Deposit transaction system, lobby deposit machine, deposit transaction method

Abstract

To provide a deposit transaction system and the like which can provide improved convenience to customers using an automatic machine located in a shop.SOLUTION: A deposit transaction system 1 includes a lobby deposit machine 50 which performs storage of notes and / or coins inserted by a customer himself / herself and an online terminal 30 which can perform core banking processes on the amount of money regarding the notes and / or coins which have been stored by the lobby deposit machine 50. The deposit transaction system 1 can perform first deposit transaction means in which the lobby deposit machine 50 is caused to perform storage of notes and / or coins and core banking processes, and a second deposit transaction means in which the lobby deposit machine 50 is caused to perform storage of notes and / or coins and the online terminal 30 is caused to perform core banking processes.SELECTED DRAWING: Figure 1

Description

[Technical field]

[0001] The present invention relates to a deposit transaction system, Lobby deposit machine and the deposit transaction method. [Background technology]

[0002] Conventionally, financial institutions such as banks often install various types of automated machines in their branches in order to reduce the number of tellers. As an example of an automated machine, a lobby deposit machine is known, which is used by corporate customers who have contracts with financial institutions to deposit large amounts such as sales proceeds. For example, the lobby deposit machine described in Patent Document 1 obtains information on the deposit account to be written on the deposit slip from the customer card inserted by the customer, counts the inserted coins and stores them inside the device, obtains a reception number assigned by the reception machine, automatically generates information on the deposit slip associated with the reception number and registers it on a server, and issues a numbered ticket on which the obtained reception number is written. The counter terminal outputs a deposit slip based on the information on the deposit slip registered on the server by the lobby deposit machine, and the accounting system terminal carries out the deposit transaction based on that deposit slip. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2017-37376 A Summary of the Invention [Problem to be solved by the invention]

[0004] The lobby deposit machine described in Patent Document 1 is not connected to an accounting host (a management device) that manages customers' deposit accounts, and is operated offline. Therefore, after a customer completes a deposit process at the lobby deposit machine, the customer must request a deposit transaction at the counter to deposit the amount deposited at the lobby deposit machine into the desired deposit account, which reduces the convenience for customers who use the lobby deposit machine. An object of the present invention is to provide a deposit transaction system and the like that can improve the convenience for customers who use automated teller machines installed in a store. [Means for solving the problem]

