Transaction system

Abstract

To shorten the occupancy time of an automatic transaction device when continuously executing transactions.SOLUTION: In a transaction system 100 including a portable terminal device 4 and an automatic transaction device 1, the portable terminal device 4 displays an identification code 431 including information on two or more transaction contents continuously performed by the automatic transaction device 1, and the automatic transaction device 1 reads the identification code 431 displayed by the portable terminal device 4, and continuously performs each transaction content based on the information on the two or more transaction contents included in the read identification code 431.SELECTED DRAWING: Figure 8

Description

[Technical Field]

[0001] The present invention relates to a trading system. [Background technology]

[0002] 2. Description of the Related Art Automatic teller machines (ATMs) that are widely used in financial institutions and the like execute a continuous transaction method that combines two or more transactions depending on the usage status of the user.

[0003] For example, a transaction selection method for an automated teller machine that displays a selection order identifier indicating the order in which the transactions were selected and executes each transaction sequentially according to the order in which they were selected has been disclosed as a method for consecutive transactions that combine two or more transactions (see, for example, Patent Document 1). Also, a transaction processing method has been disclosed in which card information stored in a card includes information such as a transaction pattern that registers multiple transactions to be processed consecutively (see, for example, Patent Document 2). [Prior art documents] [Patent documents]

[0004] [Patent Document 1] Japanese Patent Application Publication No. 09-237368 [Patent Document 2] Japanese Patent Application Laid-Open No. 2009-129071 Summary of the Invention [Problem to be solved by the invention]

[0005] However, in the conventional technology, when consecutive transactions are carried out, it is necessary to operate the automated teller machine at least once before starting each transaction to register the transaction information. Also, in the conventional technology, since the transactions are simply carried out consecutively, the time that the automated teller machine occupies is not significantly reduced compared to when a user carries out consecutive transactions himself.

[0006] In view of the above-mentioned problems, an object of the present invention is to provide a transaction system that can reduce the occupancy time of an automated transaction device when transactions are carried out consecutively. [Means for solving the problem]

[0007] In order to achieve the above-mentioned object, the trading system of the present invention is a trading system comprising a mobile terminal device and an automatic transaction device, wherein the mobile terminal device displays an identification code containing information on two or more transaction contents to be carried out consecutively by the automatic transaction device, and the automatic transaction device reads the identification code displayed by the mobile terminal device and carries out each transaction content consecutively based on the information on the two or more transaction contents contained in the read identification code. [Effects of the Invention]

[0008] According to the present invention, the time taken by an automated transaction device to perform consecutive transactions can be reduced. [Brief explanation of the drawings]

[0009] [Figure 1] FIG. 1 is a diagram showing the usage state of a trading system according to an embodiment of the present invention. [Figure 2] FIG. 2 is a block diagram showing an example of a hardware configuration of an automatic transaction device. [Figure 3] FIG. 2 illustrates an example of a hardware configuration of a host computer. [Figure 4] FIG. 2 is a diagram illustrating an example of a hardware configuration of a mobile terminal device. [Figure 5] FIG. 2 is a diagram illustrating an example of a hardware configuration of a transaction terminal device. [Figure 6] 10 is a flowchart illustrating an example of a transaction process executed in a mobile terminal device. [Figure 7] FIG. 10 is a diagram showing an example of a transaction statement. [Figure 8] FIG. 10 is a diagram showing an example of an identification code display screen including an identification code. [Figure 9]FIG. 2 is a diagram showing an example of a sequence chart of a transaction process executed in a transaction system. [Figure 10] FIG. 2 is a diagram showing an example of a sequence chart of a transaction process executed in a transaction system. [Figure 11] FIG. 10 is a diagram showing an example of a transaction start screen displayed on a display unit. [Figure 12] FIG. 10 is a diagram showing an example of a transaction details screen including a transaction details table displayed on the display unit. [Figure 13] FIG. 10 is a diagram showing a modified example of a transaction details screen including a transaction details table displayed on the display unit. [Figure 14] FIG. 10 is a diagram showing an example of a bankbook on which transaction details corresponding to transaction types included in a transaction statement are printed. DETAILED DESCRIPTION OF THE INVENTION

[0010] The present embodiment will be described below with reference to the drawings. Note that each embodiment can be implemented in combination with a plurality of other embodiments within a range that does not contradict each other.

[0011] A trading system 100 according to this embodiment will be described. FIG. 1 is a diagram showing the usage state of the trading system 100 according to this embodiment. The trading system 100 comprises an automatic teller machine (ATM) 1, a host computer 3, a mobile terminal device 4, and a trading terminal device 5. The trading system 100 may have a configuration other than the components shown in FIG. 1. The automatic teller machine 1 and the host computer 3 are connected via a network N.

