CN102254384A - Automatic trade control device and automatic trade control program - Google Patents

Automatic trade control device and automatic trade control program Download PDF

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Publication number
CN102254384A
CN102254384A CN2011100231943A CN201110023194A CN102254384A CN 102254384 A CN102254384 A CN 102254384A CN 2011100231943 A CN2011100231943 A CN 2011100231943A CN 201110023194 A CN201110023194 A CN 201110023194A CN 102254384 A CN102254384 A CN 102254384A
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China
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transaction
money
information
account
user
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CN2011100231943A
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CN102254384B (en
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小林勉
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Oki Electric Industry Co Ltd
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Oki Electric Industry Co Ltd
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Abstract

An automatic trade control device and an automatic trade control program, capable of processing the trade and returning the balance amount without establishing the bank account of the client or installing a coin teller machine on the automatic trade device. The automatic trade control device used for controlling processing of the automatic trade control device is characterized by having a first trade processing unit for executing the first trade processing according to the information necessary for the first trade selected by a user; a specific account storage unit for storing a specific account information of a people different from the party of the first trade; and a second trade processing unit for executing the following second trade processing in a case of returning the money to the user through the first trade, i.e. reading out the specific account information from the specific account storage unit and storing a part or the whole money returned to the user into the specific account.

Description

Automated transaction control device and automated transaction control program
Technical field
The present invention relates to automated transaction control device and automated transaction control program, for example, can be applied to be arranged on the automated transaction control device and the program of the automatic trading apparatus that financial institution or convenience store etc. locate.
Background technology
For example, be provided with at bank and other financial mechanism or convenience store, station etc. by the automatic trading apparatus of user's operation of qualified majority not.The user utilizes automatic trading apparatus to carry out financial transaction, for example credit transaction such as the transfer transactions of cash, savings and take out the transaction etc. of withdrawing the money such as cash.
Patent documentation 1 discloses a kind of technology, uses automatic trading apparatus to carry out transfer transactions and has produced under the situation of remaining sum client, this remaining sum is deposited in client's oneself the account, so that shorten the time that automatic trading apparatus carries out the counting action of remaining sum.Thus, under the situation that has produced remaining sum, remaining sum can be deposited in client's the account,, can shorten the corresponding time so no longer need automatic trading apparatus to carry out the counting action of remaining sum.
[patent documentation 1] Japanese kokai publication hei 8-161591 communique
, when using the technology of patent documentation 1 record, customer need is offered the bank account of oneself, may be created in the problem that can't use under the situation of the bank account of not offering oneself.
In addition, comprise that in remaining sum under the situation of coin, automatic trading apparatus need be installed the coin automatic teller machine.Do not install at automatic trading apparatus under the situation of coin automatic teller machine, the remaining sum of the coin amount that can not spue may produce the problem that the user can not conclude the business etc.
Summary of the invention
The invention provides a kind of automated transaction control device and automated transaction control program of automatic trading apparatus, even under the situation of the bank account of not offering client oneself or automatic trading apparatus do not install under the situation of coin automatic teller machine, also can carry out financial transactions such as transfer transactions.
In order to address the above problem, the automated transaction control device of first invention is used to control the processing of automatic trading apparatus, it is characterized in that having: (1) the 1st transaction processing unit, its the 1st transaction of selecting at the user obtains the information that exchange needs, and carries out the 1st transaction processing; (2) particular account storage unit, the personnel's that its storage is different with the litigant of the 1st transaction particular account information; (3) the 2nd transaction processing unit, under the situation that has produced the money of returning to the user by the 1st transaction, carry out the 2nd following transaction processing, promptly, read particular account information from the particular account storage unit, and part or all of money that will return to the user deposits in the described particular account in.
