction contents on the statement slip by the printing unit and discharging it from the apparatus.

  The passbook mechanism unit 5 has a user passbook insertion / discharge operation, a magnetic stripe read / write operation, a printing function by a printing unit for the passbook, and the like.

  The banknote deposit / withdrawal mechanism unit 6 has a function of permitting deposit / withdrawal of banknotes, and the coin deposit / withdrawal mechanism unit 7 has a function of permitting deposit / withdrawal of coins. Has transport and storage functions. Note that the coin deposit / withdrawal mechanism 7 is not installed depending on the ATM 1.

  The line connection unit 8 as information receiving means is connected to the host 11 side and has a function of transmitting and receiving information to and from the host 11 side, for example, receiving repayment condition information from the host 11 side.

  The voice guidance guidance unit 9 prompts the user for selection input or insertion of a transaction card, or provides guidance on precautions such as forgetting to remove a discharged transaction card. Has a function to provide guidance by voice.

  The vein authentication mechanism unit 10 has a vein reading function for reading a user's vein and a vein authentication function for authenticating the vein. The vein authentication function is a function for authenticating, for example, vein data registered in an IC chip and vein data read from a user when the transaction card is a credit-integrated cash card 200A. As described above, the processing of these functions is controlled by the control unit 2.

On the other hand, the host 11 is, for example, a bank host computer, and includes a line connection unit 12, an account information file control unit 13, a file unit 14, and a host computer control unit 15.
The line connection unit 12 is connected to the line connection unit 8 of the ATM 1 and has a function of transmitting or receiving data with the ATM 1. Further, the line connection unit 12 has a function of transmitting or receiving data with the host 18 on the upper side.

  The file unit 14 has a function of storing an account information file 16 for storing user account information and various files 17 other than the account information file 16.

  This account information file 16 stores the user's personal identification number, account number, balance, and the like.

The host computer control unit 15 has a function of controlling transmission / reception of data in the account information file 16 and various files 17 via the line connection unit 12, and also has a function of performing various controls of the host 11. . For example, the data about the personal identification number, account number, transaction amount, etc. included in the data received from ATM1 is compared with the data in the account information file 16, and the result is transmitted to ATM1.
Accordingly, whether or not the transaction is possible is determined by ATM1.

The host 18 on the upper side is, for example, a plurality of affiliated host computers including a credit card company and the like, like the host 11, the line connection unit 19, the account information file control unit 20, the file unit 21, and the host A computer control unit 22 is provided.
The line connection unit 19 has a function of transmitting or receiving data with the host 11.

  Similar to the host 11, the file unit 21 has a function of storing an account information file 23 and various files 24 other than the account information file 23.

  ATM1 corresponds to transactions with a transaction card having a credit function, and as shown in FIG. 5B, a so-called conventional credit card 200B that does not have a cash function among credit cards, and FIG. As shown in (2), the transaction is supported by any of the two types of cards, that is, the credit-integrated cash card 200A having a cash function.

  In the case of a conventional credit card, as shown in FIG. 5 (b), the credit stripe number (member information) as the magnetic stripe information (medium information) is added to the magnetic stripe provided in the transaction card, and other information related to the credit company and the member. I remember it.

  In the case of the credit-integrated cash card 200A, as shown in FIG. 5A, the transaction card includes an IC chip in addition to the magnetic stripe described above, and the IC chip has a bank as IC chip information (medium information). Stores information related to bank accounts such as numbers, branch numbers, and account numbers.

  The credit card 200A having a cash function is not limited to a credit-integrated cash card having an IC chip, and may be a card having other storage means such as RFID (Radio Frequency Identification) other than the IC chip. .

Next, a flow for explaining an example of a credit repayment procedure as a transaction by the above-described ATM 1 will be described with reference to FIGS.
6 and 7 are examples of flowcharts for explaining transactions using ATM1. FIG. 7 is a flowchart for explaining the repayment amount guidance process. FIG. 8 is a flowchart for explaining the repayment amount guidance process. FIG. 9 is a flowchart for explaining the transfer repayment transaction process. FIG. 10 is a flowchart for explaining the cash repayment transaction process.