[0012] The automated teller machine 1 and the host computer 3 may be connected by a dedicated line. The host computer 3 is an example of a server. The mobile terminal device 4 is configured by a smartphone. The mobile terminal device 4 is not limited to a smartphone, and may be any terminal that the user of the automated teller machine 1 can freely carry around, such as a tablet terminal or a notebook PC (Personal Computer).

[0013] The transaction terminal device 5 is configured by a PC that can be used by a user. The transaction terminal device 5 is not limited to a PC, and may be any terminal that allows a user of the automated transaction device 1 to freely input transaction details, such as a smartphone, tablet terminal, or laptop PC. The transaction terminal device 5 and the mobile terminal device 4 are connected to each other wirelessly or via a wired connection so that they can communicate with each other. For example, the transaction terminal device 5 and the mobile terminal device 4 are connected to each other so that they can communicate with each other via Bluetooth (registered trademark), wireless LAN, Ethernet (registered trademark), or the like.

[0014] The mobile terminal device 4 has a function of displaying an identification code. The identification code displayed by the mobile terminal device 4 includes information on the contents of two or more transactions to be carried out successively by the automated transaction apparatus 1.

[0015] 2 is a block diagram showing an example of the hardware configuration of the automated transaction apparatus 1. The automated transaction apparatus 1 has an ATM control unit 10, a memory unit 11, a display unit 12, an input unit 13, a passbook processing unit 14, a card processing unit 15, a banknote processing unit 16, a coin processing unit 17, a transaction card issuing unit 18, a receipt issuing unit 19, a reading unit 20, and a communication unit 21. The automated transaction apparatus 1 may have other circuit configurations not shown in FIG. 2.

[0016] The ATM control unit 10 controls the entire automated transaction apparatus 1, and includes a CPU (Central Processing Unit) that reads programs and executes control processes.

[0017] The storage unit 11 includes a RAM (Random Access Memory), a ROM (Read Only Memory), an HDD (Hard Disk Drive), an SSD (Solid State Drive), etc. The storage unit 11 stores programs executed by the ATM control unit 10, display screen data, and various other data. The storage unit 11 also provides a working area for the ATM control unit 10 when executing programs.

[0018] The display unit 12 is, for example, a liquid crystal display (LCD) or an organic electroluminescence (EL) display, and displays an operation screen or the like to a user who operates the automated teller machine 1 under the control of the ATM control unit 10.

[0019] The input unit 13 accepts data input based on the operation of the user of the automated transaction device 1. It accepts input of information on the contents of two or more transactions to be carried out consecutively by the automated transaction device 1. The input unit 13 is composed of a keyboard, mouse, touch panel, etc. The user can operate the input unit 13 to input a personal identification number, selection of transaction type, withdrawal / deposit amount, etc. The information input by the user is notified to the ATM control unit 10.

[0020] The passbook processing unit 14 has a passbook transport unit, a passbook sensor, a printing unit, and an MS recording and reproducing unit. The passbook transport unit transports a passbook inserted into a passbook entrance / exit provided on the front of the automatic transaction apparatus 1 into the interior of the automatic transaction apparatus 1, and also ejects a passbook inserted into the interior of the automatic transaction apparatus 1 from the passbook entrance / exit. The passbook sensor is installed near the passbook entrance / exit and detects the insertion or ejection of a passbook into or from the passbook entrance / exit. The passbook processing unit 14 notifies the ATM control unit 10 of the insertion or ejection of a passbook detected by the passbook sensor. The printing unit prints the details of the transaction on the passbook transported into the interior of the automatic transaction apparatus 1. The MS recording and reproducing unit reads and writes data from the magnetic stripe affixed to the passbook.

[0021] The card processing unit 15 has a card transport unit, a card sensor, a printing unit, a chip recording / reproducing unit, and an MS recording / reproducing unit. The card transport unit transports a card inserted into a card slot provided on the front of the automated transaction apparatus 1 into the automated transaction apparatus 1, and also ejects a card inserted into the automated transaction apparatus 1 from the card slot. The card sensor is installed near the card slot and detects the insertion or ejection of a card into or from the card slot. The card processing unit 15 notifies the ATM control unit 10 of the insertion or ejection of a card detected by the card sensor. The chip recording / reproducing unit reads and writes data from and to the IC chip of the IC card. The MS recording / reproducing unit reads and writes data from the magnetic stripe of the transaction card. In this embodiment, the card processing unit 15 performs processing on the IC card and the transaction card.