[0005] The present invention, which was completed with the above-mentioned object in mind, is a deposit transaction system including an automatic machine that stores coins inserted by a customer, and an attendant terminal that is capable of executing accounting system processing for the amount of coins stored by the automatic machine, and is capable of executing a first deposit transaction means that causes the automatic machine to store the coins and execute the accounting system processing, and a second deposit transaction means that causes the automatic machine to store the coins and the attendant terminal to execute the accounting system processing, and switches between executing a transaction using the first deposit transaction means or the second deposit transaction means based on a predetermined condition, the predetermined condition being that the amount of coins stored by the automatic machine exceeds a predetermined amount, and the deposit transaction system executes a transaction using the second deposit transaction means on the condition that the amount of coins stored by the automatic machine exceeds a predetermined amount. Also, from another perspective, the present invention is a deposit transaction system including an automatic machine that stores coins inserted by a customer, and an attendant terminal capable of executing accounting system processing for the amount of coins stored by the automatic machine, wherein the system is capable of executing a first deposit transaction means that causes the automatic machine to store the coins and execute the accounting system processing, and a second deposit transaction means that causes the automatic machine to store the coins and the attendant terminal to execute the accounting system processing, and the system switches between executing a transaction using the first deposit transaction means or the second deposit transaction means based on a predetermined condition, wherein the predetermined condition is that accounting system processing cannot be executed normally between the automatic machine and an accounting system device that manages the customer's deposit account, and the system executes a transaction using the second deposit transaction means under the condition that accounting system processing cannot be executed normally between the automatic machine and an accounting system device that manages the customer's deposit account. Here, if the transaction is cancelled after storing the money, the automated machine may issue a notification directing the user to a counter at the store in which the automated machine is installed. In addition, if a transaction is conducted within a predetermined specified trading hour, both the first deposit transaction means and the second deposit transaction means may be made executable, and if a transaction is conducted outside the specified trading hour, only the second deposit transaction means may be made executable. In addition, if a transaction is performed within a predetermined specified trading time, both the first deposit transaction means and the second deposit transaction means may be executable, and if a transaction is performed outside the specified trading time, only the first deposit transaction means may be executable. Also, from another perspective, the present invention is a deposit transaction system including an automatic machine that stores coins inserted by a customer, and an attendant terminal that can perform accounting system processing for the amount of the coins stored by the automatic machine, wherein, if the amount of the coins inserted by the customer is equal to or less than a predetermined specified amount, the automatic machine stores the coins and sends data on the amount to an accounting system device that manages the customer's deposit account, thereby performing a first deposit transaction of depositing the coins into the customer's deposit account, and if the amount exceeds the specified amount, the automatic machine stores the coins and outputs information related to the deposit, and, if the amount of the coins inserted into the automatic machine by the customer exceeds the specified amount, the attendant terminal performs a second deposit transaction of depositing the coins into the customer's deposit account using the information related to the deposit output from the automatic machine. Also, from another perspective, the present invention is a deposit transaction system including an automated machine that stores coins inserted by a customer, and an attendant terminal that is capable of performing accounting system processing for the amount of the coins stored by the automated machine, wherein, if the automated machine can perform accounting system processing normally between itself and an accounting system device that manages a customer's deposit account, it stores the coins inserted by the customer and sends data on the amount of the coins to the accounting system device, thereby performing a first deposit transaction in which the coins are deposited into the customer's deposit account, and if the automated machine cannot perform accounting system processing normally between itself and the accounting system device, it stores the coins and outputs information related to the deposit, and if the automated machine cannot perform accounting system processing normally between itself and the accounting system device, the attendant terminal uses the information related to the deposit output from the automated machine to perform a second deposit transaction in which the coins inserted by the customer are deposited into the customer's deposit account. From another viewpoint, the present invention is a lobby deposit machine installed in a branch of a financial institution, comprising: a storage unit for storing coins inserted by customers; a communication unit for communicating with an accounting system device for managing the deposit accounts of the customers; and a display unit for displaying information. Invested by customers themselves If the amount of currency is less than or equal to a predetermined amount, The currency will be stored and The amount To and executing an accounting process for depositing the money into the customer's deposit account by transmitting data about the amount of the money to the accounting device via the communication unit, and if the amount of the money exceeds the predetermined amount, The currency will be stored and A control unit that causes the display unit to display directions to the store's counter. From another viewpoint, the present invention is a lobby deposit machine installed at a branch of a financial institution, and when accounting system processing can be normally performed between a storage unit that stores coins inserted by customers, a display unit that displays information, and an accounting system device that manages the deposit accounts of the customers, Invested by customers themselves Amounts relating to currency To When the accounting system processing for the above-mentioned accounting system device cannot be normally performed with the accounting system device, The storage unit stores the coins inserted by the customer.A control unit that causes the display unit to display directions to the store's counter. Here, the control unit may cause the display unit to display guidance to the counter when the transaction is cancelled after the money has been stored. Also, from another viewpoint, the present invention is a deposit transaction method in a deposit transaction system, comprising: a step of storing coins inserted by a customer in an automatic machine that stores the coins; a first deposit transaction step of, if the amount of the coins stored in the storing step is equal to or less than a predetermined specified amount, performing accounting system processing based on data regarding the deposit of that amount which is transmitted from the automatic machine to an accounting system device that manages the customer's deposit account; and a second deposit transaction step of, if the amount of the coins stored in the storing step exceeds the predetermined amount, issuing a notification directing the customer to a counter of the store in which the automatic machine is installed, and performing the accounting system processing for the deposit of the amount of the coins stored in the storing step via an attendant terminal that can be operated only by attendant of the store. Also, from another perspective, the present invention is a deposit transaction method in a deposit transaction system, comprising: a step of storing coins inserted by a customer in an automated machine that stores the coins; a first deposit step of performing accounting system processing based on data regarding the deposit of the amount of the coin stored in the storing step, which data is transmitted from the automated machine to the accounting system device, if accounting system processing can be executed normally between the automated machine and an accounting system device that manages the customer's deposit account; and a second deposit step of issuing a notification directing a user to a counter of a store in which the automated machine is installed, and performing the accounting system processing for the deposit of the amount of the coin stored in the storing step via an attendant terminal that can be operated only by attendant of the store. Effect of the Invention

