Transaction device, transaction program and bankbook issuance device

Abstract

To allow a user to easily perform a change procedure for an account type or a bankbook type of a banking institution or the like.SOLUTION: In the present invention, a transaction device that performs predetermined transaction processing by a customer operation, includes: an operation display unit; a bankbook processing unit that performs printing processing on an inserted bankbook; and a control unit that exchanges electronic messages relating to a predetermined transaction between itself and a host server after the transaction is selected on a transaction selection screen displayed on the operation display unit. When the response electric message from the host server includes information indicating that a change to an account with no bankbook is possible relating to the customer, a change confirmation screen for confirming the change from an account with a bankbook to the account with no bankbook is displayed on the operation display unit, and the control unit exchanges electronic messages relating to the change in account with the host server, after confirmation on the change confirmation screen.SELECTED DRAWING: Figure 1

Description

[Technical field]

[0001] The present invention relates to a transaction device, a transaction program, and a passbook issuing device. [Background technology]

[0002] Financial institutions and the like store information about transactions for each customer in a ledger, and customers can record transaction information stored in the ledger of the financial institution or the like in their passbooks.

[0003] In recent years, as part of cost reduction efforts by financial institutions and the like, attempts have been made to reduce the number of paper passbooks, and a shift is being made to non-passbook accounts, which do not issue paper passbooks.

[0004] Non-patent document 1 describes a digital passbook (a so-called WEB passbook) that allows customers to access the financial institution's website via a network and log in when switching to a passbookless account, thereby enabling them to check information about their transactions.

[0005] Furthermore, Patent Document 1 discloses an automated teller machine that enables a customer to apply for a non-passbook account, and discloses that the automated teller machine enables a customer to apply for a non-passbook account through operation of the customer, and that a web passbook can be selected to check accounting information, etc.

[0006] In addition, it is possible to switch to a digital passbook via the network, for example by using online banking applications or applications installed on a mobile device such as a smartphone. [Prior art documents] [Patent documents]

[0007] [Patent Document 1] JP 2016-149144 A [Non-patent literature]

[0008] [Non-Patent Document 1] Mitsubishi UFJ Bank, Ltd. website, "Eco Passbook (Internet Passbook)", February 8, 2020, [Retrieved April 8, 2020] https: / / www.bk.mufg.jp / tsukau / eco_tsuchou / index.html Summary of the Invention [Problem to be solved by the invention]

[0009] Procedures for changing the type of account or passbook at a financial institution are generally handled at the counter of the financial institution. Furthermore, there is still a strong need for paper passbooks, and there are cases where a customer who has switched to an account without a passbook wishes to switch back to an account that issues a paper passbook (an account with a passbook). In such cases, too, the procedure is generally handled at the counter of the financial institution.

[0010] However, financial institutions and other financial institutions have limited business hours, making it difficult for customers to change their account types. Although some transaction devices allow customers to change their account types, the transaction operations are complicated, and there is a demand for simpler operations.

[0011] Alternatively, there is a demand for making it possible to change account types even on transaction devices that cannot handle passbooks, but there is an issue that the transaction device cannot issue a new passbook, particularly when switching back to an account with a passbook.

[0012] On the other hand, for employees of financial institutions, etc., the task of switching to a passbook account is a new counter task, which increases the burden of counter work. Therefore, there is a need for a system that allows customers to easily carry out the account type change procedure at a transaction device, and that reduces the burden of counter work by avoiding the burden of switching to a passbook account and issuing a passbook as much as possible.

[0013] In addition, while it is possible to check the contents of a digital bankbook using an application on a mobile device, there is also a strong demand for a physical record of the deposit account history.

[0014] SUMMARY OF THE PRESENT DISCLOSURE In view of the above problems, the present invention provides a transaction device, a transaction program, and a passbook issuing device that can easily carry out procedures for changing the type of account or passbook type at a financial institution or the like. [Means for solving the problem]

[0015] In order to solve such problems, the first invention is a transaction device which performs a specified transaction process through customer operation, comprising an operation display unit, a passbook processing unit which performs printing processing on an inserted passbook, and a control unit which, when a specified transaction is selected on a transaction selection screen displayed on the operation display unit, sends and receives a message relating to the transaction with a host server, and when a response message from the host server contains information indicating that a change to a non-passbook account is possible for the customer, a change confirmation screen for confirming the change from an account with a passbook to an account without a passbook is displayed on the operation display unit, and after confirmation on the change confirmation screen, the control unit sends and receives a message relating to the account change with the host server.

[0016] The second invention is a transaction device which performs a specified transaction process through customer operation, comprising an operation display unit, a passbook processing unit which performs printing processing on an inserted passbook, and a control unit which, when a specified transaction is selected on a transaction selection screen displayed on the operation display unit, sends and receives messages related to the transaction with a host server, and is characterized in that, when the response message from the host server contains information indicating that the customer's account can be switched to a non-passbook account, a screen is displayed on the operation display unit to confirm whether the customer wishes to switch to a non-passbook account.

[0017] The third invention is a transaction device which performs a specified transaction process through customer operation, comprising an operation display unit, and a control unit which, when an account change transaction is selected on a transaction selection screen displayed on the operation display unit, sends and receives an electronic message related to the account change with a host server, and when the account change transaction is selected and a response message from the host server contains information indicating that an account change is possible for the customer, a change confirmation screen is displayed on the operation display unit on which the customer can decide whether to confirm or cancel the execution of the account change transaction, and after confirmation on the change confirmation screen, the control unit sends and receives an electronic message related to the account change with the host server, and when a response message permitting the account change is received from the host server, the account change transaction is completed.

[0018] A fourth aspect of the present invention is a transaction device which performs a predetermined transaction process by a customer operation, comprising an operation display unit, and a control unit which, when an account change transaction is selected on a transaction selection screen displayed on the operation display unit, sends and receives a message related to the account change with a host server, and when an account change transaction is selected and a response message from the host server contains information indicating that an account change is possible for the customer, a change confirmation screen is displayed on the operation display unit, and after confirmation on the change confirmation screen, the control unit sends and receives a message related to the account change with the host server, and when a response message of account change permission is received from the host server, the account change transaction is completed, and when the account change transaction on the transaction selection screen is a transaction of changing an account from a non-passbook account to an account with a passbook, a change confirmation screen including a fee for changing to the account with a passbook is displayed on the operation display unit, and after confirmation on the change confirmation screen, the control unit sends and receives a message related to the account change with the host server, and when a response message of account change permission is received from the host server, an issued new passbook is discharged from the passbook processing unit. Effect of the Invention

[0019] According to the present invention, procedures for changing the type of account or passbook at a financial institution or the like can be easily carried out. [Brief description of the drawings]

[0020] [Figure 1] 1 is an external configuration diagram showing an external configuration of a transaction device according to a first embodiment. [Diagram 2] 1 is a configuration diagram showing the configuration of a transaction system according to a first embodiment and the internal configuration of a transaction device. [Diagram 3] 4 is a flowchart showing the process of a passbook presence / absence switching transaction in the transaction device according to the first embodiment. [Figure 4] FIG. 4 is a diagram showing a screen displayed on the operation display unit of the transaction device of the first embodiment. [Diagram 5] 4 is a diagram showing the configuration of WEB passbook switching information printed on a passbook in the first embodiment. FIG. [Figure 6] 13 is a flowchart showing the process of a passbook presence / absence switching transaction in a transaction device according to a second embodiment. [Figure 7] FIG. 11 is a diagram showing a screen displayed on the operation and display unit of the transaction device of the second embodiment. [Figure 8] 13 is a flowchart showing the processing of a passbook presence / absence switching transaction in a transaction device according to a third embodiment. [Figure 9] FIG. 13 is a diagram showing a screen displayed on the operation and display unit of the transaction device of the third embodiment. [Figure 10] FIG. 13 is a diagram showing the configuration of passbook cut-back information printed on a passbook in the third embodiment. [Figure 11] 13 is a flowchart showing the process of a passbook presence / absence switching transaction in a transaction device according to a fourth embodiment. [Figure 12] FIG. 13 is a diagram showing a screen displayed on the operation and display unit of a transaction device of the fourth embodiment. [Figure 13] FIG. 13 is an overall configuration diagram showing the overall configuration of a trading system according to a fifth embodiment. [Figure 14] FIG. 13 is a configuration diagram showing an example of the configuration of customer information stored in a storage device according to the fifth embodiment. [Figure 15] FIG. 13 is a diagram showing an example of the configuration of registration information according to the fifth embodiment. [Figure 16] FIG. 13 is a sequence diagram showing the processing operation in a trading system according to the fifth embodiment (part 1). [Figure 17] FIG. 13 is a sequence diagram showing the processing operation in the trading system according to the fifth embodiment (part 2). [Figure 18] FIG. 13 is a screen diagram showing an example of a screen displayed on an information processing terminal according to the fifth embodiment. [Figure 19] A configuration diagram showing the configuration of a transaction system according to a seventh embodiment and the internal configuration of a transaction device. [Figure 20] 23 is a flowchart (part 1) showing the process and screen transition of a passbook presence / absence switching transaction in a transaction device according to a seventh embodiment. [Figure 21] 23 is a flowchart showing the process and screen transition of a passbook presence / absence switching transaction in the transaction device according to the seventh embodiment (part 2). [Figure 22] 23 is a flowchart showing the process and screen transition of a passbook presence / absence switching transaction in the transaction device according to the seventh embodiment (part 3). [Diagram 23] A configuration diagram showing the configuration of a transaction system according to an eighth embodiment and the internal configuration of a transaction device. [Figure 24] 13 is a flowchart showing a processing operation in a transaction device according to an eighth embodiment. [Diagram 25] FIG. 13 is a screen diagram (part 1) displayed on the operation display unit of the transaction device of the eighth embodiment. [Figure 26] FIG. 23 is a configuration diagram showing an example of the configuration of customer information stored in a storage device according to the eighth embodiment. [Figure 27] FIG. 23 is a screen diagram (part 2) displayed on the operation display unit of the transaction device of the eighth embodiment. [Figure 28] 20 is a flowchart showing the processing operation for issuing a new passbook by a passbook issuing device in the eighth embodiment. [Figure 29] FIG. 23 is a diagram showing a screen displayed on the operation display unit of the passbook issuing device of the eighth embodiment. [Diagram 30] FIG. 13 is a configuration diagram showing the configuration of a transaction system according to a sixth embodiment and the internal configuration of a transaction device. [Diagram 31]A sequence diagram showing processing operations in a trading system related to a sixth embodiment. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0021] (A) First embodiment Hereinafter, a first embodiment of a transaction device, a transaction program, and a passbook issuing device according to the present invention will be described in detail with reference to the drawings.

[0022] (A-1) Configuration of the First Embodiment [External configuration of transaction device] FIG. 1 is an external configuration diagram showing the external configuration of a transaction device according to a first embodiment.

[0023] In FIG. 1, a transaction device 10 has a housing 11, a passbook slot 12, a card slot 13, a statement slot 14, a bill slot 15, a coin slot 16, and an operation display unit 17.

[0024] The transaction device 10 performs a predetermined transaction by customer operation. Here, the transaction device 10 is assumed to be an ATM (Automatic Teller Machine) installed in, for example, a financial institution's branch, a retail store such as a convenience store, a train station, an airport, etc.

[0025] The passbook slot 12 is a section that accepts and returns (ejects) paper passbooks (hereinafter simply referred to as "passbooks").

[0026] The card slot 13 is a section for accepting and returning (ejecting) cards such as cash cards or credit cards used in transactions. The statement slot 14 is a section for ejecting statement sheets on which information about the transaction is printed.

[0027] The banknote slot 15 is a portion for accepting and discharging banknotes related to a transaction. The coin slot 16 is a portion for accepting and discharging coins related to a transaction.

[0028] The operation display unit 17 is, for example, a display having a touch panel function. The operation display unit 17 displays, for example, a transaction selection menu screen (hereinafter, also referred to as a "customer waiting screen") and a screen for proceeding with a selected transaction, and also accepts input operations by the customer. Here, the case where the operation display unit 17 is a touch panel type display is illustrated, but is not limited to this, and may include, for example, physical buttons or a separately provided display (auxiliary display unit, etc.).

[0029] [Internal structure of trading device] FIG. 2 is a configuration diagram showing the configuration of the transaction system according to the first embodiment and the internal configuration of the transaction device 10. As shown in FIG.

[0030] In FIG. 2, the transaction device 10 includes a control unit 1, a passbook processing unit 2, a card processing unit 3, a statement processing unit 4, a banknote deposit / withdrawal unit 5, a coin deposit / withdrawal unit 6, a memory unit 7, and a communication unit 8.

