Automatic transaction device, automatic transaction program, and automatic transaction method

Abstract

To simplify transactions between accounts.SOLUTION: When accepting a deposit transaction to a second account following a withdrawal transaction from a first account, an automated transaction device 10 releases cash to a cash holding device and reduces the balance in the first account. The automatic transaction device 10 then takes cash from the cash holding device and increases the balance in the second account.SELECTED DRAWING: Figure 1

Description

[Technical field]

[0001] The present invention relates to an automatic transaction device, an automatic transaction program, and an automatic transaction method. [Background technology]

[0002] Users who have a bank account can use an automated teller machine (ATM) to make transactions. Users can deposit and withdraw money from their bank accounts by operating an ATM.

[0003] As a technology related to ATMs, for example, an automatic transfer machine that allows easy transfer transactions has been proposed, and an automatic transaction machine that prevents the risk of cash being taken away by others even if a customer leaves the automatic transaction machine in the middle of a transaction has also been proposed. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] Japanese Patent Application Publication No. 10-261137 [Patent Document 2] JP 2002-260071 A Summary of the Invention [Problem to be solved by the invention]

[0005] When transferring funds from one bank account to another, for example, a user must withdraw money from the source bank account at an ATM, take out the withdrawn cash, and then insert the withdrawn cash into the ATM to deposit it into the destination bank account. Operations such as withdrawing cash make transactions cumbersome.

[0006] In one respect, the case aims to facilitate transactions between accounts. [Means for solving the problem]

[0007] In one proposal, an automated teller machine is provided that has a cash processing unit and a control unit. The cash processing unit dispenses and takes in cash. When the control unit receives a deposit transaction to a second account following a withdrawal transaction from a first account, the control unit causes the cash processing unit to dispense cash to a cash holding device to reduce the balance of the first account and causes the cash processing unit to take in cash from the cash holding device to increase the balance of the second account. Effect of the Invention

[0008] According to one embodiment, transactions between accounts can be made easier. [Brief description of the drawings]

[0009] [Figure 1] FIG. 1 is a diagram illustrating an example of an automatic transaction device according to a first embodiment. [Diagram 2] FIG. 13 illustrates an example of an information processing system according to a second embodiment. [Diagram 3] FIG. 2 is a diagram illustrating an example of a hardware configuration of an ATM. [Figure 4] FIG. 1 is a diagram showing an example of the appearance of an ATM. [Diagram 5] FIG. 2 is a block diagram showing an example of the functions of an ATM. [Figure 6] FIG. 13 is a diagram showing an example of a display screen of an ATM. [Figure 7] 13 is a flowchart showing an example of a deposit / withdrawal processing procedure. [Figure 8] FIG. 13 is a diagram showing another example of the display screen of the ATM. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0010] Hereinafter, the present embodiment will be described with reference to the drawings. Note that each embodiment can be implemented in combination with a plurality of other embodiments as long as no contradiction occurs. First Embodiment First, the first embodiment will be described.

[0011] FIG. 1 is a diagram showing an example of an automated teller machine according to a first embodiment. In the first embodiment, an automated teller machine 10 accepts transactions. The automated teller machine 10 is a machine that executes financial transactions according to user operations. The automated teller machine 10 is, for example, an ATM installed in a financial institution or the like.

[0012] The automated transaction apparatus 10 has a cash processing unit 11 and a control unit 12. The cash processing unit 11 dispenses and takes in cash. The cash processing unit 11 is, for example, a coin processing unit and a banknote processing unit included in the automated transaction apparatus 10. The control unit 12 controls the automated transaction apparatus 10 and is capable of executing required processing. The control unit 12 is, for example, a processor or an arithmetic circuit included in the automated transaction apparatus 10.

[0013] Furthermore, the automated transaction apparatus 10 is equipped with a cash holding device 1. The cash holding device 1 is a device capable of storing cash therein. The cash holding device 1 is installed, for example, above a deposit / withdrawal port through which the cash processing unit 11 takes in and dispenses cash, and takes in cash from the deposit / withdrawal port and dispenses cash to the deposit / withdrawal port.

[0014] The cash holding device 1 has an opening / closing unit 1a. When the opening / closing unit 1a is open, a user can deposit or withdraw cash into or from the cash holding device 1, and when the opening / closing unit 1a is closed, the user cannot deposit or withdraw cash into or from the cash holding device 1. For example, the opening / closing unit 1a is provided on the side opposite to the side in contact with the deposit / withdrawal port. When the control unit 12 accepts a deposit transaction to a second account following a withdrawal transaction from a first account, it executes the following process.