The automated transaction control program of second invention is used to control the processing of automatic trading apparatus, it is characterized in that, described automated transaction control program makes the computing machine with the particular account storage unit of having stored particular account information as playing a role with lower unit: (1) the 1st transaction processing unit, its the 1st transaction of selecting at the user obtains the information that exchange needs, and carries out the 1st transaction processing; (2) the 2nd transaction processing unit, under the situation that has produced the money of returning to the user by the 1st transaction, carry out the 2nd following transaction processing, that is, read particular account information, and part or all of money that will return to the user deposits in the particular account in from the particular account storage unit.
According to the present invention, though under the situation of the bank account of not offering client oneself or automatic trading apparatus do not install under the situation of coin automatic teller machine, also can carry out financial transactions such as transfer transactions.
Description of drawings
Fig. 1 is the cut-away view of inner structure that the automatic trading apparatus of embodiment is shown.
Fig. 2 is the overall construction drawing of general structure that the automated trading system of embodiment is shown.
Fig. 3 is the block diagram of function that the transaction processing portion of embodiment is shown.
Fig. 4 is the process flow diagram that the automated transaction processing portion of the 1st embodiment is shown.
Fig. 5 is the figure that is illustrated in the display frame example that shows when the particular account of the 1st embodiment deposits remaining sum in.
Fig. 6 is the process flow diagram that the transaction processing portion of the 2nd embodiment is shown.
Fig. 7 is the figure that is illustrated in the display frame example that shows when the particular account of the 2nd embodiment deposits the remaining sum money in.
Label declaration
1 automatic trading apparatus; 21 user's operation display part; 22 cards read printing portion; 23 bank note discrepancy portions; 24 bankbook portions; 25 control parts; 251 storage parts; 252 transaction processing portions; 253 Department of Communication Forces; 2 information terminals; 3 shops; 4 dedicated lines; 5 host computers; 31 financial transaction handling parts; 311 account transfer handling parts; 312 deposit handling parts; 313 handling parts of withdrawing the money; 32 particular account deposit handling part.
Embodiment
(A) the 1st embodiment
Below, with reference to the 1st embodiment of description of drawings automated transaction control device of the present invention and automated transaction control program.
(A-1) structure of the 1st embodiment
(A-1-1) general structure
Fig. 2 is the overall construction drawing of general structure that the automated trading system of the 1st embodiment is shown.In Fig. 2, automated trading system 10 constitutes has automatic trading apparatus 1, information terminal 2, the host computer 5 that is connected with dedicated line 4 at least.
Automatic trading apparatus 1 is set in the shop 3 of for example bank and other financial mechanism or convenience store etc., according to user's operation, carries out financial transactions such as transfer transactions, credit transaction (for example savings transaction etc.), the transaction of withdrawing the money (for example extract conclude the business etc.).Automatic trading apparatus 1 is connected with dedicated line 4, sends the Transaction Information relevant with financial transaction of user's input by dedicated line 4 to host computer 5, and passes through the transaction results that dedicated line 4 receives host computers 5, and shows Transaction Information.
Information terminal 2 is set in the shop 3, be can and host computer 5 between the terminal that communicates.Information terminal 2 is confirmed the Transaction Information by host computer 5 management according to the salesman's in shop 3 etc. operation.Thus, the salesman can confirm that the account of whether offering to shop side deposits.As long as information terminal 2 can and host computer 5 between communicate, then can the various information terminals of widespread use.For example, though do not illustrate, but information terminal 2 can be constitute have input block, the terminal (for example personal computer etc.) of display unit, communication unit etc., also can be special information terminal, can also be mounted in information-communication device in shop cashier's machine etc. etc.
Host computer 5 is host computers of financial institution's central side.Host computer 5 carries out the exchange of Transaction Information by dedicated line 4 and automatic trading apparatus 1, according to the financial transaction of carrying out user's expectation from the Transaction Information of automatic trading apparatus 1, and in database (not shown) managing transaction information, send transaction results to automatic trading apparatus 1.And host computer 5 also receives request from information terminal 32, and provides management information at the Transaction Information of being asked to information terminal 2.