[0031] The configuration of the transaction device 10 is not limited to the configuration illustrated in FIG. 1, and may include a two-dimensional code reading unit for optically or magnetically reading a two-dimensional code such as a QR code (registered trademark). The transaction device 10 may also include a short-distance wireless communication unit such as NFC (Near Field Communication) or Bluetooth (registered trademark) for short-distance wireless communication with a customer's mobile terminal (e.g., a smartphone). The transaction device 10 may also include a human sensor or a sensor that detects the contact of the customer's hand with the operation display unit 17 to detect the presence of the customer. The transaction device 10 may also include an imaging unit (e.g., a camera) that captures the face, hands, etc. of the customer. The transaction device 10 may also include an optical character recognition (OCR) means for reading an image of one side of a document and processing the transaction.

[0032] (Control unit, memory unit) The control unit 1 is a processing unit or device that controls various functions of the trading device 10. The control unit 1 has, for example, a CPU, a ROM, a RAM, an EEPROM, an input / output interface, and the control unit 1 executes a processing program (for example, a trading program related to various transactions, etc.), thereby realizing various functions in the trading device 10.

[0033] The control unit 1 performs predetermined transaction processing such as withdrawal transactions of cash (banknotes and coins), deposit transactions of cash to a customer's account, transfer transactions such as transfers from a customer's account to a designated account or cash transfers, and balance inquiries.

[0034] The control unit 1 also performs a "passbook / non-passbook switching transaction" for switching a customer's open account to an account that does not issue a paper passbook (hereinafter also referred to as a "non-passbook account") or to an account that issues a paper passbook (hereinafter also referred to as an "account with passbook"). More specifically, the "passbook / non-passbook switching transaction" is a transaction process related to account switching that switches to a non-passbook account or switches back from a non-passbook account to an account with passbook, through a customer's operation on the transaction device 10.

[0035] Generally, a customer opens an account at a counter of a financial institution or the like. In particular, when a customer who has switched to an account without a passbook wishes to switch back to an account with a passbook, this has traditionally been a procedure that has been carried out at the counter, but according to this embodiment, the account can be switched by the customer's operation on the transaction device 10. As a result, the burden on counter operations is also reduced. A detailed explanation of the passbook presence / absence switching transaction in the first embodiment will be given in the section on operation.

[0036] The storage unit 7 stores a processing program relating to a transaction, data necessary for processing by the control unit 1, and information relating to the transaction obtained by the processing by the control unit 1.

[0037] (Communications Department) The communication unit 8 transmits and receives information including transaction messages to and from the host server 20 via the network NT. The communication control (communication protocol) via the network NT is not particularly limited, and the Internet Protocol (IP) or the like can be applied.

[0038] (Bankbook Processing Unit) The passbook processing unit 2 reads passbook information from a recording medium (e.g., a magnetic stripe) attached to a passbook inserted through the passbook slot 12 and provides the information to the control unit 1, or records transaction-related accounting information in the passbook and ejects it from the passbook slot 12.

[0039] (Card processing unit) The card processing unit 3 reads card information from a recording medium (e.g., an IC chip, a magnetic stripe, etc.) attached to a card (e.g., a cash card, a credit card, etc.) inserted through the card slot 13 and provides the card information to the control unit 1, and also ejects the card from the card slot after the transaction is completed.

[0040] (Details processing unit) The receipt processor 4 prints transaction information on a medium (such as paper) and discharges the receipt from the receipt outlet 14. The receipt processor 4 prints information such as the transaction date, transaction type, transaction amount, and balance.

[0041] (Banknote deposit and withdrawal section) During the deposit process, the banknote deposit / withdrawal unit 5 performs authenticity verification and counting of banknotes inserted from the banknote deposit / withdrawal port 15, and transports the banknotes to a cassette for each denomination. During the withdrawal process, the banknotes to be withdrawn are fed from the cassette for each denomination and discharged from the banknote deposit / withdrawal port 15.

[0042] (Coin deposit and withdrawal section) During the deposit process, the coin deposit / withdrawal unit 6 performs authenticity verification and counting of coins inserted through the coin deposit / withdrawal port 16, and transports the coins to a cassette for each denomination. During the withdrawal process, the coins to be withdrawn are fed from the cassette for each denomination and discharged from the coin deposit / withdrawal port 16.

[0043] (host server, storage device) Host server 20 is an accounting system host server that is connected to network NT and performs predetermined transaction processing such as deposit processing, withdrawal processing, etc. Host server 20 is connected to a plurality of transaction devices 10 through network NT and communicates with each transaction device 10. Host server 20 also manages storage device 21.

[0044] The storage device 21 stores customer information that is associated with customer account information, user information, etc. The account information includes, for example, the account holder, financial institution, branch name, account number, deposit amount (balance information), a passbook presence / absence flag indicating whether the account is an account without a passbook or an account with a passbook, a flag indicating whether the account has been switched to a web passbook, a PIN number, and unentered information indicating that no entries have been made in the passbook.

[0045] The bookkeeping information or unbookkeeping information includes, for example, the transaction date, transaction type, transaction amount, balance, etc. Furthermore, the user information includes personal information such as the customer's name, address, telephone number, and account information for websites of financial institutions, etc. The account information is information required for registration, and includes, for example, login information for logging in to websites (e.g., ID number, password, etc.), information required for identity authentication, email address, etc.

[0046] (A-2) Operation of the First Embodiment Next, the processing operation of the passbook presence / absence switching transaction in the transaction device 10 according to the first embodiment will be described in detail with reference to the drawings.

[0047] FIG. 3 is a flowchart showing the process of a passbook presence / absence switching transaction in the transaction device 10 according to the first embodiment.

[0048] In the first embodiment, an example is given of a case where a customer who has a passbook performs a process (transaction process) to switch to a WEB passbook as a new transaction on a transaction device installed in a financial institution or the like. That is, an example is given of a case where a "WEB passbook switching transaction" that enables switching to a WEB passbook is performed among the passbook presence / absence switching transactions. Note that, although the term "WEB passbook" is used in this embodiment, it is not limited to this name, and for example, a web passbook, a digital passbook, an internet passbook, an ECO passbook, a smart passbook, a smartphone passbook, a smart passbook, a passbook-less, an internet passbook, or a passbook-less passbook may also be used.

[0049] Here, the "WEB passbook switching transaction" refers to a transaction process that switches to a non-passbook account (passbook-less account) for which a passbook is not issued, and also accesses the website of a financial institution, etc. via a network to set up a WEB passbook that allows the user to view and confirm accounting information related to past transactions in a WEB browser. Switching from a paper passbook to a WEB passbook can be done on the transaction device 10, which is convenient for customers and reduces the burden of counter work for employees of the financial institution, etc.

[0050] [S101] First, in the transaction device 10, a customer waiting screen (transaction selection menu screen) is displayed on the operation display unit 17 under the control of the control unit 1 (S101).

[0051] 4A and 4B are diagrams showing screens displayed on the operation display unit 17 of the transaction device 10 of the first embodiment. As shown in FIG. 4A, a transaction selection menu screen 500 has a "Web passbook switch" button 501 for setting a Web passbook, in addition to existing transaction selection buttons 502.

[0052] The control unit 1 determines the selection button selected by the customer on the transaction selection menu screen 500 of the operation display unit 17. When any of the existing transaction selection buttons 502 is selected, the selected transaction is carried out.

[0053] [S102~S104] Furthermore, when the customer selects the "WEB passbook switching" button 501 on the transaction selection menu screen 500 in Fig. 4(A) (S102), a screen (passbook insertion screen: see Fig. 4(B)) prompting the customer to insert a passbook is displayed on the operation display unit 17, and the customer inserts the passbook into the passbook slot 12 (S104). Note that in this embodiment, after the passbook is inserted, the customer may input a PIN number, or, for example, a card, which will be described later, may be inserted instead of the passbook, and in such a case, when the passbook is later inserted, information 601, which will be described later, is printed on the passbook.

[0054] When the passbook processing unit 2 detects that a passbook has been inserted, it reads the passbook information stored in a recording medium (for example, a magnetic stripe MS) attached to the inserted passbook.

[0055] Here, when the "Web passbook switching" button 501 is selected on the operation display unit 17, a screen prompting the customer to insert a card or input a PIN number may be displayed, and the customer may insert the card or input the PIN number (S103). In this case, the card processing unit 3 reads the card information stored in a recording medium such as an IC chip or magnetic stripe attached to the card inserted through the card slot 13, and provides the card information to the control unit 1. Here, the card information includes the name of the financial institution, the branch name, the account number, the name of the account holder, etc.

[0056] [S105] The control unit 1 generates a message (hereinafter also referred to as a "WEB passbook switching message") including information requesting setting (switching) to the WEB passbook and passbook information, and sends it to the host server 20 (S105).

[0057] More specifically, the Web passbook switching message includes, for example, information indicating that the customer has applied for an account without a passbook, information indicating switching to a Web passbook, passbook information, etc. The passbook information may include, for example, information on the financial institution, branch name, account holder, etc.

[0058] The Web passbook switching message includes information for identifying the customer's account information, but this is not limited to passbook information and may include other information such as card information and PIN number. When other information is required when setting up the Web passbook, the transaction device 10 may request the customer to input the necessary information, and the input information may be included in the message.

[0059] In addition, when communication between the transaction device 10 and the host server 20 is started, a screen showing that switching to the WEB passbook is in progress as shown in FIG.

[0060] Based on the WEB passbook switching message from the transaction device 10, the host server 20 switches the customer's account to a non-passbook account for which a paper passbook is not issued, and sets up a WEB passbook that allows the customer's account information to be viewed on the website of a financial institution, etc.

[0061] Here, when the account information of the customer includes unposted information, the host server 20 returns a response message including the unposted information to the transaction device 10. "Unposted information" is transaction information of transactions performed by the customer before the transaction date of the WEB passbook switching transaction, for which posting to the passbook has not yet been performed.

[0062] Also, if there is a large amount of unposted information, including the unposted information in the response message will increase the amount of communication, affecting traffic and taking time to post to the passbook. Therefore, it is possible to include in the response message only unposted information from a specified period, such as six months or one year ago from the transaction date, or a specified number of unposted information.

[0063] [S106~S108] When the transaction device 10 receives a response message from the host server 20 (S106), the control unit 1 judges whether or not the response message from the host server 20 includes non-entry information (S107). If non-entry information is present (S107 / YES), a screen indicating that the entry information is being entered in the passbook is displayed on the operation display unit 17 (FIG. 4(C)), and the passbook processing unit 2 prints the entry information in the passbook (S108). On the other hand, if non-entry information is not present (S107 / NO), the process proceeds to S109.

[0064] [S109~S110] The passbook processing unit 2 prints WEB passbook switching information indicating that switching to the WEB passbook has been completed on the passbook (S109). Furthermore, the passbook processing unit 2 may clear the recording medium (e.g., the magnetic stripe MS) of the passbook (e.g., degauss the magnetic stripe) to disable transactions using the passbook (S110).

[0065] FIG. 5 is a diagram showing the configuration of the WEB passbook switching information printed on the passbook in the first embodiment.

[0066] The Web passbook switched information illustrated in FIG. 5A is an example of a case where information 601 stating “Web passbook switched” is printed in a line below the last line in which transaction information is entered in a passbook 600. The printing position of this information 601 is not limited as long as it is after the last line of the accounting information entered in the passbook, and it may be the line next to the last line, the line next to the last line and one blank line, the last line at the bottom of the passbook page, etc. Also, although the information 601 illustrated in Fig. 5(A) only has the character string "WEB passbook switched", it may also have date and time information of the transaction date when the WEB passbook switching transaction was carried out.

[0067] The WEB passbook switching information shown in Fig. 5(B) is an example of a case where the transaction is recorded in the passbook as accounting information. In other words, information 602 is recorded in the passbook as accounting information for the WEB passbook switching transaction. In this case, since no transaction amount is generated, an asterisk (*) or the like is used.

[0068] [S111~S112] In the transaction device 10, for example, the screen in Fig. 4(D) is displayed on the operation display unit 17, the medium such as the passbook or card is returned (S111), and the transaction is completed. After that, in order to accept the next transaction, a customer waiting screen is displayed on the operation display unit 17 (S112).

[0069] (A-3) Effects of the First Embodiment As described above, according to the first embodiment, it becomes possible to switch to a web passbook in a transaction device installed in a financial institution or the like.

[0070] (B) Second embodiment Next, a second embodiment of the transaction device, transaction program, and passbook issuing device according to the present invention will be described with reference to the drawings.

[0071] The second embodiment illustrates a case where a customer who has a passbook switches to a web passbook when using the passbook to carry out another transaction (withdrawal transaction, deposit transaction, etc.).

[0072] (B-1) Configuration and operation of the second embodiment The configuration of the transaction device 10 of the second embodiment is basically the same as that of the first embodiment shown in Figures 1 and 2. Therefore, the second embodiment will be described with reference to Figures 1 and 2.

[0073] FIG. 6 is a flowchart showing the process of a passbook presence / absence switching transaction in the transaction device 10 according to the second embodiment.

[0074] The following describes an example in which a customer performs a process of switching to a web passbook when making a withdrawal transaction on the transaction device 10. The transaction made by the customer is not limited to a withdrawal, and may be another transaction such as a deposit or transfer.

