JP2009098842A - Automatic teller machine - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an automatic teller machine that enables a user to check transition of the amount of balance for a certain period only by using a card for transaction, to check whether or not the total amount of withdrawal for a certain period has reached a limit, and prevents an insufficient balance for direct debit. <P>SOLUTION: A customer's transaction history is saved in an IC card 12 inserted in the automatic teller machine 1. When using the IC card 12 for withdrawal, the transaction history is read from the IC card 12 and the transaction history read is displayed on a customer operation part 5. The withdrawal transaction is started after the display of the transaction history. <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

  The present invention relates to an automatic transaction apparatus that is installed in a financial institution or the like and automatically performs transactions by customer operations, and more particularly to an automatic transaction apparatus that prevents excessive withdrawals in withdrawal transactions.

  Conventionally, in automatic transaction equipment, transactions with only cards and transactions with cards and passbooks are possible, and transaction histories can be confirmed with passbook entries, but transaction histories cannot be confirmed with transactions with only cards Just know your account balance. As long as there is a balance, withdrawal transactions can be made up to the withdrawal limit determined by the automatic transaction apparatus.

For example, Patent Document 1 (Japanese Patent Laid-Open No. 2006-99304) discloses a method in which a user sets a withdrawal limit. This is because when the withdrawal limit change is selected on the transaction selection screen of the automatic transaction apparatus and the user inputs the withdrawal limit, a withdrawal limit change request message is sent to the host computer, and the host computer When the withdrawal limit is updated, a reply message is transmitted to the automatic transaction apparatus, and the withdrawal limit change is terminated.
JP 2006-99304 A

  However, in an environment using a conventional automatic transaction apparatus, many withdrawal transactions are performed only with cards, and household accounting is often performed only by grasping the balance. However, in grasping only the balance, there has been a problem that it is difficult to understand the transition of the balance for a certain period, for example, for a month or for a longer period.

In addition, even if the monthly balance decreases or the balance decreases in the long term, if there is a balance exceeding the withdrawal limit, withdrawal transactions can be made with an automatic transaction device. It is easy to conduct withdrawal transactions, and there are many cases where unnecessary expenditures are repeated.
Furthermore, since it is difficult to confirm the account withdrawal schedule for public utility charges or credit cards, etc. at the time of transactions using an automatic transaction device, it is difficult to know the balance that should be kept. Sometimes there was a shortage of balance.

  Therefore, the present invention makes it possible to confirm the transition of the balance in a certain period even in a transaction using only a card, to confirm whether or not the accumulated amount of money in a certain period has reached the limit, and further to the balance at the time of account withdrawal. It aims at providing the automatic transaction apparatus which makes it easy to avoid a shortage.

  In order to solve the above-mentioned problem, the first invention is an automatic transaction apparatus for performing a transaction by a customer operation. The reading unit reads an IC card storing a customer transaction history, and the reading unit operates when the customer performs a transaction operation. And a display unit for displaying the read transaction history.

  The second invention is an automatic transaction apparatus for performing a transaction by a customer operation, a limit amount setting means for setting a cumulative withdrawal limit for a predetermined period, a withdrawal amount input means for a customer to input a withdrawal amount, Based on the transaction history and the withdrawal amount input by the withdrawal amount input means, the calculation means for calculating the cumulative withdrawal amount in a predetermined period, the cumulative withdrawal amount calculated by the calculation means and the limit amount setting means are set. Comparing means for comparing the accumulated withdrawal limit, and executing a withdrawal transaction when the comparing means determines that the accumulated withdrawal amount is equal to or less than the accumulated withdrawal limit. To do.

  In addition, the comparison means compares the cumulative withdrawal amount calculated by the calculation means and the account withdrawal amount with the cumulative withdrawal limit set by the limit setting means, and compares the cumulative withdrawal amount and the account withdrawal amount. However, when it is determined that the value obtained by adding the planned amount is equal to or less than the cumulative withdrawal limit, a shortage of balance when the account is withdrawn can be avoided by executing the withdrawal transaction.

  According to the first aspect of the present invention, since the transaction history read from the IC card is displayed on the display unit at the time of transaction, the transition of the balance in a certain period can be easily understood.

  Further, according to the second invention, the withdrawal transaction is executed when the cumulative amount is determined to be equal to or less than the cumulative withdrawal limit by the comparison means. It can be performed.