(A-1-2) inner structure of automatic trading apparatus
Fig. 1 is the block diagram of inner structure that the automatic trading apparatus of the 1st embodiment is shown.In Fig. 1, the automatic trading apparatus 1 of the 1st embodiment constitute have user's operation display part 21 at least, card reads printing portion 22, bank note discrepancy portion 23, bankbook portion 24, control part 25.
User's operation display part 21 comprises: display unit, and it shows the selection picture of option dealing classification under the control of control part 25, or shows the guide picture of each transaction; Operating unit, it is obtained with the user and operates corresponding input information, and input information is offered control part 25.User's operation display part 21 can be distinguished and constitute operating unit and display unit independently, perhaps also can for example as screen displaying etc. operating unit and display unit be constituted one.
User's operation display part 21 is according to user's operation, shows the guide picture of transaction options button information (for example comprise transaction such as transfer accounts, deposit, withdraw the money etc. transaction classification) and each transaction, and obtains information that exchange needs as input information.For example, when carrying out transfer transactions, the financial institution's title, trade name, project, number of the account, recipient's title, clientage's title, clientage's telephone number, transfer amount etc. that obtain the account transfer take over party are as input information, perhaps, for example when transaction such as depositing, withdrawing the money, obtain number of the account, password, the amount of money of depositing and withdrawing etc. is as input information.
Card reads the information of printing portion 22 reading and recording at the card that is used for concluding the business from insertion mouthful bank card of accepting or transferred account card etc., this information that reads is offered control part 25, to write from the Transaction Information that control part 25 receives the described card, will block discharge from escape hole.About card, can application examples as card that IC chip etc. has been installed, can utilize the card of magnetism method canned data etc.Card reads printing portion 22 and can tackle the card that utilizes these electric approach and magnetism method canned data.In addition, in Fig. 1, only show a card and read printing portion 22, read printing portion 22 but also can a plurality of cards be set according to for example formation classification of electric approach, magnetism method etc.
In addition, card reads printing portion 22 and Transaction Information is printed on medium (for example paper etc.) goes up and discharge from escape hole as detail form.And, for example in transaction, produce under the situation of remaining sum, at control part 25 with the cancellation of balances of accounts in particular account described later (for example storekeeper waits the particular account offer) time, card reads printing portion 22 and will the Transaction Information relevant with the transfer transactions of this remaining sum be printed on the medium such as paper, and discharges from escape hole as detail form.
In addition, in the 1st embodiment, for convenience of explanation, suppose that remaining sum is that the situation of coin is illustrated, but also can comprise bank note.
Bank note discrepancy portion 23 is taken into from inserting the bank note that mouth is accepted, and calculates the amount of money of the bank note that is taken into, and bank note containing in collecting storage facility (not shown), is offered control part 25 with the amount of money of the bank note that is taken into.And bank note discrepancy portion 23 takes out and the suitable bank note of the amount of money of being indicated by control part 25 from collecting storage facility, and this bank note is discharged from escape hole.
Bankbook portion 24 reading and recording offer control part 25 in the information from insert mouthful bankbook of accepting with the information that is read, and will charge to the bankbook from the Transaction Information that control part 25 is obtained, and charge to the back and export from delivery outlet.
Control part 25 is handling part or devices of the transaction processing of control automatic trading apparatus 1.Control part 25 and user's operation display part 21, card read printing portion 22, bank note discrepancy portion 23, bankbook portion 24 and are connected, and carry out the selected transaction processing of user.
Control part 25 has storage part 251, transaction processing portion 252, Department of Communication Force 253 as shown in Figure 1 at least.
Department of Communication Force 253 is by carrying out the handling part and the device of message exchange between dedicated line 4 and the host computer 5.For example, in can confirming storage part 251, store the information that exchange needs, and when carrying out the user by the selected transaction of this information, the information that Department of Communication Force 253 will be stored in the storage part 251 sends to host computer 5.And Department of Communication Force 253 offers transaction processing portion 252 with this transaction results after obtaining transaction results from host computer 5, and makes user's operation display part 21 show transaction results.