[0075] [S101, S201] In the transaction device 10, a customer waiting screen (transaction selection menu screen) is displayed on the operation display unit 17 under the control of the control unit 1 (S101). For example, on the transaction selection menu screen 500 illustrated in FIG. 7(A), the customer selects the "Withdrawal" button (S201).

[0076] [S202~S207] An existing withdrawal transaction is carried out in the transaction device 10. For example, a screen prompting the customer to insert a card and / or a passbook is displayed on the operation display unit 17, and in response, the customer inserts a card into the card slot 13 and / or a passbook into the passbook slot 12 (S202).

[0077] When the card processing unit 3 detects the insertion of a card, the card information stored in the recording medium of the card is read, and the card information is provided to the control unit 1. When the passbook processing unit 2 detects the insertion of a passbook, the passbook information is read from the recording medium of the passbook, and the passbook information is provided to the control unit 1.

[0078] A screen for inputting a PIN is displayed on the operation and display unit 17, and the customer inputs a PIN on the input screen (S203).

[0079] Furthermore, an input screen for inputting the withdrawal amount relating to the withdrawal transaction is displayed on the operation display unit 17, and the customer inputs the withdrawal amount on the input screen (S204).

[0080] The control unit 1 creates a message including transaction information related to the withdrawal transaction, and transmits the message to the host server 20 (S205). For example, the message includes the name of the financial institution, the branch name, the account holder, the account number, the transaction type (information indicating "withdrawal" in this example), the transaction amount, etc.

[0081] The host server 20 performs the withdrawal transaction process based on the information contained in the received message, and returns a response message to the transaction device 10 .

[0082] At this time, the host server 20 may refer to the customer's transaction history in the memory device 21, determine whether the customer is able to switch to a WEB passbook, and return the result of the determination (i.e., information indicating whether or not switching to a WEB passbook is possible) to the transaction device 10 in a response message.

[0083] Here, various criteria and methods can be applied to determine whether or not switching to a web passbook is possible, and it is determined that switching to a web passbook is not possible when a procedure needs to be completed at a financial institution or other counter.

[0084] For example, in cases where a customer has held multiple accounts over many years, which requires multiple complicated procedures and switching to a non-passbook account or a web passbook is only possible by completing the procedures at a financial institution's counter, it may be determined that switching to a web passbook is not possible.

[0085] On the other hand, for example, when an application for account information on a financial institution's website has already been completed, but switching to a non-passbook account (passbook-less) or a web passbook has not been set up and the customer continues to use an account with a passbook, it may be determined that switching to a web passbook is possible.

[0086] When the transaction device 10 receives the response message from the host server 20 (S205), it performs transaction processing. For example, the transaction device 10 counts the amount of cash to be withdrawn for the withdrawal transaction and withdraws the cash (S206). In addition, the passbook processing unit 2 prints accounting information based on the current transaction information in the passbook (S207).

[0087] [S208, S209] The transaction device 10 judges whether or not it is possible to switch to the Web passbook based on the judgment result indicating whether or not it is possible to switch to the Web passbook, which is included in the response message received from the host server 20 (S208).

[0088] When switching to a WEB passbook is possible (S208 / YES), a WEB passbook switching confirmation screen 510 as shown in FIG. 7(B) is displayed on the operation display unit 17 to confirm with the customer whether or not to switch to a WEB passbook (S209).

[0089] On the other hand, if switching to the WEB passbook is not possible (S208 / NO), the process proceeds to S215, the medium is returned (S215), the process ends, and a customer waiting screen is displayed on the operation display unit 17 for the next transaction (S216).

[0090] [S210] When the customer wishes to switch to the Web passbook, the customer selects the "Confirm" button 511 on the Web passbook switching confirmation screen 510 in FIG. 7(B) (S210 / YES), and the process proceeds to S211.

[0091] On the other hand, if the customer does not wish to switch to the WEB passbook, the customer selects the "Cancel" button 512 on the WEB passbook switching confirmation screen 510 in Figure 7 (B) (S210 / NO), the process moves to S215, the medium is returned (S215), the process ends, and a customer waiting screen is displayed on the operation display unit 17 for the next transaction (S216).

[0092] [S211] When the customer selects the "Confirm" button 511 on the WEB passbook switching confirmation screen 510 in Figure 7 (B), the control unit 1 generates a message (WEB passbook switching message) including information requesting switching to the WEB passbook and passbook information, and sends it to the host server 20 (S211).

[0093] When communication between the transaction device 10 and the host server 20 is started, a screen showing that switching to the WEB passbook is in progress as shown in FIG.

[0094] Host server 20, which has received the WEB passbook switching message, switches the customer's account to a non-passbook account for which a paper passbook is not issued, based on the WEB passbook switching message, as in the first embodiment, and sets up the WEB passbook to enable the browsing of accounting information on the website of the financial institution, etc. Then, host server 20 returns a response message to the transaction device.

[0095] [S212~S214] When the transaction device 10 receives a response message from the host server 20 (S212), under the control of the control unit 1, the passbook processing unit 2 prints, on the passbook, WEB passbook switching information indicating that switching to the WEB passbook has been completed (S213). Furthermore, the passbook processing unit 2 may clear (e.g., degauss) the recording medium (magnetic stripe MS) of the passbook to disable transactions using the passbook (S214).

[0096] [S215~S216] In the transaction device 10, for example, a screen shown in Fig. 7(D) is displayed on the operation display unit 17, the medium such as the passbook or card is returned (S215), and the transaction is completed. After that, a customer waiting screen is displayed on the operation display unit 17 to accept the next transaction (S216).

[0097] (B-2) Effects of the Second Embodiment According to the second embodiment, it has become possible to switch to a web passbook when a transaction is completed at an ATM (automated teller machine) installed in a financial institution or the like.

[0098] (C) Third embodiment Next, a third embodiment of a transaction device, a transaction program, and a passbook issuing device according to the present invention will be described with reference to the drawings.

[0099] The third embodiment illustrates a case where a customer who has switched to a web passbook wishes to switch back to a paper passbook, and then the customer is prompted to switch back to a paper passbook.

[0100] (C-1) Configuration and operation of the third embodiment The configuration of the transaction device 10 of the third embodiment is basically the same as that of the first and second embodiments shown in Figures 1 and 2. Therefore, the third embodiment will also be described with reference to Figures 1 and 2.

[0101] FIG. 8 is a flowchart showing the process of a passbook presence / absence switching transaction in the transaction device 10 according to the third embodiment.

[0102] [S101] In the transaction device 10, a customer waiting screen (transaction selection menu screen) is displayed on the operation display unit 17 under the control of the control unit 1 (S101).

[0103] For example, the transaction selection menu screen 500 illustrated in FIG. 9(A) has a “Revert to existing passbook (paper passbook)” button 506 for performing a transaction of reverting to a paper passbook (also referred to here as an “existing passbook”).

[0104] [S301, S302] When the customer selects the "Return existing passbook" button 506 on the transaction selection menu screen 500 in Fig. 9 (A) (S301), a screen (card insertion screen) prompting the customer to insert a card is displayed on the operation display unit 17, and the customer inserts the card into the card slot 13 (S302). The card information read by the card processing unit 3 is provided to the control unit 1.

[0105] Furthermore, a screen for inputting a PIN is displayed on the operation and display unit 17, and the customer inputs a PIN on the input screen (S303). The input PIN is provided to the control unit 1.

[0106] [S304, S305] In the transaction device 10, an existing passbook reversion confirmation screen 520 as shown in FIG. 9(B) is displayed on the operation display unit 17 (S304), and when the customer wishes to revert to an existing passbook, the customer selects the “Confirm” button 521 on the existing passbook reversion confirmation screen 520 (S305 / YES), and processing proceeds to S305.

[0107] When switching back to a paper passbook, fees such as tax and a passbook issuance fee are incurred, so as shown in Existing Passbook Switching Back Confirmation Screen 520 in Fig. 9(B), the customer is informed of the fees that will be incurred and asked to confirm switching back to a paper passbook. The fee for switching back to a paper passbook may be debited from the customer's account. Alternatively, the fee may be collected from the customer individually in the switching back transaction, debited from the customer's account at a predetermined time such as the end of the month, or the method of collecting the fee may be selected by the customer.

[0108] On the other hand, when the customer does not want to switch back to the existing passbook, the customer selects the "Cancel" button 522 on the existing passbook switch back confirmation screen 520 (S305 / NO), the process moves to S309, the medium is returned (S309), the process ends, and a customer waiting screen is displayed on the operation display unit 17 for the next transaction (S310).

[0109] [S306] When the customer selects the "Confirm" button 521 on the existing passbook reversion confirmation screen 520 in Figure 9 (B), the control unit 1 generates a message (existing passbook reversion message) including information indicating a request for reversion to an existing passbook, card information, PIN number, etc., and sends it to the host server 20 (S306).

[0110] When communication between the transaction device 10 and the host server 20 is started, the operation display unit 17 may display a screen showing that the process of switching back to the existing passbook is in progress, as shown in FIG. 9(C).

[0111] Host server 20, which has received the existing passbook reversal message, performs a process to switch the customer's account to an account with a passbook for which a paper passbook will be issued, based on the received existing passbook reversal message. Host server 20 then returns a response message including the customer's account information to the transaction device. Account information related to the reversal to an existing account includes, for example, the name of the financial institution, the branch name, the account holder's name, the account number, and the account balance.

[0112] [S307, S308] When the transaction device 10 receives a response message from the host server 20 (S307), the passbook processing unit 2 records information related to the passbook information on the passbook recording medium (e.g., a magnetic stripe) and issues a passbook under the control of the control unit 1 (S308). While the passbook is being issued, a passbook issuance processing screen 523 as shown in FIG. 9(D) may be displayed on the operation display unit 17.

[0113] The passbook processing unit 2 prints the branch name, account number, account holder's name, etc. on the front and back covers of the passbook, and also prints the account balance amount, etc. on the first page of the passbook.

[0114] At this time, in order to clarify that the passbook is being issued for a passbook reversal and not for the opening of a new account, the passbook processing unit 2 may print information 603 indicating that the passbook is being reversal to an existing passbook (for example, "passbook reversal" in the example of FIG. 10(A)) on the cover surface of the passbook as shown in FIG. 10(A). When printing on the passbook, the passbook processing unit 2 may print information indicating that the transaction type is "passbook reversal" on the first page of the passbook, as shown in information 604 in FIG. 10(B), and may also print the transaction date ("yy-mm-dd") and the account balance.

[0115] [S309~S310] In the transaction device 10, for example, the screen shown in Fig. 7(D) of the second embodiment is displayed on the operation display unit 17, the medium such as the passbook or the card is returned (S309), and the transaction is completed. After that, in order to accept the next transaction, a customer waiting screen is displayed on the operation display unit 17 (S310).

[0116] (C-2) Effects of the Third Embodiment As described above, according to the third embodiment, a transaction device installed in a financial institution or the like can revert to an existing paper passbook.

[0117] (D) Fourth embodiment Next, a fourth embodiment of the transaction device, transaction program, and passbook issuing device according to the present invention will be described with reference to the drawings.

[0118] The fourth embodiment illustrates a case where a customer who does not have a passbook performs a process of switching to a WEB passbook (transaction process) as a new transaction on a transaction device.

[0119] (D-1) Configuration and operation of the fourth embodiment The configuration of the transaction device 10 of the fourth embodiment is basically the same as that of the first to third embodiments shown in Fig. 1 and Fig. 2. Therefore, the fourth embodiment will also be described with reference to Fig. 1 and Fig. 2.

[0120] FIG. 11 is a flowchart showing the process of a passbook presence / absence switching transaction in the transaction device 10 according to the fourth embodiment.

[0121] [S101] In the transaction device 10, under the control of the control unit 1, a customer waiting screen (the transaction selection menu screen in FIG. 12(A)) is displayed on the operation display unit 17 (S101).

[0122] [S401~S403] When the customer selects the "WEB passbook switch" button 501 on the transaction selection menu screen 500 in Fig. 12(A) (S401), a screen (card insertion screen) prompting the customer to insert a card is displayed on the operation display unit 17, and the customer inserts the card into the card slot 13 (S402). The card information read by the card processing unit 3 is provided to the control unit 1.

[0123] Furthermore, a screen for inputting a PIN is displayed on the operation display unit 17, and the customer inputs a PIN on the input screen (S403). The input PIN is provided to the control unit 1.

[0124] [S404, S405] When the control unit 1 detects that a card has been inserted and a PIN number has been entered without inserting a passbook after the "WEB passbook switching" button 501 is selected on the transaction selection menu screen 500 in Fig. 12(A), the control unit 1 determines to perform a WEB passbook switching transaction process without a passbook. When the control unit 1 determines as such, it displays a WEB passbook switching confirmation screen 510, as shown in Fig. 12(B), on the operation display unit 17 (S404).

