Information processing device, information processing method, and program

Abstract

To improve convenience of a customer who performs a transfer.SOLUTION: Provided is an information processing device including: a transfer history acquisition unit that acquires a transfer history including first transfer source information, first transfer destination information, and a first transfer amount related to previous transfer processing; a transfer request acquisition unit that acquires a transfer request including second transfer source information, second transfer destination information, and a second transfer amount; a determination unit that determines whether the conditions are satisfied that the first transfer source information matches the second transfer source information and the first transfer destination information matches the second transfer destination information; and a processing unit that, based on a determination that the conditions are satisfied, subtracts a first transfer fee corresponding to the first transfer amount from a transfer fee corresponding to a total transfer amount of the first transfer amount and the second transfer amount, thereby calculating a second transfer fee related to the transfer request.SELECTED DRAWING: Figure 2

Description

[Technical field]

[0001] The present invention relates to an information processing device, an information processing method, and a program. [Background technology]

[0002] In recent years, cash processing devices that execute transfer processing based on transfer operations by customers have been installed in various locations. When transferring money using a cash processing device, the customer may need to pay a transfer fee. Various techniques for controlling such transfer fees are known. For example, Patent Document 1 discloses a technique for maintaining the number of free transfer fees paid by a customer when the time between the previous transfer and the current transfer by the customer is shorter than a predetermined time. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2018-18176 A Summary of the Invention [Problem to be solved by the invention]

[0004] However, it would be desirable to provide a technology that can further improve the convenience for customers making transfers.

[0005] Therefore, the present invention has been made in consideration of the above-mentioned situation, and has an object to provide a new and improved information processing device, information processing method, and program that can improve the convenience of customers making transfers. [Means for solving the problem]

[0006] In order to solve the above problem, according to one aspect of the present invention, an information processing device is provided, comprising: a transfer history acquisition unit that acquires a transfer history including first transfer source information, first transfer destination information, and a first transfer amount related to a past transfer process; a transfer request acquisition unit that acquires a transfer request including second transfer source information, second transfer destination information, and a second transfer amount; a determination unit that determines whether a condition is met that the first transfer source information and the second transfer source information match and the first transfer destination information and the second transfer destination information match; and a processing unit that calculates a second transfer fee related to the transfer request by subtracting a first transfer fee corresponding to the first transfer amount from a transfer fee corresponding to the total transfer amount of the first transfer amount and the second transfer amount based on the determination that the condition is met.

[0007] The processing unit may execute a transfer process based on the second transfer source information, the second transfer destination information, the second transfer amount, and the second transfer fee.

[0008] The processing unit may calculate the second transfer fee by adding a predetermined amount to the difference obtained by subtracting the first transfer fee corresponding to the first transfer amount from the transfer fee corresponding to the total transfer amount of the first transfer amount and the second transfer amount.

[0009] In addition, according to another aspect of the present invention, in order to solve the above problem, an information processing method executed by a computer is provided, which includes obtaining a transfer history including first transfer source information, first transfer destination information, and a first transfer amount related to a past transfer process, obtaining a transfer request including second transfer source information, second transfer destination information, and a second transfer amount, determining whether a condition is satisfied that the first transfer source information and the second transfer source information match and the first transfer destination information and the second transfer destination information match, and based on the determination that the condition is satisfied, calculating a second transfer fee related to the transfer request by subtracting a first transfer fee corresponding to the first transfer amount from a transfer fee corresponding to the total transfer amount of the first transfer amount and the second transfer amount.

[0010] In addition, according to another aspect of the present invention, in order to solve the above problem, a program is provided that causes a computer to function as: a transfer history acquisition unit that acquires a transfer history including first transfer source information, first transfer destination information, and a first transfer amount related to a past transfer process; a transfer request acquisition unit that acquires a transfer request including second transfer source information, second transfer destination information, and a second transfer amount; a judgment unit that judges whether a condition is met that the first transfer source information and the second transfer source information match and the first transfer destination information and the second transfer destination information match; and a processing unit that calculates a second transfer fee related to the transfer request by subtracting a first transfer fee corresponding to the first transfer amount from a transfer fee corresponding to the total transfer amount of the first transfer amount and the second transfer amount based on the judgment that the condition is met. Effect of the Invention

[0011] According to the present invention as described above, it is possible to improve the convenience for customers who make transfers. [Brief description of the drawings]