  When the transaction starts by the user standing in front of ATM 1 or the like, the control unit 2 displays a transaction menu screen on the operation unit 3 and accepts the selection of the transaction menu (step s1).

  The transaction menu screen includes, for example, a “payment” button, a “payment” button for deposit transactions, a “transfer” button for transfer transactions, a “passbook entry” button, and a “balance” for inquiring account balances. A transaction button for selecting a transaction such as an “inquiry” button is displayed in an arranged state.

  The operation unit 3 displays transaction card insertion guidance, and the card mechanism unit 1 accepts insertion of a transaction card by the user (step s2).

  When the card mechanism unit / detail slip mechanism unit 4 detects that a transaction card has been inserted into the card mechanism unit / detail slip mechanism unit 4, the control unit 2 detects card information (magnetic stripe) described later recorded on the transaction card. Information, IC chip information) is read (step s2).

  The control unit 2 determines whether the transaction card inserted based on the read card information is the conventional credit card 200B or the credit-integrated cash card 200A by the determination processing program (step s3). ).

  If the transaction card is determined to be the conventional credit card 200B (step s3: NO), the conventional repayment amount guidance process is executed (step s10).

  In the repayment amount guidance process, as shown in FIG. 8, the credit code number input by the operation unit 3 is accepted (step t1), and when the credit code number is input, the read credit card information (magnetic stripe information). Based on the input credit code number, the host 18 is inquired about repayment information via the host 11 (step t2).

  Repayment information (repayment required amount, principal, interest, etc.) as a result of the inquiry is displayed on the operation unit 3 to prompt the user to confirm the repayment information (step t3).

  On the other hand, when the transaction card is determined to be the credit-integrated cash card 200A (step s3: YES), the repayment amount guidance process is executed in the same manner as in step s10 in the repayment process of the conventional credit card 200B (step s4).

  Thereafter, the control unit 2 uses the repayment required amount information inquired in the repayment inquiry message transmission / reception process (step t2) in the repayment amount guidance process (step s4) as the determination condition shown in FIG. Based on the ATM function information, the appropriate repayment method shown in FIG. 4 is narrowed down (step s5).

  Specifically, as shown in FIG. 4, when it is determined that there is no coin deposit / withdrawal mechanism unit 7 as a coin processing unit based on the ATM function information (B4 in FIG. 4), If it is determined that there is a fractional number of digits less than 1,000 yen (C6 in FIG. 4), “transfer repayment” is specified and guided (step s5: YES).

  As shown in FIG. 4, when it is determined that there is a coin processing unit based on the ATM function information (B3 in FIG. 4), the repayment required amount based on the repayment required amount information is less than a thousand yen. Regardless of whether there is a fraction of the number (C4 in FIG. 4), the process proceeds to the repayment method selection process (step s5: NO).

  Furthermore, when it is determined that there is no coin processing unit based on the ATM function information (B4 in FIG. 4), the repayment required amount has no fractional number of digits less than 1,000 yen based on the repayment required amount information. Is also determined (C5 in FIG. 4), the process proceeds to the repayment method selection process (step s5: NO).

  When the repayment method is specified as “transfer method” (step s5: YES), the transfer payment screen is displayed, and as shown in FIG. 11, the user receives pressing of the confirmation button for repayment in “transfer method” When there is a pressing input, a transfer repayment transaction process is executed (step s6).

  In the repayment method selection process, as shown in FIG. 12, on the screen of the operation unit 3, two types of repayment methods of “cash repayment” and “transfer repayment” are allowed (step s8). When an input of pressing the “transfer method” button is received (step s9: YES), a transfer repayment transaction process is executed (step s6).