[0125] When the customer wishes to switch to the Web passbook, the customer selects the "Confirm" button 511 on the Web passbook switching confirmation screen 510 (S405 / YES), and the process proceeds to S406.

[0126] On the other hand, if the customer does not wish to switch to the Web passbook, the customer selects the "Cancel" button 512 on the Web passbook switching confirmation screen 510 (S405 / NO), and the process proceeds to S408.

[0127] [S406] When the customer selects the "Confirm" button 511 on the WEB passbook switching confirmation screen 510 in Figure 12 (B), the control unit 1 generates a message (WEB passbook switching message without passbook) including information indicating a request to switch to a WEB passbook, card information, PIN number, etc., and sends it to the host server 20 (S406).

[0128] When communication between the transaction device 10 and the host server 20 is started, a screen showing that switching to the WEB passbook is in progress as shown in FIG.

[0129] Host server 20, which has received the no-passbook WEB passbook switching message, switches the customer's account to a no-passbook account and sets up a WEB passbook based on the received no-passbook WEB passbook switching message. After setting up the WEB passbook, host server 20 returns a response message to transaction device 10.

[0130] [S407~S409] When the transaction device 10 receives a response message from the host server 20 (S407), the control unit 1 displays the screen 515 of Fig. 12(D) on the operation display unit 17, notifies the customer that the switch to the WEB passbook has been completed, and the passbook, card, and other media are returned (S408), completing the transaction. After that, a customer waiting screen is displayed on the operation display unit 17 to accept the next transaction (S409).

[0131] (D-3) Effects of the Fourth Embodiment As described above, according to the fourth embodiment, in a transaction device installed in a financial institution or the like, it is possible to switch to a Web passbook even when a passbook is not used.

[0132] (E) Fifth embodiment Next, a fifth embodiment of a transaction device, a transaction program, and a passbook issuing device according to the present invention will be described with reference to the drawings.

[0133] [Basic concept] For example, customers can view and check their online passbooks using information processing terminals equipped with application software for Internet banking and financial transactions, but the need for passbooks remains strong, and there is a desire to record transaction histories in passbooks.

[0134] Even in the past, it was possible to print out the transaction history viewed in a web passbook, but after switching to a passbook-less account, paper passbooks are generally not issued, so the transaction history cannot be printed on the passbook, which can be said to be one of the reasons why the move away from passbooks has not progressed.

[0135] Therefore, in the fifth embodiment, for customers who can view their transaction history on a web passbook using Internet banking or transaction application software installed on an information processing terminal, the transaction history can be printed on the passbook.

[0136] (E-2) Configuration of the fifth embodiment FIG. 13 is a diagram showing the overall configuration of a trading system according to the fifth embodiment.

[0137] 13, a transaction system 9 according to the fifth embodiment includes an information processing terminal 30, a host server 20, a server 40 that manages websites of financial institutions and the like, and a passbook issuing device 90.

[0138] (Information processing device) The information processing terminal 30 accesses the websites of financial institutions, etc. via the network NT to receive services provided by the financial institutions, etc., and exchanges information with the financial institution's server 40 (host server 20, etc.) to carry out specified transaction processing.

[0139] The information processing terminal 30, like existing information processing terminals, is configured to include a control unit, an external storage device, a communication device, a display unit, an operation unit, etc., and may be, for example, a smartphone, a tablet terminal, a personal computer, etc.

[0140] In the fifth embodiment, it is assumed that application software (transaction program) for executing financial transactions and the like is installed in the information processing terminal 30.

[0141] Here, the application software (transaction program) is software that transmits and receives information to and from the server 40 via the network NT, and performs services provided by financial institutions, etc., various transaction processes such as money transfer transactions and transfer transactions, and viewing and checking transaction history in the WEB passbook, etc. The functions of the application software installed in the information processing terminal 30 will be described in detail in the section on operation.

[0142] In the fifth embodiment, an example is described in which the information processing terminal 30 has application software installed; however, the information processing terminal 30 may not have application software installed and access the website of a financial institution or the like via Internet banking.

[0143] (host server, storage device) Host server 20 is an accounting system host server that is connected to network NT and performs predetermined transaction processing. Host server 20 transmits and receives information via network NT to and from server 40 that provides various services for financial institutions. Host server 20 manages storage device 21.

[0144] The storage device 21 stores customer information 211 of customers who have opened accounts.

[0145] Fig. 14 is a diagram showing an example of the configuration of customer information 211 stored in storage device 21 according to the fifth embodiment. As shown in Fig. 14, customer information 211 has items such as user identification information, branch name, account number, account holder name, address, telephone number, date of birth, PIN number, transaction history information, etc. Furthermore, the transaction history information has items such as transaction date and time, transaction type, transaction amount, etc.

[0146] The user identification information is information for identifying a customer, and is information for linking registration information 411 on server 40 side with customer information 211 on host server 20 side as information on a specific customer.

[0147] In addition, if it is possible to associate registration information 411 with customer information 211 as information relating to a specific customer, user identification information is not required, and instead of user identification information, for example, a branch number, an account number, the name of the account holder, etc. may be used.

[0148] Furthermore, the items of customer information 211 are not limited to those shown in FIG. 14, and any information required for communication between host server 20 and server 40 may be stored.

[0149] (Server, registration information DB) Server 40 is connected to host server 20, information processing terminal 30, and passbook issuing device 90 via a network NT such as the Internet. The hardware of server 40 includes a control device, an external storage device, a communication device, etc., similar to existing servers.

[0150] The server 40 manages logins from the information processing terminal 30 to the financial institution's website by referring to the registration information (account information) 411 stored in the registration information DB 41, and after login, receives a request from the accessed information processing terminal 30 and provides the financial institution's services, transaction processing, etc. to the customer.

[0151] The registration information DB 41 stores registration information 411 of customers who use internet banking and application software.

[0152] Fig. 15 is a diagram showing an example of the configuration of registration information 411 according to the fifth embodiment. As shown in Fig. 15, the registration information 411 includes, for example, a login ID and password as login information for a financial institution's website, user identification information, name, branch number, account number, address, telephone number, date of birth, email address, etc. Note that the registration information 411 is not limited to the items in Fig. 15 and may include other information.

[0153] The functions of server 40 include the various services provided by financial institutions as described above, and the function of processing transactions (e.g., transfers, money transfers, etc.), as well as a history generation notification unit 401, a WEB passbook information notification unit 402, a passbook issue number setting unit 403, and a history information notification unit 404.

[0154] (History occurrence notification section) When history occurrence notifying section 401 receives a transaction occurrence notification from host server 20 regarding a customer account, it notifies information processing terminal 30 of the customer of the history occurrence.

[0155] Here, when a transaction occurs with respect to a customer account managed by host server 20, host server 20 notifies server 40 that a transaction has occurred with respect to that customer account. That is, for example, when a customer carries out a transaction using a transaction device (e.g., an ATM) of a financial institution or the like, Internet banking, or application software, the transaction information is stored in host server 20 (and storage device 21) and a transaction history is generated. In this way, when a transaction history is generated on the host server 20 side, host server 20 notifies server 40 that a transaction has occurred with respect to that customer account.

[0156] The "transaction occurrence notification" includes information indicating that a transaction has occurred and information about the transaction that has occurred, such as branch number, account number, name, transaction date and time, transaction type, transaction amount, account balance, etc.

[0157] When history occurrence notifying section 401 of server 40 receives a transaction occurrence notification from host server 20, it sends a history occurrence notification to information processing terminal 30 of the customer to notify the customer that transaction history information has been generated.

[0158] The "history occurrence notice" includes the contents of the transaction information that occurred on the host server 20 side, such as the branch number, account number, name, transaction date and time, transaction type, transaction amount, account balance, and the like.

[0159] The destination of the history occurrence notification is registered in the registration information DB 411, and may be, for example, a push notification of application software, or may be sent to the customer's email address registered in the registration information DB 411. In the fifth embodiment, a case where a push notification of application software is sent will be exemplified.

[0160] (WEB passbook information notification department) When WEB passbook information notification unit 402 receives a request (request to view) for transaction history information recorded in the WEB passbook from information processing terminal 30 after logging in to the financial institution's website, it makes a request for transaction history information to host server 20. The request for transaction history information includes information for identifying the customer (e.g., user identification information, account number, etc.).

[0161] Then, in host server 20, the transaction history information of the requested customer account is searched for, and the transaction history information of the customer account is provided to Web passbook information notification unit 402. Web passbook information notification unit 402 notifies the requesting information processing terminal 30 of the transaction history information relating to the customer account.

[0162] (Passbook issue number setting section) When the passbook issue number setting unit 403 receives a passbook issuance request from the information processing terminal 30 requesting that historical information of a customer account be printed on a passbook, it issues a passbook issue number, associates the passbook issue number with the transaction history information regarding the customer account, and stores the passbook issue number in correspondence with the transaction history information of the customer account.

[0163] In addition, the passbook issue number setting unit 403 notifies the information processing terminal 30 of the passbook issue number associated with the transaction history information regarding the customer account.

[0164] (History information notification section) When the history information notification unit 404 receives a passbook issue number for printing the transaction history information of a customer account on a passbook from the passbook issuing device 50, it searches for the transaction history information of the customer account corresponding to the passbook issue number and notifies the passbook issuing device 50 of the transaction history information of the searched customer account.

[0165] (Passbook issuing device) The passbook issuing device 90 prints, on a passbook, transaction history information of a customer account corresponding to a passbook issue number issued by the server 40, and issues the passbook.

[0166] The passbook issuing device 90 includes a passbook issue number acquiring unit 901 , a history information acquiring unit 902 , and a passbook issuing unit 903 .

[0167] (Passbook Issue Number Acquisition Department) The passbook issue number acquisition unit 901 acquires the passbook issue number issued by the server 40 .

[0168] The passbook issue number acquisition unit 901 may acquire the passbook issue number by, for example, the customer using a numeric keypad or the like. Also, for example, when the passbook issue number is a two-dimensional code, the passbook issue number may be acquired by reading the two-dimensional code displayed on the display unit of the information processing terminal 30 using a two-dimensional code reader or the like. Furthermore, the passbook issue number may be acquired by receiving information including the passbook issue number between the information processing terminal 30 and the passbook issue number via short-range wireless communication or the like.

[0169] (History information acquisition section) The history information acquisition unit 902 sends a history information acquisition request including the acquired passbook issue number to the server 40, and acquires transaction history information for the customer account corresponding to the passbook issue number.

[0170] (Passbook Issuance Department) The passbook issuing unit 903 prints the transaction history information of the customer account acquired by the history information acquiring unit 902 on the passbook and issues the passbook.

[0171] (E-2) Operation of the Fifth Embodiment 16 and 17 are sequence diagrams showing the processing operations in the trading system 9 according to the fifth embodiment.

[0172] The following describes (1) a history occurrence notification process in which a transaction history notification is sent to the application software of the information processing terminal 30 when a transaction related to a customer account occurs, and (2) a pass issuance process in which the customer prints transaction history information related to the customer account on a passbook and issues a passbook.

[0173] [History occurrence notification processing] A customer performs transaction processing using a transaction device (for example, an ATM) installed in a financial institution or the like, Internet banking, or application software installed in an information processing terminal 30.

[0174] Here, an example is shown in which a customer processes transactions using the information processing terminal 30 on which the application software is installed. It is also assumed that when the application software is installed and set up on the information processing terminal 30, the customer has opened an account without a passbook.

[0175] [S501] When the customer operates the information processing terminal 30, the application software is started, and a login process using, for example, a login ID and a password is performed, and the application software is connected to the server 40.

[0176] When installing application software, if a login ID and a password have been set in advance, input of the login ID and the password may be omitted.

[0177] A transaction screen for performing transaction processing is displayed on the display unit of information processing terminal 30, and a customer who wishes to perform a specific transaction inputs information related to the transaction. The input information related to the transaction is transmitted to host server 20 via server 40, and host server 20 performs transaction processing based on the information related to the transaction, and the processing is completed. There is no particular limitation on the type of transaction.

[0178] [S502, S503] When a transaction is executed, transaction information related to the customer account is stored in storage device 21 on the host server 20 side (S502), and a transaction history for the customer account is generated. Host server 20 notifies server 40 of the occurrence of a transaction, including the transaction information carried out in the customer account (S503).

[0179] [S504] In server 40, when a transaction occurrence notification is received from host server 20, history occurrence notification unit 401 refers to registration information DB 41 and sends a history occurrence notification including transaction information carried out in the customer account to a pre-set notification destination (in this example, the application software of information processing terminal 30).

[0180] [S505] When the information processing terminal 30 receives the history occurrence notice from the server 40, the transaction information of the customer account included in the history occurrence notice is displayed on the display unit of the information processing terminal 30.

[0181] Fig. 18(A) is a screen diagram showing an example of a history occurrence notification screen displayed on the information processing terminal 30 of the fifth embodiment. Fig. 18(A) shows an example of a case where a history occurrence notification is pushed, and notification information 301 including "Date: yy: mm: dd" indicating the transaction date and time, "Content: Transfer" indicating the transaction type, "Amount: 50,000 yen" indicating the transaction amount, and "Balance: 200,000 yen" indicating the account balance is displayed on the screen.