[0012] [Figure 1] FIG. 1 is an explanatory diagram showing a configuration of a cash handling system according to a first embodiment of the present invention. [Diagram 2] FIG. 2 is an explanatory diagram showing an internal configuration of a cash processing device 20 according to the embodiment. [Diagram 3] 13 is a diagram showing an example of the configuration of a transfer fee table 271. FIG. [Figure 4] FIG. 13 is a diagram showing an example of the configuration of transfer history 272. [Diagram 5] 10 is a flowchart showing an operation example of the cash processing device 20 according to the embodiment. [Figure 6] FIG. 11 is an explanatory diagram showing an internal configuration of a cash processing device 30 according to a second embodiment of the present invention. [Figure 7] 13 is a diagram showing an example of the configuration of a transfer fee table 371. FIG. [Figure 8] 10 is a flowchart showing an operation example of the cash processing device 30 according to the embodiment. [Figure 9] FIG. 13 is a diagram showing an example of the configuration of a transfer history 372 according to a modified example. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0013] Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. In this specification and the drawings, components having substantially the same functional configurations are designated by the same reference numerals, and duplicated explanations will be omitted.

[0014] <0. Overview of cash handling devices> In this specification, the embodiment of the present invention will be mainly described as being applied to a cash processing device used in a financial institution. However, the embodiment of the present invention may be widely applied to information processing devices that execute transfer processing. In other words, the embodiment of the present invention may be applied to information processing devices other than cash processing devices.

[0015] Here, a transfer using a general cash processing device will be explained. When a transfer is made using a cash processing device, there may be a limit on the amount that can be transferred at one time. In the following explanation, the limit on the amount that can be transferred at one time will also be simply referred to as the "transfer limit." In particular, when a cash transfer is made using a cash processing device, there are often cases where a transfer limit is set.

[0016] Therefore, in the embodiment of the present invention, it is mainly assumed that a cash transfer is performed using a cash processing device. However, even when a transfer other than a cash transfer is performed using a cash processing device (for example, a card transfer in which a transfer is performed from an account specified based on information read from a card), if a transfer limit is set, the embodiment of the present invention can be applied in the same way as when a cash transfer is performed using a cash processing device.

[0017] For example, assume that the transfer limit for cash transfers using a cash processing device is 100,000 yen. In this case, a customer cannot complete a cash transfer exceeding 100,000 yen in a single cash transfer using the cash processing device, but must complete the transfer by multiple cash transfers using the cash processing device. As an example, a method in which a customer can complete a cash transfer of 120,000 yen in two cash transfers using the cash processing device will be described.

[0018] Here, we assume that when the transfer amount of a cash transfer using a cash processing device is less than 30,000 yen, the transfer fee is 440 yen, and when the transfer amount of a cash transfer using a cash processing device is 30,000 yen or more, the transfer fee is 880 yen.

[0019] First, let us say that the customer specifies a transfer amount of 20,000 yen in the first transfer operation. In this case, since the transfer amount of 20,000 yen is less than 30,000 yen, the customer pays a transfer fee of 440 yen. Next, let us say that the customer specifies the remaining transfer amount of 100,000 yen in the second transfer operation using the cash processing device. In this case, since the transfer amount of 100,000 yen is more than 30,000 yen, the customer pays a transfer fee of 880 yen.

[0020] In other words, by transferring cash in two installments using a cash processing machine, the customer will have to pay a total transfer fee of 1,320 yen (first transfer fee of 440 yen + second transfer fee of 880 yen =). If there was no transfer limit, it would be possible to transfer 120,000 yen in one transaction, and the transfer fee for the transfer amount of 120,000 yen would be just 880 yen, so if there is a transfer limit, the customer will have to pay an extra transfer fee of 440 yen compared to if there was no transfer limit. In other words, the 440 yen transfer fee is a double burden for the customer.

[0021] In this regard, if there is no transfer limit for transfers at a bank counter, the customer can avoid paying double transfer fees by filling out a transfer request form at the bank counter and using the form to transfer the money. However, transfers at a bank counter take time to complete the paperwork, so it is not very convenient for customers. Furthermore, for financial institutions, the more customers who transfer at a bank counter, the greater the burden of paperwork. Therefore, it is desirable to promote the use of cash processing devices by customers.

[0022] As an example, suppose that there is no transfer limit for transfers at a bank branch counter, and the transfer fee is 880 yen regardless of the amount transferred. In such a case, the transfer fee of 880 yen paid by a customer when transferring at a bank branch counter will be lower than the total transfer fee of 1,320 yen paid by a customer when transferring cash in two installments using a cash processing device. In such a case, there is a concern that customer convenience will be reduced and the administrative burden on financial institutions will be increased.

[0023] Therefore, in the cash transfer according to the embodiment of the present invention, it is possible to improve the convenience for customers and reduce the burden of administrative procedures on financial institutions.

