automated teller machine

Abstract

To provide a technology that can improve user convenience. [Solution] An automatic transaction device is provided which includes an acquisition unit that acquires withdrawal operations including an operation to specify a withdrawal account and an operation to input a withdrawal amount, and a withdrawal control unit that controls the withdrawal of cash of the withdrawal amount when a processing result is acquired indicating that the cumulative amount of withdrawals from multiple accounts including the withdrawal account and an account linked to the withdrawal account is less than or equal to a limit for the cumulative amount.

Description

[Technical Field]

[0001] The present invention relates to an automated transaction device. [Background technology]

[0002] In recent years, a technique has become known for limiting the amount of withdrawals from an account by setting a limit on the cumulative amount of withdrawals from that account. For example, Patent Document 1 discloses a technique for calculating the cumulative amount by accumulating the amounts of withdrawals from an account, comparing the calculated cumulative amount with a limit, and determining whether or not withdrawal is possible based on whether or not the calculated cumulative amount is equal to or less than the limit. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Laid-Open No. 2006-185350 Summary of the Invention [Problem to be solved by the invention]

[0004] However, there may be cases where the number of accounts to be restricted from withdrawing amounts is not one but multiple. For example, there may be cases where it is desirable to restrict withdrawals from multiple accounts owned by a single user. Or, there may be cases where it is desirable to restrict withdrawals from multiple accounts owned by multiple users.

[0005] Therefore, even if the cumulative amount of withdrawals from one of multiple accounts exceeds the limit and it becomes impossible to make withdrawals from that account, withdrawals can still be made from other accounts, so it is conceivable that user convenience will not improve.

[0006] Therefore, the present invention has been made in consideration of the above circumstances, and has an object to provide a technique that can improve convenience for users. [Means for solving the problem]

[0007] In order to solve the above problem, according to one aspect of the present invention, an automated teller machine is provided, comprising: an acquisition unit that acquires a withdrawal operation including an operation of specifying a withdrawal account and an operation of inputting a withdrawal amount; and a withdrawal control unit that controls the withdrawal of cash of the withdrawal amount when a processing result is acquired indicating that the cumulative amount of withdrawals from multiple accounts including the withdrawal account and an account linked to the withdrawal account is less than or equal to a limit for the cumulative amount.

[0008] The automated transaction device may include a display control unit that controls the display of display information indicating that the cumulative amount exceeds the limit when a processing result indicating that the cumulative amount exceeds the limit is obtained.

[0009] The display control unit may control the display of an operation object for inputting a selection operation to cancel withdrawal and an operation object for inputting a selection operation to issue a withdrawal instruction when a processing result indicating that the cumulative amount exceeds the limit is obtained.

[0010] The acquisition unit may acquire, as a processing result indicating that the cumulative amount exceeds the limit, either an instruction to execute a process to control the display of the display information or an instruction to execute a process to cancel the withdrawal, and the automated transaction device may be equipped with an execution control unit that controls the execution of a process in accordance with the processing result.

[0011] The withdrawal control unit may suspend the withdrawal when a processing result indicating that the cumulative amount exceeds the limit amount is obtained.

[0012] The acquisition unit may acquire a balance amount obtained by subtracting the cumulative amount of past withdrawals from the multiple accounts from the limit amount, and the automated transaction device may be provided with a display control unit that controls the display of the balance amount.

[0013] The cumulative amount may be the cumulative total of past withdrawal amounts from the plurality of accounts.

[0014] The cumulative amount may be an amount obtained by accumulating the withdrawal amount and past withdrawal amounts from the plurality of accounts.

[0015] The acquisition unit may acquire the excess amount obtained by subtracting the limit amount from the cumulative amount as a processing result indicating that the cumulative amount exceeds the limit amount, and the automated transaction device may be provided with a display control unit that controls the display of the processing result. [Effects of the Invention]

[0016] According to the present invention described above, it is possible to improve convenience for users. [Brief explanation of the drawings]

[0017] [Figure 1] 1 is an explanatory diagram showing a configuration of a cash handling system according to an embodiment of the present invention. [Figure 2] 1 is an explanatory diagram showing the internal configuration of an automatic transaction device 20 according to an embodiment of the present invention. [Figure 3] FIG. 2 is a diagram showing a detailed configuration of a control unit 280. [Figure 4] 1 is an explanatory diagram showing the internal configuration of a financial institution host 10 according to an embodiment of the present invention. [Figure 5] FIG. 4 is a diagram illustrating an example of the configuration of setting information 401. [Figure 6] FIG. 10 is a diagram showing an example of the configuration of a withdrawal history 402. [Figure 7] 4 is a flowchart showing an example of processing executed by the automatic transaction device 20 according to the embodiment of the present invention. [Figure 8] 10 is a diagram showing an example of a warning screen displayed by the automatic transaction device 20 according to the embodiment of the present invention. FIG. [Figure 9] FIG. 10 is a diagram showing an example of a withdrawal cancellation screen displayed by the automated transaction device 20 according to the embodiment of the present invention. [Figure 10] 10 is a flowchart showing an example of processing executed by a financial institution host 10 according to an embodiment of the present invention. DETAILED DESCRIPTION OF THE INVENTION

[0018] Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. In this specification and drawings, components having substantially the same functional configurations are designated by the same reference numerals, and redundant explanations will be omitted.