[0015] The control unit 12 causes the cash processing unit 11 to dispense cash to the cash holding device 1. Here, the control unit 12 causes the cash processing unit 11 to dispense cash to the cash holding device 1 with the opening / closing unit 1a closed. For example, the control unit 12 causes the cash processing unit 11 to dispense cash of the dispensing amount of a dispensing transaction from the deposit / withdrawal port. The control unit 12 controls the cash holding device 1 to take in the cash dispensed by the cash processing unit 11 into the cash holding device 1. Note that the cash holding device 1 may detect cash dispensed from the deposit / withdrawal port with a sensor or the like and automatically take in the cash into the cash holding device 1.

[0016] In addition, the control unit 12 reduces the balance of the first account. For example, the control unit 12 accesses a server that manages the balance of the first account, and requests that the withdrawal amount of the withdrawal transaction be reduced from the balance of the first account.

[0017] Next, the control unit 12 causes the cash processing unit 11 to take in cash from the cash holding unit 1. For example, the control unit 12 controls the cash holding unit 1 to discharge the cash in the cash holding unit 1 to the deposit / withdrawal port. The control unit 12 causes the cash processing unit 11 to take in the cash in the cash holding unit 1 from the deposit / withdrawal port.

[0018] When the withdrawal amount of a withdrawal transaction differs from the deposit amount of a deposit transaction, the control unit 12 causes the cash processing unit 11 to take in cash from the cash holding unit 1 after cash has been replenished or removed from the cash holding unit 1 with the opening / closing unit 1a open. For example, when the withdrawal amount of a withdrawal transaction differs from the deposit amount of a deposit transaction, the control unit 12 controls the cash holding unit 1 to open the opening / closing unit 1a and waits until the difference between the withdrawal amount of the withdrawal transaction and the deposit amount of the deposit transaction is replenished or removed. Then, the control unit 12 causes the cash processing unit 11 to take in cash from the cash holding unit 1 after cash has been replenished or removed.

[0019] In addition, the control unit 12 increases the balance of the second account. For example, the control unit 12 accesses a server that manages the balance of the second account, and requests that the balance of the second account be increased by the deposit amount of the deposit transaction.

[0020] According to the first embodiment, the cash processing unit 11 dispenses and takes in cash. When the control unit 12 receives a deposit transaction to a second account following a withdrawal transaction from a first account, the control unit 12 causes the cash processing unit 11 to dispense cash to the cash holding device 1 to reduce the balance of the first account, and causes the cash processing unit 11 to take in cash from the cash holding device 1 to increase the balance of the second account.

[0021] This allows the automated transaction apparatus 10 to execute a transaction for transferring funds between accounts without having to take out cash between a withdrawal transaction and a deposit transaction. Thus, the automated transaction apparatus 10 can simplify transactions between accounts.

[0022] In addition, a user can deposit or withdraw cash in the cash holding device 1 with the opening / closing section 1a open, and cannot deposit or withdraw cash in the cash holding device 1 with the opening / closing section 1a closed. When a deposit transaction following a withdrawal transaction is accepted, the control section 12 causes the cash processing section 11 to discharge cash into the cash holding device 1 with the opening / closing section 1a closed. This allows the automated transaction device 10 to improve the crime prevention effect during transactions.

[0023] Furthermore, when the withdrawal amount of a withdrawal transaction differs from the deposit amount of a deposit transaction, the control unit 12 causes the cash processing unit 11 to discharge cash to the cash holding unit 1, and after cash is replenished or removed from the cash holding unit 1 with the opening / closing unit 1a open, causes the cash processing unit 11 to take in cash from the cash holding unit 1. This allows the automated transaction device 10 to properly execute a transaction even when a user deposits additional cash on hand or keeps part of the withdrawn cash on hand.

[0024] Second Embodiment Next, a second embodiment will be described. In the second embodiment, deposits and withdrawals are made by operating an ATM.

[0025] 2 is a diagram showing an example of an information processing system according to a second embodiment. The information processing system according to the second embodiment includes an ATM 100 and host servers 21 and 22. The ATM 100 is a device that receives input operations by a user via a touch panel and executes transactions such as deposits and withdrawals based on the received inputs.