[0006] According to the present invention, it is possible to improve the convenience for customers who use automated machines installed in a store. [Brief description of the drawings]

[0007] [Figure 1] 1 is a diagram showing an example of a schematic configuration of a deposit transaction system according to a first embodiment. [Diagram 2] FIG. 2 is a diagram showing an example of a schematic configuration of a lobby deposit machine. [Diagram 3] 1 is an example of a block diagram showing the configuration of a lobby deposit machine. [Figure 4] 13 is a flowchart showing an example of a deposit receiving process performed by a control unit. [Diagram 5] 13 is a flowchart showing an example of a deposit receiving process performed by a control unit. [Figure 6] FIG. 13 is a diagram showing an example of a deposit upper limit confirmation screen. [Figure 7] FIG. 13 is a diagram showing an example of a screen for waiting for insertion of currency. [Figure 8] FIG. 13 is a diagram showing an example of a return guidance screen at a counter. [Figure 9] FIG. 13 is a diagram showing an example of a deposit continuation confirmation screen. [Figure 10] FIG. 13 is a diagram showing an example of a payment confirmation screen. [Figure 11] FIG. 13 illustrates an example of a receipt issuance confirmation screen. [Figure 12] FIG. 13 is a diagram showing an example of an offline deposit transition confirmation screen. [Figure 13] 10 is a flowchart showing an example of a process performed by a control unit when an abnormality occurs. [Figure 14] FIG. 13 is a diagram showing an example of an offline deposit transition confirmation screen. [Figure 15] FIG. 13 illustrates an example of a receipt printing screen. [Figure 16] FIG. 13 is a diagram showing an example of an online payment confirmation screen. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0008] Hereinafter, embodiments will be described in detail with reference to the accompanying drawings. <First embodiment> FIG. 1 is a diagram showing an example of a schematic configuration of a deposit transaction system 1 according to the first embodiment. The deposit transaction system 1 includes a lobby deposit machine 50, a counter terminal 40, a server 20, and a printer 95, which is installed in an area where customers can enter, such as the lobby of a financial institution's store, and is used when customers deposit money. The counter terminal 40, the server 20, and the printer 95 are similar to the counter terminal, the server, and the printer described in Patent Document 1, respectively, so that the same names and symbols are used for parts having the same functions, and detailed descriptions thereof are omitted. The lobby deposit machine 50 is a device used when customers deposit a large amount of money, and is generally capable of depositing more cash than the amount that can be deposited in an automated teller machine installed in a financial institution, a convenience store, or the like. The lobby deposit machine 50 will be described in detail later.

[0009] The lobby deposit machine 50, the counter terminal 40, and the printer 95 are capable of communicating with each other via a network 2. The network 2 is not particularly limited as long as it is a communication network used for data communication between the lobby deposit machine 50, the counter terminal 40, and the printer 95, and examples thereof include a local area network (LAN), a wide area network (WAN), the Internet, Wi-Fi, Bluetooth (registered trademark), etc. The communication line used for data communication may be either wired or wireless, and a combination of these may be used.

[0010] The lobby deposit machine 50 and the server 20 are capable of communicating with each other via a network 3. The network 3 is not particularly limited as long as it is a communication network used for data communication between the lobby deposit machine 50 and the server 20. The network 3 may be the same as the network 2.