[0019] <0. Overview of the embodiment> In the embodiments of the present invention, a technology for improving user convenience will be mainly described. More specifically, in the embodiments of the present invention, a technology for restricting withdrawals from multiple accounts by setting a limit on the cumulative amount of withdrawals from the multiple accounts will be described. Such a technology can improve user convenience.

[0020] As an example, the multiple accounts may include accounts owned by each spouse. This is expected to improve convenience for the spouses because it limits the amount of withdrawals from each spouse's account. However, the multiple accounts may also be accounts owned by multiple users other than the spouses. Alternatively, the multiple accounts may be accounts owned by a single user.

[0021] The outline of the embodiment of the present invention has been described above.

[0022] <<1. Details of the embodiment>> Next, the details of the embodiment of the present invention will be described.

[0023] <1.1. Cash Handling System Configuration> An example of the configuration of a cash handling system according to an embodiment of the present invention will be described.

[0024] Fig. 1 is an explanatory diagram showing the configuration of a cash handling system according to an embodiment of the present invention. As shown in Fig. 1, the cash handling system 1 includes an automated teller machine 20 and a financial institution host 10. Note that users of the automated teller machine 20 are typically customers. Therefore, the following explanation will mainly focus on cases where the users of the automated teller machine 20 are customers. However, users of the automated teller machine 20 are not limited to customers.

[0025] (Automatic transaction device 20) The automated teller machine 20 is a customer-operated terminal that executes transactions based on operations by customers of a financial institution. In an embodiment of the present invention, the transactions include at least withdrawal transactions, but may also include deposit transactions. The automated teller machine 20 can also be referred to as a cash handling machine. Furthermore, the automated teller machine 20 may typically be an ATM (Automatic Teller Machine). The automated teller machine 20 is installed in a variety of facilities, such as financial institution branches, convenience stores, train stations, hotels, shopping centers, hospitals, amusement parks, restaurants, or office buildings.

[0026] The automated transaction device 20 also includes a display operation unit 22, a bankbook insertion slot 24, a card insertion slot 26, a receipt ejection slot 27, a bill slot 28, and a coin slot 29. Here, the bankbook insertion slot 24, the card insertion slot 26, the receipt ejection slot 27, the bill slot 28, and the coin slot 29 will be described, and the display operation unit 22 will be described in detail later.

[0027] (Bankbook insertion slot 24) The passbook insertion slot 24 is an opening for inserting and ejecting a customer's passbook.

[0028] (Card slot 26) The card insertion slot 26 is an opening for inserting and ejecting a customer's cash card.

[0029] (Receipt outlet 27) The receipt outlet 27 is an opening for discharging a receipt on which transaction details are printed.

[0030] (Banknote mouth 28) The bill slot 28 functions as a slot for customers to deposit bills and a slot for dispensing bills to customers.

[0031] (Coin slot 29) The coin slot 29 functions as a slot for customers to deposit coins and a slot for customers to dispense coins.

[0032] (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 automated teller machine 20 can communicate with the financial institution host 10 via this private network 12.

[0033] (Financial institution host 10) The financial institution host 10 controls the execution of various transactions by communicating with the automated teller machine 20 via the dedicated network 12. For example, the financial institution host 10 controls the execution of transactions instructed by customers at the automated teller machine 20.

[0034] The financial institution host 10 manages customer information that associates account information (branch code, account type, and account number), name, address, PIN, and deposit balance. Furthermore, the financial institution host 10 may manage setting information 401 (FIG. 5) and withdrawal history 402 (FIG. 6). Setting information 401 (FIG. 5) and withdrawal history 402 (FIG. 6) will be described in detail later.

[0035] An example of the configuration of the cash handling system 1 according to the embodiment of the present invention has been described above.

[0036] <1.2. Internal structure of automated teller machines> Next, the internal configuration of the automated transaction device 20 according to the embodiment of the present invention will be described.

[0037] Fig. 2 is an explanatory diagram showing the internal configuration of the automated teller machine 20 according to the embodiment of the present invention. As shown in Fig. 2, the automated teller machine 20 according to the embodiment of the present invention includes a display operation unit 22, a communication unit 210, a card reading unit 220, a passbook reading unit 230, a banknote deposit / withdrawal unit 250, a coin deposit / withdrawal unit 260, a memory unit 270, and a control unit 280.

[0038] (Display operation section 22) The display / operation unit 22 includes a display unit 25 that displays a screen to be viewed by the customer, and an operation unit 23 that detects operations by the customer. The display / operation unit 22 is configured by stacking the display unit 25 and the operation unit 23 vertically, with the operation unit 23 on the upper layer and the display unit 25 on the lower layer. With this configuration, the customer can input various operations into the operation unit 23 while viewing the screen displayed by the display unit 25.

[0039] The screen may display operation objects (hereinafter also referred to as "buttons") that can be selected by the customer. The form of the display unit 25 is not limited. For example, the display unit 25 may be realized by a CRT (Cathode Ray Tube) display device, a liquid crystal display (LCD) device, or an OLED (Organic Light Emitting Diode) device. The method for realizing the operation unit 23 is also not limited. For example, the method for realizing the operation unit 23 may be a resistive film method or an infrared method.