[0022] The banknote processing unit 16 includes an escrow unit that temporarily stores banknotes, a banknote validator that validates the authenticity of banknotes, a banknote stacker that stores banknotes by type, a banknote box that stores banknotes that are left behind after the shutter of the banknote inlet / outlet is released, and a transport path that transports banknotes between the banknote inlet / outlet, the escrow unit, the banknote validator, the banknote stacker, and the banknote box. The banknote processing unit 16 includes a banknote quantity sensor that detects the amount of banknotes in the banknote stacker. The banknote processing unit 16 detects the amount of banknotes in the banknote stacker using the banknote quantity sensor and notifies the ATM control unit 10.

[0023] The coin processing unit 17 has a coin discriminating unit that discriminates the authenticity of coins, a coin stacker that stores coins by type, a coin box that stores coins that are left behind after the coin inlet / outlet shutter is released, and a transport path that transports coins between the coin inlet / outlet and the coin discriminating unit, the coin stacker, and the coin box. The coin processing unit 17 has a coin quantity sensor that detects the amount of coins in the coin stacker. The coin processing unit 17 detects the amount of coins in the coin stacker using the coin quantity sensor and notifies the ATM control unit 10.

[0024] During the dispensing process, the banknote processing unit 16 and the coin processing unit 17 count the required banknotes and coins, remove them from the banknote stacker and coin stacker, transport them to the banknote outlet and coin outlet, and after transporting them, open the shutters of the banknote outlet and coin outlet.

[0025] The transaction card issuing unit 18 has a card stacker, an MS recording unit, a printing unit, and a card transport unit. The card stacker stores multiple blank cards. The blank cards are transaction cards before transaction data is written to them. The MS recording unit writes the transaction data to the magnetic stripe affixed to the blank card. The printing unit prints the transaction details on the surface of the blank card. After the transaction data has been written by the MS recording unit and the transaction details have been printed by the printing unit, the transaction card is ejected from the card slot by the card transport unit.

[0026] The receipt issuing unit 19 includes a receipt printing mechanism and a receipt transport mechanism, and issues a receipt medium, on which the details of the transaction carried out by the user are printed, to the user by ejecting it from the receipt ejection port.

[0027] The reading unit 20 reads the identification code displayed by the mobile terminal device 4. The reading unit 20 reads the identification code displayed by the mobile terminal device 4 based on, for example, an image captured by an imaging device. The imaging device may be, for example, a surveillance camera of the automated teller machine 1. Because a surveillance camera is an essential component of an existing automated teller machine 1, it is possible to read the identification code without providing a separate imaging device. Therefore, the transaction system 100 according to this embodiment can be applied to an existing automated teller machine 1, thereby reducing the occupancy time of the automated teller machine 1 when performing consecutive transactions without increasing the manufacturing cost of the automated teller machine 1. In this embodiment, the automated teller machine 1 reads a two-dimensional code as the identification code. More preferably, the automated teller machine 1 reads a QR code (registered trademark) as the two-dimensional code. The identification code is not limited to a two-dimensional code and may be a one-dimensional code such as a barcode. The two-dimensional code is not limited to a QR code and may be a CP code, PDF417, or the like.

[0028] The communication unit 21 exchanges data (messages) with the host computer 3 via the network N.

[0029] FIG. 3 is a diagram illustrating an example of the hardware configuration of the host computer 3. As shown in FIG.

[0030] The host computer 3 is configured by a server including a control unit 31, a memory unit 32, a display unit 33, an input unit 34, and a communication unit 35. One host computer 3 is sufficient for the automated transaction device 1, but this is not limited thereto, and multiple host computers 3 may be provided for each automated transaction device 1 or each financial institution.

[0031] The control unit 31 has overall control over the entire host computer 3, and includes a CPU that reads programs and executes control processes. The control unit controls the overall operation of the host computer 3 by expanding programs stored in the RAM, ROM, HDD, SSD, etc. of the storage unit 32 into the RAM of the storage unit 32 and sequentially executing them. The control unit 31 controls the overall operation of the host computer 3 by executing various programs such as OS programs and application programs.

[0032] The storage unit 32 is a RAM, ROM, HDD, SSD, or the like, and stores the program executed by the control unit 31, information transmitted from the automated transaction apparatus 1, information on transaction details, various setting information, and the like.

[0033] The display unit 33 is, for example, a liquid crystal display or an organic EL display, and displays an operation screen or the like to an operator who operates the host computer 3 under the control of the control unit 31.

[0034] The input unit 34 accepts data input based on the operation of the user of the host computer 3. The input unit 34 is composed of a keyboard, a mouse, a touch panel, etc. The input information is notified to the control unit 31.