[0026] The ATM 100 is connected to host servers 21, 22 via a network 20. The network 20 may be a wired network or a wireless network. The network 20 may also be a dedicated line. The host server 21 is a server computer for managing an account at Bank A. The host server 21 acquires transaction details for the account at Bank A from the ATM 100, and updates the account information based on the acquired transaction details. The host server 22 is a server computer for managing an account at Bank B. The host server 22 acquires transaction details for the account at Bank B from the ATM 100, and updates the account information based on the acquired transaction details.

[0027] 3 is a diagram showing an example of a hardware configuration of an ATM. The entire ATM 100 is controlled by a processor 101. A memory 102 and a plurality of peripheral devices are connected to the processor 101 via a bus 108. The processor 101 may be a multiprocessor. The processor 101 is, for example, a central processing unit (CPU), a micro processing unit (MPU), or a digital signal processor (DSP). At least a part of the functions realized by the processor 101 executing a program may be realized by an electronic circuit such as an application specific integrated circuit (ASIC) or a programmable logic device (PLD).

[0028] The memory 102 is used as a main storage device of the ATM 100. The memory 102 temporarily stores at least a part of the OS (Operating System) program and application programs to be executed by the processor 101. The memory 102 also stores various data used for processing by the processor 101. As the memory 102, for example, a volatile semiconductor storage device such as a RAM (Random Access Memory) is used.

[0029] The peripheral devices connected to the bus 108 include a storage device 103 , a network interface 104 , a display processing unit 105 , a touch panel processing unit 106 , and an I / O (Input / Output) interface 107 .

[0030] The storage device 103 electrically or magnetically writes and reads data to and from a built-in recording medium. The storage device 103 is used as an auxiliary storage device for the ATM 100. The storage device 103 stores various data including OS programs, application programs, and transaction history information. Note that, for example, a hard disk drive (HDD) or a solid state drive (SSD) can be used as the storage device 103.

[0031] The network interface 104 is connected to the network 20. The network interface 104 transmits and receives data to and from the host server 30 via the network 20.

[0032] A display 111 is connected to the display processing unit 105. The display processing unit 105 displays various information such as operation guides on the screen of the display 111 in accordance with instructions from the processor 101. The display 111 may be a display device using an organic EL (Electro Luminescence) display device, a liquid crystal display device, or the like.

[0033] A touch panel 112 is connected to the touch panel processing unit 106. The touch panel 112 is disposed, for example, in front of the display 111. The touch panel processing unit 106 detects a position on the screen where the user's finger touches or approaches the touch panel 112, and notifies the processor 101 of the position.

[0034] A card processing unit 113, a passbook processing unit 114, a coin processing unit 115, a bill processing unit 116, and a cash holding device 117 are connected to the I / O interface 107. The I / O interface 107 notifies each connected unit of instructions from the processor 101 in accordance with an instruction from the processor 101. The I / O interface 107 also notifies the processor 101 of information acquired from each unit via the bus 108.

[0035] The card processing unit 113 controls the taking in and ejection of the card, and reads the magnetic information (such as the account number) recorded on the taken card.

[0036] The passbook processing unit 114 controls the taking in and ejection of passbooks. The passbook processing unit 114 also reads magnetically recorded information (such as account numbers) attached to the taken-in passbooks. The passbook processing unit 114 also has a function for printing on passbooks, and is capable of writing to the passbooks.

[0037] The coin processing unit 115 controls the ejection and intake of coins and the opening and closing of a door for coin insertion and withdrawal according to instructions from the processor 101. The banknote processing unit 116 controls the ejection and intake of banknotes and the opening and closing of a door for banknote insertion and withdrawal according to instructions from the processor 101. The banknote processing unit 116 has a function for reading the type and serial number of banknotes. The banknote processing unit 116 reads the serial number of a banknote inserted or withdrawn when depositing or withdrawing money, and outputs it to the processor 101.

[0038] The cash holding device 117 is a device capable of storing cash therein. The cash holding device 117 has an opening / closing part, and when the opening / closing part is open, cash can be inserted or removed from the inside, and when the cash holding device 117 is closed, cash cannot be inserted or removed from the inside through the opening / closing part. On the surface opposite the opening / closing part, the cash holding device 117 takes in cash from a deposit / withdrawal port through which the passbook processing unit 114 and the coin processing unit 115 take in and eject cash, and ejects cash to the deposit / withdrawal port.

[0039] In addition, the I / O interface 107 can read data from the portable recording medium 31 or write data to the portable recording medium 31. The portable recording medium 31 is, for example, a recording medium such as a DVD (Digital Versatile Disc) or a CD (Compact Disc). The portable recording medium 31 can store transaction history information and the like.