[0040] In the following description, it is assumed that the operation unit 23 is configured by a touch panel, and that the operation on the operation unit 23 includes a touch operation on the operation unit 23. When a customer touches the operation unit 23, the position on the operation unit 23 touched by the customer can be detected by the operation unit 23. However, the operation on the operation unit 23 by the customer may include an operation other than a touch operation on the operation unit 23 (for example, a drag operation).

[0041] In addition, if the control unit 280 recognizes that the position on the operation unit 23 touched by the customer corresponds to the button displayed on the display unit 25, the control unit 280 determines that the button has been selected by the customer.

[0042] (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 to the financial institution host 10 a withdrawal request based on a withdrawal operation input by a customer to the operation unit 23. The withdrawal request may include account information for an account specified by the customer (hereinafter also referred to as the "withdrawal account"), a personal identification number input by the customer, and a withdrawal amount input by the customer. The communication unit 210 receives a processing result from the financial institution host 10 as a response to the withdrawal request.

[0043] (Card reading unit 220) The card reading unit 220 reads the magnetic information recorded on the customer's cash card inserted through the card insertion slot 26. For example, the magnetic information may include account information (branch code, account type, and account number). The account information read from the customer's cash card by the card reading unit 220 can be used as the account information for the withdrawal account.

[0044] (Bankbook reading unit 230) The passbook reader 230 reads magnetic information recorded on a magnetic stripe formed on the cover paper of a customer's passbook inserted through the passbook insertion slot 24. For example, the magnetic information may include account information (branch code, account type, and account number). The account information read from the customer's passbook by the passbook reader 230 can be used as the account information for the withdrawal account.

[0045] (Banknote deposit / withdrawal unit 250) The banknote deposit / withdrawal unit 250 has functions such as a banknote transport path, a banknote cassette, and a function for verifying the validity of banknotes.

[0046] (Coin deposit and withdrawal unit 260) The coin deposit / withdrawal unit 260 has a coin transport path, a coin cassette, and a function for verifying the validity of coins.

[0047] (Storage unit 270) The storage unit 270 is a storage medium that stores various information used for processing by the automated transaction apparatus 20, and is configured by a memory. For example, the storage unit 270 stores a program for realizing the control unit 280.

[0048] (control unit 280) The control unit 280 is configured to include a processor. The control unit 280 can be realized by the processor executing a program stored in the storage unit 270. The control unit 280 controls the overall processing of the automated transaction apparatus 20. For example, the control unit 280 controls the processing of each of the display operation unit 22, the communication unit 210, the card reading unit 220, the passbook reading unit 230, the banknote deposit / withdrawal unit 250, and the coin deposit / withdrawal unit 260. The detailed configuration of the control unit 280 will be described with reference to FIG. 3.

[0049] Fig. 3 is a diagram showing a detailed configuration of the control unit 280. As shown in Fig. 3, the control unit 280 includes an acquisition unit 281, an execution control unit 282, a withdrawal control unit 283, and a display control unit 284. The functions of the acquisition unit 281, the execution control unit 282, the withdrawal control unit 283, and the display control unit 284 will be described later.

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

[0051] <1.3. Internal structure of financial institution host> Next, the internal configuration of the financial institution host 10 according to the embodiment of the present invention will be described.

[0052] 4 is an explanatory diagram showing the internal configuration of the financial institution host 10 according to the embodiment of the present invention. As shown in FIG. 4, the financial institution host 10 according to the embodiment of the present invention includes a control unit 120, a storage unit 130, and a communication unit 140.

[0053] (Communication unit 140) The communication unit 140 transmits and receives various information to and from the automated transaction apparatus 20 via the dedicated network 12. For example, the communication unit 140 receives a withdrawal request from the automated transaction apparatus 20. The communication unit 140 also transmits a processing result to the automated transaction apparatus 20 as a response to the withdrawal request. The processing result may include authentication failure, insufficient balance, not exceeding the limit, or exceeding the limit. In the following explanation, it is mainly assumed that exceeding the limit includes issuing a warning or canceling the withdrawal. Warnings and canceling the withdrawal will be explained later.

[0054] (Storage unit 130) The storage unit 130 is a storage medium that stores various information used for processing by the financial institution host 10, and is configured with a memory. For example, the storage unit 130 stores a program for implementing the control unit 120. The storage unit 130 also stores setting information 401 (FIG. 5) and withdrawal history 402 (FIG. 6). The configuration of the setting information 401 will be described with reference to FIG. 5, and the configuration of the withdrawal history 402 will be described with reference to FIG. 6.

[0055] Fig. 5 is a diagram showing an example of the configuration of the setting information 401. As shown in Fig. 5, the setting information 401 is configured by associating linked account information, a set period, a limit, and processing when the limit is exceeded.

[0056] The setting information 401 is information that is set in advance. For example, a customer may submit a medium on which the setting information is written to a teller at a financial institution, and the teller may input the setting information into a teller terminal while referring to the medium, and the setting information input by the teller may be stored in the storage unit 130 of the financial institution host 10. Alternatively, the customer may input the setting information from a PC (Personal Computer) or a smartphone, and the setting information input by the customer may be stored in the storage unit 130 of the financial institution host 10.

[0057] The linked account information is account information indicating each of the multiple linked accounts. In the example shown in Fig. 5, the accounts K1 to K3 are linked by associating the account information for each of the accounts K1 to K3 with a single limit. However, the number of linked accounts may be two, or may be four or more.