[0011] The deposit transaction system 1 also has an accounting system host 7, which is a device for managing customer deposit accounts, and an online terminal 30 capable of communicating with the accounting system host 7. The accounting system host 7 and the server 20 are capable of communicating with each other via a network 5. The network 5 is not particularly limited as long as it is a communication network used for data communication between the accounting system host 7 and the server 20, and can be, for example, a LAN, a WAN, the Internet, or Wi-Fi. The communication line used for data communication may be either wired or wireless, and a combination of these may be used. The server 20 is not particularly limited as long as it is a terminal capable of linking the accounting system host 7, which is a higher-level machine, and the lobby deposit machine 50, and can be a notebook PC, a desktop PC, a tablet PC, a tablet terminal, a personal digital assistant (PDA), a multi-function mobile phone (a so-called "smartphone"), a mobile phone (a so-called "feature phone"), or the like.

[0012] The online terminal 30 is capable of communicating with the accounting system host 7 via the network 6, and is capable of obtaining online information regarding deposit transactions into customers' deposit accounts. Examples of the online terminal 30 include notebook PCs, desktop PCs, tablet PCs, tablet terminals, personal digital assistants (PDAs), multi-function mobile phones, mobile phones, etc. The network 6 is not particularly limited as long as it is a communications network used for data communication between the online terminal 30 and the accounting system host 7. The network 6 may be the same as the network 5.

[0013] In the deposit transaction system 1 configured as above, the lobby deposit machine 50 enables online deposits. That is, data deposited at the lobby deposit machine 50 is transmitted to the accounting system host 7 via the server 20, and the data in the customer's deposit account is updated. In this way, online deposits are deposits in which the data deposited at the lobby deposit machine 50 is processed online and the accounting system processing is completed.

[0014] However, if an error occurs while the customer is making an online deposit at the lobby deposit machine 50, the lobby deposit machine 50 will stop the online deposit. In the deposit transaction system 1, when online deposit cannot be made at the lobby deposit machine 50, the currency stored in the lobby deposit machine 50 can be deposited offline. When offline deposit is made possible, the lobby deposit machine 50 outputs a receipt with a reception number described later. Then, an attendant performs accounting processing based on the reception number, the amount of deposit, and other information printed by the printer 95, and the reception number, the amount of deposit, and other information related to the deposit to the lobby deposit machine 50. In other words, offline deposit is a deposit in which an attendant performs accounting processing using the online terminal 30, based on the reception number, etc., information printed by the printer 95, and the reception number, etc., written on the receipt output after the customer deposits money into the lobby deposit machine 50 (stored by the lobby deposit machine 50). The attendant at least checks whether the reception number written on the receipt matches the reception number printed by the printer 95, and performs offline deposit if they match. The information relating to the deposit into the lobby deposit machine 50 does not have to be printed by the printer 95, but may be displayed on the display of the counter terminal 40. From the viewpoint of use for making offline deposits, it is sufficient for the counter terminal 40 to have a function for displaying information transmitted from the lobby deposit machine 50, and it may simply be a display. Furthermore, the device that displays the information relating to the deposit into the lobby deposit machine 50 is not limited to the display of the counter terminal 40, but may also be a tablet PC, a tablet terminal, a personal digital assistant (PDA), a multi-function mobile phone (a so-called "smartphone"), a mobile phone (a so-called "feature phone"), etc. Alternatively, the clerk performs an operation on the counter terminal 40 to indicate that he / she has confirmed the information related to the deposit, such as the reception number and the deposit amount transmitted from the lobby deposit machine 50, displayed on the display of the counter terminal 40. Then, when the counter terminal 40 accepts this confirmation operation, it instructs the printer 95 to output the information related to the deposit transmitted from the lobby deposit machine 50, and the printer 95 prints this information. After that, the clerk makes the image scanner of the online terminal 30 read the information related to the deposit printed by the printer 95. Then, the online terminal 30 acquires the information related to the deposit read by the image scanner, and uses the acquired information related to the deposit to generate and transmit a message of the deposit transaction to the accounting system host 7. In this manner, the accounting system process may be executed to deposit the money deposited from the lobby deposit machine 50 into the customer's deposit account.