  Hereinafter, embodiments of the present invention will be described with reference to the drawings. Elements common to the drawings are denoted by the same reference numerals. FIG. 1 is a block diagram showing an automatic transaction apparatus according to the first embodiment of the present invention. In FIG. 1, the automatic transaction apparatus 1 of 1st Embodiment is the communication part 2, the control part 3, the memory | storage part 4, the customer operation part 5, the card handling part 6, the bankbook handling part 7, the banknote depositing / withdrawing part 8, and A coin deposit / withdrawal unit 9 is provided. The automatic transaction apparatus 1 is connected to a host computer 11 via a communication line 10.

  The communication unit 2 mediates data transmission / reception with the host computer 11. The control unit 3 controls each unit of the automatic transaction apparatus 1 to execute various transaction processes and perform data communication with the host computer 11. The storage unit 4 stores a program to be executed by the control unit 3 and a processing result by the control unit 3. The customer operation unit 5 is provided in front of the automatic transaction apparatus 1 and is configured by a combination of a display unit such as an LCD and a position signal detection unit such as a touch panel, and displays a transaction selection screen and a screen for prompting operation to the customer. And accepting input from customers.

  The card handling unit 6 can read / write data from / to the IC card, and reads / writes card information from / to the recording unit of the IC card 12 which is a customer transaction card by contact or non-contact means. The card handling unit 6 also has a function of reading / writing magnetic data. In the recording part of the IC card 12 owned by the customer, past transaction history is recorded as card information in addition to the customer account information.

  The passbook handling unit 7 reads / writes information from / to the magnetic stripe of the inserted customer's passbook and prints the transaction contents on the passbook. The banknote deposit / withdrawal unit 8 accepts banknotes inserted by customers as deposited banknotes, discriminates, counts and stores them, and discharges banknotes stored according to customer requests as withdrawal banknotes. The coin deposit / withdrawal unit 9 accepts coins input by the customer as deposit coins, discriminates, counts and stores them, and discharges the stored coins as withdrawal coins as requested by the customer.

  Next, operation | movement of the automatic transaction apparatus 1 of 1st Embodiment is demonstrated. FIG. 2 is a flowchart showing a transaction operation in the first embodiment. In the following description, the operation when the customer selects the withdrawal transaction will be described. When the customer approaches the automatic transaction apparatus 1 installed in a store or the like, the approach is detected by a proximity sensor (not shown), and a transaction selection screen is displayed on the customer operation unit 5 (step 1). FIG. 3 shows a transaction selection screen. In FIG. 3, the transaction selection screen 20 includes a transaction selection button such as a “withdrawal” button indicating a withdrawal transaction and a “transfer” button indicating a transfer transaction, in addition to the wording prompting the user to press the transaction button. Is displayed.

  When the customer presses the “draw” button (step 2), the control unit 3 displays guidance for prompting the customer to insert a card. When the customer inserts his IC card 12 (step 3), the card handling unit 6 reads account information and transaction history information recorded in the recording unit of the customer's IC card 12 (step 4).

  Next, the control unit 3 displays guidance for prompting the customer to input a password, and the customer inputs the password according to the guidance (step 5). The control unit 3 transmits the input password to the host computer 11. The host computer 11 checks whether the stored personal identification number matches the transmitted personal identification number, and returns the result to the control unit 3. When the control unit 3 receives a reply indicating that they do not match, the control unit 3 accepts re-input a predetermined number of times. If the re-input password does not match, the control unit 3 ejects the IC card 12 and ends the transaction process.

  When an answer is obtained that the passwords match (step 6), the control unit 3 displays the transaction history read from the customer's IC card 12 (step 7). A display example of the transaction history is shown in FIG. As shown in FIG. 4, the transaction history display screen 21 displays the transaction history up to the present month. The display items are date, payment amount or deposit amount, and balance. In addition, a “confirm” button 22 is displayed on the transaction history display screen 21. The withdrawal transaction cannot be executed unless the customer confirms the transaction history and presses the “confirm” button 22.

  When the customer presses the “confirm” button 22 (step 8), the control unit 3 displays a screen for inputting a withdrawal amount (step 9). Since the customer looks at the transaction history screen 21 before inputting the withdrawal amount, the withdrawal amount can be entered in consideration of the transition of the balance. When the customer inputs a withdrawal amount (step 10), the control unit 3 executes a withdrawal process based on the entered withdrawal amount (step 11).