[0040] The automated transaction device 10 shown in the first embodiment can also be realized by the same hardware as the ATM 100 shown in Fig. 3. The processor 101 is an example of the control unit 12 shown in the first embodiment. The coin processing unit 115 and the banknote processing unit 116 are an example of the cash processing unit 11 shown in the first embodiment.

[0041] The ATM 100 realizes the processing functions of the second embodiment by executing a program recorded on, for example, a computer-readable recording medium. The program describing the processing contents to be executed by the ATM 100 can be recorded on various recording media. For example, the program to be executed by the ATM 100 can be stored in the storage device 103. The processor 101 loads at least a part of the program in the storage device 103 into the memory 102 and executes the program. The program to be executed by the ATM 100 can also be recorded on the portable recording medium 31. The program stored in the portable recording medium 31 becomes executable after being installed in the storage device 103 under the control of, for example, the processor 101. The processor 101 can also directly read out the program from the portable recording medium 31 and execute it.

[0042] Next, the external appearance of the ATM 100 will be described. FIG. 4 is a diagram showing an example of the appearance of an ATM. The ATM 100 has a horizontal first surface and a second surface disposed in front of a user. A display 111, a touch panel 112, and a deposit / withdrawal slot 43 are disposed on the first surface. A cash holding device 117 is disposed above the deposit / withdrawal slot 43. The display 111 displays an operation screen of the ATM 100. The touch panel 112 is disposed in front of the display 111. The touch panel 112 detects a touch operation by the user on the screen displayed by the display 111. In this way, the display 111 and the touch panel 112 guide transaction operations by the ATM 100 and accept instructions from the user.

[0043] The deposit / withdrawal slot 43 is an entrance / exit used for a user to insert coins and banknotes and for the coin processing unit 115 and the banknote processing unit 116 to eject coins and banknotes. The coin processing unit 115 and the banknote processing unit 116 take in coins and banknotes inserted into the deposit / withdrawal slot 43. In addition, the coin processing unit 115 and the banknote processing unit 116 eject coins and banknotes from the deposit / withdrawal slot 43.

[0044] The cash holding device 117 has an opening / closing part 117a. The surface of the cash holding device 117 opposite the opening / closing part 117a is in contact with the deposit / withdrawal port 43. The cash holding device 117 takes in cash discharged from the deposit / withdrawal port 43 into the inside of the cash holding device 117. The cash holding device 117 also discharges cash inside the cash holding device 117 to the deposit / withdrawal port 43. When the opening / closing part 117a is in an open state, a user can deposit and withdraw cash inside the cash holding device 117, and when the opening / closing part 117a is in a closed state, a user cannot deposit and withdraw cash inside the cash holding device 117.

[0045] On the second surface, a card slot 41 and a passbook slot 42 are arranged. Card slot 41 is an slot used when a user inserts a cash card and when card processing unit 113 ejects the cash card. Card processing unit 113 reads information such as an account number from a cash card inserted into card slot 41. In addition, card processing unit 113 ejects the cash card from card slot 41 after a transaction is completed.

[0046] The passbook opening / closing unit 42 is an opening used for inserting a passbook by a user and for ejecting the passbook by the passbook processing unit 114. The passbook processing unit 114 reads information such as an account number from a passbook inserted into the passbook opening / closing unit 42. The passbook processing unit 114 also prints on the passbook inserted through the passbook opening / closing unit 42. After a transaction is completed, the passbook processing unit 114 ejects the passbook from the passbook opening / closing unit 42. The shape of the ATM 100 and the arrangement of each part are not limited to those shown in FIG. 4.

[0047] In the second embodiment, such an ATM 100 accepts a user's transaction. Incidentally, a user may transfer funds by withdrawing from his / her own account and depositing to another account. When using the ATM 100 to withdraw from an account and deposit to another account, for example, the user performs a withdrawal process, removes the withdrawn cash from the ATM 100, and then inserts the removed cash into the ATM 100 to perform a deposit process. Such an operation of withdrawing cash is cumbersome. Therefore, in the second embodiment, when the ATM 100 accepts execution of a deposit transaction following a withdrawal transaction, the ATM 100 performs a withdrawal process, releases cash to the cash holding device 117, and takes in cash from the cash holding device 117 to perform a deposit process. Note that, in the following, a case of transferring funds from an account in bank A to an account in bank B will be described, but funds may be transferred to another account in the same bank. Next, the functions of the ATM 100 will be described in detail.