  In the transfer repayment transaction process (step s6), as shown in FIG. 9, the user is allowed to input the bank PIN (step v1), and the card information (IC chip information) is input in step v1. Based on the bank PIN and the repayment information (required repayment amount) obtained as a result of the inquiry at step t2 in the repayment amount guidance process (step s4), the host 11 is requested to withdraw the repayment amount. v2). The host 11 determines whether or not withdrawal can be made based on the account information file 16 of the user, and returns a response to the ATM 1 (step v2).

  When the withdrawal is permitted, the repayment process is executed to the host 18 via the host 11 based on the card information (magnetic stripe information) and the repayment information (required repayment amount) obtained in step t2. Request (step v3). The host 18 determines whether or not the repayment is possible based on the account information file 23 of the user, and returns a response to the ATM 1 (step v3).

  When the repayment process is permitted, the statement slip mechanism unit 4 prints the credit repayment transaction result on the statement slip (step v4) and releases the statement slip to the user (step v5).

  Subsequently, the statement slip mechanism unit 4 prints the withdrawal result on the statement slip (step v6) and releases the statement slip to the user (step v7). Further, the credit card is released (step s7), and a series of transactions is completed.

  On the other hand, when a press input of the “cash method” button is accepted in step s8 (step s9: NO), the screen of the operation unit 3 becomes a cash payment screen as shown in FIG. A press of a confirmation button for repayment in “cash method” is accepted (step s9: NO).

When the confirmation button for repayment by “cash method” is pressed, it is determined whether or not to execute the full cash repayment method (step s11).
Specifically, the transaction card is a “conventional credit card” (A1 in FIG. 4), the ATM function is “no coin processing unit” (B2 in FIG. 4), and the repayment required amount is “1000 yen” In the case of a determination result that does not completely match the three determination results of “there are fractional digits” (C3 in FIG. 4), the control unit 2 guides the repayment method by full cash repayment (step s11). : YES)

  In this case, it is allowed to repay the full amount of cash in the cash transaction process (step s12). Specifically, in the cash transaction process (step s12), as shown in FIG. 10, the operation unit 3 displays information such as the amount required for repayment, and among the bill deposit / withdrawal mechanism unit 6 and the coin deposit / withdrawal mechanism unit 7. At least the banknote deposit / withdrawal mechanism unit 6 accepts cash and counts the received cash (step u1). Accept cash until the amount exceeds the amount required for repayment.

  Based on the card information (magnetic stripe information), the repayment information (required repayment amount) inquired at step t2, and the received amount at step u1, the repayment process is performed to the host 18 via the host 11. Execution is requested (step u2). The host 18 determines whether or not the repayment is possible based on the account information file of the user, and returns a response to the ATM 1 (step u2).

  When the repayment process is permitted, the statement slip mechanism unit 4 prints the repayment transaction result on the statement slip (step u3) and releases it to the user (step u4). The transaction card is returned (step u5), and then the banknote deposit / withdrawal mechanism unit 6 and the coin deposit / withdrawal mechanism unit 7 release the change cash (step u6), and a series of transactions is completed.

  On the other hand, in step s11, the transaction card is “conventional credit card” (A1 in FIG. 4), the ATM function is “no coin processing unit” (B2 in FIG. 4), and the repayment required amount is In the case of the determination result that “there is a fraction of a thousand yen” (C3 in FIG. 4), the control unit 2 determines that a repayment method using full cash is impossible (step s11: NO). ).

  That is, the control unit 2 narrows down to two options of “partial cash repayment” and “impossible to repay” based on the table shown in FIG. As shown in FIG. 14, the confirmation button for confirming whether or not to repay by the “partial cash repayment” method is allowed to be pressed (step s13).

  The cash repayment process is the same process as the flow described with reference to FIG. 9 in step s12 except that only payment of a partial amount is permitted in step v1 in FIG. To do.