[0058] The set period is a period during which withdrawal amounts from multiple accounts linked by linked account information are accumulated. In the example shown in FIG. 5, one month is set as the set period. However, the set period may be set to a period other than one month (for example, one week or one day). It is also possible that no set period is set. In this case, withdrawal amounts may be accumulated without time limit.

[0059] The limit is an amount that is compared with the cumulative total of withdrawal amounts from multiple accounts linked by the linked account information over a set period. If the cumulative total is equal to or less than the limit, withdrawals from the multiple accounts may be possible. On the other hand, if the cumulative total is equal to or greater than the limit, withdrawals from the multiple accounts may be impossible.

[0060] The over-limit processing is executed when the cumulative total of withdrawals from multiple accounts linked by linked account information over a set period exceeds the limit. In the example shown in FIG. 5, the over-limit processing is selectable by the customer, and it is assumed that the over-limit processing can be set to either a warning "0" or a withdrawal cancellation "1." However, the over-limit processing may not be selectable by the customer. For example, the over-limit processing may be predetermined to either a warning "0" or a withdrawal cancellation "1."

[0061] Fig. 6 is a diagram showing an example of the configuration of the withdrawal history 402. As shown in Fig. 6, the withdrawal history 402 is configured by associating withdrawal account information, withdrawal date and time, withdrawal amount, cumulative amount, and limit reached flag.

[0062] The withdrawal history 402 is information that is updated by the financial institution host 10 each time a withdrawal is made from one of the multiple accounts linked by the linked account information.

[0063] The withdrawal account information is account information indicating the account from which the withdrawal was made, among multiple accounts linked by the linked account information.

[0064] The withdrawal date and time is the date and time when the withdrawal was made from the account indicated by the withdrawal account information.

[0065] The withdrawal amount is the amount withdrawn from the account indicated by the withdrawal account information on the withdrawal date and time.

[0066] The cumulative amount is the cumulative total of past withdrawal amounts from multiple accounts linked by linked account information over a set period.

[0067] The limit reached flag indicates whether the cumulative total of past withdrawals from multiple accounts linked by the linked account information over a set period has reached the limit. In the example shown in Figure 6, the limit reached flag is either "0" (limit not reached) or "1" (limit reached).

[0068] (control unit 120) The control unit 120 includes a processor. The control unit 120 can be realized by the processor executing a program stored in the storage unit 130. The control unit 120 controls the overall processing of the financial institution host 10.

[0069] The internal configuration of the financial institution host 10 according to the embodiment of the present invention has been described above.

[0070] <1.4. Processing at automated teller machines> An example of processing executed by the automated teller machine 20 according to the embodiment of the present invention will be described with reference to Figs. 7 to 9 (and also with reference to Figs. 1 to 6 as appropriate). Fig. 7 is a flowchart showing an example of processing executed by the automated teller machine 20 according to the embodiment of the present invention. Fig. 8 is a diagram showing an example of a warning screen displayed by the automated teller machine 20 according to the embodiment of the present invention. Fig. 9 is a diagram showing an example of a withdrawal cancellation screen displayed by the automated teller machine 20 according to the embodiment of the present invention.

[0071] Here, as shown in setting information 401 (FIG. 5), it is assumed that accounts K1 to K3 are linked, the set period is set to "2023 / 9 / 1 0:00 to 2023 / 9 / 30 24:00," the limit is set to "450,000" yen, and the warning "0" is set as the processing to be performed when the limit is exceeded. Note that in the following explanation, the limit of "450,000" yen on the amount of withdrawals from accounts K1 to K3 during the set period will also be referred to as the limit amount "450,000" yen.

[0072] Furthermore, as shown in the withdrawal history 402 (FIG. 6), a cash withdrawal of 200,000 yen has already been made from account K1 at the transaction date and time "2023 / 9 / 2 10:30" that belongs to the set period, and a cash withdrawal of 150,000 yen has already been made from account K3 at the transaction date and time "2023 / 9 / 10 15:00" that belongs to the set period. Therefore, the cumulative amount of past withdrawals from accounts K1 to K3 during the set period is already 350,000 yen. In the following description, the cumulative amount of past withdrawals from accounts K1 to K3 during the set period, 350,000 yen, will also be referred to as the cumulative amount of past withdrawals, 350,000 yen.

[0073] A customer may be able to withdraw cash from accounts K1 to K3 up to 100,000 yen, which is the difference between the limit of 450,000 yen and the cumulative total of past withdrawals of 350,000 yen. On the other hand, a customer may not be able to withdraw cash from accounts K1 to K3 that exceeds the difference of 100,000 yen. As an example, assume that a customer wants to withdraw 100,000 yen from account K2 at the current date and time, 2023 / 9 / 15 8:00.

[0074] First, the customer goes to a location where the automated teller machine 20 is installed and inputs a withdrawal operation to the automated teller machine 20. Here, the withdrawal operation includes a withdrawal transaction designation operation that designates a withdrawal transaction, a withdrawal account designation operation that designates withdrawal account K2, a PIN input operation that inputs a PIN, and a withdrawal amount input operation that inputs the withdrawal amount of 100,000 yen. In the automated teller machine 20, the acquisition unit 281 acquires the withdrawal operation input in this manner (S11).