[0035] The communication unit 35 communicates with other terminals via a network N such as the Internet under the control of the control unit 31. The communication with other terminals is performed via wired communication or wireless communication such as Wi-Fi (registered trademark) or Bluetooth. For example, the communication unit 35 communicates with the automated transaction apparatus 1 via the network N under the control of the control unit 31. The communication unit 35 is, for example, a network adapter.

[0036] FIG. 4 is a diagram illustrating an example of the hardware configuration of the mobile terminal device 4. As shown in FIG.

[0037] The mobile terminal device 4 is configured as a terminal that can be carried by a user, such as a smartphone, that includes a control unit 41, a storage unit 42, a display unit 43, an input unit 44, and a communication unit 45. One mobile terminal device 4 is sufficient for each user of the automated transaction device 1, but this is not limited thereto, and multiple mobile terminal devices 4 may be provided for each user or each company that uses the automated transaction device 1.

[0038] The control unit 41 has overall control over the entire mobile terminal device 4, and includes a CPU that reads programs and executes control processes. The control unit controls the operation of the entire mobile terminal device 4 by expanding programs stored in the RAM, ROM, HDD, SSD, etc. of the storage unit 42 into the RAM of the storage unit 42 and sequentially executing them. The control unit 41 controls the operation of the entire mobile terminal device 4 by executing various programs such as OS programs and application programs.

[0039] The storage unit 42 is a RAM, ROM, HDD, SSD, or the like, and stores the programs executed by the control unit 41, information input to the mobile terminal device 4, information on transaction details, various setting information, and the like.

[0040] The display unit 43 is, for example, a liquid crystal display or an organic electroluminescence (EL) display, and displays an operation screen or the like to a user operating the mobile terminal device 4 under the control of the control unit 41. The display unit 43 also displays an identification code including information on the contents of two or more transactions to be carried out successively at the automated transaction apparatus 1. In this embodiment, the mobile terminal device 4 displays a two-dimensional code as the identification code. More preferably, the mobile terminal device 4 displays a QR code as the two-dimensional code. The identification code is not limited to a two-dimensional code, and may be a one-dimensional code such as a barcode. The two-dimensional code is not limited to a QR code, and may be a CP code, PDF417, or the like.

[0041] The input unit 44 accepts data input based on the operation of the user of the mobile terminal device 4. It accepts input of information on the contents of two or more transactions to be carried out consecutively by the automated transaction device 1. The input unit 44 is composed of a keyboard, a mouse, a touch panel, etc. The input information is notified to the control unit 41.

[0042] The communication unit 45 communicates with other terminals via a network N such as the Internet under the control of the control unit 41. The communication with other terminals is performed via wired communication or wireless communication such as Wi-Fi or Bluetooth. For example, the communication unit 45 communicates with the transaction terminal device 5 via the network N under the control of the control unit 41. The communication unit 45 is, for example, a network adapter.

[0043] FIG. 5 is a diagram showing an example of the hardware configuration of the transaction terminal device 5. As shown in FIG.

[0044] The transaction terminal device 5 is composed of a terminal into which a user can input transaction details, such as a PC, which has a control unit 51, a memory unit 52, a display unit 53, an input unit 54, and a communication unit 55. One transaction terminal device 5 is sufficient for each user of the automated transaction device 1, but this is not limited to this, and multiple devices may be provided for each user or each company that uses the automated transaction device 1.

[0045] Control unit 51 comprehensively controls the entire transaction terminal device 5, and has a CPU that reads programs and executes control processing. Control unit 51 controls the overall operation of transaction terminal device 5 by expanding programs stored in RAM, ROM, HDD, SSD, etc. of storage unit 52 into RAM of storage unit 52 and sequentially executing them. Control unit 51 controls the overall operation of transaction terminal device 5 by executing various programs such as OS programs and application programs.

[0046] The storage unit 52 is a RAM, ROM, HDD, SSD, or the like, and stores the programs executed by the control unit 51, information input to the transaction terminal device 5, information on transaction details, various setting information, and the like.

[0047] The display unit 53 is, for example, a liquid crystal display or an organic EL display, and displays an operation screen or the like to a user who operates the transaction terminal device 5 under the control of the control unit 51.

[0048] The input unit 54 accepts data input based on the operation of the user of the transaction terminal device 5. It accepts input of information on the contents of two or more transactions to be carried out consecutively by the automated transaction device 1. The input unit 54 is composed of a keyboard, a mouse, a touch panel, etc. The input information is notified to the control unit 51.