[0048] 5 is a block diagram showing an example of functions of an ATM. The ATM 100 has an operation reception unit 120, a cash management unit 130, and a communication unit 140. The operation reception unit 120, the cash management unit 130, and the communication unit 140 are realized by a processor 101 executing a program stored in a memory 102.

[0049] The operation acceptance unit 120 accepts selection operations and input operations by the user. The operation acceptance unit 120 accepts the selection of transaction details. The operation acceptance unit 120 also accepts input of deposit and withdrawal amounts. The operation acceptance unit 120 also accepts the selection of whether or not to correct the difference between the withdrawn cash and the deposited cash (difference correction) in a deposit transaction following a withdrawal transaction.

[0050] The cash management unit 130 controls the coin handling unit 115, the banknote handling unit 116 and the cash holding device 117 to manage cash. When the operation reception unit 120 accepts the selection of a withdrawal transaction, the cash management unit 130 loads cash into the cash holding device 117 with the opening / closing unit 117a closed. For example, the cash management unit 130 controls the coin handling unit 115 and the banknote handling unit 116 to eject the cash of the amount to be ejected from the deposit / withdrawal port 43. Then, the cash management unit 130 controls the cash holding device 117 to take the cash ejected from the deposit / withdrawal port 43 into the inside of the cash holding device 117.

[0051] When the operation reception unit 120 receives a selection of a deposit transaction following a withdrawal transaction, the cash management unit 130 takes in cash from the cash holding device 117. For example, the cash management unit 130 controls the cash holding device 117 to release the cash inside the cash holding device 117 to the deposit / withdrawal port 43. Then, the cash management unit 130 controls the coin handling unit 115 and the banknote handling unit 116 to take in the deposited amount of cash from the deposit / withdrawal port 43.

[0052] It should be noted that, when the operation reception unit 120 has received a selection to perform the difference correction, the cash management unit 130 opens the cash holding device 117. For example, the cash management unit 130 controls the cash holding device 117 to open the opening / closing part 117a. The cash management unit 130 receives cash replenishment to the cash holding device 117 or cash removal from the cash holding device 117. The cash management unit 130 receives cash from the cash holding device 117 after cash replenishment or removal has been performed.

[0053] Communications unit 140 reduces the balance of an account where a withdrawal transaction is made and increases the balance of an account where a deposit transaction is made. For example, in a withdrawal transaction from an account at Bank A, communications unit 140 accesses host server 21 and requests that the balance of Bank A's account be reduced by the amount of the withdrawal. Also, for example, in a deposit transaction to an account at Bank B, communications unit 140 accesses host server 22 and requests that the balance of Bank B's account be increased by the amount of the deposit.

[0054] 5. The lines connecting the elements shown in FIG. 5 indicate part of the communication paths, and communication paths other than those shown in the figure can also be set. Next, the display screen of the ATM 100 will be described in detail. 6 is a diagram showing an example of an ATM display screen. When the card processing unit 113 reads the account number from the cash card of Bank A inserted into the card slot 41, the operation reception unit 120 causes the display 111 to display screen 51. Screen 51 is a screen for the user to select the details of a transaction related to the account of Bank A. Screen 51 has "Deposit", "Withdrawal", "Transfer", and "Bankbook entry" buttons for selecting the details of the transaction. Screen 51 also has a "Cancel" button for canceling the transaction.

[0055] When the operation reception unit 120 receives a press of the "Withdraw" button on screen 51 from the touch panel 112, it causes screen 52 to be displayed on the display 111. Screen 52 is a screen for the user to select whether or not to withdraw cash after withdrawal. Screen 52 has "Withdraw Cash" and "Do Not Withdraw Cash" buttons for selecting whether or not to withdraw cash after withdrawal. Screen 52 also has a "Back" button for returning to the previous screen (screen 51) and a "Cancel" button for canceling the transaction.

[0056] When the operation reception unit 120 receives a press of the "withdraw cash" button or the "do not withdraw cash" button on the screen 52 from the touch panel 112, it causes the display 111 to display a screen for the user to input the withdrawal amount. When the operation reception unit 120 receives an input of the withdrawal amount on the screen for inputting the withdrawal amount, the communication unit 140 accesses the host server 21 and requests that the withdrawal amount be deducted from the balance of the account having the account number read from the cash card of Bank A. In addition, the cash management unit 130 controls the coin processing unit 115 and the banknote processing unit 116 to discharge the cash of the withdrawal amount from the deposit / withdrawal port 43. Then, the cash management unit 130 controls the cash holding device 117 to take the cash discharged from the deposit / withdrawal port 43 into the cash holding device 117 with the opening / closing unit 117a closed.