  As shown in FIG. 14, if the user presses the “cancel” button on the screen for confirming whether or not partial cash repayment has been made (step s <b> 13: NO), as shown in FIG. 15, the operation unit 3 Then, a repayment impossible confirmation screen is displayed, and pressing of a confirmation button indicating that repayment is impossible is permitted (step s15).

  When the confirmation button is pressed, the card is released (step s16) and the transaction is terminated.

ATM1 mentioned above and the automatic transaction system 100 can show | play the following various effects and effects.
The ATM 1 according to the first embodiment and the automatic transaction system 100 determine the type of transaction card regarding whether or not the transaction card has a cash function by the above-described configuration, and based on the determination result, a plurality of credit repayments. In order to guide the repayment method that can be repaid from among the repayment methods or the appropriate repayment method to the user, the user repays with the appropriate repayment method narrowed down according to the type of the media information And user convenience can be improved.

  Specifically, in the past, when a transaction card does not have a cash function, for example, it is assumed that a repayment transaction is performed with a transaction card having a cash function, even though the transfer repayment method cannot be selected. Thus, there are cases where two types of repayment methods, a cash repayment method and a transfer repayment method, are uniformly guided.

  In this case, it is necessary for the user himself to select the cash repayment method and narrow down the repayment transactions by the cash repayment method, which requires an unnecessary selection effort.

  On the other hand, in ATM1 of Example 1, and the automatic transaction system 100, when the cash function is not provided in the transaction card, for example, it narrows down and guides the repayment transaction by the cash repayment method. In addition, when the cash function is provided, the repayment required amount can be guided to the user, for example, in addition to the cash repayment method, and repayment in the repayment transaction by the transfer repayment method.

  As described above, in the ATM 1 and the automatic transaction system 100 according to the first embodiment, an appropriate repayment method can be guided to the user based on at least the card type information.

  In particular, in the case of a transaction card with a cash function, it is possible to appropriately guide repayment transactions using the transfer repayment method. Therefore, the repayment transaction using the transfer repayment method eliminates the need to prepare cash for repayment in advance. Convenience can be improved.

  Furthermore, as described above, when a repayment transaction by transfer repayment is possible, it is necessary for the user to prepare cash at hand by appropriately guiding the transfer repayment to the user. In addition, the risk of being stolen can be avoided and safety can be improved, and even an automatic transaction device without a coin processing unit can be used for repayment transactions in units of 1 yen. The user's convenience can be greatly improved.

  Further, as described above, the ATM 1 and the automatic transaction system 100 according to the first embodiment adds an appropriate repayment method from among a plurality of repayment methods to the transaction card type determination result information, and credits that affect the repayment method. By narrowing down the repayment method based on repayment condition information such as repayment information and device function information, for example, even in the case of cash repayment method, whether it is full cash repayment method or partial cash repayment method, etc. Specifically, it can be narrowed down.

  Therefore, a more specific repayment method can be guided to the user, and the convenience in the user's repayment transaction can be further improved.

  Moreover, when the control part 2 determines that payment by two or more repayment methods is possible based on transaction card classification determination result information and repayment condition information, ATM1 of Example 1 and automatic transaction system 100 The operation unit 3 that allows the selection input of the repayment method is provided, and the control unit 2 is configured to execute the repayment process based on the selection input result information selected and input in the repayment method selection process (step s8), for example. The user can smoothly select the optimum repayment method from the narrowed down appropriate repayment methods, and the convenience at the time of the user's repayment transaction can be further improved.

  In particular, by performing the repayment method selection process (see FIG. 6) in step s8 after the repayment amount confirmation process (see FIG. 8) in step t3 of the repayment amount guidance process (step s4), the user repays in step t3. The repayment method can be selected after accurately grasping the required amount.

  Therefore, there is no need to confirm the repayment required amount before starting the transaction or to confirm the repayment required amount by interrupting the transaction. You can make a choice.

Below, other examples of ATM1 and automatic transaction system 100 are described.
However, among the configurations of the ATM 1 and the automatic transaction system of the second embodiment described below, the same reference numerals are assigned to the same configurations and control programs as those of the ATM 1 and the automatic transaction system 100 of the first embodiment. The description is omitted.