[0049] The communication unit 55 communicates with other terminals via a network N such as the Internet under the control of the control unit 51. The communication with other terminals is performed via wired communication or wireless communication such as Wi-Fi or Bluetooth. For example, the communication unit 55 communicates with the mobile terminal device 4 via the network N under the control of the control unit 51. The communication unit 55 is, for example, a network adapter.

[0050] FIG. 6 is an example of a flowchart showing a transaction process executed in the mobile terminal device 4.

[0051] First, the mobile terminal device 4 accepts input of the details of each transaction to be carried out successively (step S101). The details of each transaction to be carried out successively indicate the details of transactions that the user wishes to carry out at the automated transaction device 1, and include withdrawal processing, deposit processing, transfer processing, and the like. The details of each transaction are not limited to the listed processes, and may include other processes that can be carried out at the automated transaction device 1. In this embodiment, a withdrawal processing and a deposit processing will be described as the details of each transaction to be carried out successively.

[0052] The mobile terminal device 4 determines whether or not all transaction details have been input (step S102). The transaction details received by the mobile terminal device 4 include information on the transaction order, transaction type, amount, and summary.

[0053] The transaction order is an identification number that uniquely identifies the order of each transaction content (transaction type). Each transaction content is carried out according to the transaction order. The transaction order is automatically assigned in the order in which the transaction content input is received. The mobile terminal device 4 can also receive input of the transaction order. When the mobile terminal device 4 receives input of the transaction order, it rearranges the order in which the transaction content is executed according to the received transaction order. This allows the user to carry out transactions in any order, making transactions more convenient.

[0054] The transaction type is information indicating the type of transaction content. Transaction types include withdrawals, deposits, etc. The transaction type is not limited to withdrawals and deposits, and may include transaction types other than withdrawals and deposits.

[0055] The summary is information showing details of the transaction content, including the date of the corresponding transaction, the purpose, the transaction subject, the transaction method, the payment method, etc.

[0056] The mobile terminal device 4 can determine whether input of all transaction details has been accepted by accepting the selection of a complete button (not shown). Whether input of all transaction details has been accepted may also be determined by whether no input has been accepted for a predetermined period of time since the last transaction detail input was accepted. If input of all transaction details has not been accepted (step S102: NO), the process returns to step S101, and steps S101 and S102 are repeated until input of all transaction details has been accepted. If input of all transaction details has been accepted (step S102: YES), the mobile terminal device 4 creates a transaction statement based on the accepted transaction details (step S103).

[0057] FIG. 7 is a diagram showing an example of a transaction statement 200. The transaction statement 200 includes information on the transaction order, transaction type, amount, and summary. In the embodiment shown in FIG. 7, five transaction details are accepted. As the five transaction details, the mobile terminal device 4 accepts one withdrawal transaction and four deposit transaction details.

[0058] In the embodiment shown in FIG. 7, when the mobile terminal device 4 accepts input of transaction details, it accepts input of the transaction details for a "withdrawal" process, the amount of "5,000 yen," and the summary of "2023 / 10 / 30 gasoline" as the transaction type corresponding to transaction order "1." Next, when the mobile terminal device 4 accepts input of transaction details, it accepts input of the transaction details for a "deposit" process, the amount of "7,000 yen," and the summary of "2023 / 11 / 02 shoes A credit" as the transaction type corresponding to transaction order "2." The same applies to transaction orders "3," "4," and "5," so explanations will be omitted.

[0059] The mobile terminal device 4 creates an identification code based on the created transaction statement (step S104). In this embodiment, the mobile terminal device 4 creates a QR code as the identification code, but this is not limited thereto, and any two-dimensional code that can be read by the automated transaction apparatus 1, such as a CP code or PDF417, may be created.

[0060] The mobile terminal device 4 determines whether or not an instruction to display the identification code has been received (step S105). Whether or not an instruction to display the identification code has been received can be determined by receiving selection of a display button (not shown). If an instruction to display the identification code has not been received (step S105: NO), the process waits until an instruction to display the identification code is received.

[0061] The identification code is displayed in front of the automated teller machine 1. Therefore, when the user stands in front of the automated teller machine 1, an instruction to display the identification code is accepted. If an instruction to display the identification code is accepted (step S105: YES), the mobile terminal device 4 displays an identification code display screen 430 including an identification code 431 on the display unit 43 (step S106).

[0062] 8 is a diagram showing an example of an identification code display screen 430 including an identification code 431. The identification code display screen 430 displays the identification code 431 and a message 432 instructing the user to hold the identification code over the automated teller machine 1. Upon seeing the message 432 on the identification code display screen 430, the user holds the identification code 431 over the automated teller machine 1. The identification code 431 is read by the automated teller machine 1, and therefore information on two or more transactions to be carried out at the automated teller machine 1 can be transmitted to the automated teller machine 1 by the identification code 431.