[0057] Here, if the operation reception unit 120 has received a press of the "withdraw cash" button on the screen 52, the cash management unit 130 controls the cash holding device 117 to open the opening / closing part 117a. Then, the user removes the cash from the cash holding device 117, and the process ends.

[0058] If operation reception unit 120 has accepted pressing of the "Do not withdraw cash" button on screen 52, card processing unit 113 accepts the insertion of the next cash card. When card processing unit 113 reads the account number from the cash card of Bank B inserted into card slot 41, operation reception unit 120 causes display 111 to display screen 53.

[0059] Screen 53 is a screen for the user to select the transaction details related to the account of Bank B. Screen 53 has "Deposit", "Withdrawal", "Transfer" and "Bankbook entry" buttons for selecting the transaction details. Screen 53 also has a "Cancel" button for canceling the transaction.

[0060] When the operation reception unit 120 receives a press of the "Deposit" button on screen 53 from the touch panel 112, it causes screen 54 to be displayed on the display 111. Screen 54 is a screen for the user to select whether or not to perform difference adjustment. Screen 54 has "Adjust Difference" and "Do Not Adjust Difference" buttons for selecting whether or not to perform difference adjustment. Screen 54 also has a "Back" button for returning to the previous screen (screen 53) and a "Cancel" button for canceling the transaction.

[0061] When the operation reception unit 120 receives a press of the "Adjust Difference" button on the screen 54 from the touch panel 112, the cash management unit 130 controls the cash holding device 117 to open the opening / closing unit 117a. Then, the user replenishes or removes cash for the difference between the withdrawn cash and the cash to be deposited.

[0062] When the operation reception unit 120 receives a press of the "Do not correct difference" button, or when cash is replenished or removed after receiving a press of the "correct difference" button, the operation reception unit 120 displays a screen for the user to input the deposit amount on the display 111. When the operation reception unit 120 receives an input of the deposit amount on the screen for inputting the deposit amount, the communication unit 140 accesses the host server 22 and requests that the balance of the account with the account number read from the cash card of bank B be increased by the deposit amount. In addition, the cash management unit 130 controls the cash holding device 117 to release the cash inside the cash holding device 117 to the deposit / withdrawal port 43. Then, the cash management unit 130 controls the coin processing unit 115 and the banknote processing unit 116 to take in the cash of the deposit amount from the deposit / withdrawal port 43.

[0063] By displaying such screens 51 to 54, the operation reception unit 120 acquires the transaction details. By pressing the "Do not withdraw cash" button on screen 52, the user can deposit the cash withdrawn from the account of Bank A into the account of Bank B without performing a cash withdrawal operation. In this way, the ATM 100 can simplify transactions between accounts.

[0064] Next, the procedure for depositing and withdrawing money using the ATM 100 will be described. Fig. 7 is a flow chart showing an example of a deposit / withdrawal process procedure. The process shown in Fig. 7 will be explained below in order of step number.

[0065] [Step S11] The operation reception unit 120 accepts a withdrawal selection. For example, when the card processing unit 113 reads the account number from the cash card of Bank A inserted into the card slot 41, the operation reception unit 120 causes the display 111 to display screen 51. Then, the operation reception unit 120 accepts pressing of the "Withdrawal" button on screen 51 from the touch panel 112.

[0066] [Step S12] The operation reception unit 120 receives a selection of whether or not to withdraw cash. For example, the operation reception unit 120 displays the screen 52 on the display 111. Then, the operation reception unit 120 receives a press of a "withdraw cash" button or a "do not withdraw cash" button on the screen 52 from the touch panel 112.

[0067] [Step S13] The communication unit 140 performs a withdrawal process. For example, the communication unit 140 accesses the host server 21 and requests that the withdrawal amount accepted by the operation acceptance unit 120 on the screen for inputting the withdrawal amount be deducted from the balance of the account having the account number read from the cash card of Bank A.

[0068] [Step S14] The cash management unit 130 loads cash into the cash holding device 117 with the opening / closing unit 117a closed. For example, the cash management unit 130 controls the coin handling unit 115 and the banknote handling unit 116 to discharge the dispensing amount of cash from the deposit / withdrawal port 43. Then, the cash management unit 130 controls the cash holding device 117 to take the cash discharged from the deposit / withdrawal port 43 into the cash holding device 117.