Storage part 251 is storage areas of the required information of storage financial transaction.For example, the guide picture of each shown transaction, user's input information etc. on the storage part 251 storage user operation display part 21.After the transaction of having selected user's expectation by user's operation display part 21, from storage part 251, read the guide picture of each transaction and be presented on user's operation display part 21.And storage part 251 reads printing portion 22 or bankbook portion 24 etc. from user's operation display part 21 or card and obtains information that exchange needs as input information, and stores this input information.
And storage part 251 storages are as the accounts information (for example name on account, financial institution's title, trade name, subject, number of the account etc.) of the account transfer take over party's of the cancellation of balances of accounts particular account.
Wherein, particular account is different from the account of the litigant's that the user of automatic trading apparatus 1 concludes the business financial institution, is meant the account of the financial institution that deposits the amount of money suitable with remaining sum in.In the 1st embodiment, particular account is meant when money is deposited in the account, this money that deposits in is handed to depositor's (user) a side's bank account with cash base.For example, the account etc. that is provided with the shop 3 of automatic trading apparatus 1 just belongs to particular account, for example, if shop 3 is bank and other financial mechanism or convenience store etc., then can be made as the shop account of this financial institution or convenience store.In addition, particular account is so long as the side's that the money that deposited in is returned with cash base account, then is not limited to be provided with the account in the shop of automatic trading apparatus 1.
Transaction processing portion 252 carries out reading printing portion 22, bankbook portion 24 from user's operation display part 21, card to obtain information processing portion and the device that the exchange of user's expectation needs.Transaction processing portion 252 obtains the information that exchange needs according to each transaction classification after the transaction classification that obtains user's expectation.And transaction processing portion 252 is after the affirmation that has obtained from the user concluding the business, and the information that exchange is needed offers Department of Communication Force 253, and offers host computer 5.
And, produced in the transaction processing of selecting by the user under the situation of money (below be also referred to as remaining sum) of the difference between the amount of money that transaction relates to and the input amount of money, transaction processing portion 252 carries out reading particular account information from storage part 251, and this remaining sum is deposited in the processing of particular account.
Fig. 3 is the functional block diagram that the processing of transaction processing portion 252 is shown from function.In Fig. 3, transaction processing portion 252 has financial transaction handling part 31, particular account deposit handling part 32 at least.
Financial transaction handling part 31 is used to carry out the transaction processing of automatic trading apparatus 1.Financial transaction handling part 31 carries out the transaction processing that the user selects according to the input information from user's operation display part 21 grades.For example, financial transaction handling part 31 has account transfer handling part 311, deposit handling part 312 and the handling part 313 etc. of withdrawing the money, the processing of transferring accounts of account transfer handling part 311, deposit handling part 312 carries out for example depositing in the savings processing of money in the account of offering, the handling part 313 of withdrawing the money carries out for example extracting the processing of withdrawing the money of money from the account of offering.
Account transfer handling part 311 from user's operation display part 21, card reads printing portion 22 or bankbook portion 24 obtains the required information of transfer transactions, and obtains content for transferring accounts to the take over party's that transfers accounts Transaction Information from the transfer amount the amount of money that bank note discrepancy portion 23 receives.And will the transfer accounts Transaction Information of content of account transfer handling part 311 sends to host computer 5, makes host computer 5 execution transfer transactions.In addition, account transfer handling part 311 will the Transaction Information relevant with transfer transactions offers user's operation display part 21, card and reads any one party in printing portion 22, bank note discrepancy portion 23, the bankbook portion 24 or whole after the processing of transfer transactions finishes.
Deposit handling part 312 reads the information that printing portion 22 or 24 collection of deposits exchanges of bankbook portion need from user's operation display part 21, card, and obtains content and be the Transaction Information that the amount of money deposits account in that deposits in that will be from the amount of money that bank note discrepancy portion 23 receives.And deposit handling part 312 sends to host computer 5 with Transaction Information, makes host computer 5 carry out credit transaction.In addition, deposit handling part 312 will the Transaction Information relevant with credit transaction offers user's operation display part 21, card and reads any one party in printing portion 22, bank note discrepancy portion 23, the bankbook portion 24 or whole after the processing of credit transaction finishes.