  In the withdrawal process, the banknotes or coins of the entered withdrawal amount are counted and dispensed from the banknote deposit / withdrawal unit 8 and the coin deposit / withdrawal unit 9 as necessary, and the transaction content is transacted by the card handling unit 6. Print on the statement. The card handling unit 6 writes the current transaction contents as a new transaction history in the recording unit of the customer's IC card 12 (step 12). Thereafter, the control unit 3 discharges the IC card 12 together with the transaction statement slip, returns it to the customer (step 13), and ends the transaction process.

  As described above, in the first embodiment, since the transaction history is displayed at the time of the transaction using only the card, the transition of the balance can be confirmed even in the transaction using only the card. In the above embodiment, the withdrawal transaction has been described as an example, but it goes without saying that the contents of the performed transaction are recorded as a transaction history in the recording unit of the customer's IC card 12 in other transactions.

  Moreover, you may make it display a transaction history also at the time of another transaction, for example, a payment transaction. Furthermore, in the above embodiment, the transaction history is displayed after selecting the withdrawal transaction on the transaction selection screen. However, the present invention is not limited to this, and the IC card 12 is inserted into the customer before the transaction is selected. The transaction history may be read and further displayed after the transaction history is displayed.

  Next, a second embodiment will be described. In the second embodiment, it is possible to set a monthly withdrawal limit at the time of a transaction with an automatic transaction apparatus, and to a customer when the monthly transaction amount exceeds the cumulative withdrawal limit. A message is notified. The hardware configuration of the second embodiment is the same as that of the first embodiment. Here, in accordance with FIG. 5, the drawing of the first embodiment is used and the second embodiment is used. Will be described. FIG. 5 is a flowchart showing the transaction operation in the second embodiment, and here, the withdrawal transaction will be described.

  When the customer approaches the automatic transaction apparatus 1 installed in a store or the like, the approach is detected by a proximity sensor (not shown), and a transaction selection screen is displayed on the customer operation unit 5 (step 21). FIG. 6 shows a transaction selection screen. In FIG. 6, the transaction selection screen 30 includes a transaction selection button such as a “withdrawal” button indicating a withdrawal transaction and a “transfer” button indicating a transfer transaction, in addition to the wording prompting the user to press the transaction button. In addition, a “cumulative withdrawal limit change” button 31 is displayed.

  When the customer presses the “cumulative withdrawal limit change” button 31 (step 22), a password input screen 32 is displayed on the display unit of the customer operation unit 5 as shown in FIG. When the customer inputs the password, a new withdrawal limit input screen 33 is then displayed as shown in FIG. On the withdrawal limit input screen 33, the currently set limit is also displayed. When the customer inputs a new withdrawal limit and then presses the OK button, the withdrawal limit is changed (step 23). Thereafter, the display unit of the customer operation unit 5 returns to the transaction selection screen 30.

  When the customer presses the “draw” button on the transaction selection screen 30 (step 24), the control unit 3 displays guidance for prompting the customer to insert a card. When the customer inserts his IC card 12 (step 25), the card handling unit 6 reads account information and transaction history information recorded in the recording unit of the customer's IC card 12 (step 26).

  Next, the control unit 3 displays guidance for prompting the customer to input the password, and the customer inputs the password according to the guidance (step 27). The control unit 3 transmits the input password to the host computer 11. The host computer 11 checks whether the stored personal identification number matches the transmitted personal identification number, and returns the result to the control unit 3. When the control unit 3 receives a reply indicating that they do not match, the control unit 3 accepts re-input a predetermined number of times. If the re-input password does not match, the control unit 3 ejects the IC card 12 and ends the transaction process.

  When the reply that the passwords are matched is obtained (step 28), the control unit 3 displays the transaction history read from the customer's IC card 12 (step 29). The display example of the transaction history in this case is the same as in the case of the first embodiment shown in FIG. That is, as shown in FIG. 4, the transaction history display screen 21 displays the transaction history up to the present month. The display items are date, payment amount or deposit amount, and balance. In addition, a “confirm” button 22 is displayed on the transaction history display screen 21. The withdrawal transaction cannot be executed unless the customer confirms the transaction history and presses the “confirm” button 22.