[0063] Next, a trading method executed in the trading process will be described. Figures 9 and 10 are diagrams showing an example of a sequence chart of the trading process executed in the trading system 100.

[0064] Before the start of transaction processing, the automated transaction device 1 displays a transaction start screen 300 on the display unit 12. Fig. 11 is a diagram showing an example of the transaction start screen 300 displayed on the display unit 12. In addition to various transaction buttons 301A to 301H, the transaction start screen 300 also displays a continuous transaction reception button 302.

[0065] First, the automated teller machine 1 determines whether or not a selection of a consecutive transaction has been accepted (step S201). The determination of whether or not a selection of a consecutive transaction has been accepted is based on whether or not a touch operation on the consecutive transaction acceptance button 302 on the transaction start screen 300 has been accepted, based on the touch operation of the user of the automated teller machine 1. If a touch operation on the consecutive transaction acceptance button 302 has not been accepted (step S201: NO), the processing will be put on hold. If a touch operation on the various transaction buttons 301A to 301H has been accepted, a transaction process corresponding to the various transaction buttons 301A to 301H is executed. The transaction process corresponding to the various transaction buttons 301A to 301H is the same as the process in the existing automated teller machine 1, and therefore a description thereof will be omitted.

[0066] When the selection of consecutive transactions is accepted, i.e., when a touch operation on the consecutive transaction acceptance button 302 is accepted (step S201: YES), the automatic transaction device 1 reads the identification code 431 displayed on the mobile terminal device 4 using the reading unit 20 as shown in Figure 8 (step S202).

[0067] The automated transaction device 1 displays a transaction details screen 321 including the transaction statement 311 on the display unit 12 based on the transaction details read from the identification code 431 (step S203). Figure 12 is a diagram showing an example of the transaction details screen 321 including the transaction statement 311 displayed on the display unit 12.

[0068] As shown in FIG. 12, transaction details screen 321 includes transaction details table 311 and confirmation button 331. Transaction details table 311 displays the transaction order, transaction type, amount, and summary included in identification code 431. Transaction details table 311 also displays the total withdrawal amount and total deposit amount corresponding to the withdrawal and deposit. By making the total withdrawal amount and total deposit amount easily visible to the user, the user of automated transaction device 1 can easily grasp the amounts when consecutive transactions are performed, allowing them to perform transactions with peace of mind.

[0069] Figure 13 is a diagram showing a modified example of a transaction details screen 321 including a transaction details table 311 displayed on the display unit 12. If the transaction details included in the transaction details table 311 cannot fit on a single screen page, the transaction details table 311 may be displayed in a transitional manner across two or more transaction details screens 321, as shown in Figure 13. This allows the user of the automated transaction device 1 to easily check the transaction details even when executing multiple transactions, and reduces the time the automated transaction device 1 is occupied when executing consecutive transactions.

[0070] The automated teller machine 1 determines whether or not it has accepted the selection of the confirmation button 331 (step S204). If it has not accepted the selection of the confirmation button 331 (step S204: NO), it puts the process on hold until it accepts the selection of the confirmation button 331. If it has accepted the selection of the confirmation button 331 (step S204: YES), the automated teller machine 1 accepts the insertion of a card through the card processing unit 15 and accepts account information linked to the card (step S205). Then, the automated teller machine 1 accepts the input of a PIN based on an input operation by the user on the input unit 13 (step S206). Upon accepting the input of the PIN, the automated teller machine 1 accepts the insertion of a passbook through the passbook processing unit 14 (step S207).

[0071] The automated transaction device 1 transmits a message including the accepted account information and the personal identification number to the host computer 3 (step S208).

[0072] When the automated transaction apparatus 1 transmits a message including the account information and the PIN, the host computer 3 receives the message including the account information and the PIN (step S209). The host computer 3 authenticates whether the PIN included in the received message is correct (step S210). The host computer 3 transmits a message including the authentication result of the PIN authenticated in step S210 to the automated transaction apparatus 1 (step S211).

[0073] When the host computer 3 sends the message including the result of authentication of the personal identification number, the automated transaction device 1 receives the message including the result of authentication of the personal identification number by the host computer 3 (step S212).

[0074] The automated teller machine 1 calculates the total deposit amount and the total withdrawal amount from the transaction statement 311 created based on the identification code 431 read in step S202 (step S213). For example, referring to the transaction statement 311 shown in FIG. 12, the only withdrawal amount included in the transaction statement 311 is "5,000 yen," so the automated teller machine 1 calculates the total withdrawal amount as "5,000 yen." Also, referring to the transaction statement 311 shown in FIG. 12, the deposited amounts included in the transaction statement 311 are "7,000 yen," "5,000 yen," "500 yen," and "3,000 yen," so the automated teller machine 1 adds up each of the deposited amounts to calculate the total deposited amount as "15,500 yen."