The handling part 313 of withdrawing the money reads printing portion 22 or bankbook portion 24 from user's operation display part 21, card and obtains the information that the exchange that withdraws the money needs, and obtains the Transaction Information of content for the amount of money of withdrawing the money from account.And the handling part 313 of withdrawing the money sends to host computer 5 with Transaction Information, makes host computer 5 carry out the transaction of withdrawing the money.In addition, withdraw the money handling part 313 after the processing of the transaction of withdrawing the money finishes, will offer user's operation display part 21, card with the relevant Transaction Information of transaction of withdrawing the money and read any one party in printing portion 22, bank note discrepancy portion 23, the bankbook portion 24 or whole.
Under the situation that has produced the transaction amount of money that relates to and the money that deposits the difference between the amount of money in, particular account deposit handling part 32 is read particular account information from storage part 251, and to obtain content be the Transaction Information that this remaining sum is deposited in particular account.And particular account deposit handling part 32 will send to host computer 5 to the Transaction Information that particular account deposits the money of remaining sum amount in, and make host computer 5 carry out credit transaction.In addition, also can carry out depositing in the credit transaction of remaining sum by deposit handling part 312 or account transfer handling part 311 to particular account.
And after the credit transaction that deposits this remaining sum to particular account in finished, particular account deposit handling part 32 offered card with this Transaction Information and reads printing portion 22.Thus, can read the detail form that the 22 output expressions of printing portion have deposited remaining sum in particular account from card.
(A-2) action of the 1st embodiment
Below, with reference to the action of the automated transaction control and treatment of description of drawings the 1st embodiment.Below, illustration user utilizes automatic trading apparatus 1 to carry out the situation of cash transfer transactions.
Fig. 4 is the process flow diagram that the automated transaction control and treatment of automatic trading apparatus 1 is shown.
At first, select the transaction options button (step S300, S301) of cash account transfer the transaction menu of user on the user's operation display part 21 that is presented at automatic trading apparatus 1.
The selection information that the cash of user's selection is transferred accounts offers control part 25 from user's operation display part 21.In control part 25, transaction processing portion 252 begins transfer transactions according to the selection information of the cash account transfer that receives from user's operation display part 21.
The guide picture of transfer transactions is read from storage part 251 by transaction processing portion 252, and offers user's operation display part 21.Thus, user's operation display part 21 shows the guide picture of the treatment step of guiding transfer transactions, thus the required information of prompting input transfer transactions.The user who sees this guide picture is according to the required information of guide picture input transfer transactions.After the required information of input transfer transactions, these input informations are stored in the storage part 251.
The processing procedure of transfer transactions is not particularly limited.In Fig. 4, step S302~S305 shows a wherein example.
In addition, except the illustrated step of Fig. 4, for example hold under the situation of the transferred account card that has write down transfer transactions information in the past the user, also can be that card reads printing portion 22 and reads the required information of transfer transactions (financial institution's title of account transfer take over party, trade name, project, number of the account etc.) from the transferred account card that inserts.
In Fig. 4, behind the picture of display reminding input account transfer people's (clientage) name on user's operation display part 21, the user imports account transfer people's name, and account transfer people information is provided for transaction processing portion 252 (step S302).
Then, behind the picture of account transfer take over party information such as the financial institution's title of display reminding input account transfer take over party on user's operation display part 21, trade name, project, number of the account, the user imports account transfer take over party information, and account transfer take over party information is provided for control part 25 (step S303).And behind the picture of display reminding input transfer amount on user's operation display part 21, the user imports transfer amount, and transfer amount is provided for transaction processing portion 252 (step S304).
After user's operation display part 21 showed to deposit the picture of bank note in, the user was inserted into bank note and inserts mouth.Bank note discrepancy portion 23 statistics is from inserting the bank note that mouth is taken into, and the amount of money that deposits in of bank note is offered transaction processing portion 252 (step S305).