[0075] The withdrawal transaction designation operation may be an operation of pressing a withdrawal button displayed on the display unit 25, which is input to the operation unit 23. Note that, in cases where the automated transaction apparatus 20 is capable of executing only withdrawal transactions, the withdrawal transaction designation operation does not need to be input by the customer.

[0076] Furthermore, the withdrawal account designation operation causes the acquisition unit 281 to acquire account information indicating the withdrawal account K2. For example, the withdrawal account designation operation may be an operation of inserting a cash card into the card insertion slot 26 and having the card reading unit 220 read the account information indicating the withdrawal account K2. The acquisition unit 281 can acquire the account information indicating the withdrawal account K2 read by the card reading unit 220 in this manner.

[0077] Furthermore, the PIN input operation may be an operation of inputting into the operation unit 23 an operation of pressing, in order, buttons corresponding to each digit of the PIN from among the number buttons displayed by the display unit 25. Furthermore, the withdrawal amount input operation may be an operation of inputting into the operation unit 23 an operation of pressing, in order, buttons corresponding to each digit of the withdrawal amount "100,000" from among the number buttons displayed by the display unit 25. Note that, in cases where authentication is not required, the PIN input operation does not need to be performed.

[0078] Based on the acquisition of the withdrawal operation, the acquisition unit 281 generates a withdrawal request including account information indicating withdrawal account K2, the PIN entered by the PIN input operation, and the withdrawal amount "100,000" entered by the withdrawal amount input operation. Then, the communication unit 210 transmits the withdrawal request to the financial institution host 10 (S12).

[0079] Processing based on the withdrawal request is performed in the financial institution host 10. For example, processing based on the withdrawal request may include authentication based on a personal identification number, a determination as to whether the balance is insufficient for the withdrawal amount of 100,000 yen included in the withdrawal request, a determination as to whether the cumulative total of withdrawal amounts from accounts K1 to K3, including withdrawal account K2 indicated by the account information included in the withdrawal request and accounts K1 and K3 linked to withdrawal account K2, during a set period exceeds the limit of 450,000 yen, and a determination as to whether processing to be performed when the limit is exceeded is to issue a warning or to cancel the withdrawal.

[0080] The cumulative amount of withdrawals from accounts K1 to K3 over the set period may be 450,000 yen, which is the sum of the cumulative amount of past withdrawals of 350,000 yen and the withdrawal amount of 100,000 yen included in the withdrawal request. In the following explanation, the cumulative amount of withdrawals from accounts K1 to K3 over the set period will also be referred to as the cumulative amount of withdrawals. Details of the processing based on a withdrawal request will be explained later with reference to Figure 10.

[0081] The communication unit 210 receives the processing result from the financial institution host 10 as a response to the withdrawal request (S13), and the acquisition unit 281 acquires the processing result received by the communication unit 210. Then, the acquisition unit 281 determines the acquired processing result (S14).

[0082] When the acquisition unit 281 acquires a processing result indicating a failure in authentication based on the PIN number ("Authentication Failed" in S14), the display control unit 284 controls the display unit 25 to display an authentication failure message indicating that the authentication has failed (S15). On the other hand, when the acquisition unit 281 acquires a processing result indicating an insufficient balance ("Insufficient Balance" in S14), the display control unit 284 controls the display unit 25 to display an insufficient balance message indicating an insufficient balance (S16).

[0083] When the acquiring unit 281 acquires a processing result of "limit not exceeded" indicating that the cumulative withdrawal amount of "450,000" yen is equal to or less than the limit of "450,000" ("limit not exceeded" in S14), the withdrawal control unit 283 controls the withdrawal of cash of "100,000" yen acquired by the acquiring unit 281 from the operation unit 23 (S21). For example, the withdrawal control can be performed by controlling the transport path so that cash stored in a storage cabinet (not shown) inside the automated transaction apparatus 20 is transported to at least one of the banknote opening 28 and the coin opening 29.

[0084] On the other hand, if the cumulative withdrawal amount exceeds the limit, the acquisition unit 281 acquires either "warning" or "cancel transaction" as a processing result indicating that the cumulative withdrawal amount exceeds the limit. Here, "warning" is an instruction to execute a process to control the display of display information indicating that the cumulative withdrawal amount exceeds the limit (hereinafter also referred to as "exceed limit message"). On the other hand, "cancel transaction" is an instruction to execute a process to cancel the withdrawal.

[0085] The execution control unit 282 controls the execution of processing in accordance with the processing result. More specifically, when the display control unit 284 acquires "warning" as the processing result indicating that the cumulative withdrawal amount exceeds the limit ("warning" in S14), it controls the display unit 25 to display a warning screen 501 (FIG. 8) including an exceeded limit message (S17). The exceeded limit message may correspond to display information indicating that the cumulative withdrawal amount exceeds the limit.

[0086] Referring to Figure 8, the warning screen 501 includes a limit exceeding message: "The cumulative withdrawal amount, including other accounts you previously requested, exceeds the requested amount. Would you like to cancel the withdrawal?" However, the specific content of the limit exceeding message does not need to be limited. Furthermore, the warning screen 501 includes a withdrawal cancellation button 521 for inputting a selection operation to cancel the withdrawal, and a withdrawal instruction button 522 for inputting a selection operation to issue a withdrawal instruction.