[0182] As described above, when a transaction history occurs in a customer account, a history occurrence notice is sent to the information processing terminal 30. This allows the customer to grasp the account information in real time. In addition, since the customer can know whether or not an unauthorized transaction has been performed, this also serves as a security measure.

[0183] [Passbook issuing process] Here, a process will be described in which a customer who has opened an account without a passbook wishes to issue a passbook containing transaction information relating to transactions made up to the present time (up to the time of operation).

[0184] [S506] The customer operates the information processing terminal 30, the application software is started, the login process is performed, and the application software is connected to the server 40. To check the contents of the WEB passbook, the customer selects, for example, a "Deposit Account History" button (not shown) on the display screen of the information processing terminal 30. This causes a request to obtain transaction history information to be sent to the server 40.

[0185] When the request to acquire transaction history information is received in server 40, web passbook information notification section 402 makes a request to host server 20 to acquire transaction history information.

[0186] [S507] In host server 20, the transaction history information of the requested customer account is searched for (S507), and the transaction history information of the customer account is provided to Web passbook information notification unit 402. Then, Web passbook information notification unit 402 notifies the requesting information processing terminal 30 of the transaction history information relating to the customer account.

[0187] Here, the transaction history information sent by host server 20 may be the transaction history information present in the Web passbook after switching to a non-passbook account, or may be unrecorded information that has not been printed in the passbook, as described below. In the latter case, a flag may be attached to each piece of transaction information (history information) on the host server 20 side or server 40 side to determine whether the information has been printed in the passbook or has not been recorded.

[0188] [S508] When the information processing terminal 30 receives transaction history information from the server 40, it compares the number of received transaction history information (account history) items with a preset threshold value (S508), and if the number of transaction history information items is greater than or equal to the threshold value (S508 / YES), processing proceeds to S509, and if the number of transaction history information items is less than the threshold value (S508 / NO), processing proceeds to S510.

[0189] Here, the threshold value is a value for judging whether the transaction history information is accumulated and can be printed on the passbook. The threshold value may be set as a default value. Also, the threshold value may be changeable by the customer in the application software.

[0190] Even customers who have opened a non-passbook account may wish to have their passbook recorded, so if it becomes impossible to record transaction history information in a passbook, the hurdle for a non-passbook system will be high, and the spread of the non-passbook system will be hindered. Therefore, when a predetermined number of transaction history information items are accumulated, customers are notified that they can record in their passbook. In this embodiment, the condition for making entries in a passbook is not limited to the accumulation of such a predetermined number of transaction history information items, and may also be, for example, when a predetermined period of time has passed since the opening of a non-passbook account.

[0191] [S509] When the number of pieces of transaction history information is equal to or greater than a threshold value, history information without an issued key is displayed on the display unit of the information processing terminal 30.

[0192] Fig. 18(B) is a screen diagram showing an example of history information without an issued key displayed on the information processing terminal 30 of the fifth embodiment. As shown in Fig. 18(B), the display unit of the information processing terminal 30 displays transaction history information 304 of the customer account and a message 305 indicating the number of items that can be printed on the passbook.

[0193] For example, message 305 displays the difference between the threshold value and the current number of transaction history information items (i.e., the number of items remaining until entries can be made to the passbook), which makes the customer aware that entries cannot be made to the passbook at present, but will be possible once the number of transaction history items has accumulated. Some customers who have switched to a non-passbook account are worried about not being able to issue a passbook, but they can proceed with the transition to a passbook-less account with peace of mind.

[0194] [S510] When the number of pieces of transaction history information is equal to or greater than a threshold value, the history information with the issued key is displayed on the display unit of the information processing terminal 30.

[0195] Fig. 18(C) is a screen diagram showing an example of history information with an issue key displayed on the information processing terminal 30 of the fifth embodiment. As shown in Fig. 18(C), the display unit of the information processing terminal 30 displays transaction history information 304 of the customer account, a message 302 indicating that printing on the passbook is possible, and an issue key 303 for requesting the issuance of a passbook.

[0196] By displaying the message 302 informing customers that printing to a passbook is possible, it is possible to inform customers who have opened a non-passbook account that writing to a passbook is possible. In addition, the hurdle for going passbook-less is lowered, and the spread of passbook-less is expected.

[0197] [S511] When the customer selects issue key 303 on the display screen of information processing terminal 30, a passbook issue request for requesting the posting of transaction history information in the passbook is transmitted to server 40.

[0198] [S512] In the server 40, when a passbook issuance request is received, the passbook issue number setting unit 403 issues a passbook issue number, associates the passbook issue number with transaction history information regarding the customer account, and stores the passbook issue number in correspondence with the transaction history information of the customer account.

[0199] At this time, server 40 may communicate with host server 20 and associate the passbook issue number with the account information managed by host server 20.

[0200] Furthermore, the passbook issue number setting unit 403 notifies the information processing terminal 30 of the passbook issue number associated with the transaction history information regarding the customer account.

[0201] [S513] The display unit of the information processing terminal 30 displays a screen including the passbook issue number.

[0202] Fig. 18(D) is a screen diagram showing an example of a screen including a passbook issue number displayed on the information processing terminal 30 of the fifth embodiment. Fig. 18(D) illustrates an example in which a passbook issue number 306 and a two-dimensional code 307 created based on the passbook issue number are displayed on the display unit of the information processing terminal 30.

[0203] The display screen of FIG. 18(D) may be saved in the application software.

[0204] It is also possible to display only either the passbook issue number 306 or the two-dimensional code 307. When only the passbook issue number 306 is displayed, the passbook issue number can be shown to the customer, so the customer can issue a passbook with peace of mind. When only the two-dimensional code 307 is displayed, fraudulent acts such as peeking can be prevented.

[0205] [S514, S515] The customer presents the passbook issue number, and the passbook issue number acquisition unit 901 of the passbook issuing device 90 acquires the passbook issue number.

[0206] For example, if the passbook issuing device 90 is installed at a financial institution's branch, the customer may show the passbook issuing number to a clerk at the counter, and the clerk may operate the passbook issuing device 90 to input the passbook issuing number.

[0207] Furthermore, for example, if the passbook issuing device 90 is a device that can be operated by the customer, the customer may operate it to input the passbook issuing number or have the two-dimensional code 307 read by a two-dimensional code reader.

[0208] [S516~S519] In the passbook issuing device 90, the history information acquiring unit 902 transmits a history information acquisition request including the acquired passbook issue number to the server 40 (S516).

[0209] The server 40 searches for transaction history information for the customer account corresponding to the passbook issue number (S517), and transmits the searched transaction history information for the customer account to the passbook issuer 90 (S518).

[0210] In the passbook issuing device 90, the passbook issuing unit 903 records the transaction history information of the customer account acquired by the history information acquiring unit 902 in a passbook and issues the passbook (S519).

[0211] (E-3) Effects of the Fifth Embodiment As described above, according to the fifth embodiment, by making it possible to record information in a passbook once a certain number of transaction histories have been accumulated, the barrier to setting up a passbook-less account is lowered, and it is expected that passbook-less systems will become more widespread.

[0212] (F) Sixth embodiment Next, a sixth embodiment of the transaction device, transaction program, and passbook issuing device according to the present invention will be described with reference to the drawings.

[0213] [Basic concept] The sixth embodiment utilizes the basic concept described in the fifth embodiment, and links unique registration information (account) that can identify an individual customer, such as a My Number or a Google (registered trademark) account, with a host server 20 (accounting system host), and transfers unrecorded data managed by the host server 20 (accounting system host) as text data.

[0214] (F-1) Configuration of the Sixth Embodiment FIG. 30 is a diagram showing the overall configuration of a trading system according to the sixth embodiment.

[0215] In Figure 30, a trading system 9A relating to the sixth embodiment has an information processing terminal 30, a host server 20, a server 40 that manages the website of a financial institution etc., an association server 80 that associates registration information (account information) with the server 40 of the financial institution etc., and a passbook issuing device 50.

[0216] In the sixth embodiment, when logging in to the website of a server 40 of a financial institution or the like, authentication is performed using account information (registration information) that the customer has previously registered in the linked server 80, and if the authentication is successful, the server 40 allows the customer to log in to the website of the financial institution or the like.

[0217] Therefore, the system configuration of the sixth embodiment is basically the same as that of the fifth embodiment, but includes a linking server 80 that performs linking processing with a server 40 of a financial institution or the like, as shown in FIG.

[0218] (Collaboration server) The linking server 80 is a server that manages customer account information (registration information), such as a server that manages My Number, or a server operated by a platform operator or a communication carrier. The linking server 80 is connected to a registration information DB 81 and manages customer account information.

[0219] The linking server 80 has a registration information linking unit 801. The registration information linking unit 801 is accessed from the information processing terminal 30 by a customer operation, and receives a login request to a website of a financial institution or the like. The registration information linking unit 801 performs authentication using account information managed by the linking server 80, and when the authentication is successful, notifies the server 40 of the financial institution or the like of the successful authentication. The server 40 of the financial institution or the like regards the successful authentication using the account information by the linking server 80 as login to the website, and allows the information processing terminal 30 to access the website.

[0220] (F-2) Operation of the Sixth Embodiment FIG. 31 is a sequence diagram showing the processing operation in a trading system 9A according to the sixth embodiment.

[0221] The processing operations of the sixth embodiment are basically the same as those described in Figures 16 and 17 of the fifth embodiment, but the processing when logging in to a website of a financial institution or the like using the information processing terminal 30 differs from that of the fifth embodiment.

[0222] Therefore, in the following, the processing operation at the time of login will be described in detail, and the processing described in the fifth embodiment will be omitted.

[0223] In the sixth embodiment, (1) a history occurrence notification process is performed in which, when a transaction related to a customer account occurs, a transaction history notification is sent to the application software of the information processing terminal 30, and (2) a pass issuance process is performed in which transaction history information related to the customer account is printed on a passbook by the customer and the passbook is issued.

[0224] [History occurrence notification processing] As in the fifth embodiment, a customer performs transaction processing using a transaction device (e.g., an ATM) installed in a financial institution or the like, Internet banking, or application software installed in an information processing terminal 30. Here, a case where a customer performs transaction processing using an information processing terminal 30 on which application software is installed will be illustrated.

[0225] [S551] When a customer operates the information processing terminal 30 and the application software is started, an input screen for the account information (e.g., login ID and password) registered in the linking server 80 is displayed on the information processing terminal 30. Then, the customer operates the information processing terminal 30 to input the account information of the linking server 80, and the account information is transmitted to the linking server 80.

[0226] In addition, if account information (e.g., login ID and password) of the linking server 80 is stored in the information processing terminal 30, the account information input screen does not need to be displayed, and the account information (e.g., login ID and password) stored in the information processing terminal 30 is transmitted to the linking server 80.

[0227] [S552] In link server 80, registration information linking unit 801 compares the account information received from information processing terminal 30 with the account information preregistered in storage device 81, and authenticates the account information. If the authentication of the account information is successful, registration information linking unit 801 transmits information indicating that the authentication of the account information is successful to server 40 of a financial institution or the like.

[0228] In the server 40, when the registration information linking unit 405, which performs linking processing with the linking server 80, acquires information that the authentication of the account information by the linking server 80 has been successful, it allows login to the website of the financial institution, etc. This enables information communication between the information processing terminal 30 and the server 40, and enables transaction processing.

[0229] A transaction screen for performing transaction processing is displayed on the display unit of information processing terminal 30, and information related to a specific transaction is input by the customer. The input information related to the transaction is transmitted to host server 20 via server 40, and host server 20 performs transaction processing based on the information related to the transaction, and the processing is completed. Note that there is no particular limitation on the type of transaction.

[0230] [S502~S505] The processing of S502 to S505 is the same as the processing of S502 to S505 in FIG. 16 of the fifth embodiment, and therefore a description of the processing of S502 to S505 will be omitted.

[0231] [Passbook issuing process] [S553] When a customer operates the information processing terminal 30 and the application software is started, an input screen for the account information (e.g., login ID and password) registered in the linking server 80 is displayed on the information processing terminal 30. Then, the customer operates the information processing terminal 30 to input the account information of the linking server 80, and the account information is transmitted to the linking server 80.

[0232] In this case as well, if the account information (for example, a login ID and a password) of the linked server 80 is stored in the information processing terminal 30, input of the account information may be omitted.

[0233] [S554] In link server 80, registration information linking unit 801 compares the account information received from information processing terminal 30 with the account information preregistered in storage device 81, and authenticates the account information. If the authentication of the account information is successful, registration information linking unit 801 transmits information indicating that the authentication of the account information is successful to server 40 of a financial institution or the like.

[0234] In server 40, when registration information linking unit 405, which performs linking processing with link server 80, acquires information indicating that authentication of account information by link server 80 has been successful, server 40 permits login to a website of a financial institution or the like.