[0015] Furthermore, in deposit transaction system 1, when a customer makes a deposit exceeding a predetermined upper limit of the deposit amount, online deposit at lobby deposit machine 50 is not possible, and only offline deposit is possible. However, lobby deposit machine 50 is capable of storing currency that exceeds the upper limit of the deposit amount, and an attendant can make an offline deposit of currency stored in lobby deposit machine 50 that exceeds the upper limit of the deposit amount.

[0016] (50 Lobby deposit machines) Next, the lobby deposit machine 50 will be described in detail. In the following description, the same names and symbols are used for members and parts having the same shapes and functions between the lobby deposit machine 50 and the lobby deposit machine described in Patent Document 1, and detailed description thereof will be omitted. FIG. 2 is a diagram showing an example of a schematic configuration of the lobby deposit machine 50. As shown in FIG. The lobby deposit machine 50 has a receipt discharge port 53a for discharging receipts and the like, and a card insertion port 52a for inserting a customer card. The customer card may be a card for deposit only, or may be a so-called cash card that allows deposit and withdrawal. The lobby deposit machine 50 also has a display operation unit 51 for displaying a screen for customer operation and accepting touch operations on the screen. The lobby deposit machine 50 also has a coin insertion port 55a for inserting coins, a rejected coin return port 55c for ejecting coins that could not be determined to be genuine, and a coin return box 55b for returning coins that have been inserted and determined to be genuine when a predetermined operation is accepted. The lobby deposit machine 50 also has a banknote insertion / return port 54a for inserting and returning inserted banknotes, and a foreign object return port 54b for returning foreign objects such as paperclips inserted into the banknote insertion / return port 54a.

[0017] FIG. 3 is an example of a block diagram showing the configuration of the lobby deposit machine 50. As shown in FIG. The lobby deposit machine 50 has a display operation unit 51 , a card reader 52 , a receipt printer 53 , a bill deposit unit 54 , a coin deposit unit 55 , a communication unit 56 , a memory unit 57 , and a control unit 58 . The display operation unit 51 is configured with a touch panel type liquid crystal display, an organic EL display, or the like, and displays an operation reception screen and the like, and receives input operations from the user.

[0018] The bill deposit unit 54 receives bills, determines whether they are genuine, counts the bills determined to be genuine, and stores the counted bills inside. The bill deposit unit 54 has a bill storage unit 54s that stores the inserted bills determined to be genuine, and a bill escrow unit 54h that temporarily holds the inserted bills determined to be genuine from being stored in the bill storage unit 54s. When a customer agrees to deposit the bills inserted in the bill escrow unit 54h, the bill deposit unit 54 stores the bills inserted in the bill escrow unit 54h in the bill storage unit 54s. When a predetermined number of bills are inserted as the number that can be held in the bill escrow unit 54h, the bill deposit unit 54 stores the bills inserted in the bill escrow unit 54h in the bill storage unit 54s without the customer's consent.

[0019] The coin deposit unit 55 receives coins, determines whether they are genuine or not, counts the coins determined to be genuine, and stores the counted coins inside. The coin deposit unit 55 has a coin storage unit 55s that stores the inserted coins determined to be genuine, and a coin escrow unit 55h that temporarily holds the inserted coins determined to be genuine from being stored in the coin storage unit 55s. When a customer agrees to deposit the coins inserted in the coin escrow unit 55h, the coin deposit unit 55 stores the coins inserted in the coin escrow unit 55h in the coin storage unit 55s. When a predetermined number of coins are inserted as the number that can be held in the coin escrow unit 55h, the coin deposit unit 55 stores the coins inserted in the coin escrow unit 55h in the coin storage unit 55s without the customer's consent. The communication unit 56 is an interface that performs data communication with the server 20, the service terminal 40, and the printer 95 via the networks 2 and 3.