[0087] When the customer selects the withdrawal cancel button 521 and inputs it to the operation unit 23 ("Cancel" in S18), the execution control unit 282 cancels the withdrawal. On the other hand, when the customer selects the withdrawal instruction button 522 and inputs it to the operation unit 23 ("Withdrawal" in S18), the communication unit 210 sends a withdrawal instruction to the financial institution host 10 (S20), and the withdrawal control unit 283 controls the withdrawal of cash for the withdrawal amount acquired by the acquisition unit 281 (S21).

[0088] On the other hand, when the display control unit 284 acquires "Withdrawal Cancelled" as a processing result indicating that the cumulative withdrawal amount exceeds the limit ("Withdrawal Cancelled" in S14), it controls the display unit 25 to display a withdrawal cancellation screen 502 (FIG. 9) containing a withdrawal cancellation message (S19). The withdrawal cancellation message may correspond to display information indicating that the cumulative withdrawal amount exceeds the limit.

[0089] 9, the withdrawal cancellation screen 502 includes a withdrawal cancellation message stating, "The total amount of withdrawals, including those to other accounts previously requested, exceeds the requested amount, so the withdrawal will be canceled." However, the specific content of the withdrawal cancellation message does not need to be limited. Furthermore, the withdrawal cancellation screen 502 includes a withdrawal cancellation button 521 for inputting a selection operation to cancel the withdrawal.

[0090] The execution control unit 282 cancels the withdrawal when the customer selects the withdrawal cancel button 521 and inputs it to the operation unit 23. Note that when "withdrawal canceled" is acquired as a processing result indicating that the cumulative withdrawal amount exceeds the limit, the withdrawal may be canceled without waiting for the customer to select the withdrawal cancel button 521 and input it to the operation unit 23. Therefore, the withdrawal cancel button 521 does not need to be displayed.

[0091] An example of the process executed by the automated transaction device 20 according to the embodiment of the present invention has been described above.

[0092] <1.5. Financial Institution Host Processing> An example of processing executed by the financial institution host 10 according to the embodiment of the present invention will be described with reference to Fig. 10 (and also with appropriate reference to Figs. 1 to 6). Fig. 10 is a flowchart showing an example of processing executed by the financial institution host 10 according to the embodiment of the present invention.

[0093] In the financial institution host 10, the communication unit 140 receives a withdrawal request sent from the automated teller machine 20. The control unit 120 performs authentication based on the PIN included in the withdrawal request (S31). More specifically, the control unit 120 obtains the PIN associated with the account information indicating the withdrawal account K2 included in the withdrawal request from the customer information, and performs authentication based on whether the PIN obtained from the customer information matches the PIN included in the withdrawal request.

[0094] If the authentication fails ("NO" in S32), the communication unit 140 transmits a processing result indicating the authentication failure to the automated transaction device 20 (S33). On the other hand, if the authentication is successful ("YES" in S32), the control unit 120 compares the withdrawal amount of "100,000" yen included in the withdrawal request with the deposit balance associated with the account information indicating withdrawal account K2 (S34).

[0095] If the withdrawal amount of "100,000" yen included in the withdrawal request exceeds the deposit balance associated with the account information indicating withdrawal account K2 ("NO" in S35), the control unit 120 sends a processing result indicating an insufficient balance to the automated transaction device 20 (S36).

[0096] On the other hand, if the withdrawal amount of "100,000" yen included in the withdrawal request is less than the deposit balance associated with the account information indicating withdrawal account K2 ("YES" in S35), the control unit 120 obtains the limit of "450,000" yen associated with accounts K1 to K3, including withdrawal account K2 and accounts K1 and K3 linked to withdrawal account K2, from setting information 401 (Figure 5).

[0097] Then, the control unit 120 compares the cumulative amount of withdrawals from accounts K1 to K3 with the limit (S37). For example, the control unit 120 may calculate the cumulative amount of withdrawals from accounts K1 to K3 as "450,000" yen, which is the sum of the withdrawal amount "100,000" yen included in the withdrawal request and the cumulative amount of past withdrawals from accounts K1 to K3 of "350,000" yen.

[0098] Here, the cumulative withdrawal amount of 450,000 yen is equal to or less than the limit of 450,000 yen (YES in S38). Therefore, the communication unit 140 transmits a processing result indicating that the limit has not been exceeded to the automated teller machine 20 (S42). Then, the control unit 120 updates the withdrawal history 402 (FIG. 6) and the deposit balance (S44).

[0099] More specifically, the cumulative withdrawal amount of "450,000" yen has reached the limit of "450,000" yen. Therefore, the control unit 120 sets the account information of withdrawal account K2 in "Withdrawal Account Information," sets the current date and time "2023 / 9 / 15 8:00" in "Withdrawal Date and Time," sets "100,000" yen in "Withdrawal Amount," sets "450,000" yen in the cumulative amount, and adds data to the withdrawal history 402, in which the "Limit Reached Flag" is set to "1" indicating limit reached.

[0100] On the other hand, if the cumulative withdrawal amount exceeds the limit ("NO" in S38), the control unit 120 obtains the limit exceeding processing associated with accounts K1 to K3 from the setting information 401, and determines whether the limit exceeding processing is "warning" or "withdrawal cancellation" (S39).

[0101] If the processing for exceeding the limit is "warning" ("warning" in S39), the communication unit 140 transmits a processing result indicating the warning to the automated teller machine 20 (S40). If the communication unit 140 does not receive a withdrawal instruction from the automated teller machine 20 ("NO" in S43), S44 is not executed. On the other hand, if the communication unit 140 receives a withdrawal instruction from the automated teller machine 20 ("YES" in S43), the control unit 120 updates the withdrawal history 402 (FIG. 6) and the deposit balance (S44).