  When the customer presses the “confirm” button 22 (step 30), the control unit 3 displays a screen for inputting a withdrawal amount (step 31). Since the customer looks at the transaction history screen 21 before inputting the withdrawal amount, the withdrawal amount can be entered in consideration of the transition of the balance. When the customer inputs the withdrawal amount (step 32), the control unit 3 calculates the cumulative withdrawal amount for the current month from the input withdrawal amount and the transaction history information (step 33).

  Next, the control unit 3 compares the calculated accumulated withdrawal amount for the current month with the set accumulated withdrawal limit (step 34). As a result of the comparison, if the accumulated withdrawal amount for the current month is equal to or less than the accumulated withdrawal amount, a withdrawal process is executed based on the entered withdrawal amount (step 35). In the withdrawal process, the banknotes or coins of the entered withdrawal amount are counted and dispensed from the banknote deposit / withdrawal unit 8 and the coin deposit / withdrawal unit 9 as necessary, and the transaction content is transacted by the card handling unit 6. Print on the statement. Further, the card handling unit 6 writes the current transaction content as a new transaction history in the recording unit of the customer's IC card 12 (step 36). Thereafter, the control unit 3 discharges the IC card 12 together with the transaction statement, returns it to the customer (step 37), and ends the transaction process.

  In step 34, if the accumulated withdrawal amount for the current month is larger than the accumulated withdrawal amount, the accumulated amount for the current month has exceeded the accumulated withdrawal limit as shown in FIG. A message to that effect is displayed. At the same time, the customer is inquired about whether or not to continue the transaction. If you want to continue, press the “Continue” button. If you do not want to continue, you will be instructed to press the “Cancel” button. A guidance to the effect is displayed (step 38). FIG. 9 is an explanatory view showing a screen for displaying a cumulative withdrawal limit excess message.

  When the customer presses the “Continue” button (step 39), the process returns to step 31, the withdrawal amount input screen is displayed, and the customer again inputs the withdrawal amount. When the customer presses the “Cancel” button, the withdrawal process is canceled and the process is terminated.

  As described above, according to the second embodiment, in addition to the effects of the first embodiment, the customer can easily confirm whether or not the cumulative amount of money for each month exceeds the cumulative amount of withdrawal. This makes it easier to manage monthly withdrawals. In addition, by providing a password for setting and changing the cumulative withdrawal limit, it is possible to prevent unauthorized change of the limit by another person who can use the account.

  Next, a third embodiment will be described. In the third embodiment, when making a transaction with an automatic transaction apparatus, it is possible to set a monthly withdrawal limit, and if the monthly withdrawal transaction amount exceeds the cumulative withdrawal limit, In addition, a message is notified to the customer, and the account withdrawal scheduled date and the account withdrawal amount by a utility bill or a credit card can be stored in the customer's IC card.

  The hardware configuration of the third embodiment is the same as that of the first embodiment. Here, according to FIG. 10, the drawing of the first embodiment is used and the third embodiment is used. A form of transaction operation will be described. FIG. 10 is a flowchart showing the transaction operation in the third embodiment, and here, the withdrawal transaction will be described.

  When the customer approaches the automatic transaction apparatus 1 installed in a store or the like, the approach is detected by a proximity sensor (not shown), and a transaction selection screen is displayed on the customer operation unit 5 (step 41). FIG. 11 shows a transaction selection screen. In FIG. 11, the transaction selection screen 40 includes a transaction selection button such as a “withdrawal” button indicating a withdrawal transaction and a “transfer” button indicating a transfer transaction, in addition to the wording prompting the user to press the transaction button. In addition, a “cumulative withdrawal limit change” button 31 and an “account withdrawal scheduled change” button 41 are displayed.

  When the customer depresses the “cumulative withdrawal limit change” button 31 (step 42), as described in the second embodiment, the cumulative withdrawal limit is changed (step 43). When the customer presses the “change account scheduled amount” button 41 (step 44), the account withdrawal planned amount change screen 42 shown in FIG. As shown in FIG. 12, the account withdrawal scheduled amount change screen 42 displays the account withdrawal items scheduled for the month and the scheduled withdrawal amount, and further displays a scheduled withdrawal amount change button 43. Has been.

  When the customer presses one of the planned withdrawal amount change buttons 43, a new withdrawal amount input screen 44 is displayed as shown in FIG. 13, and the customer inputs a new withdrawal amount on this screen 44. Then, by depressing a confirmation button, the scheduled withdrawal amount is changed (step 45). Thereafter, the display unit of the customer operation unit 5 returns to the transaction selection screen 40.