[0235] When the information processing terminal 30 is permitted to access the website of a financial institution or the like, the customer selects, for example, a "Deposit Account History" button (not shown) on the display screen of the information processing terminal 30 in order to check the contents of the web passbook. This causes a request to obtain transaction history information to be sent to the server 40.

[0236] When the request to acquire transaction history information is received in server 40, web passbook information notification section 402 makes a request to host server 20 to acquire transaction history information.

[0237] [S507~S513] The processing of S507 to S513 is the same as the processing of S507 to S513 in FIG. 16 of the fifth embodiment, and therefore a description of the processing of S507 to S513 will be omitted.

[0238] (F-3) Effects of the Sixth Embodiment As described above, according to the sixth embodiment, in addition to the effects of the fifth embodiment, a customer can log in using his / her own unique account information. Also, according to the sixth embodiment, it is possible to issue passbooks using a passbook issuing machine common to a plurality of financial institutions installed in convenience stores, etc., which is expected to improve convenience, and it is also not necessary to install a passbook function in ATMs of financial institutions, etc., or in branch terminals.

[0239] (G) Seventh embodiment Next, a seventh embodiment of a transaction device, a transaction program, and a passbook issuing device according to the present invention will be described with reference to the drawings.

[0240] [Basic concept] The seventh embodiment illustrates a case in which, using a transaction device (such as an ATM) installed in a financial institution, etc., a customer is informed of non-passbook accounts in parallel with the customer's transaction operations, and the process of switching to a non-passbook account is performed according to the customer's wishes.

[0241] For example, if a customer uses a non-bankbook account, services such as free fees for using ATMs may be offered.

[0242] Therefore, in order to encourage the switching to a non-passbook account, in the seventh embodiment, a customer performing a transaction operation on a transaction device is presented with a fee inquiry screen and / or a non-passbook account application screen to encourage the customer to switch to a non-passbook account, and when a customer wishes to apply for a non-passbook account, the customer is able to apply for a non-passbook account on the transaction device.

[0243] (G-1) Configuration of the Seventh Embodiment FIG. 19 is a configuration diagram showing the configuration of a transaction system according to the seventh embodiment and the internal configuration of a transaction device.

[0244] In FIG. 19, a transaction device 10A includes a control unit 1, a passbook processing unit 2, a card processing unit 3, a statement processing unit 4, a banknote deposit / withdrawal unit 5, a coin deposit / withdrawal unit 6, a memory unit 7, and a communication unit 8.

[0245] In FIG. 19, the configuration of a transaction device 10A according to the seventh embodiment is basically the same as the configuration of the transaction device 10 of the first to fourth embodiments shown in FIG. 1 and FIG.

[0246] It should be noted that the passbook processing unit 2, card processing unit 3, statement processing unit 4, banknote deposit / withdrawal unit 5, coin deposit / withdrawal unit 6, memory unit 7, and communication unit 8 have been explained in the first to fourth embodiments, so detailed explanations thereof will be omitted here.

[0247] In FIG. 19, the control unit 1 of the transaction device 10A has a fee inquiry processing unit 1a, a non-passbook account application instruction determination unit 1b, a non-passbook account application guidance unit 1c, a non-passbook account application selection processing unit 1d, and a post-non-passbook switching transaction processing unit 1e.

[0248] The fee inquiry processing unit 1a is a means for transmitting and receiving, to and from the host server 20, a telegram of a fee confirmation request and a fee confirmation permission response as a fee inquiry communication in a customer transaction.

[0249] The non-passbook account application instruction determination unit 1b is a means for determining whether or not a non-passbook account application instruction has been received based on the determination in the host server 20 in the fee confirmation permission response of the fee inquiry communication.

[0250] The non-passbook account application guidance unit 1c, when a "non-passbook account application instruction has been received" from the host server 20, displays a non-passbook account switching application guidance screen and accepts the customer's application selection.

[0251] The non-passbook account application selection processing unit 1d is a means for notifying the host server 20 of application information for switching to a non-passbook account when a customer selects an application for switching to a non-passbook account.

[0252] The post-switching transaction processing unit 1e is a means for notifying a customer that a switch to a non-passbook account has been made when the customer selects to apply for a switch to a non-passbook account and switches to the non-passbook account at the host server 20.

[0253] (G-2) Operation of the Seventh Embodiment 20 to 22 are flowcharts showing the process and screen transition of a passbook presence / absence switching transaction in the transaction device 10A according to the seventh embodiment.

[0254] The following describes an example of the operation of the transaction device 10A when a customer applies for switching to a non-passbook account in parallel with a withdrawal transaction. Note that the type of transaction performed by the customer is not limited to a withdrawal transaction, and may be a transfer transaction, a transfer transaction, a balance inquiry, or other transaction.

[0255] In addition, in the transaction device 10A, the operation screen and transaction process for proceeding with the transaction desired by the customer are basically the same as existing processes, and are not limited to Figures 20 to 22. In other words, the transaction process illustrated in Figures 20 to 22 is just an example.

[0256] [S701~S705] In the transaction device 10A, under the control of the control unit 1, a customer waiting screen (transaction selection menu screen) is displayed on the operation display unit 17 (S701), and when the customer selects, for example, a pick-up transaction button (S702), a card insertion screen 530 is displayed on the operation display unit 17 (S703).

[0257] When the card is input (S704) before the transaction button is selected on the customer waiting screen (transaction selection menu screen), the transaction selection menu screen 500 including the cancel button 531 is displayed (S705).

[0258] [S706] In the transaction device 10A, the card processing unit 3 determines whether or not the card is an IC card, and if it is an IC card (S706 / YES), the process proceeds to S707, and if it is not an IC card (S706 / NO), the process proceeds to S712. Note that the process of determining whether or not the card is an IC card can be widely applied to existing processes.

[0259] [S707~S711] If the inserted card is an IC card, the card processing unit 3 reads the card information from the recording medium (e.g., an IC chip) of the inserted card (S707), and the card information is provided to the control unit 1, which determines whether or not biometric authentication is required based on the card information.

[0260] That is, the card information stores information indicating whether or not the customer's biometric authentication has been performed, biometric authentication information for comparison, etc., and when information indicating that biometric authentication is to be performed is stored (S708 / YES), the process proceeds to S709 to perform the biometric authentication. Note that the biometric authentication method is exemplified by palm vein authentication, but is not limited to this, and fingerprint authentication, iris pattern authentication, face authentication, etc. may also be applied.

[0261] In S709, screen 541 is displayed to guide the user to place his / her hand over the authentication device (S709), screen 542 is displayed indicating that authentication is in progress (S710), and when the authentication is successful, screen 543 is displayed indicating that the authentication is successful (S711).

[0262] Also, when information to the effect that biometric authentication is to be performed is not stored (or when information to the effect that biometric authentication is not to be performed is stored) (S708 / NO), the process proceeds to S712 and biometric authentication is not performed.

[0263] [S712] A PIN input screen 544 is displayed on the operation display unit 17, and a PIN is input on the PIN input screen 544 (S712).

[0264] [S713~S715] Next, the control unit 1 determines whether the card is a shared card with other financial institutions based on the card type information included in the card information (S713).

[0265] Here, a shared card is a card that can be used not only for transactions with its own bank, but also for transactions with other financial institutions. For example, shared cards include other bank affiliated cards that can be used for transactions with other affiliated banks, affiliated credit cards that can be used for transactions with affiliated credit card companies, etc.

[0266] When the inserted card is an affiliated card of another bank, a screen 550 is displayed having a own bank transaction selection button 551 for selecting a transaction with one's own bank, and an affiliated partner button 552 for selecting a transaction with another affiliated bank, and the customer selects either the own bank transaction selection button 551 or the affiliated partner button 552 (S714), and the process proceeds to S716.

[0267] Furthermore, when the inserted card is an affiliated credit card, a screen 560 is displayed to inform the customer that the transaction will be handled by the bank itself, and the customer selects the confirmation button 532 (S715), and the process proceeds to S716.

[0268] If the inserted card is not a common card, the process proceeds to S716.

[0269] [S716] The control unit 1 determines whether the inserted card is its own card or not, and if it is determined to be its own card (S716 / YES), the process proceeds to S717, and if it is determined to be not its own card (S716 / NO), the process proceeds to S721.

[0270] [S717~S718] Control unit 1 transmits a message (fee confirmation request message) to host server 20 requesting the presence or absence of a display setting for the fee confirmation screen, and receives a response message from host server 20 that has received the message.

[0271] The fee inquiry processing unit 1a of the control unit 1 determines whether the received response message contains information indicating that "instruction to display fee confirmation screen" is set (i.e., whether the setting "instruction to display fee confirmation screen" has been received) (S717).

[0272] Then, when the setting "instruction to display fee confirmation screen" is received (S717 / YES), the fee confirmation screen 570 received from the host server 20 is displayed on the operation display unit 17 (S718), and when the customer who has confirmed the fee selects the confirmation button 532, the process proceeds to S719.

[0273] On the other hand, when the setting of "no instruction to display the fee confirmation screen" is received (S717 / NO), the fee confirmation screen is not displayed and the process proceeds to S719.

[0274] [S719] Control unit 1 transmits a message (non-passbook account application confirmation request message) to host server 20 requesting the presence or absence of display settings for the non-passbook account application screen, and receives a response message from host server 20 which has received the message.

[0275] Here, the control unit 1 sends a non-passbook account application confirmation request message to the host server 20, which includes customer information such as the name of the financial institution, branch name, account number, account holder, etc., and request information as to whether or not an application screen for a non-passbook account should be displayed. In other words, the control unit 1 sends a message to the host server 20, which includes information that identifies the customer, in order to have the host server 20 determine whether or not an application screen for a non-passbook account should be displayed.

[0276] Host server 20 searches for transaction history information for a customer based on information identifying the customer, with reference to storage device 21. Then, host server 20 determines whether or not to display a non-passbook account application screen based on the transaction history information for the customer.

[0277] That is, host server 20 determines, based on the customer's transaction history information, whether the customer's account is a passbook account, whether the customer's transaction pattern involves many transactions that incur fees, whether the customer only uses a card, etc. Note that the method by which host server 20 determines whether to display the non-passbook account application screen is not limited to the above.

[0278] More specifically, host server 20 judges whether the account is a passbook account or a non-passbook account based on the account information of the customer. Also, from transaction history information for the past year or several years, the number of transactions for which a fee was paid is derived, and when the number of transactions for which a fee was paid exceeds a threshold value, or when the value indicating the ratio of transactions for which a fee was paid (i.e., the ratio of the number of transactions for which a fee was paid to the total number of transactions) exceeds a threshold value, it is judged that many transactions requiring a fee are conducted. Furthermore, from transaction history information for the past year or several years, when the value of the number of transactions using only a card, or the ratio of transactions using only a card (i.e., the ratio of the number of transactions using only a card to the total number of transactions) exceeds a threshold value, it is judged that many transactions using only a card are conducted.

[0279] By making the above-mentioned judgment, host server 20 determines whether or not to display the non-passbook account application screen, and when it determines that the non-passbook account application screen should be displayed, it sends a response message including a setting of "non-passbook account application instruction received" to trading device 10A.

[0280] When it is determined that the non-passbook account application screen should not be displayed, the host server 20 transmits a response message including a setting of "no non-passbook account application instruction" to the transaction device 10A.

[0281] The non-passbook account application instruction determination unit 1b of the control unit 1 determines whether the received response message contains information to set ``non-passbook account application instruction present'' (i.e., whether the setting ``non-passbook account application instruction present'' has been received) (S719).

[0282] Then, when the setting "non-passbook account application instruction received" is received (S719 / YES), the non-passbook account application guidance unit 1c displays the non-passbook account application screen 580 received from the host server 20 on the operation display unit 17 (S720).

[0283] Here, non-passbook account application screen 580 includes information that when applying for a non-passbook account, there is no handling fee. Conventionally, there has been a service that waives handling fees for customers using non-passbook accounts, and the customer can be informed that there will be no handling fee if the customer switches to a non-passbook account for the current transaction. In addition, when the customer wishes to switch to a non-passbook account, the switch to the non-passbook account can be effected at the same time as the current transaction, and handling fees can be waived from the current transaction onwards.

[0284] When a customer wishes to apply for a non-passbook account, the customer selects the “Apply” button 582, and the non-passbook account application selection processing unit 1d sends a message including an application for a non-passbook account (non-passbook account application message) to the host server 20.

[0285] At this time, non-passbook account application selection processing unit 1d sends a non-passbook account application message to host server 20, which includes information requesting switching to a non-passbook account, as well as information such as the name of the financial institution, the branch name, the account number, and the account holder. In other words, non-passbook account application selection processing unit 1d sends a message to host server 20, which includes information identifying the customer and information that the customer is requesting switching to a non-passbook account.

[0286] Host server 20, which receives the non-passbook account application message, accepts the application for the non-passbook account and carries out the process of switching the customer's account to a non-passbook account.