[0102] If the processing for exceeding the limit is "withdrawal suspension" ("withdrawal suspension" in S39), the communication unit 140 transmits a processing result indicating withdrawal suspension to the automated transaction apparatus 20 (S41).

[0103] Note that when the withdrawal amount is equal to or less than the deposit balance ("YES" in S35), the control unit 120 may obtain the limit reached flag corresponding to the most recent withdrawal date and time from the withdrawal history 402 among the limit reached flags corresponding to accounts K1 to K3 before comparing the limit with the cumulative withdrawal amount. If the limit reached flag corresponding to the most recent withdrawal date and time has already been set to "1", the control unit 120 may perform the limit overrun process (S39) without comparing the limit with the cumulative withdrawal amount.

[0104] An example of the processing executed by the financial institution host 10 according to the embodiment of the present invention has been described above.

[0105] <1.6.Effects> According to an embodiment of the present invention, an automated transaction device 20 can be provided that includes an acquisition unit 281 that acquires a withdrawal operation including an operation of specifying withdrawal account K2 and an operation of inputting the withdrawal amount, and a withdrawal control unit 283 that controls the withdrawal of cash for the withdrawal amount when a processing result is acquired indicating that the cumulative amount of withdrawals from accounts K1 to K3, including withdrawal account K2 and accounts K1 and K3 linked to withdrawal account K2, is less than or equal to the cumulative amount limit.

[0106] In this way, by setting a limit on the cumulative amount of withdrawals from accounts K1 to K3, withdrawals from accounts K1 to K3 can be restricted. Furthermore, restricting withdrawals from accounts K1 to K3 can improve customer convenience.

[0107] The details of the embodiment of the present invention have been described above.

[0108] <<2. Modifications>> Although the preferred embodiments of the present invention have been described in detail above with reference to the accompanying drawings, the present invention is not limited to these examples. It is clear that a person skilled in the art to which the present invention pertains can conceive of various modifications and alterations within the scope of the technical ideas set forth in the claims, and it is understood that these also naturally fall within the technical scope of the present invention.

[0109] (Display of deduction amount) For example, in the financial institution host 10, the control unit 120 may obtain the cumulative total of past withdrawals from accounts K1 to K3, 350,000 yen, from the withdrawal history 402, and calculate a net amount of 100,000 yen by subtracting the cumulative total of past withdrawals, 350,000 yen, from the limit of 450,000 yen.The control unit 120 may then control the communication unit 140 to send the calculated net amount of 100,000 yen to the automated transaction apparatus 20.

[0110] Here, the net amount "100,000" yen may be transmitted to the automated transaction apparatus 20 before the processing result is transmitted to the automated transaction apparatus 20, or may be transmitted to the automated transaction apparatus 20 together with the processing result.

[0111] In the automated teller machine 20, the acquisition unit 281 may acquire the balance of "100,000" yen from the financial institution host 10 via the communication unit 210. Then, the display control unit 284 may control the display of the balance of "100,000" yen acquired by the acquisition unit 281 on the display unit 25. By displaying the balance of "100,000" yen on the display unit 25 in this way, a customer who visually recognizes the balance of "100,000" yen can grasp the remaining amount of withdrawals until the withdrawal amount from accounts K1 to K3 reaches the withdrawal limit.

[0112] (Modifications regarding processing results) The above mainly describes a case where the communication unit 140 of the financial institution host 10 transmits "warning" or "withdrawal canceled" as a processing result indicating that the cumulative withdrawal amount will exceed the limit, and the communication unit 210 of the automated transaction apparatus 20 receives the result. However, the communication unit 140 may transmit "limit exceeded" as a processing result indicating that the cumulative withdrawal amount will exceed the limit, and the communication unit 210 of the automated transaction apparatus 20 may receive the result.

[0113] At this time, in the automated transaction apparatus 20, when the acquisition unit 281 acquires from the communication unit 140 a processing result indicating that the cumulative withdrawal amount exceeds the limit, "limit exceeded," the display control unit 284 may control the display of the warning screen 501 (FIG. 8) by the display unit 25. Alternatively, when the acquisition unit 281 acquires from the communication unit 140 a processing result indicating that the cumulative withdrawal amount exceeds the limit, "limit exceeded," the withdrawal control unit 283 may control the display of the withdrawal cancellation screen 502 (FIG. 9) by the display unit 25.

[0114] (Display of excess amount) Alternatively, the excess amount obtained by subtracting the limit from the total amount of withdrawals may be transmitted by the communication unit 140 as a processing result indicating that the cumulative amount of withdrawals exceeds the limit, and may be received by the communication unit 210 in the automated transaction apparatus 20. For example, if the limit is 450,000 yen and the cumulative amount of past withdrawals is 350,000 yen, but the withdrawal amount included in the withdrawal request is 150,000 yen, the cumulative amount of withdrawals will be 500,000 yen, exceeding the limit of 450,000 yen.