After according to the required information of the order of step S302~S305 input cash transfer transactions, whether correct user's operation display part 21 show content the picture of expression transfer transactions, and content (step S306) is confirmed in prompting.The user confirms the content of shown transfer transactions, presses ACK button under the situation of carrying out transfer transactions, presses cancel button in the situation of not carrying out transfer transactions.
After pressing ACK button, owing to confirm the user and will carry out transfer transactions, so the transaction processing portion 252 of control part 25 uses the input information of users' input and obtained deposits the processing that the amount of money carries out transfer transactions in according to content based on input information.
Transaction processing portion 252 is transfer amount and service charge addition, and calculates the amount of money that transfer transactions relates to.The amount of money that transaction processing portion 252 relates to transfer transactions and compare from the amount of money that deposits in that the user obtains, if it is consistent with the amount of money that transfer transactions relates to deposit the amount of money in, then sending content to host computer 5 is the Transaction Information that changes transfer amount to account transfer take over party's account over to, and the account transfer that works normal of going forward side by side is handled.
On the other hand, depositing under the situation that the amount of money that the amount of money relates to than transfer transactions Duos, calculating deducts the amount of money that deposits in behind the amount of money from the amount of money that transfer transactions relates to be remaining sum, transaction processing portion 252 is at the transfer amount that deposits in the amount of money, sending content to host computer 5 is the Transaction Information of transferring accounts to account transfer take over party's account, and the account transfer that works normal of going forward side by side is handled.And behind the result who is finished by host computer 5 output transfer transactions, the processing of remaining sum is returned by transaction processing portion 252.
In the time can partly returning according to the bank note in the remaining sum, the bank note (step S307) that is equivalent to this amount of money is returned by transaction processing portion 252 from bank note discrepancy portion 23.
In addition, transaction processing portion 252 reads particular account information at the remaining sum of coin part from storage part 251, and the amount of money of the remaining sum of being about to be equivalent to the coin part of going forward side by side deposits the deposit of particular account in and handles (step S308).In addition, in the 1st embodiment, under the situation of the remaining sum that has produced the coin part, transaction processing portion 252 carries out remaining sum is deposited in the processing of particular account, at this moment, transaction processing portion 252 also can make user's operation display part 21 show the display frame that the user is illustrated this situation, after the affirmation of receiving the user, carries out depositing processing at the remaining sum of particular account.
Then, in automatic trading apparatus 1, card reads printing portion 22 and obtains the Transaction Information that deposits transaction at the remaining sum of particular account in from the transaction processing portion 252 of control part 25, prints detail form and discharges (step S309) according to this Transaction Information.
The client who gets detail form provides detail form to the salesman of cashier.The salesman will be printed on the Transaction Identification Number on the detail form etc. and input to information terminal 2, confirm that the remaining sum of coin part has been deposited in the bank account (particular account) of shop management, and utilize the coin in the cashier's machine that remaining sum is returned to client.
At this, between automatic trading apparatus 1 and host computer 5, carry out handling and depositing the processing of remaining sum in to particular account by the common account transfer of user indication, so each transaction is different financial transaction, be endowed different Transaction Identification Numbers.The salesman uses information terminal 2 input to deposit the credit transaction number of remaining sum in to particular account, can confirm to have carried out the deposit of this Transaction Identification Number thus.
In addition, also common account transfer can be handled and be considered as major transaction, the cancellation of balances of accounts processing of particular account is considered as the subordinate transaction, host computer 5 is handled for the remaining sum deposit of particular account, and the information (numbering that for example is associated etc.) that use can be associated with the Transaction Identification Number that common account transfer is handled manages.
In addition, in step S306, when pressing cancel button, the expression user does not carry out this transaction, so under the control of control part 25, the bank note that deposits the amount of money in (step S310) that is inserted is returned by bank note discrepancy portion 23, and finish this account transfer and handle (step S311).