[0287] On the other hand, when the customer does not wish to apply for a non-passbook account, the “Do not apply” button 581 is selected, and the non-passbook account application selection processing unit 1d sends a message to the host server 20 indicating that the customer will not apply for a non-passbook account.

[0288] [S721~S724] Operation display unit 17 displays withdrawal amount input screen 590 for the withdrawal transaction, and the customer inputs the withdrawal amount (S721). Control unit 1 transmits a transaction request message including transaction information (e.g., financial institution name, branch name, account number, account holder, withdrawal amount, etc.) to host server 20, as in the case of existing withdrawal transactions. Then, operation display unit 17 displays screen 591 indicating that processing is in progress (S722).

[0289] When the transaction device 10A receives a response message for a withdrawal transaction from the host server 20, the inserted card and cash are ejected, and a screen 592 prompting the customer to take the card is displayed (S723), and a screen 593 prompting the customer to take the cash is displayed (S724).

[0290] [S725] The operation display unit 17 displays a screen (non-passbook account switching completion screen) 594 indicating that the switching to the non-passbook account has been completed and that there is no fee for the current transaction (S725). This notifies the customer that the switching to the non-passbook account has been completed and that no fee has been charged.

[0291] At this time, a detailed statement on which information indicating that the fee for this transaction is free may be printed and discharged.

[0292] (G-3) Modified embodiment of the seventh embodiment (G-3-1) S720 to S725 in Figures 20 to 22 show an example in which host server 20 displays non-passbook account application screen 580 from the transaction history information of the customer searched based on information identifying the customer, and the customer applies to switch to a non-passbook account.

[0293] In the above-mentioned modified example, the completion of the switch to a non-passbook account at host server 20 is displayed in S725, but the screen indicating the completion of the switch to a non-passbook account may be displayed between S720 and S721. In other words, to reassure the customer who has applied for a non-passbook account, after the application for a non-passbook account in S720, a screen indicating the completion of the switch to a non-passbook account and that there is no handling fee may be displayed before the screen of S721.

[0294] Furthermore, if for some reason host server 20 is unable to properly switch to an account without a passbook, the customer can be informed before the processing of S721 that the switch to an account without a passbook has not been completed.

[0295] (G-4) Effects of the Seventh Embodiment As described above, the seventh embodiment provides the following advantages.

[0296] According to the seventh embodiment, when a customer carries out a transaction at a transaction device, the customer can be invited or guided to switch to a non-passbook account, for example, by informing them that there are no fees for non-passbook accounts. If the customer wishes to switch to a non-passbook account, the operation to switch to a non-passbook account can be performed simultaneously with the customer's transaction operation, making it easy to switch to a non-passbook account.

[0297] According to the seventh embodiment, the host server can proactively solicit customers who make many transactions that incur fees or who make many card-only transactions by determining from customer transaction information to switch to a non-passbook account, and by providing guidance for switching to a non-passbook account, it is possible to effectively promote switching to a non-passbook account. Conversely, it is also possible to suppress solicitation for customers who make frequent passbook transactions.

[0298] According to the seventh embodiment, when a transaction normally incurs a fee, the customer can immediately make the transaction fee-free, thereby improving customer convenience.

[0299] According to the seventh embodiment, it is expected that the switching to non-passbook accounts will be actively promoted, and by eliminating the need to retain accounting data, the amount of accounting data retained on the host server can be reduced.

[0300] (H) Eighth embodiment Next, an eighth embodiment of a transaction device, a transaction program, and a passbook issuing device according to the present invention will be described with reference to the drawings.

[0301] [Basic concept] The eighth embodiment illustrates a case where a customer who has switched to an account without a passbook switches back to an account with a passbook by performing a transaction operation on a transaction device.

[0302] It is conceivable that a customer would perform a switch-back operation to an account with a passbook on the transaction device, the host server would make a decision to switch the customer's account back to an account with a passbook, and the transaction device would issue a passbook based on the result (response message). However, there may be restrictions on passbook issuance, and some types of transaction devices may not be able to issue passbooks at all, so there may be cases where a passbook cannot be issued on the spot.

[0303] For example, some transaction devices, such as those installed at convenience stores and train stations, cannot issue passbooks, and some only accept cards. Also, some customers may wish to switch (revert) to an account with a passbook, but may wish to have the passbook issued at a different time or with a different device, since issuing a passbook may take time.

[0304] Therefore, in the eighth embodiment, a transaction device performs a revert operation to an account with a passbook, and in the event of restrictions on passbook issuance or the inability to issue a passbook, the device cooperates with another device (e.g., another transaction device or a passbook issuing machine, etc.) to enable the passbook to be issued by the other device.

[0305] (H-1) Configuration of the Eighth Embodiment FIG. 23 is a configuration diagram showing the configuration of a transaction system according to the eighth embodiment and the internal configuration of a transaction device.

[0306] The passbook issuing device 60 is a device separate from the transaction device 10B, and may be, for example, a passbook processing machine that performs passbook entry and passbook issuance, or a transaction device having a passbook issuing function (such as an ATM). The passbook issuing device 60 basically has the same functions as the control unit 1 of the transaction device 10B described later, or has some of the functions of the control unit 1 described later. Detailed explanations of various processes in the passbook issuing device 60 will be given in the section on operation.

[0307] The transaction device 10B may be a transaction device installed in a financial institution, a convenience store, or the like, similar to the transaction devices 10 and 10A of the first to fourth and seventh embodiments. The transaction device 10B may be a device that does not have a passbook issuing function, or may, of course, be a device that has a passbook issuing function.

[0308] 23, the transaction device 10B has a control unit 1, a passbook processing unit 2, a card processing unit 3, a statement processing unit 4, a banknote deposit / withdrawal unit 5, a coin deposit / withdrawal unit 6, a memory unit 7, and a communication unit 8. Note that the passbook processing unit 2, the card processing unit 3, the statement processing unit 4, the banknote deposit / withdrawal unit 5, the coin deposit / withdrawal unit 6, the memory unit 7, and the communication unit 8 have been described in the first to fourth embodiments, so detailed description thereof will be omitted here.

[0309] In FIG. 23, the control unit 1 of the transaction device 10B has a passbook account switching selection / guidance processing unit 1f, a passbook account switching availability inquiry unit 1g, a passbook account switching execution unit 1h, a passbook account new passbook issuance processing unit 1j, and a passbook account new passbook issuance linkage processing unit 1k.

[0310] The passbook account switching selection / guidance processing unit 1f is a means for displaying a passbook account switching guidance screen on the operation display unit 17, showing guidance for switching to a passbook account, and accepting switching to a passbook account by the customer on the passbook account switching guidance screen.

[0311] The passbook account switching possibility inquiry unit 1g is a means for, when a customer selects switching to a passbook account, communicating with the host server 20 to inquire as to whether the customer is eligible to switch to a passbook account, and determining the result of the inquiry as to whether switching to a passbook account is possible based on the response from the host server 20.

[0312] The passbook account switching execution unit 1h is a means for communicating with the host server 20 to execute switching to a passbook account, and transitioning to issuing a new passbook or passbook issuance procedure processing upon receiving a response indicating that execution has been established.

[0313] The new passbook issuance processing unit 1j for a valid passbook account is a means for issuing a new passbook by switching to a valid passbook account, and for printing the passbook cover / spread / details by a new passbook issuance communication, thereby performing the passbook issuance process.

[0314] The new passbook issuance linkage processing unit 1k for a valid passbook account communicates with the host server 20 to execute switching to a valid passbook account, and notifies the customer of the ID (confirmation number) for issuing a new passbook for a valid passbook account generated by the host server 20 based on the information indicating that issuance of a new passbook is permitted in the execution success response.

[0315] The existing passbook account new passbook issuance cooperation processing unit 1k is a means for coordinating the issuance of a new passbook with another transaction apparatus 10B capable of issuing a passbook.

[0316] (H-2) Operation of the Eighth Embodiment (H-2-1) Processing in the transaction device 10B FIG. 24 is a flowchart showing the processing operation in the transaction device 10B according to the eighth embodiment.

[0317] [S800~S803] In the transaction device 10B, a customer waiting screen (transaction selection menu screen) is displayed on the operation display unit 17 under the control of the control unit 1 (S800).

[0318] For example, the transaction selection menu screen 700 illustrated in FIG. 25(A) has a "switch to passbook account / issue passbook" button 701 for processing the transaction of switching to a passbook account and / or issuing a passbook.

[0319] When the customer selects the "Switch to Passbook Account / Issue Passbook" button 701 on the transaction selection menu screen 500 in Fig. 25(A) (S801), a screen (card insertion screen) prompting the customer to insert a card is displayed on the operation display unit 17, and the customer inserts the card into the card slot 13 (S802). The card information read by the card processing unit 3 is provided to the control unit 1.

[0320] Furthermore, a screen for inputting a PIN is displayed on the operation and display unit 17, and the customer inputs a PIN on the input screen (S803).

[0321] [S804~S806] In the transaction device 10B, the passbook account switching selection / guidance processing unit 1f performs passbook account switching inquiry communication with the host server 20 (S804).

[0322] At this time, the passbook account cut selection / guidance processing unit 1f sends a message to the host server 20 including card information such as the financial institution code, branch code, account holder name, account number, etc., as well as a PIN and a request to switch to a passbook account, and asks the host server 20 to confirm whether or not it is possible to switch to a passbook account.

[0323] Based on the information included in the message, host server 20 checks whether the customer's account can be switched to an account with a passbook, and returns a response message to transaction device 10B. For example, when the customer's account is an account without a passbook, referring to the passbook presence / absence flag in customer information 211A illustrated in Fig. 26, host server 20 determines that the account is eligible to be switched to an account with a passbook, and returns a response message to the effect that the inquiry has been successful. On the other hand, when the account is not an account without a passbook, host server 20 may return a response message to the effect that the inquiry has not been successful.

[0324] In the transaction device 10B that receives the response message from the host server 20, the passbook account switching inquiry unit 1g judges whether the inquiry is successful or not based on the response message (S805). If the inquiry is not successful (S805 / not successful), the card is returned (S806) and the process ends. On the other hand, if the inquiry is successful (S805 / successful), the process proceeds to S807.

[0325] [S807~S809] If the inquiry is successful, for example, a passbook account change guide screen 710 as shown in FIG. 25(B) is displayed on the operation display unit 17 (S807).

[0326] 25(B), the passbook account change guidance screen 710 displays guidance on changing the account type to a passbook account, issuing a new passbook, etc., and when the customer wishes to switch to a passbook account, the confirmation button 711 is selected (S808 / confirm) and the process proceeds to S810. On the other hand, when the customer does not wish to switch to a passbook account, the cancel button 712 is selected (S808 / cancel), the card is returned (S809), and the process ends.

[0327] [S810] In S810, the existing passbook account switching execution unit 1h judges whether a passbook can be issued (S810), and if it judges that there is a limit to the issuance of a passbook or that the issuance of a passbook is not possible, the process proceeds to S830, where a new passbook issuance linkage process is performed. On the other hand, if it judges that the passbook can be issued, the process proceeds to S811.

[0328] [S811~S821] The process of S811 to S821 shows the process when a new passbook is issued by switching to an account with a passbook in the transaction device 10B.

[0329] When a passbook can be issued in S810, the passbook account switching execution unit 1h transmits and receives a message for executing the passbook account switching to and from the host server 20 and performs the passbook account switching execution process (S811), and the passbook account switching execution unit 1h displays the processing in progress screen 720 for the passbook account as shown in FIG. 25(C) (S812).

[0330] When a response message is returned from the host server 20 and the execution of the passbook account switch is established, in the transaction device 10B, the passbook processing unit 2 pays out a new passbook in preparation for issuing a new passbook (S813).

[0331] The new passbook issuance processing unit 1j for existing passbook accounts sends and receives a message to issue a new passbook with the host server 20 (S814), obtains information to be printed on the new passbook, and the passbook processing unit 2 prints the information on the cover and front page of the new passbook (S815).

[0332] In addition, the new passbook issuance processing unit 1j for existing passbook accounts transmits and receives a message of entry information to be entered in the new passbook with the host server 20 (S816), and the passbook processing unit 2 prints the entry information (passbook details) in the new passbook (S817).

[0333] Then, when the information to be printed on the passbook is printed and the issuance of the new passbook is completed, the operation display unit 17 displays a screen 730 indicating the completion of switching to an account with a passbook, as shown in Fig. 25(D) (S818), the passbook processing unit 2 stores the passbook information in the passbook's recording medium (magnetic stripe MS), and the passbook is ejected (S819). After that, the card is ejected (S820), and the process ends (S821).

[0334] [S830~S834, S821] The processes of S830 to S834 and S821 are carried out in the case where a new passbook is not issued in the transaction device 10B.

[0335] If it is determined in S810 that there is a limit on passbook issuance or that a passbook cannot be issued, a new passbook issuance linkage process is carried out (S830).