The control unit 2 provided in the ATM 1 of the second embodiment determines based on the determination conditions for each transaction card type, ATM function, and required repayment amount. Narrow down to the repayment method indicated in the item of the applicable repayment method.
FIG. 16 shows a table used when narrowing down the repayment method in the second embodiment.

  As shown in FIG. 16, the repayment method narrowing down table is compared with the table shown in FIG. 4 used when narrowing down the repayment method in the first embodiment, when the transaction card type is the conventional credit card 200B. It is a table provided with transfer repayment as a method.

  The card mechanism unit 4 as a reading means has a reading function for reading card information stored in a transaction card having a credit function, and also has a reading function for reading a so-called bank card having only a cash function. A bank card is also allowed to be inserted in a state where a credit card (transaction card) having a credit function inserted in is inserted inside.

  A flow for explaining a credit repayment procedure in the second embodiment as a transaction by ATM1 described above will be described with reference to FIGS. However, among the steps described below, steps w1 to w10 and w12 to w17 are the same processes as steps s1 to s16 of the first embodiment, respectively, so that the description thereof is omitted and the characteristics of this flowchart. The following steps will be described.

  As shown in FIG. 12, when the conventional credit card 200B is used, the flowchart is characterized by “cash method” or “transfer method” as shown in FIG. 12 after the repayment amount guidance process (step w10). This is the point of executing a process that allows such selection (step w11).

When the pressing of the “cash method” button is accepted (step w11: NO), the processing related to the cash repayment transaction after step w12 is executed.
On the other hand, in the repayment amount guidance process, when pressing of the “transfer method” button is permitted (step w11: YES), the process is executed as follows.

  After temporarily storing the already inserted credit card by the card mechanism unit 1, the operation unit 3 displays a bank card insertion guide and inserts the bank card by the user as shown in FIG. Is allowed (step w18).

  When detecting that the bank card has been inserted into the card / detail slip mechanism unit 4, the control unit 2 reads the card information (magnetic stripe information, IC chip information) recorded on the bank card.

Thereafter, a transfer repayment transaction process is executed (step w19).
In the transfer repayment transaction process, as shown in FIG. 9, a bank PIN is input (step v1). Then, the host 11 based on the repayment information (required repayment amount) of the result inquired in the repayment inquiry message transmission / reception process (step t2) in the bank card information, the bank PIN number and the repayment amount guidance process (step w10) read earlier. In response to this, a withdrawal request is made for the amount required for repayment (step v2). The host 11 determines whether or not withdrawal is possible based on the account information file of the user, and returns a response to the ATM 1 (step v2).

  When the withdrawal is permitted, the credit card information (magnetic stripe information) and the repayment information (repayment required amount) as a result of the inquiry in the repayment inquiry message transmission / reception process (step t2) in the repayment amount guidance process (step w10) Based on this, the host 18 is requested to execute the repayment process via the host 11 (step v3). The host 18 determines whether or not the repayment is possible based on the account information file of the user, and returns a response to the ATM 1 (step v3).

  When the repayment process is permitted, the statement slip mechanism unit 4 prints the repayment transaction result on the statement slip (step v4) and releases the statement slip to the user (step v5). Subsequently, the statement slip mechanism unit 4 prints the withdrawal result on the statement slip (step v6) and releases the statement slip to the user (step v7).

  After executing the above-described transfer repayment transaction processing (step w19), the bank card is returned (step w20), and then the transaction card that has been temporarily saved in the card mechanism unit 4 is returned to the transport path and returned to the user. (Step w21), a series of transactions is completed.

The ATM 1 and the automatic transaction system 100 according to the second embodiment described above can exhibit various functions and effects as described below.
The ATM 1 and the automatic transaction system 100 described above allow the selection of the repayment transaction by the transfer repayment method in step w11 even when the card conventional credit card 200B is used as the transaction card, and the repayment by the transfer repayment method. When the transaction is selected, it becomes possible to perform a repayment transaction of the credit repayment amount using the bank card.