(A-3) effect of the 1st embodiment
As mentioned above, according to the 1st embodiment, under the situation of the remaining sum that has produced the user that return to automatic trading apparatus 1, carry out depositing in the deposit processing of this remaining sum to particular account, after shop side has confirmed to deposit the money of particular account in, deposited in the money of this particular account with the cash base payment, so also can not utilize even do not have the client of bank account.
And, in the 1st embodiment, in the automatic trading apparatus that the coin automatic teller machine is not installed, also can carry out financial transactions such as cash account transfer, and not need significantly modifier structure.
(B) the 2nd embodiment
Below, with reference to the 2nd embodiment of description of drawings automated transaction control device of the present invention and automated transaction control program.
(B-1) structure of the 2nd embodiment and action
In the 1st embodiment, illustrated that particular account is the situation of financial institution's account of the money that will be deposited in the account as shop that automatic trading apparatus 1 is set etc., with the cash base side that hands to the user, in the 2nd embodiment, illustration particular account for example be accept to solicit contributions to wait the situation of the bank account of contribution.
In the 2nd embodiment, can use the structure of the transaction processing portion 252 of the automated trading system 10 that in the 1st embodiment, illustrates, automatic trading apparatus 1, automatic trading apparatus 1 to describe, so following use Fig. 1~Fig. 3 describes.
Fig. 6 is the process flow diagram that the action that the automated transaction of the automatic trading apparatus 1 of the 2nd embodiment handles is shown.Fig. 6 illustration the user use automatic trading apparatus 1 to carry out the situation of the process of exchange of cash account transfer.
In Fig. 6, with the 1st embodiment in the same manner, automatic trading apparatus 1 is selected the transaction options button (step S500, S501) of cash account transfer by the user, the guide picture that on user's operation display part 21, shows transfer transactions, import the required information of transfer transactions (step S502~S504), deposit bank note (step S505) in by the user.
And identical with the 1st embodiment in automatic trading apparatus 1, user's operation display part 21 shows transaction content, and the prompting user confirms content (step S506).After the user presses ACK button, be judged as in transaction processing portion 252 that to deposit the amount of money in be that the amount of money that relates to of transfer transactions is when above, sending content to host computer 5 handles for transfer amount being changed over to the Transaction Information of account transfer take over party's account, go forward side by side the account transfer that works normal.Provided from host computer 5 closing the transaction as a result the time, transaction processing portion 252 carries out the return of remaining sum and handles.
Depositing under the situation that the amount of money that the amount of money relates to than transfer transactions Duos, transaction processing portion 252 calculates and deduct the amount of money that deposits in behind the amount of money from the amount of money that transfer transactions relates to is remaining sum.And in the time can partly returning according to the bank note in the remaining sum, the bank note (step S507) that is equivalent to this amount of money is returned by transaction processing portion 252 from bank note discrepancy portion 23.
In addition, transaction processing portion 252 allows the user confirm whether contribute money (step S508) at the remaining sum of coin part.
For example, illustrative display frame in user's operation display part 21 displayed map 7.For example, show as shown in Figure 7 that the remaining sum of coin part is " * * * yen ", and show whether inquiry is donated to the content that zz solicits contributions with remaining sum.And, in the illustrative display frame of Fig. 7, show contribution button 701 and cash button 702.
Agree to contribute under the situation of remaining sum the user, the user presses contribution button 701.After contribution button 701 is pressed, financial institution's accounts information of soliciting contributions usefulness is read by transaction processing portion 252 from storage part 251, the money of remaining sum part is deposited in the particular account of soliciting contributions usefulness (step S509), print the detail form relevant and discharge (step S510) with the credit transaction of the particular account deposit of soliciting contributions usefulness to this.
And, in step S508, after cash button 702 is pressed, changing step S511 over to, the deposit that deposits remaining sum in to particular account of carrying out illustrating in the 1st embodiment is handled (step S511, S510).