[0069] [Step S15] The operation reception unit 120 determines whether or not "cash removal" has been selected. For example, in step S12, when the operation reception unit 120 receives a press of the "remove cash" button on the screen 52 from the touch panel 112, the operation reception unit 120 determines that "cash removal" has been selected. In addition, in step S12, when the operation reception unit 120 receives a press of the "do not remove cash" button on the screen 52 from the touch panel 112, the operation reception unit 120 determines that "cash removal" has not been selected. If the operation reception unit 120 determines that "cash removal" has been selected, the process proceeds to step S16, and if the operation reception unit 120 determines that "cash removal" has not been selected, the process proceeds to step S18.

[0070] [Step S16] The cash management unit 130 opens the cash holding device 117. For example, the cash management unit 130 controls the cash holding device 117 to open the opening / closing unit 117a.

[0071] [Step S17] The cash management unit 130 accepts removal of cash from the cash holding device 117. Then, the process ends. [Step S18] The operation reception unit 120 accepts a deposit selection. For example, when the card processing unit 113 reads the account number from the cash card of Bank B inserted into the card slot 41, the operation reception unit 120 causes the display 111 to display screen 53. Then, the operation reception unit 120 accepts pressing of the "Deposit" button on screen 53 from the touch panel 112.

[0072] [Step S19] The operation reception unit 120 receives a selection of whether or not to perform fare difference correction. For example, the operation reception unit 120 causes the display 111 to display the screen 54. Then, the operation reception unit 120 receives a selection of whether to perform fare difference correction or not from the touch panel 112.

[0073] [Step S20] The operation reception unit 120 determines whether or not "with difference correction" has been selected. For example, in step S19, if the operation reception unit 120 receives a press of the "Perform difference correction" button on the screen 54 from the touch panel 112, it determines that "with difference correction" has been selected. Also, in step S19, if the operation reception unit 120 receives a press of the "Do not correct difference" button on the screen 54 from the touch panel 112, it determines that "with difference correction" has not been selected. If the operation reception unit 120 determines that "with difference correction" has been selected, it advances the process to step S21, and if it determines that "with difference correction" has not been selected, it advances the process to step S23.

[0074] [Step S21] The cash management unit 130 opens the cash holding device 117. For example, the cash management unit 130 controls the cash holding device 117 to open the opening / closing unit 117a.

[0075] [Step S22] The cash management unit 130 accepts cash replenishment to the cash holding device 117 or cash removal from the cash holding device 117. After cash replenishment or removal, the cash management unit 130 proceeds to the process at step S23.

[0076] It should be noted that, if the operation reception unit 120 receives a selection to cancel the transaction in steps S18 to S23 (for example, if the operation reception unit 120 receives a press of the "Cancel" button), the operation proceeds to step S16.

[0077] [Step S23] The cash management unit 130 takes in cash from the cash holding device 117. For example, the cash management unit 130 controls the cash holding device 117 to discharge the cash inside the cash holding device 117 to the deposit / withdrawal port 43. Then, the cash management unit 130 controls the coin handling unit 115 and the banknote handling unit 116 to take in the deposited amount of cash from the deposit / withdrawal port 43.

[0078] [Step S24] Communications unit 140 performs a deposit process. For example, communications unit 140 accesses host server 22 and requests that the balance of the account corresponding to the account number read from the cash card of Bank B be increased by the deposit amount accepted by operation acceptance unit 120 on the screen for inputting the deposit amount.

[0079] In this way, the ATM 100 executes a deposit transaction into the account of Bank B following a withdrawal transaction from the account of Bank A. When accepting a deposit transaction into the account of Bank B following a withdrawal transaction from the account of Bank A, the cash management unit 130 causes the coin handling unit 115 and the banknote handling unit 116 to release cash into the cash holding device 117, and the communication unit 140 reduces the balance of the account of Bank A. Then, the cash management unit 130 causes the coin handling unit 115 and the banknote handling unit 116 to take in cash from the cash holding device 117, and increases the balance of the account of Bank B.

[0080] This allows the ATM 100 to transfer funds between accounts without the need to take out cash between withdrawal and deposit transactions. Therefore, the ATM 100 can simplify transactions between accounts. Furthermore, the ATM 100 allows users to carry out transactions without touching cash, making transactions hygienic.

[0081] Furthermore, the cash management unit 130 causes the coin handling unit 115 and the banknote handling unit 116 to dispense cash into the cash holding device 117 with the opening / closing part 117a closed. This allows the ATM 100 to prevent people other than the user from removing cash from the cash holding device 117 during a transaction. Thus, the ATM 100 can improve the crime prevention effect during a transaction.