  For this reason, even when the conventional credit card 200B is used, the range of repayment methods that can be guided to the user can be expanded, and a more appropriate repayment method can be guided.

  Furthermore, since it is possible to guide the transfer method even when the conventional credit card 200B is used, the user does not have to prepare cash at hand, and the risk of being stolen is obviated. Therefore, safety can be improved. In addition, even an automatic transaction apparatus that does not include the coin deposit / withdrawal mechanism unit 7 can perform a repayment transaction in units of one yen, so that convenience for the user can be significantly improved.

  The automatic transaction apparatus and the automatic transaction system of the present invention are not limited to the configurations of the ATM 1 and the automatic transaction system 100 of the first and second embodiments, including the transaction processing flow and the operation guide screen described above. Various changes can be made within the scope of the present invention.

  For example, in the first and second embodiments described above, a financial transaction is described as a transaction, and ATM1 is described as an example of a transaction processing device. However, the present invention is not limited to these configurations. For example, a POS terminal or a CAT terminal Thus, the present invention can be applied to a terminal that can be connected to both a bank host and a credit company host.

  In addition, in Step s5 of FIG. 6 or Step w5 of FIG. 17, in the first and second embodiments, it is determined that there is no coin deposit / withdrawal mechanism unit 7 based on the ATM function information (in FIGS. 4 and 16). B4), and when it is determined that the repayment required amount has a fractional number of digits less than 1,000 yen based on the repayment required amount information (C6 in FIGS. 4 and 16), only “transfer repayment” However, it is not limited to the process of guiding only “transfer repayment” in this way, for example, “transfer repayment” and a portion of cash excluding the fraction of the repayment required amount It is good also as processing which permits selection with "partial repayment" which permits repayment.

  In Step s5 in FIG. 6 or Step w5 in FIG. 17, in the first and second embodiments, it is determined that there is no coin deposit / withdrawal mechanism unit 7 based on the ATM function information (in FIGS. 4 and 16). B4), and when it is determined that the repayment required amount has a fractional number of digits less than 1,000 yen based on the repayment required amount information (C6 in FIGS. 4 and 16), Not only “partial repayment” but also a process of selecting a repayment method by “round-up repayment”.

  In other words, in the repayment method by “round-up repayment”, if the required amount of repayment has a fraction, the amount of repayment exceeds the required amount of repayment, but repayment that allows the receipt of an amount in thousands or tens of thousands It is a method.

  As a result, even if there is no coin deposit / withdrawal mechanism part 7 as an ATM function and the repayment required amount has a fraction of less than 1,000 yen, the deposit amount exceeding the repayment amount within the range of less than 1,000 yen is deposited. By doing so, the repayment can be completed for the entire amount required for repayment. The remaining amount of the deposit amount and the repayment required amount can be used for repayment of the next repayment required amount or can be deposited as cash, for example.

  In addition, “round-up repayment” means that the transaction card is “conventional credit card” (A1 in FIGS. 4 and 16) in step s11 in FIG. 6 or step w12 in FIG. The result of determination that “no coin processing unit” (B2 in FIGS. 4 and 16) and that the repayment required amount is “with fractional digits of less than 1,000 yen” (C3 in FIGS. 4 and 16). In this case, the selection may be allowed.

  Furthermore, in the cash repayment method, not only the guidance for narrowing down the full amount or partial repayment of the amount required for repayment but also providing the user with a choice between full repayment and partial repayment. It may be acceptable. Thereby, even if it is a case where ATM1 and 2 accept | permit payment by the full payment method, it is not necessarily required to pay the full payment, and it is possible to select partial payment in consideration of economic circumstances and the like. Furthermore, by partially repaying, there is a merit that it is possible to reduce the amount of interest for the repayment required amount, and it is possible to improve convenience for the user.