[0075] The automated teller machine 1 determines whether the total deposit amount calculated in step S213 is greater than the total withdrawal amount (step S214). If the total deposit amount is less than (or the same as) the total withdrawal amount (step S214: NO), there is no shortage of money, and the process proceeds to step S217. If the total deposit amount is greater than the total withdrawal amount (step S214: YES), the automated teller machine 1 accepts the insertion of currency such as banknotes or coins (step S215) and displays the amount of the accepted inserted currency on the display unit 12 (step S216).

[0076] The automated transaction device 1 transmits to the host computer 3 a transaction message corresponding to the transaction type included in the transaction statement 311 created based on the read identification code 431 (step S217). The transmission of the transaction message corresponding to the transaction type is performed in the order of transactions included in the transaction statement 311.

[0077] The host computer 3 receives the transaction message corresponding to the transaction type transmitted from the automated transaction apparatus 1 (step S218). The host computer 3 determines whether or not the transaction corresponding to the transaction type contained in the transaction message is possible, and then transmits a transaction message indicating whether or not the transaction corresponding to the transaction type is possible to the automated transaction apparatus 1 (step S219).

[0078] The automated transaction device 1 receives a transaction message indicating whether or not a transaction is possible for the transaction type sent from the host computer 3 (step S220). The automated transaction device 1 sets a transaction completion flag for the transaction type for which the transaction message was received, thereby determining whether or not the transaction for which the transaction completion flag is set has been completed. The automated transaction device 1 determines whether or not all transactions included in the transaction statement 311 have been completed (step S221). The determination of whether or not all transactions included in the transaction statement 311 have been completed can be made based on whether or not the transaction completion flag is set for all transactions.

[0079] If all transactions included in the transaction statement 311 have not been completed (step S221: NO), the process returns to step S217, and the automated transaction apparatus 1 and host computer 3 repeatedly perform the processes of steps S217 to S221 until all transactions included in the transaction statement 311 have been completed. In this way, even when transactions are performed consecutively, messages are automatically and continuously sent and received between the automated transaction apparatus 1 and the host computer 3 without user intervention, so that consecutive transactions can be performed without occupying the automated transaction apparatus 1. Therefore, the occupancy time of the automated transaction apparatus 1 when consecutive transactions are performed can be shortened. This eliminates waiting times for users of the automated transaction apparatus 1, increases turnover, and improves user service.

[0080] If all transactions included in the transaction statement 311 have been completed (step S221: YES), the automatic transaction device 1 prints the details of each transaction corresponding to the transaction type included in the transaction statement 311 on the passbook (step S222).

[0081] 14 is a diagram showing an example of a passbook 400 on which the details of each transaction corresponding to the transaction type included in the transaction statement 311 are printed. The passbook 400 has columns for the date of entry in the passbook 400, the transaction details, the payment amount, the deposit amount, and the balance. The summary included in the transaction statement 311 is printed in the transaction details column, the amount corresponding to the withdrawal transaction type included in the transaction statement 311 is printed in the payment amount column, the amount corresponding to the deposit transaction type included in the transaction statement 311 is printed in the deposit amount column, and the difference between the payment amount and the deposit amount is printed in the balance column.

[0082] The transaction details column prints the summary details included in the transaction statement 311, and the summary details include the date of the corresponding transaction, the purpose, the transaction target, the transaction method, and the payment method. Therefore, by simply checking the transaction details column printed on the passbook 400, it is possible to easily confirm what the amount corresponding to each transaction type was used for, and the passbook 400 can be used as a household account book.

[0083] The automated teller machine 1 determines whether the transaction types included in the transaction statement 311 include a withdrawal, i.e., whether a withdrawal transaction is included (step S223). If the transaction types do not include a withdrawal (step S223: NO), the process proceeds to step S225. If the transaction types include a withdrawal (step S223: YES), the automated teller machine 1 counts the cash and dispenses currency in the withdrawal amount corresponding to the withdrawal transaction type (step S224). This allows the user to withdraw and receive from the automated teller machine 1 the transaction amount when the transaction type included in the transaction statement 311 is a withdrawal.