[0020] The memory unit 57 is a device for storing information, and is composed of a semiconductor memory, a HDD (Hard Disk Drive), etc. The memory unit 57 has card read data 57a, currency amount data 57e, reception number data 57f, online deposit data 57g, and offline deposit data 57h. The card read data 57a is information related to the customer read from the customer card by the card reader 52. The currency amount data 57e is information on the number of currency by denomination stored in the lobby deposit machine 50. The reception number data 57f is information on a number assigned to a transaction accepted by the lobby deposit machine 50. The online deposit data 57g is history information of online currency deposit processing performed by the lobby deposit machine 50. The offline deposit data 57h is history information of offline currency deposit processing performed by the lobby deposit machine 50.

[0021] The control unit 58 is a control unit that controls the entire lobby deposit machine 50, and has a CPU (Central Processing Unit) (not shown), a ROM (Read Only Memory) (not shown), a RAM (Random Access Memory) (not shown), etc. The ROM of the control unit 58 stores a basic program (operation system) executed by the CPU, various settings, etc. The CPU uses the RAM as a working area and executes application programs read from the ROM or the memory unit 57. The functions of the control unit 58 described below are realized by the CPU executing the programs.

[0022] The control unit 58 has an authentication processing unit 58a, a deposit processing unit 58b, and a registration data transmission unit 58e. The control unit 58 also has a display control unit 58g that controls the display of the display screen of the display operation unit 51, an input receiving unit 58h that receives input according to the operation of the display operation unit 51, and an output unit 58i that outputs information to a server or the like.

[0023] The deposit processing unit 58b determines whether the banknotes inserted into the banknote deposit unit 54 are genuine, counts the banknotes determined to be genuine, and stores them inside. The deposit processing unit 58b also determines whether the coins inserted into the coin deposit unit 55 are genuine, counts the coins determined to be genuine, and stores them inside. The deposit processing unit 58b also updates the currency inventory data 57e based on the number of bills and coins stored therein. The deposit processing unit 58b also generates information that associates the card read data 57a, the reception number data 57f, the number of bills by denomination stored in the bill deposit unit 54, and the number of coins by denomination stored in the coin deposit unit 55 for each deposit process performed in the lobby deposit machine 50, and registers the information in the online deposit data 57g or the offline deposit data 57h.

[0024] The display control unit 58g outputs data to be displayed on the display screen of the display operation unit 51 to the display operation unit 51, and controls the display on the display screen. The input receiving unit 58h receives, via the image displayed on the display screen of the display operation unit 51, an input from the user in a state in which the user has operated the image. The output unit 58i outputs information, which will be described later, to the service terminal 40, the server 20, and the printer 95.

[0025] In addition, in the deposit transaction system 1, when a deposit transaction is canceled after a banknote is stored in the banknote storage unit 54s, or when a deposit transaction is canceled after a coin is stored in the coin storage unit 55s, the lobby deposit machine 50 does not return the coins inserted through the banknote insertion / return opening 54a or the coin return box 55b, but an attendant returns the coins. This is because the lobby deposit machine 50 can return banknotes inserted in the banknote escrow unit 54h to a customer through the banknote insertion / return opening 54a, but cannot return banknotes stored in the banknote storage unit 54s to a customer. Also, the lobby deposit machine 50 can return coins inserted in the coin escrow unit 55h to a customer through the coin return box 55b, but cannot return coins stored in the coin storage unit 55s to a customer. Therefore, in the deposit transaction system 1, when the deposit transaction is canceled after the banknotes are stored in the banknote storage unit 54s, or when the deposit transaction is canceled after the coins are stored in the coin storage unit 55s, the lobby deposit machine 50 outputs a receipt indicating the reception number, etc. Then, a clerk returns the currency to the customer based on the information indicated on the receipt, the information shown on the display of the counter terminal 40, and the information printed by the printer 95.

[0026] Hereinafter, the banknote storing unit 54s and the coin storing unit 55s may be collectively referred to as a storing unit 59s, and the banknote escrow unit 54h and the coin escrow unit 55h may be collectively referred to as a escrow unit 59h.