[0024] The outline of the cash processing device according to the embodiment of the present invention has been described above.

[0025] <<1. First embodiment>> Next, a first embodiment of the present invention will be described.

[0026] <1.1. Cash handling system configuration> An example of the configuration of a cash handling system according to a first embodiment of the present invention will be described.

[0027] Fig. 1 is an explanatory diagram showing the configuration of a cash handling system according to a first embodiment of the present invention. As shown in Fig. 1, the cash handling system 1 includes a cash processing device 20 and a financial institution host 10.

[0028] (Cash processing device 20) The cash processing device 20 is a customer-operated terminal that executes monetary transactions based on operations by customers of the financial institution. The cash processing device 20 may also be referred to as an automatic transaction device. The cash processing device 20 may typically be an ATM (Automatic Teller Machine). This cash processing device 20 is installed in a variety of facilities such as financial institution branches, convenience stores, train stations, hotels, shopping centers, hospitals, amusement parks, restaurants, and office buildings.

[0029] The cash processing device 20 also includes an operation display unit 22, a receipt discharge port 27, a bill port 28, and a coin port 29. Generally, the cash processing device 20 includes a passbook insertion port, a card insertion port, and the like, but as will be described later, the first embodiment of the present invention mainly assumes a case in which a customer transfers cash using the cash processing device 20. Therefore, the passbook insertion port, the card insertion port, and the like are omitted from FIG.

[0030] (Operation display section 22) The operation display unit 22 has both a display function that displays a guidance screen for customer operations and an operation detection function that detects operations by customers. The display function is realized by, for example, a CRT (Cathode Ray Tube) display device, a liquid crystal display (LCD) device, or an OLED (Organic Light Emitting Diode) device. The operation detection function is realized by, for example, a touch panel, and may include an input function into which information is input by the customer.

[0031] Although FIG. 1 shows an example in which the function of the display unit and the function of the operation detection unit are integrally configured in the cash processing device 20, the function of the display unit and the function of the operation detection unit may be configured separately.

[0032] (Receipt outlet 27) The receipt outlet 27 is an opening for discharging a receipt on which transaction details are printed.

[0033] (Banknote mouth 28) The bill port 28 functions as a port through which customers can deposit bills and a port through which customers can withdraw bills.

[0034] (Coin slot 29) The coin port 29 functions as a port through which customers can deposit coins and a port through which customers can withdraw coins.

[0035] (Dedicated network 12) The private network 12 is a network of a financial institution, and is configured, for example, by an IP-VPN (Internet Protocol-Virtual Private Network). The cash processing device 20 can communicate with the financial institution host 10 via this private network 12.

[0036] (Financial institution host 10) The financial institution host 10 controls various transactions by communicating with the cash processing device 20 via the dedicated network 12. For example, the financial institution host 10 executes monetary transactions (account transaction processing) such as deposits or transfers instructed by customers in the cash processing device 20. The financial institution host 10 manages customer account information (account ledger) including branch name, account title, account number, name, address, deposit balance, etc. Furthermore, the financial institution host 10 can manage transaction history including transaction type and transaction content, etc.

[0037] <1.2. Internal structure of cash processing device> Next, an internal configuration of the cash processing device 20 according to the first embodiment of the present invention will be described.

[0038] Fig. 2 is an explanatory diagram showing an internal configuration of the cash processing device 20 according to the first embodiment of the present invention. As shown in Fig. 2, the cash processing device 20 according to the first embodiment of the present invention includes an operation display unit 22, a communication unit 210, a banknote deposit / withdrawal unit 250, a coin deposit / withdrawal unit 260, a memory unit 270, and a control unit 280.

[0039] (Operation display section 22) 1, the operation display unit 22 has both a function of a display unit that displays a guidance screen for operations by a customer and an operation detection function that detects operations by a customer. The operation detection function of the operation display unit 22 may also include a function of an input unit into which information is input by a customer. The method for realizing the operation detection function may be a resistive film method or an infrared method.

[0040] (Communication unit 210) The communication unit 210 transmits and receives various information to and from the financial institution host 10 via the dedicated network 12. For example, the communication unit 210 transmits information for executing a transaction (transaction type, transaction amount, etc.) to the financial institution host 10.

[0041] (Banknote deposit / withdrawal unit 250) The banknote deposit / withdrawal unit 250 has a banknote transport path, a banknote cassette, and a function for recognizing the validity of banknotes, etc. The coin deposit / withdrawal unit 260 has a coin transport path, a coin cassette, and a function for recognizing the validity of coins, etc.