  Next, when the customer presses the “draw” button on the transaction selection screen 40 (step 46), the control unit 3 displays guidance for prompting the customer to insert a card. When the customer inserts his IC card 12 (step 47), the card handling unit 6 reads account information and transaction history information recorded in the recording unit of the customer's IC card 12 (step 48).

  Next, the control unit 3 displays guidance for prompting the customer to input the password, and the customer inputs the password according to the guidance (step 49). The control unit 3 transmits the input password to the host computer 11. The host computer 11 checks whether the stored personal identification number matches the transmitted personal identification number, and returns the result to the control unit 3. When the control unit 3 receives a reply indicating that they do not match, the control unit 3 accepts re-input a predetermined number of times. If the re-input password does not match, the control unit 3 ejects the IC card 12 and ends the transaction process.

  When an answer is obtained that the passwords match (step 50), the control unit 3 displays the transaction history read from the customer's IC card 12 (step 51). The display example of the transaction history in this case is the same as in the case of the first embodiment shown in FIG. That is, as shown in FIG. 4, the transaction history display screen 21 displays the transaction history up to the present month. The display items are date, payment amount or deposit amount, and balance. In addition, a “confirm” button 22 is displayed on the transaction history display screen 21. The withdrawal transaction cannot be executed unless the customer confirms the transaction history and presses the “confirm” button 22.

  When the customer presses the “confirm” button 22 (step 52), the control unit 3 displays a screen for inputting a withdrawal amount (step 53). Since the customer looks at the transaction history screen 21 before inputting the withdrawal amount, the withdrawal amount can be entered in consideration of the transition of the balance. When the customer inputs the withdrawal amount (step 54), the control unit 3 calculates the cumulative withdrawal amount for the current month from the input withdrawal amount and the transaction history information (step 55).

  Next, the control unit 3 compares the calculated total accumulated amount for the current month and the sum of the account withdrawal scheduled amount for the current month with the set total accumulated withdrawal limit (step 56). As a result of the comparison, if the sum of the current month's cumulative withdrawal amount and the current month's scheduled account withdrawal amount is less than or equal to the cumulative withdrawal amount, the withdrawal process is executed based on the entered withdrawal amount (step 57).

  In the withdrawal process, the banknotes or coins of the entered withdrawal amount are counted and dispensed from the banknote deposit / withdrawal unit 8 and the coin deposit / withdrawal unit 9 as necessary, and the transaction content is transacted by the card handling unit 6. Print on the statement. Further, the card handling unit 6 writes the current transaction contents as a new transaction history in the recording unit of the customer's IC card 12 (step 58). Thereafter, the control unit 3 discharges the IC card 12 together with the transaction statement slip, returns it to the customer (step 59), and ends the transaction process.

  In step 56, if the sum of the current month's cumulative withdrawal amount and the current month's account withdrawal amount is larger than the cumulative withdrawal limit, the customer operation unit 5 display will show the current month's cumulative withdrawal amount and the current month's account. A message is displayed to the effect that the total withdrawal amount has exceeded the cumulative withdrawal limit. At the same time, the customer is inquired about whether or not to continue the transaction. If you want to continue, press the “Continue” button. If you do not want to continue, you will be instructed to press the “Cancel” button. A guidance to the effect is displayed (step 60).

  When the customer presses the “continue” button (step 61), the process returns to step 53, the withdrawal amount input screen is displayed, and the customer inputs the withdrawal amount again. When the customer presses the “Cancel” button, the withdrawal process is canceled and the process is terminated.

  As described above, according to the third embodiment, in addition to the effects of the second embodiment, it becomes possible to manage monthly withdrawals in consideration of the account withdrawal schedule, and the balance due to account withdrawal. The shortage can be avoided.

  Next, a fourth embodiment will be described. In the fourth embodiment, when making a transaction with an automatic transaction apparatus, a monthly withdrawal limit can be set, and the monthly withdrawal limit is set according to the income of the month. It is a thing. The hardware configuration of the fourth embodiment is the same as that of the first embodiment. Here, according to FIG. 14 and using the drawing of the first embodiment, the fourth embodiment is used. Will be described. FIG. 14 is a flowchart showing a transaction operation in the fourth embodiment, and here, a withdrawal transaction will be described.