[0084] The automated teller machine 1 determines whether the deposited amount is greater than the total amount deposited (step S225). If the deposited amount is less than the total amount deposited (step S225: NO), there is no need to dispense the difference, and the process proceeds to step S227. If the deposited amount is greater than the total amount deposited (step S225: YES), the automated teller machine 1 dispenses the difference between the deposited amount and the amount deposited (step S226). This allows the user to withdraw and receive change from the automated teller machine 1 when the deposited amount is greater than the amount deposited. The automated teller machine 1 then returns the card and passbook 400 to the user (step S227). When this process is completed, the process ends.

[0085] In the above embodiment, the mobile terminal device 4 accepts input of the details of each transaction to be carried out successively, but this is not limited thereto, and the transaction terminal device 5 may accept input of the details of each transaction to be carried out successively. When the transaction terminal device 5 accepts input of the details of each transaction to be carried out successively, it transmits the details of each accepted transaction to the mobile terminal device 4.

[0086] Furthermore, in the above-described embodiment, the automated teller machine 1 calculates the total deposit amount and the total withdrawal amount from the transaction statement 311 created based on the identification code 431, and accepts the insertion of currency only when the total deposit amount is greater than the total withdrawal amount. However, this is not limited to this. For example, the automated teller machine 1 may calculate the deposit amount for each deposit and the withdrawal amount for each withdrawal from the transaction statement 311 created based on the identification code 431. In this case, the automated teller machine 1 accepts the insertion of currency when the transaction type includes a deposit, and dispenses currency when the transaction type includes a withdrawal. This allows the automated teller machine 1 to deposit currency individually for the calculated deposit amount and to dispense (discharge) currency individually for the withdrawal amount. As a result, the amounts corresponding to each transaction type can be managed individually, and the passbook 400 can be used as a household account book.

[0087] Furthermore, in the above-described embodiment, when a withdrawal is included in the transaction types included in the transaction statement 311, the automated transaction apparatus 1 dispenses currency in the amount of withdrawal corresponding to the transaction type of the withdrawal, but this is not limited to this. For example, when the withdrawal amount is greater than the deposited amount, the automated transaction apparatus 1 may dispense currency in the amount of the difference between the withdrawal amount and the deposited amount. This allows the automated transaction apparatus 1 to collectively manage the deposit of currency for the calculated deposited amount and the withdrawal (discharge) of currency for the withdrawal amount.

[0088] The present invention is not limited to the above-described embodiments, and the components can be modified and embodied without departing from the spirit of the invention. Furthermore, various inventions can be formed by appropriately combining multiple components disclosed in the above-described embodiments. For example, all components shown in the embodiments can be appropriately combined. Furthermore, components from different embodiments can be appropriately combined. Naturally, various modifications and applications are possible without departing from the spirit of the invention. [Explanation of symbols]

[0089] 1: Automatic transaction device 3: Host computer 4: Portable terminal device 5: Transaction terminal device 10: ATM control section 11: Storage section 12: Display section 13: Input section 14: Passbook processing unit 15: Card processing section 16: Banknote processing unit 17: Coin processing section 18: Transaction Card Issuance Department 19: Receipt Issuance Department 20: Reading unit 21: Communications Department 31: Control unit 32: Storage section 33: Display section 34: Input section 35: Communications Department 41: Control unit 42: Storage section 43:Display section 44: Input section 45: Communications Department 51: Control unit 52: Storage section 53:Display section 54: Input section 55: Communications Department 100: Trading System 200: Transaction statement 300: Trading start screen 302: Continuous transaction acceptance button 311: Transaction statement 321: Transaction details screen 331: Confirm button 400: Passbook 430: Identification code display screen 431: Identification code 432: Message N: Network

Claims

1. A transaction system including a mobile terminal device and an automated transaction device, The mobile terminal device displaying an identification code including information on two or more transactions to be carried out successively at the automated transaction device; The automated transaction device The identification code displayed by the mobile terminal device is read, The transaction contents are successively carried out based on the information of the two or more transaction contents contained in the read identification code. A trading system characterized by:

2. The mobile terminal device Accepting input of information on the two or more transactions to be carried out at the automated transaction device; converting the received information of the two or more transaction details into the identification code; Display the converted identification code 2. The trading system according to claim 1.

3. Further, a transaction terminal device is provided, The transaction terminal device Accepting input of information on the two or more transactions to be carried out at the automated transaction device; transmitting information on the two or more accepted transaction details to the mobile terminal device; The mobile terminal device receiving information on the two or more transaction details transmitted from the transaction terminal device; converting the received information of the two or more transaction details into the identification code; Display the converted identification code 2. The trading system according to claim 1.

4. The automated transaction machine reads the identification code displayed on the mobile terminal device based on the image captured by the imaging device.

4. The trading system according to claim 3.

Images