[0042] (Storage unit 270) The storage unit 270 is a storage medium that stores various information used for the operation of the cash processing device 20, and is configured with a hard disk or a memory. For example, the storage unit 270 stores programs that the control unit 280 uses to control the operation display unit 22, the communication unit 210, the banknote deposit / withdrawal unit 250, the coin deposit / withdrawal unit 260, and the like.

[0043] Storage unit 270 stores transfer fee table 271 and transfer history 272. Below, an example of the configuration of transfer fee table 271 will be described with reference to Fig. 3, and an example of the configuration of transfer history 272 will be described with reference to Fig. 4.

[0044] (Transfer Fee Table 271) Fig. 3 is a diagram showing an example of the configuration of transfer fee table 271. As shown in Fig. 3, transfer fee table 271 is configured by associating transfer amounts with transfer fees according to the transfer amounts.

[0045] In the example shown in Figure 3, the threshold for the transfer amount is "30,000 yen", and when the transfer amount is "less than 30,000 yen", the transfer fee according to the transfer amount is "440 yen", and when the transfer amount is "30,000 yen or more", the transfer fee according to the transfer amount is "880 yen". However, the threshold for the transfer amount is not limited to "30,000 yen". Furthermore, there is no particular limit to the transfer fee associated with the transfer amount.

[0046] (Transfer History 272) Fig. 4 is a diagram showing an example of the configuration of the transfer history 272. As shown in Fig. 4, the transfer history 272 includes, as a transfer history relating to the previous transfer process (the previous transfer process) by the cash processing device 20, transfer source information (first transfer source information), transfer destination information (first transfer destination information), transfer amount (first transfer amount), and transfer fee.

[0047] The transfer source information is information for identifying the transfer source. For example, the transfer source information may include the name of the transfer account holder. The transfer destination information is information for identifying the transfer destination. For example, the transfer destination information may include the name of the transfer destination bank, branch name, account, and account number.

[0048] For example, when a new transfer process is executed in the cash processing device 20, the transfer history 272 stored in the storage unit 270 is updated with the transfer history related to the newly executed transfer process.

[0049] (Control unit 280) The control unit 280 controls the overall operation of the cash processing device 20. For example, the control unit 280 controls the operation of each of the operation display unit 22, the communication unit 210, the banknote deposit / withdrawal unit 250, and the coin deposit / withdrawal unit 260. The control unit 280 includes a transfer history acquisition unit 281, a transfer request acquisition unit 282, a determination unit 283, and a processing unit 284. Examples of the operation of the transfer history acquisition unit 281, the transfer request acquisition unit 282, the determination unit 283, and the processing unit 284 will be described in detail later.

[0050] The internal configuration of the cash processing device 20 according to the first embodiment of the present invention has been described above.

[0051] <1.3. Operation of cash processing device> An operation example of the cash processing device 20 according to the first embodiment of the present invention will be described with reference to Fig. 5. Fig. 5 is a flowchart showing an operation example of the cash processing device 20 according to the first embodiment of the present invention.

[0052] Here, it is assumed that the customer specifies a transfer amount of 20,000 yen in the first transfer operation. At this time, since the transfer amount of 20,000 yen is less than 30,000 yen, a transfer fee of 440 yen corresponding to a transfer amount less than 30,000 yen is obtained from transfer fee table 271, and the transfer process (first transfer process) is executed based on the transfer fee of 440 yen.

[0053] It is also assumed that the transfer source information, transfer destination information, transfer amount, and transfer fee for the first transfer have already been registered in the transfer history 272 (FIG. 4). It is also assumed that the customer is about to transfer the remaining transfer amount of 100,000 yen in the second transfer using the cash processing device 20.

[0054] First, the transfer history acquisition unit 281 acquires the transfer history 272 from the storage unit 270 (S11).

[0055] More specifically, when an operation to select transfer on a transaction selection screen (not shown) displayed by operation display unit 22 is input by the customer and detected by operation display unit 22, a transfer screen (not shown) may be displayed by operation display unit 22. When a customer inputs transfer source information (second transfer source information), transfer destination information (second transfer destination information), and transfer amount (second transfer amount) on the transfer screen (not shown) and detected by operation display unit 22, transfer history acquisition unit 281 may acquire transfer history 272 from storage unit 270.

[0056] Alternatively, the transfer history acquisition unit 281 may acquire the transfer history 272 from the memory unit 270 when a customer inputs an operation to select transfer on a transaction selection screen not shown and this is detected by the operation display unit 22.