[0115] At this time, the control unit 120 may calculate an excess amount of "50,000" yen by subtracting the limit amount of "450,000" from the cumulative withdrawal amount of "500,000", and the communication unit 140 may transmit the excess amount of "50,000" yen to the automated teller machine 20. In the automated teller machine 20, the acquisition unit 281 may acquire the excess amount of "50,000" as a processing result indicating that the cumulative withdrawal amount exceeds the limit amount, and the display control unit 284 may control the display of the excess amount of "50,000". By displaying the excess amount of "50,000" yen on the display unit 25 in this way, the customer who visually recognizes the excess amount of "50,000" yen can understand to what extent the withdrawal amounts from accounts K1 to K3 exceed the limit amounts.

[0116] (Modifications regarding cumulative amounts) In the above, we have described a case where the cumulative withdrawal amount compared with the limit is the sum of the cumulative total of past withdrawals from the linked accounts K1 to K3 and the withdrawal amount included in the withdrawal request. This configuration can prevent the withdrawal amount from the accounts K1 to K3 from exceeding the limit. However, the cumulative withdrawal amount compared with the limit may also be the cumulative total of past withdrawals from the linked accounts K1 to K3. This configuration can prevent withdrawals from the accounts K1 to K3, although there is a possibility that the withdrawal amount from the accounts K1 to K3 may exceed the limit.

[0117] (Modifications regarding the financial institution host 10) For example, the steps in the processing of the financial institution host 10 in this specification do not necessarily have to be processed in chronological order according to the order described in the flowchart. For example, the steps in the processing of the financial institution host 10 may be processed in an order different from the order described in the flowchart, or may be processed in parallel.

[0118] It is also possible to create a computer program that causes hardware such as a CPU (Central Processing Unit), ROM (Read Only Memory), and RAM (Random Access Memory) built into the financial institution host 10 to perform functions equivalent to those of the components of the financial institution host 10. A storage medium storing the computer program is also provided.

[0119] (Modifications of the automated transaction device 20) For example, the steps in the processing of the automated teller machine 20 in this specification do not necessarily have to be processed in chronological order according to the order described in the flowchart. For example, the steps in the processing of the automated teller machine 20 may be processed in an order different from the order described in the flowchart, or may be processed in parallel.

[0120] It is also possible to create a computer program that causes hardware such as a CPU, ROM, and RAM built into the automated transaction device 20 to perform functions equivalent to those of the above-described components of the automated transaction device 20. A storage medium storing the computer program is also provided. [Explanation of symbols]

[0121] 1. Cash handling system 10 Financial Institution Host 12 Dedicated Network 120 control section 130 Storage section 140 Communications Department 20 Automatic transaction equipment 210 Communications Department 22 Display operation section 220 Card reader 23 Control section 230 Passbook reader 25 Display section 250 Banknote deposit and withdrawal section 26 Card slot 260 Coin deposit and withdrawal section 27 Receipt outlet 270 Storage section 28 Bill slot 280 Control Unit 281 Acquisition Department 282 Execution Control Unit 283 Withdrawal Control Unit 284 Display control unit 29 Coin slot 401 Configuration Information 402 Withdrawal History 501 Alert screen 502 Withdrawal Cancellation Screen 521 Withdrawal Cancel Button 522 Withdrawal instruction button

Claims

1. an acquisition unit that acquires a withdrawal operation including an operation of designating a withdrawal account and an operation of inputting a withdrawal amount; a withdrawal control unit that controls the withdrawal of cash of the withdrawal amount when a processing result indicating that the cumulative total of withdrawal amounts from a plurality of accounts, including the withdrawal account and the account linked to the withdrawal account, is equal to or less than a limit on the cumulative total, is acquired; An automatic transaction device comprising:

2. the automated transaction device includes a display control unit that, when a processing result indicating that the cumulative total amount exceeds the limit is acquired, controls the display of display information indicating that the cumulative total amount exceeds the limit amount; 2. The automated transaction device according to claim 1.

3. the display control unit controls display of an operation object for inputting a selection operation for canceling withdrawal and an operation object for inputting a selection operation for issuing a withdrawal instruction when a processing result indicating that the cumulative amount exceeds the limit is acquired.

3. The automated transaction device according to claim 2.

4. the acquisition unit acquires, as a processing result indicating that the cumulative amount exceeds the limit amount, either an instruction to execute a process to control display of the display information or an instruction to execute a process to cancel the withdrawal; the automated transaction device includes an execution control unit that controls execution of processing in accordance with the processing result; 3. The automated transaction device according to claim 2.

5. the withdrawal control unit suspends the withdrawal when a processing result indicating that the cumulative amount exceeds the limit amount is acquired.

2. The automated transaction device according to claim 1.

6. the acquiring unit acquires a deduction amount obtained by subtracting the accumulated amount of past withdrawals from the plurality of accounts from the limit amount, the automated transaction device includes a display control unit that controls the display of the balance amount; 2. The automated transaction device according to claim 1.

7. The cumulative amount is the cumulative total of past withdrawal amounts from the multiple accounts.

2. The automated transaction device according to claim 1.

8. The cumulative amount is the cumulative total of the withdrawal amount and past withdrawal amounts from the multiple accounts.

2. The automated transaction device according to claim 1.

9. the acquiring unit acquires an excess amount obtained by subtracting the limit amount from the cumulative amount as a processing result indicating that the cumulative amount exceeds the limit amount; the automated transaction device includes a display control unit that controls display of the processing result; 9. The automated transaction device according to claim 8.

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