  When the customer approaches the automatic transaction apparatus 1 installed in a store or the like, the approach is detected by a proximity sensor (not shown), and the transaction selection screen shown in FIG. 6 similar to the second embodiment is displayed on the customer operation unit 5. It is displayed (step 71). In other words, in addition to the wording that prompts the user to press the transaction button, the transaction selection screen 30 includes a transaction selection button such as a “withdrawal” button indicating a withdrawal transaction and a “transfer” button indicating a transfer transaction. Then, a “cumulative withdrawal limit change” button 31 is displayed.

  When the customer presses the “cumulative withdrawal limit change” button 31 (step 72), next, the password input screen is displayed on the display unit of the customer operation unit 5 as in the second embodiment, and the customer After entering the password, the next screen for entering a new withdrawal limit is displayed. FIG. 15 shows a new withdrawal limit input screen. In FIG. 15, the withdrawal limit input screen 50 displays an inquiry about what percentage of the income is to be the withdrawal limit, and the customer inputs what percentage and then presses the confirmation button. The accumulated withdrawal limit is set (step 73). Thereafter, the display unit of the customer operation unit 5 returns to the transaction selection screen 30.

  When the customer presses the “draw” button on the transaction selection screen 30 (step 74), the control unit 3 displays guidance for prompting the customer to insert a card. When the customer inserts his IC card 12 (step 75), the card handling unit 6 reads the account information and transaction history information recorded in the recording unit of the customer's IC card 12 (step 76).

  Next, the control unit 3 displays a guidance prompting the customer to input a password, and the customer inputs the password according to the guidance (step 77). The control unit 3 transmits the input password to the host computer 11. The host computer 11 checks whether the stored personal identification number matches the transmitted personal identification number, and returns the result to the control unit 3. When the control unit 3 receives a reply indicating that they do not match, the control unit 3 accepts re-input a predetermined number of times. If the re-input password does not match, the control unit 3 ejects the IC card 12 and ends the transaction process.

  When an answer is obtained that the passwords match (step 78), the control unit 3 displays the transaction history read from the customer's IC card 12 (step 79). The display example of the transaction history in this case is the same as in the case of the first embodiment shown in FIG. That is, as shown in FIG. 4, the transaction history display screen 21 displays the transaction history up to the present month. The display items are date, payment amount or deposit amount, and balance. In addition, a “confirm” button 22 is displayed on the transaction history display screen 21. The withdrawal transaction cannot be executed unless the customer confirms the transaction history and presses the “confirm” button 22.

  When the customer presses the “confirm” button 22 (step 80), the control unit 3 displays a screen for inputting a withdrawal amount (step 81). Since the customer looks at the transaction history screen 21 before inputting the withdrawal amount, the withdrawal amount can be entered in consideration of the transition of the balance. When the customer inputs the withdrawal amount (step 82), the control unit 3 calculates the cumulative withdrawal amount for the current month from the input withdrawal amount and the transaction history information (step 83).

  Next, the control unit 3 calculates the cumulative withdrawal limit from the ratio (percentage) to the income set in step 73 and the current month's income in the transaction history (step 84). Then, the control unit 3 compares the accumulated withdrawal amount for the current month calculated in step 83 with the accumulated withdrawal limit calculated in step 74 (step 85). As a result of the comparison, if the accumulated withdrawal amount for the current month is less than or equal to the accumulated withdrawal amount, a withdrawal process is executed based on the entered withdrawal amount (step 86).

  In the withdrawal process, the banknotes or coins of the entered withdrawal amount are counted and dispensed from the banknote deposit / withdrawal unit 8 and the coin deposit / withdrawal unit 9 as necessary, and the transaction content is transacted by the card handling unit 6. Print on the statement. The card handling unit 6 writes the current transaction content as a new transaction history in the recording unit of the customer's IC card 12 (step 87). Thereafter, the control unit 3 discharges the IC card 12 together with the transaction statement slip, returns it to the customer (step 88), and ends the transaction process.

  In step 85, if the accumulated withdrawal amount for the current month is larger than the accumulated withdrawal amount limit, the accumulated withdrawal amount for the current month shown in FIG. 9 is displayed on the display unit of the customer operation unit 5 as in the second embodiment. Displays a message that the cumulative withdrawal limit has been exceeded. At the same time, the customer is inquired about whether or not to continue the transaction. If you want to continue, press the “Continue” button. If you do not want to continue, you will be instructed to press the “Cancel” button. A guidance to the effect is displayed (step 89).