[0057] The transfer request acquisition unit 282 acquires the transfer source information, transfer destination information, and transfer amount input by the customer as a transfer request from the operation display unit 22 (S12). The transfer source information input by the customer may include the name of the transferee. The transfer destination information input by the customer may include the name of the transferee's bank, branch name, account, and account number.

[0058] More specifically, the transfer request acquisition unit 282 may acquire the transfer source information, the transfer destination information, and the transfer amount as a transfer request from the operation and display unit 22 based on the transfer source information, the transfer destination information, and the transfer amount input by the customer on a transfer screen (not shown) being detected by the operation and display unit 22. Here, it is assumed that the transfer amount of 100,000 yen is detected by the operation and display unit 22.

[0059] The determination unit 283 determines whether or not a first condition is satisfied, that is, the remittance source information included in the transfer history 272 matches the remittance source information included in the transfer request (S13). More specifically, the determination unit 283 can determine whether or not the first condition is satisfied, depending on whether or not the condition is satisfied, that is, the remittance source name included in the transfer history 272 matches the remittance source name included in the transfer request.

[0060] When the determination unit 283 determines that the first condition is not satisfied (NO in S13), the operation proceeds to S15.

[0061] On the other hand, if the judgment unit 283 judges that the first condition is satisfied ("YES" in S13), it judges whether or not the second condition is satisfied, that is, the transfer destination information included in the transfer history 272 matches the transfer destination information included in the transfer request (S14).

[0062] More specifically, the judgment unit 283 can judge whether the second condition is satisfied depending on whether the following conditions are satisfied: the name of the transfer destination bank included in the transfer history 272 matches the name of the transfer destination bank included in the transfer request, the name of the transfer destination branch included in the transfer history 272 matches the name of the transfer destination branch included in the transfer request, the transfer destination account included in the transfer history 272 matches the transfer destination account included in the transfer request, and the transfer destination account number included in the transfer history 272 matches the transfer destination account number included in the transfer request.

[0063] If the determination unit 283 determines that the second condition is not satisfied ("NO" in S14), the operation proceeds to S15. On the other hand, if the determination unit 283 determines that the second condition is satisfied ("YES" in S14), the operation proceeds to S17. Note that, although an example in which S14 is executed after S13 is shown in FIG. 5, the order in which S13 and S14 are executed is not limited. In other words, S13 may be executed after S14.

[0064] When the operation proceeds to S15, the processing unit 284 obtains the transfer fee corresponding to the transfer amount included in the transfer request from the transfer fee table 271 (S15). The processing unit 284 handles the transfer fee obtained in this manner as the transfer fee related to the transfer request. Then, the operation proceeds to S20.

[0065] When the operation proceeds to S17, the processing unit 284 calculates the total transfer amount of the transfer amount included in the transfer history 272 and the transfer amount included in the transfer request (S17). The processing unit 284 obtains the transfer fee according to the calculated total transfer amount from the transfer fee table 271 (S18).

[0066] More specifically, the processing unit 284 calculates a total transfer amount of 120,000 yen by adding up the transfer amount of 20,000 yen included in the transfer history 272 and the transfer amount of 100,000 yen included in the transfer request. Then, the processing unit 284 obtains a transfer fee of 880 yen corresponding to the total transfer amount of 120,000 yen from the transfer fee table 271.

[0067] Furthermore, the processing unit 284 subtracts the transfer fee (first transfer fee) included in the transfer history 272 from the transfer fee corresponding to the total transfer amount to obtain the difference (S19). The processing unit 284 handles the difference thus obtained as the transfer fee (second transfer fee) related to the transfer request.

[0068] More specifically, the processing unit 284 obtains the difference of 440 yen as the transfer fee related to the transfer request by subtracting the transfer fee of 440 yen included in the transfer history 272 from the transfer fee of 880 yen corresponding to the total transfer amount of 120,000 yen. That is, the transfer fee borne by the customer for the second transfer is reduced to 440 yen so that the total transfer fee for the first and second transfers is 880 yen.

[0069] As an example, assume that the transfer fee borne by the customer when transferring money at a branch counter is 880 yen. In this case, the transfer fee borne by the customer when transferring 120,000 yen using the cash processing device 20 is the same as when transferring 120,000 yen at a branch counter.

[0070] The processing unit 284 calculates the total amount of the transfer amount included in the transfer request and the transfer fee related to the transfer request. Then, based on the fact that the customer has inserted cash equivalent to the total amount into either or both of the banknote port 28 and the coin port 29, the processing unit 284 executes a transfer process (second transfer process) based on the transfer amount included in the transfer request, the transfer fee related to the transfer request, the transfer source information included in the transfer request, and the transfer destination information included in the transfer request (S20).