Wherein, the particular account of soliciting contributions usefulness can be the account offered by shop side in order to solicit contributions such as convenience store for example, can also be the account of raising a side of this contribution.And not necessarily one of the particular account of whip-round usefulness also can be a plurality of.That is, also can be with a plurality of whip-rounds as object.Have under the situation of a plurality of whip-rounds, showing that to the user selection is deposited into the display frame of which whip-round with remaining sum, and remaining sum is being deposited in the particular account of the whip-round that the user selects.For example can so realize in this case: in storage part 251, give the identifying information that is used to discern each particular account information, the particular account of reading corresponding identifying information by user's selection operation to each particular account information (comprise particular account information that cash reimbursement uses, solicit contributions the particular account information of usefulness).
(B-2) effect of the 2nd embodiment
As mentioned above, according to the 2nd embodiment,, can save time and save trouble at the client of the remaining sum of not expecting to return small amount.And,, have the advantage that can in the shop, increase contribution according to the 2nd embodiment.
(C) other embodiments
(C-1) in the 1st embodiment, accept the remaining sum of coin at cashier with cash base, but also can the remaining sum of coin part be supplemented with money in the stored value card (card of IC chip or mobile phone etc. for example have been installed) at cashier.
(C-2) in the 1st and the 2nd embodiment, consider that also existence do not get the client of coin remaining sum, so, can donate automatically for the coin remaining sum of getting future in during certain.In this case, when carrying out the transaction of automatic trading apparatus, demonstration is passed through the information that will donate automatically behind the certain hour and client is pointed out.
(C-3) in the 1st and the 2nd embodiment, when when cashier is confirmed to have deposited the coin remaining sum in, type slug font code on detail form (notion that for example comprises one-dimensional bar code, 2 d code), and utilize information terminal to read this bar code, can simplify salesman's operation thus, instantaneous complete operation.In this case, the card of automatic trading apparatus reads printing portion and need possess the function of representing the printing bar code of depositing to particular account.And, by with interlocks such as remaining sum, can also when reading bar code, extract the remaining sum of coin.
(C-4) for the transfer transactions of particular account, also can with whole cancellation of balances of accounts in particular account, for example comprise under the situation of bank note etc. in remaining sum, also can be in particular account with a part of cancellation of balances of accounts.In this case, particular account deposit handling part also can be specified the amount of money of the remaining sum that changes particular account over to.

Claims (6)

1. an automated transaction control device of controlling the processing of automatic trading apparatus is characterized in that, described automated transaction control device has:
The 1st transaction processing unit, its 1st transaction of selecting at the user obtains the information that exchange needs, and carries out described the 1st transaction;
The particular account storage unit, the personnel's that its storage is different with the litigant of described the 1st transaction particular account information;
The 2nd transaction processing unit, under the situation that has produced the money of returning to the user by described the 1st transaction, carry out the 2nd following transaction processing, promptly, read described particular account information from described particular account storage unit, and part or all of money that will return to described user deposits in the described particular account in.
2. automated transaction control device according to claim 1 is characterized in that,
Described automatic trading apparatus has the print-out unit that print transaction information is also exported on medium,
Described the 2nd transaction processing unit provides expression to deposit the Transaction Information of described particular account in to described print-out unit, and the medium of this Transaction Information that made described print-out unit output print.
3. automated transaction control device according to claim 1 and 2, it is characterized in that, described the 2nd transaction processing unit will be in described the 1st transaction part or all of the amount of money that relates to of exchange and the money that deposits the difference between the amount of money in that deposits in deposit in the described particular account.
4. automated transaction control device according to claim 3 is characterized in that, deposits money in the described particular account in and be the money of the coin part in the money of described difference.
5. according to any described automated transaction control device in the claim 1~4, it is characterized in that described particular account is the account that is provided with the shop of described automatic trading apparatus.
6. according to any described automated transaction control device in the claim 1~5, it is characterized in that described particular account is the account that deposits contribution in.
CN201110023194.3A 2010-05-19 2011-01-20 Automatic trade control device Expired - Fee Related CN102254384B (en)

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