  When the customer presses the “continue” button (step 90), the process returns to step 81, the withdrawal amount input screen is displayed, and the customer again inputs the withdrawal amount. When the customer presses the “Cancel” button, the withdrawal process is canceled and the process is terminated.

As described above, according to the fourth embodiment, in addition to the effects of the second embodiment, the cumulative withdrawal limit is automatically set according to the amount of income for the month. This makes it possible to manage monthly withdrawals.
In the first to fourth embodiments, the transaction history is written in the storage unit of the customer's IC card. However, the storage destination may be the storage unit or host computer of the customer's portable terminal.

It is a block diagram which shows the automatic transaction apparatus in 1st Embodiment. It is a flowchart which shows the transaction operation | movement in 1st Embodiment. It is explanatory drawing which shows a transaction selection screen. It is explanatory drawing which shows the example of a display of transaction history. It is a flowchart which shows the transaction operation | movement in 2nd Embodiment. It is explanatory drawing which shows the transaction selection screen in 2nd Embodiment. It is explanatory drawing which shows the password input screen in 2nd Embodiment. It is explanatory drawing which shows the withdrawal amount input screen in 2nd Embodiment. It is explanatory drawing which shows the screen which displays a cumulative withdrawal limit excess message. It is a flowchart which shows the transaction operation | movement in 3rd Embodiment. It is explanatory drawing which shows the transaction selection screen in 3rd Embodiment. It is explanatory drawing which shows the account withdrawal planned amount change screen in 3rd Embodiment. It is explanatory drawing which shows the account withdrawal estimated amount input screen in 3rd Embodiment. It is a flowchart which shows the transaction operation | movement in 4th Embodiment. It is explanatory drawing which shows the withdrawal amount limit ratio input screen in 4th Embodiment.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Automatic transaction apparatus 3 Control part 5 Customer operation part 6 Card handling part 12 IC card

Claims (10)

In automatic transaction equipment that performs transactions by customer operations,
A reading unit for reading an IC card storing a transaction history of a customer;
An automatic transaction apparatus comprising: a display unit that displays a transaction history read by the reading unit when a customer performs a transaction operation.   The automatic transaction apparatus according to claim 1, wherein the transaction history is displayed on the display unit on a monthly basis.   3. The automatic transaction apparatus according to claim 1, wherein a confirmation input unit is displayed together with the transaction history on the display unit, and the transaction is executed after the confirmation input unit is pressed. In automatic transaction equipment that performs transactions by customer operations,
A limit setting means for setting a cumulative withdrawal limit for a predetermined period;
Withdrawal amount input means for the customer to enter the withdrawal amount;
Calculation means for calculating a cumulative withdrawal amount in a predetermined period based on a transaction history and a withdrawal amount input by the withdrawal amount input means;
Comparing means for comparing the cumulative withdrawal amount calculated by the calculating means with the cumulative withdrawal limit set by the limit setting means,
An automatic transaction apparatus for executing a withdrawal transaction when the comparing means determines that the accumulated withdrawal amount is equal to or less than the accumulated withdrawal limit.   5. The automatic transaction apparatus according to claim 4, wherein a password is input when the cumulative withdrawal limit is set by the limit setting means.   6. The automatic transaction according to claim 4 or 5, wherein when the comparing means determines that the accumulated withdrawal amount is greater than the accumulated withdrawal limit, the customer is notified that the accumulated withdrawal amount exceeds the accumulated withdrawal limit. apparatus.   7. After making a notification that the accumulated withdrawal amount exceeds the accumulated withdrawal limit, the withdrawal transaction can be continued, and guidance is provided to re-enter the withdrawal amount by the withdrawal amount input means when continuing. The automatic transaction apparatus described. The comparison means compares the cumulative withdrawal amount calculated by the calculation means and a value to which an account withdrawal scheduled amount is added with the cumulative withdrawal limit,
5. The automatic transaction apparatus according to claim 4, wherein a withdrawal transaction is executed when it is determined that a value obtained by adding the accumulated withdrawal amount and a scheduled account withdrawal amount is equal to or less than the accumulated withdrawal limit.   9. The automatic transaction apparatus according to claim 8, wherein the account withdrawal scheduled amount is stored in an IC card.   5. The automatic transaction apparatus according to claim 4, wherein the limit amount setting means sets a set ratio of monthly income as the cumulative withdrawal limit.

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