[0071] For example, the processing unit 284 may execute the transfer process by controlling the communication unit 210 to transmit to the financial institution host 10 transfer data including the transfer amount included in the transfer request, the transfer fee related to the transfer request, the transfer source information included in the transfer request, and the transfer destination information included in the transfer request. At this time, the financial institution host 10 receives the transfer data.

[0072] The financial institution host 10 acquires the transfer destination information included in the transfer request from the transfer data. If the bank name included in the transfer destination information indicates the financial institution host 10, the financial institution host 10 may execute an addition process to add the transfer amount included in the transfer request to the deposit balance corresponding to the branch name, account, and account number included in the transfer destination information of the customer account information managed by the financial institution host 10.

[0073] The financial institution host 10 may then execute a registration process to register data in the transaction history managed by the financial institution host 10 indicating that the transaction type is a transfer, and the transaction details include the transfer amount included in the transfer request, the transfer fee related to the transfer request, the transfer source information included in the transfer request, and the branch name, account, and account number included in the transfer destination information.

[0074] On the other hand, if the bank name included in the transfer destination information indicates another bank, the financial institution host 10 may transmit the transfer data to the financial institution host of the other bank. At this time, the financial institution host of the other bank may perform the above-mentioned addition process on the customer account information that it manages, and may execute the above-mentioned registration process on the transaction history that it manages.

[0075] Furthermore, the processing unit 284 updates the transfer history 272 stored in the storage unit 270 (S21). More specifically, the processing unit 284 updates the transfer history 272 stored in the storage unit 270 with the transfer source information, the transfer destination information, the transfer amount, and the transfer fee related to the executed transfer process.

[0076] An example of the operation of the cash processing device 20 has been described above.

[0077] <1.4.Effects> Generally, when a customer transfers cash using a cash processing device in an amount that exceeds the transfer limit, the customer needs to transfer the cash in multiple installments. When a customer transfers cash multiple times using a general cash processing device, the customer needs to pay transfer fees for each of the multiple cash transfers.

[0078] On the other hand, according to the first embodiment of the present invention, when a customer uses the cash processing device 20 to transfer money to the same transfer destination as the previous transfer destination, the customer only needs to pay the current transfer fee which is the amount obtained by deducting the previous transfer fee from the transfer fee corresponding to the total transfer amount of the previous transfer amount and the current transfer amount.

[0079] As a result, even if a customer transfers cash using the cash processing device 20, there is no need to pay double transfer fees, improving customer convenience and promoting the use of the cash processing device 20 by customers. Furthermore, promoting the use of the cash processing device 20 by customers can reduce the administrative burden on financial institutions.

[0080] The first embodiment of the present invention has been described above.

[0081] <<2. Second embodiment>> Next, a second embodiment of the present invention will be described.

[0082] Generally, when the line used by the cash processing device 20 is a bank-installed line or a fixed-amount line, the line usage fee does not change regardless of how often the cash processing device 20 is used. Therefore, financial institutions can also record the line usage fee as a fixed cost. However, when the line used by the cash processing device 20 adopts a pay-as-you-go system, line usage fee is incurred every time the cash processing device 20 is used. In this case, the lower the transfer fee paid by the customer, the more the financial institution needs to bear this line usage fee.

[0083] For example, if the transfer fee borne by a customer when making a transfer at a branch counter is the same as the transfer fee borne by a customer when making a cash transfer in multiple installments using the cash processing device 20, the financial institution will be required to bear the entire line usage fee. Therefore, in the second embodiment of the present invention, a technique for reducing the line usage fee burden borne by a financial institution will be described.

[0084] <2.1. Cash handling system configuration> A configuration example of a cash handling system according to a second embodiment of the present invention will be described. In the cash handling system according to the second embodiment of the present invention, compared to the cash handling system according to the first embodiment of the present invention, cash handling device 20 is replaced with cash handling device 30 (FIG. 6), and the other configurations are common. Therefore, an explanatory diagram showing the configuration of the cash handling system according to the second embodiment of the present invention will be omitted.

[0085] <2.2. Internal structure of cash processing device> Next, an internal configuration of a cash processing device 30 according to a second embodiment of the present invention will be described.

[0086] Fig. 6 is an explanatory diagram showing the internal configuration of a cash processing device 30 according to a second embodiment of the present invention. As shown in Fig. 6, in comparison with the cash processing device 20 according to the first embodiment of the present invention, the processing unit 284 in the cash processing device 30 according to the second embodiment of the present invention is replaced with a processing unit 384, and the transfer fee table 271 is replaced with a transfer fee table 371, but the other configurations are the same.