  Further, the line connection unit 8 as the information receiving means is not limited to having a function of transmitting / receiving information to / from the host 11 side, and may be configured to have at least a receiving function of receiving repayment condition information from the host 11 side. Good.

  The device function information is not limited to being received as repayment condition information from the host computer, but may be configured to be stored in storage means provided in the automatic transaction device.

1 ... ATM
2 ... Control unit 3 ... Operation unit 4 ... Card mechanism unit 8 ... Line connection unit 100 ... Automatic transaction system 11, 18 ... Host computer 200A ... Credit-integrated cash card 200B ... Conventional credit card

Claims (10)

An automatic transaction apparatus comprising a reading means for reading medium information stored in a transaction medium having a credit function,
A discriminating means for discriminating the type of transaction medium whether or not the transaction medium has a cash function in addition to a credit function based on the medium information;
An automatic transaction apparatus configured with control means for guiding a predetermined repayment method among a plurality of repayment methods in credit repayment based on the transaction medium type determination result information determined by the determination means. The repayment method is
Consists of repayment guidance method and repayment guidance impossible method,
The repayment guidance method is
The automatic transaction apparatus according to claim 1, comprising a transfer repayment guide method for guiding repayment by transfer of a repayment required amount and a cash repayment guide method for guiding repayment by cash. Comprising information receiving means for receiving repayment condition information from the host computer;
The control means;
In addition to the transaction medium type determination result information, a configuration for guiding a predetermined repayment method based on repayment condition information,
The automatic transaction apparatus according to claim 1, wherein the repayment condition information includes at least one of credit repayment information related to a credit repayment amount and apparatus function information of the automatic transaction apparatus. A repayment method selection means for allowing a repayment method selection input when the control means determines that payment by two or more repayment methods is possible based on the transaction medium type determination result information and the repayment condition information; Prepared,
4. The automatic transaction apparatus according to claim 3, wherein the control unit is configured to execute a repayment process based on selection input result information by the repayment method selection unit. An automatic transaction system comprising the automatic transaction apparatus according to claim 3 or 4 and a host computer connected to the automatic transaction apparatus,
The host computer includes information transmission means for transmitting repayment condition information to the automatic transaction apparatus,
An automatic transaction system in which the repayment condition information is composed of at least one of credit repayment information related to a credit repayment required amount and device function information of the automatic transaction device. An automatic transaction method for reading medium information stored in a transaction medium having a credit function and performing a credit repayment transaction based on the medium information,
Determining the type of transaction medium whether or not the transaction medium is provided with a cash function in addition to a credit function based on the medium information;
An automatic transaction method that executes a step of guiding a predetermined repayment method among a plurality of repayment methods in credit repayment based on transaction medium type determination result information that has determined the type of transaction medium. The repayment method is
Consists of repayment guidance method and repayment guidance impossible method,
7. The automatic transaction method according to claim 6, wherein the repayment guidance method is constituted by a transfer repayment guidance method for guiding repayment by transfer of a repayment required amount and a cash method repayment guidance method for guiding repayment by cash. A repayment condition information receiving step for receiving repayment condition information from the host computer;
In addition to the transaction medium type determination result information, performing a step of guiding a predetermined repayment method based on repayment condition information,
The repayment condition information is
The automatic transaction method according to claim 6 or 7, comprising at least one of credit repayment information related to a credit repayment amount and device function information of the automatic transaction device. If it is determined that payment by two or more repayment methods is possible based on the transaction medium type determination result information and the repayment condition information, a selection input step that allows a repayment method selection input;
The automatic transaction method according to claim 8, wherein the repayment processing step based on the selection input result information selected and input by the selection input step is executed. Before the selection input step,
10. The automatic transaction method according to claim 9, wherein a credit repayment necessary amount guide step for guiding at least the credit repayment information among the repayment condition information received in the repayment condition information receiving step is executed.

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