[0082] Furthermore, when the withdrawal amount of a withdrawal transaction differs from the deposit amount of a deposit transaction, the cash management unit 130 causes the coin handling unit 115 and the banknote handling unit 116 to take in cash from the cash holding device 117 after cash is replenished or removed with the opening / closing unit 117a open. This allows the ATM 100 to properly execute transactions even when a user deposits additional cash from their own hand or keeps part of the withdrawn cash on hand.

[0083] Such an ATM 100 according to the second embodiment can be realized simply by attaching the cash holding device 117. Therefore, the ATM 100 can be realized at low introduction cost.

[0084] [Other embodiments] In the second embodiment, the ATM 100 accepts the selection of a deposit transaction after executing a withdrawal transaction, but the selection of executing a deposit transaction following a withdrawal transaction may be accepted at other times. For example, the ATM 100 may accept the selection of executing a deposit transaction following a withdrawal transaction at the start of a transaction. The following describes a screen displayed on the ATM 100 when accepting the selection of executing a deposit transaction following a withdrawal transaction at the start of a transaction.

[0085] 8 is a diagram showing another example of the display screen of an ATM. When the card processing unit 113 reads the account number from the cash card of bank A inserted into the card slot 41, the operation reception unit 120 causes the display 111 to display screen 61. Screen 61 is a screen for the user to select the details of the transaction. Screen 61 has buttons for selecting the details of the transaction: "Deposit", "Withdrawal", "Transfer", "Bankbook entry", "Withdrawal → Deposit (no difference correction)", and "Withdrawal → Deposit (with difference correction)". Screen 61 also has a "Cancel" button for canceling the transaction.

[0086] When the operation reception unit 120 accepts pressing of the "Withdrawal → Deposit (no difference correction)" button on the screen 61, it accepts the selection of performing a deposit transaction after executing a withdrawal transaction and not performing difference correction. Also, when the operation reception unit 120 accepts pressing of the "Withdrawal → Deposit (with difference correction)" button on the screen 61, it accepts the selection of performing a deposit transaction after executing a withdrawal transaction and performing difference correction. In this way, the operation reception unit 120 can accept the selection of whether or not to perform a deposit transaction after executing a withdrawal transaction and the selection of whether or not to perform difference correction in a single screen display.

[0087] Although the embodiments have been described above, the configurations of the parts shown in the embodiments can be replaced with other parts having similar functions. Any other components or steps may be added. Furthermore, any two or more configurations (features) of the above-mentioned embodiments may be combined. [Explanation of symbols]

[0088] 1 Cash holding device 1a Opening and closing section 10. Automatic transaction equipment 11 Cash Processing Section 12 Control section

Claims

1. a cash handling unit for discharging and receiving cash; a control unit that, when a deposit transaction to a second account following a withdrawal transaction from a first account is accepted, causes the cash processing unit to discharge cash to a cash holding device, thereby decreasing the balance of the first account, and causes the cash processing unit to take cash from the cash holding device, thereby increasing the balance of the second account; An automated transaction device having the above configuration.

2. When the control unit accepts the deposit transaction following the withdrawal transaction, the control unit causes the cash processing unit to discharge cash into the cash holding device, into which the user can deposit or withdraw cash with the opening / closing unit open and into which the user cannot deposit or withdraw cash with the opening / closing unit closed, with the opening / closing unit closed.

2. The automated transaction device according to claim 1.

3. When a withdrawal amount of the withdrawal transaction differs from a deposit amount of the deposit transaction, the control unit causes the cash processing unit to discharge cash to the cash holding device, and after cash is replenished or removed from the cash holding device with the opening / closing unit open, causes the cash processing unit to take in cash from the cash holding device.

3. The automated transaction device according to claim 2.

4. For automated transaction devices, When a deposit transaction to a second account following a withdrawal transaction from a first account is accepted, a cash processing unit that dispenses and takes in cash is caused to dispense cash to a cash holding device; Reduce the balance of said first account; causing the cash processing unit to take in cash from the cash holding device; Increasing the balance of said second account; An automated trading program that executes a transaction.

5. The automated transaction device When a deposit transaction to a second account following a withdrawal transaction from the first account is accepted, cash is discharged to the cash holding device; Reduce the balance of said first account; Taking cash from the cash holding device; Increasing the balance of said second account; Automated trading methods.

Images