[0087] Therefore, in the second embodiment of the present invention, the operation of the processing unit 384 and the configuration of the transfer fee table 371 will be described in detail, and detailed descriptions of other configurations will be omitted. The operation of the processing unit 384 will be described in detail later with reference to FIG.

[0088] (Transfer Fee Table 371) Fig. 7 is a diagram showing an example of the configuration of transfer fee table 371. As shown in Fig. 7, transfer fee table 371, like transfer fee table 271 (Fig. 3) according to the first embodiment of the present invention, has a transfer amount and a transfer fee corresponding to the transfer amount, and further has a line usage fee that is not dependent on the transfer amount. This is a transfer fee that is charged separately when the fee is reduced, and is a predetermined amount. The line usage fee may be the line usage fee per transaction.

[0089] The internal configuration of the cash processing device 30 according to the second embodiment of the present invention has been described above.

[0090] <2.3. Operation of cash processing device> An operation example of the cash processing device 30 according to the second embodiment of the present invention will be described with reference to Fig. 8. Fig. 8 is a flowchart showing an operation example of the cash processing device 30 according to the second embodiment of the present invention.

[0091] As shown in Fig. 8, an operation example of the cash processing device 30 according to the second embodiment of the present invention is the same as the operation example of the cash processing device 20 according to the first embodiment of the present invention (Fig. 5) except that S19 is replaced with S22. Therefore, S22 will be described in detail here, and detailed descriptions of the other operations will be omitted.

[0092] The processing unit 384 obtains the line usage fee from the transfer fee table 371, and calculates an additional amount for the line usage fee and the difference obtained by subtracting the transfer fee included in the transfer history 272 from the transfer fee corresponding to the total transfer amount. The processing unit 384 handles the additional amount obtained in this way as the transfer fee related to the transfer request (second transfer fee).

[0093] More specifically, the processing unit 284 calculates a total amount of 490 yen by subtracting the transfer fee of 440 yen included in the transfer history 272 from the transfer fee of 880 yen corresponding to the total transfer amount of 120,000 yen, and adding the line usage fee of 50 yen to the difference of 440 yen. The processing unit 284 obtains the calculated additional amount of 490 yen as the transfer fee related to the transfer request. In other words, the customer pays a total transfer fee of 930 yen, consisting of the first transfer fee of 440 yen and the second transfer fee of 490 yen.

[0094] As an example, assume that the transfer fee borne by the customer when transferring money at a branch counter is 880 yen. In this case, the transfer fee borne by the customer when transferring 120,000 yen in cash using the cash processing device 20 is (930 yen - 880 yen =) 50 yen higher than the transfer fee borne by the customer when transferring 120,000 yen at a branch counter.

[0095] However, by having the customer pay the line usage fee, the financial institution can eliminate the line usage fee burden. Furthermore, the total transfer fee of 930 yen paid by the customer is lower than the total transfer fee of 1,320 yen paid by the customer when transferring 120,000 yen in two installments using a general cash processing device, improving customer convenience.

[0096] An example of the operation of the cash processing device 30 has been described above.

[0097] <2.4.Effects> According to the second embodiment of the present invention, the customer pays the transfer fee, which takes into account the line usage fee, so that it is possible to reduce the line usage fee burden on financial institutions.

[0098] Furthermore, according to the second embodiment of the present invention, the transfer fee borne by the customer when transferring cash using the cash processing device 30 remains lower than the transfer fee borne by the customer when transferring cash using a general cash processing device. Therefore, according to the second embodiment of the present invention, customer convenience is improved and the use of the cash processing device 30 by customers is promoted. Furthermore, the promotion of the use of the cash processing device 30 by customers can reduce the administrative burden on financial institutions.

[0099] The second embodiment of the present invention has been described above.

[0100] <<3. Modifications>> Although the preferred embodiment of the present invention has been described in detail above with reference to the accompanying drawings, the present invention is not limited to such an example. It is clear that a person having ordinary knowledge in the technical field to which the present invention pertains can conceive of various modified or altered examples within the scope of the technical ideas described in the claims, and it is understood that these also naturally belong to the technical scope of the present invention.

[0101] For example, each step in the processing of the cash processing device 20 in this specification does not necessarily have to be processed in chronological order according to the order described in the flowchart. For example, each step in the processing of the cash processing device 20 may be processed in an order different from the order described in the flowchart, or may be processed in parallel.

[0102] It is also possible to create a computer program for causing hardware such as a CPU, a ROM, and a RAM built into the cash processing device 20 to perform functions equivalent to those of the respective components of the cash processing device 20 described above. Also provided is a storage medium having the computer program stored therein.