[0336] In other words, if it is determined in S810 that there is a passbook issuance restriction or that a passbook cannot be issued, the passbook account processing screen 720 shown in FIG. 25(C) is displayed, and the passbook account new passbook issuance linkage processing unit 1k sends and receives a message to execute the passbook account switch with the host server 20, and performs the passbook account switch execution process (S831).

[0337] Here, the new passbook issuance linkage processing unit 1k for existing passbook accounts notifies the host server 20 that there is a passbook issuance restriction or that a passbook cannot be issued, and requests the issuance of a passbook issuance ID (hereinafter also referred to as the "passbook issuance number" or "confirmation number").

[0338] In response to the request from the transaction device 10B, the host server 20 issues a passbook issuance ID (confirmation number) and returns a response message including the passbook issuance ID to the transaction device 10B.

[0339] Here, the passbook issuance ID (confirmation number) is information for identifying a new passbook to be issued after the process of switching from an account without a passbook to an account with a passbook has been performed but a passbook has not been issued. In other words, the passbook issuance ID (confirmation number) is identification information that is required when a customer who has completed the switch to an account with a passbook subsequently issues a passbook. As a result, when a customer issues a passbook at the transaction device 10B, another passbook issuing device 60, or at the counter of a financial institution, the customer can enter or present the passbook issuance ID (confirmation number) to issue a new passbook.

[0340] The passbook issuance ID (confirmation number) issued by host server 20 is stored in association with customer information 221A, as shown in FIG.

[0341] When the existing passbook account new passbook issuance cooperative processing unit 1k acquires the passbook issuance ID contained in the response message from the host server 20 (S831), the statement processing unit 4 prints the passbook issuance ID on the statement (S832).

[0342] Then, a notification screen 740 for switching to an account with a passbook, as shown in Fig. 27(A) is displayed on the operation display unit 17 (S833). For example, the notification screen 740 for switching to an account with a passbook, as shown in Fig. 27(A), displays information including the fact that a statement showing a confirmation number for the issuance of a new passbook has been issued, and that after that, in order to issue a new passbook, the user should either go to an ATM with a passbook issuing function or a passbook carrying over machine, or go to the counter to have a new passbook issued.

[0343] Thereafter, the statement and card are discharged (S834), and the process ends (S821). FIG. 27(B) is a diagram showing an example of the structure of a statement on which a passbook issuance ID of the eighth embodiment is printed. As shown in FIG. 27(B), a passbook issuance number (passbook issuance ID) 801 for issuing a new passbook is displayed on a statement 800. Also, as shown in FIG. 27(B), a two-dimensional code 802 created based on the passbook issuance ID may be printed.

[0344] (H-2-2) New passbook issuing process in passbook issuing device 60 FIG. 28 is a flowchart showing the processing operation for issuing a new passbook by the passbook issuing device 60 in the eighth embodiment.

[0345] [S840~S843] In the passbook issuing device 60, under the control of the control unit 1, a customer waiting screen (transaction selection menu screen) is displayed on the operation display unit 17 (S840).

[0346] A customer who has already switched to an account with a passbook but has not yet issued a new passbook may, for example, select the “Switch to account with passbook / issue passbook” button 701 on the transaction selection menu screen 500 in FIG. 25(A) (S841).

[0347] Then, a card insertion screen is displayed on operation display unit 17, and the customer inserts the card into card slot 13 (S842), and then a PIN input screen is displayed on operation display unit 17, and the customer inputs the PIN on the input screen (S844).

[0348] [S844] In the passbook issuing device 60, the passbook account switching selection / guidance processing unit 1f performs passbook account switching inquiry communication with the host server 20 (S804).

[0349] At this time, the passbook account cut selection / guidance processing unit 1f sends a message to the host server 20 including card information such as the financial institution code, branch code, account holder name, account number, etc., as well as a PIN and a request to switch to a passbook account, and asks the host server 20 to confirm whether or not it is possible to switch to a passbook account.

[0350] Based on the information contained in the received message, host server 20 references customer information 211A in storage device 21 and confirms that the customer has switched to an account with a passbook, but has not yet been issued a new passbook. Therefore, host server 20 returns a response message including a "switched new passbook issuance instruction" to passbook issuing device 60.

[0351] In the passbook issuing device 60 that received the response message from the host server 20, the existing passbook account switching inquiry unit 1g judges whether the "switched new passbook issuance instruction" is established based on the response message (S845). If it is not established (S845 / not established), the card is returned (S846) and the process ends. On the other hand, if it is established (S845 / established), the process proceeds to S847.

[0352] [S847] In S847, the passbook account switching execution unit 1h judges whether a passbook can be issued (S847), and if it judges that there is a limit to the issuance of a passbook or that the issuance of a passbook is not possible, the card is returned (S846) and the process ends since the passbook cannot be issued. On the other hand, if it judges that the passbook can be issued, the process proceeds to S848.

[0353] [S848] If a passbook can be issued in the other device 60, the existing passbook account new passbook issuance linkage processing unit 1k displays an input screen for the passbook issuance ID (confirmation number) as shown in FIG. 29 on the operation display unit 17 in order to issue a new passbook, and accepts input of the passbook issuance ID (confirmation) by the customer on the input screen (S848).

[0354] [S849, S850] The existing passbook account new passbook issuance cooperative processing unit 1k transmits an existing passbook account switching execution message including the passbook issuance ID input on the input screen of Fig. 29 to the host server 20 and executes the existing passbook account switching execution process (S849). The existing passbook account new passbook issuance cooperative processing unit 1k displays the existing passbook account processing in progress screen 720 illustrated in Fig. 25(C) (S850).

[0355] Based on the passbook issuance ID included in the received message, host server 20 retrieves corresponding customer information 211A from storage device 21 and verifies the passbook issuance ID. If the passbook issuance ID is valid, host server 20 returns a response message to other device 60 to the effect that a passbook will be issued for the account with a passbook.

[0356] If the passbook issuing ID is not valid, a response message to that effect (error) may be returned to the other device 60.

[0357] [S850~S859] When a response message is returned from the host server 20 and the execution of the passbook account switch is confirmed, the passbook processing unit 2 of the transaction device 10B pays out a new passbook in preparation for issuing a new passbook (S851).

[0358] The new passbook issuance processing unit 1j for existing passbook accounts sends and receives a message to issue a new passbook with the host server 20 (S852) and obtains information to be printed on the new passbook, and the passbook processing unit 2 prints the information on the cover and front page of the new passbook (S853).

[0359] In addition, the new passbook issuance processing unit 1j for existing passbook accounts transmits and receives a message of entry information to be entered in the new passbook with the host server 20 (S854), and the passbook processing unit 2 prints the entry information (passbook details) in the new passbook (S855).

[0360] Then, when the information to be printed on the passbook is printed and the issuance of the new passbook is completed, the screen 730 for informing the completion of switching to an account with a passbook, as shown in Fig. 25(D) is displayed on the operation display unit 17 (S856), the passbook processing unit 2 stores the passbook information in the recording medium (magnetic stripe MS) of the passbook, and the passbook is discharged (S857). After that, the card is discharged (S858), and the process ends (S859).

[0361] (H-3) Effects of the Eighth Embodiment As described above, the eighth embodiment provides the following advantages.

[0362] According to the eighth embodiment, for customers who have initially opened an account without a passbook but still desire a passbook, the account can be switched to an account with a passbook and a passbook can be issued through a transaction operation at the transaction device, making it possible to switch without the hassle of visiting the counter or the constraints of counter opening hours, thereby improving convenience.

[0363] According to the eighth embodiment, the burden on counter staff of a financial institution can be reduced by shifting the handling of transactions at the counter to the transaction device.

[0364] According to the eighth embodiment, at an ATM where passbook issuance is restricted or where passbooks cannot be issued, a mechanism can be provided to link with another ATM which can issue passbooks or with a passbook entry carryover machine, thereby making it possible to accept switching to an account with a passbook, thereby improving customer convenience.

[0365] [Variations] Although the embodiment of the present invention has been described above, the present invention is not limited to this, and can be practiced within the scope of the claims. Modifications of the embodiment are as follows, for example.

[0366] The transaction device described in at least one of the embodiments has been described as being equipped with, for example, a passbook processing unit 2 and a passbook input / output port 12, but is not limited to this example, and the transaction device may not be equipped with, for example, the passbook processing unit 2 and the passbook input / output port 12.

[0367] In addition, the transaction device described in at least one of the embodiments has been described as being equipped with, for example, a coin deposit / withdrawal section 6 and a coin deposit / withdrawal section 16, but is not limited to this example, and the transaction device may not be equipped with, for example, the coin deposit / withdrawal section 6 and the coin deposit / withdrawal section 16.

[0368] In addition, some of the components described in each embodiment may be combined / omitted, at least some of the components of at least one of the embodiments may be omitted, and at least some of the components of one of the embodiments may be replaced with components of another embodiment or added as new components. [Explanation of symbols]

[0369] 9 and 9A... transaction system, 10, 10A, 10B... transaction device, 11... housing, 12... passbook inlet / outlet, 13... card inlet / outlet, 14... statement ejection outlet, 15... banknote inlet / outlet, 16... coin inlet / outlet, 17... operation display unit, 20... host server, 21... storage device, 211 and 211A... customer information, 30: information processing terminal, 40: server, 401: history occurrence notification unit, 402: WEB passbook information notification unit, 403: passbook issue number setting unit, 404: history information notification unit, 405: registration information link unit, 41: registration information DB, 411: registration information, 60: Passbook issuing device, 90: Passbook issuing device, 901: Passbook issue number acquisition unit, 902: History information acquisition unit, 903: Passbook issuing unit, 1: control unit, 2: bankbook processing unit, 3: card processing unit, 4: statement processing unit, 5: banknote deposit / withdrawal unit, 6: coin deposit / withdrawal unit, 7: memory unit, 8: communication unit, 1a...fee inquiry processing unit, 1b...non-passbook account application instruction judgment unit, 1c...non-passbook account application guidance unit, 1d...non-passbook account application selection processing unit, 1e...post-passbook switch transaction processing unit, 1f...account with passbook switch selection and guidance processing unit, 1g...account with passbook switch availability inquiry unit, 1h...account with passbook switch execution unit, 1j...new passbook issuance processing unit for account with passbook, 1k...new passbook issuance linkage processing unit for account with passbook.

Claims

1. A transaction device that performs a predetermined transaction process by customer operation, An operation display unit; a passbook processing unit that performs a printing process on the inserted passbook; a control unit for receiving and transmitting messages relating to a transaction from and to a host server when a predetermined transaction is selected on a transaction selection screen displayed on the operation display unit; Equipped with when the response message from the host server includes information indicating that the customer's account can be changed to a non-passbook account, a change confirmation screen for confirming the change from an account with a passbook to an account without a passbook is displayed on the operation and display unit; After confirmation on the change confirmation screen, the control unit transmits and receives a message regarding the change of the account to and from the host server. A transaction device comprising:

2. A transaction device that performs a predetermined transaction process by customer operation, An operation display unit; a passbook processing unit that performs a printing process on the inserted passbook; a control unit for receiving and transmitting messages relating to a transaction from and to a host server when a predetermined transaction is selected on a transaction selection screen displayed on the operation display unit; Equipped with when the response message from the host server includes information indicating that the customer's account can be switched to an account without a passbook, displaying on the operation display unit a screen for confirming whether or not the customer wishes to switch to the account without a passbook. A transaction device comprising:

3. A transaction device that performs a predetermined transaction process by customer operation, An operation display unit; a control unit that transmits and receives messages related to the change of the account to and from a host server when a change of the account transaction is selected on the transaction selection screen displayed on the operation display unit; Equipped with When the account change transaction is selected, if a response message from the host server includes information indicating that an account change is possible for the customer, a change confirmation screen is displayed on the operation display unit, allowing the customer to decide whether to confirm or cancel the execution of the account change transaction; After confirmation on the change confirmation screen, the control unit transmits and receives a message regarding the change of the account to and from the host server, When a response message of permission to change the account is received from the host server, the account change transaction is completed. A transaction device comprising:

4. A transaction device that performs a predetermined transaction process by customer operation, An operation display unit; a control unit that transmits and receives messages related to the change of the account to and from a host server when a change of the account transaction is selected on the transaction selection screen displayed on the operation display unit; Equipped with When the account change transaction is selected, if a response message from the host server includes information indicating that an account change is possible for the customer, a change confirmation screen is displayed on the operation display unit; After confirmation on the change confirmation screen, the control unit transmits and receives a message regarding the change of the account to and from the host server, When a response message of permission to change the account is received from the host server, the account change transaction is completed. When the account change transaction on the transaction selection screen is a transaction for changing an account from a non-passbook account to an account with a passbook, a change confirmation screen including a fee for changing to an account with a passbook is displayed on the operation display unit, After confirmation on the change confirmation screen, the control unit transmits and receives a message regarding the change of the account to and from the host server, When a response message for permission to change the account is received from the host server, the new passbook is discharged from the passbook processing unit. A transaction device comprising:

Images