[0103] In the first embodiment and the second embodiment of the present invention, it is mainly assumed that the transfer history relating to the immediately previous transfer process is stored in the storage unit 270 as the transfer history 272. However, it is sufficient if the past transfer history is stored in the storage unit 270 as the transfer history 272. As an example of the past transfer history, the transfer history relating to the transfer processes from one to n times back (n is an integer of 2 or more) may be stored in the storage unit 270. Such a modified example will be explained with reference to FIG. 9.

[0104] Fig. 9 is a diagram showing an example of the configuration of a transfer history 372 according to a modified example. As shown in Fig. 9, the transfer history 372 according to the modified example includes transfer history relating to transfer processes from one to n times back (n is an integer of 2 or more). Each transfer history includes transfer source information, transfer destination information, transfer amount, and transfer fee.

[0105] At this time, the judgment unit 283 may judge whether or not the condition is met that each of the transfer source information related to the transfer processes from one before to k times before (k is an integer satisfying 1≦k≦n) matches the transfer source information included in the transfer request, and each of the transfer destination information related to the transfer processes from one before to k times before matches the transfer destination information included in the transfer request.

[0106] Then, when the determination unit 283 determines that the condition is satisfied, the processing unit 284 may calculate the total transfer amount of the transfer amounts related to the transfer processes from one to k times before and the transfer amount included in the transfer request. The transfer process based on the total transfer amount calculated by the processing unit 284 may be executed in the same manner as the transfer process in the first embodiment and the second embodiment of the present invention. [Explanation of symbols]

[0107] 10 Financial Institution Host 12 Dedicated Network 20 Cash handling equipment 22 Operation display section 27 Receipt outlet 28 Bill slot 29 Coin slot 210 Communications Department 250 Banknote deposit and withdrawal section 260 Coin deposit and withdrawal section 270 Storage section 271, 371 Transfer Fee Table 272, 372 Transfer history 280 Control Unit 281 Transfer History Acquisition Department 282 Transfer Request Acquisition Department 283 Judgment Department 284, 384 Processing section

Claims

1. a transfer history acquisition unit that acquires a transfer history including first transfer source information, first transfer destination information, and a first transfer amount relating to a past transfer process; a transfer request acquisition unit that acquires a transfer request including second transfer source information, second transfer destination information, and a second transfer amount; a determination unit that determines whether a condition is satisfied that the first transfer source information and the second transfer source information match, and the first transfer destination information and the second transfer destination information match; a processing unit that calculates a second transfer fee related to the transfer request by subtracting a first transfer fee corresponding to the first transfer amount from a transfer fee corresponding to a total transfer amount of the first transfer amount and the second transfer amount based on the determination that the condition is satisfied; An information processing device comprising:

2. the processing unit executes a transfer process based on the second transfer source information, the second transfer destination information, the second transfer amount, and the second transfer fee; The information processing device according to claim 1 .

3. the processing unit calculates, as the second transfer fee, an amount obtained by subtracting the first transfer fee corresponding to the first transfer amount from the transfer fee corresponding to the total transfer amount of the first transfer amount and the second transfer amount, and adding a predetermined amount to the difference.

3. The information processing device according to claim 1 or 2.

4. Acquiring a transfer history including first transfer source information, first transfer destination information, and a first transfer amount relating to a past transfer process; acquiring a transfer request including second transfer source information, second transfer destination information, and a second transfer amount; Determining whether a condition is satisfied that the first transfer source information and the second transfer source information match, and the first transfer destination information and the second transfer destination information match; calculating a second transfer fee related to the transfer request by subtracting a first transfer fee corresponding to the first transfer amount from a transfer fee corresponding to a total transfer amount of the first transfer amount and the second transfer amount based on the determination that the condition is satisfied; 2. An information processing method implemented by a computer, comprising:

5. Computer, a transfer history acquisition unit that acquires a transfer history including first transfer source information, first transfer destination information, and a first transfer amount relating to a past transfer process; a transfer request acquisition unit that acquires a transfer request including second transfer source information, second transfer destination information, and a second transfer amount; a determination unit that determines whether a condition is satisfied that the first transfer source information and the second transfer source information match, and the first transfer destination information and the second transfer destination information match; a processing unit that calculates a second transfer fee related to the transfer request by subtracting a first transfer fee corresponding to the first transfer amount from a transfer fee corresponding to a total transfer amount of the first transfer amount and the second transfer amount based on the determination that the condition is satisfied; A program that functions as a

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