[0027] Next, the deposit reception process performed by the control unit 58 of the lobby deposit machine 50 will be described with reference to a flowchart. 4 and 5 are flow charts showing an example of a deposit acceptance process performed by the control unit 58. The control unit 58 repeatedly executes this process at preset fixed time intervals (for example, 1 millisecond). FIG. 6 is a diagram showing an example of the deposit upper limit confirmation screen 60. FIG. 7 is a diagram showing an example of a screen 70 for waiting for insertion of money. FIG. 8 is a diagram showing an example of a return guidance screen 80 at the counter. FIG. 9 is a diagram showing an example of the deposit continuation confirmation screen 90. FIG. 10 is a diagram showing an example of the deposit confirmation screen 100. As shown in FIG. FIG. 11 shows an example of a receipt production confirmation screen 110. FIG. 12 is a diagram showing an example of the offline deposit transition confirmation screen 120. As shown in FIG.

[0028] The control unit 58 first determines whether or not a customer's card has been inserted into the card insertion slot 52a (S1). If a card has not been inserted (NO in S1), this process ends. On the other hand, if a card has been inserted (YES in S1), the control unit 58 determines whether or not the card can be used to deposit money at the lobby deposit machine 50 (S2). For example, if the settings of the inserted card, such as the format, are not predetermined settings, or if the card cannot be used at the financial institution where the lobby deposit machine 50 is installed, the control unit 58 determines that the card cannot be used to deposit money at the lobby deposit machine 50 (NO in S2), returns the card (S3), and ends this process.

[0029] On the other hand, if it is determined that money can be deposited (YES in S2), the control unit 58 determines whether communication is possible using the communication unit 56 (S4). In this process, for example, the control unit 58 makes an opening request to the communication unit 56, makes an opening request to the server 20, and determines that communication is possible if an opening response is received from the server 20 within a predetermined period (e.g., 5 seconds). If it is determined that communication is not possible (NO in S4), a message indicating that an abnormality has occurred is displayed on the display operation unit 51 (S5), and this process ends.

[0030] On the other hand, when it is determined that communication is possible (YES in S4), the control unit 58 determines whether or not confirmation of the deposit upper limit is necessary (S6). The process of S6 is a process of determining that it is necessary to have the customer confirm the deposit upper limit when a deposit upper limit is set in the lobby deposit machine 50, and determining that confirmation is not necessary when a deposit upper limit is not set. Then, when confirmation of the deposit upper limit is necessary (YES in S6), the control unit 58 displays the deposit upper limit confirmation screen 60 shown in FIG. 6 on the display operation unit 51 (S7). The process of S7 is a process displayed by the display control unit 58g on the display operation unit 51. As shown in FIG. 6, the display control unit 58g displays the words "Deposits over 1,000,000 yen require a procedure at the counter. If you agree, please press "Confirm"" on the deposit upper limit confirmation screen 60 so that the customer can confirm the deposit upper limit, and displays a confirmation image 61 with the word "Confirm" written on it. 6, the display control unit 58g displays a cancellation image 62 indicating "Cancel" to accept the cancellation of the deposit transaction on the deposit upper limit confirmation screen 60. Thereafter, when the cancellation image 62 displayed on the deposit upper limit confirmation screen 60 is pressed, the control unit 58 returns the card and ends this process (S3).

[0031] On the other hand, if confirmation of the deposit limit is not required (NO in S6), or if confirmation image 61 displayed on deposit limit confirmation screen 60 is pressed, control unit 58 determines whether or not input of the customer's phone number is required when making a deposit (S8). If input of a phone number is required (YES in S8), control unit 58 displays an input screen (not shown) for inputting a phone number on display operation unit 51 (S9). Thereafter, if an image displayed on the input screen containing the word "Cancel" is pressed, control unit 58 returns the card (S3) and ends this process.

[0032] On the other hand, if the input of the telephone number is not required (NO in S8), or if the image with "CONFIRM" written on it is pressed after the telephone number is input on the input screen, the control unit 58 displays the coin insertion waiting screen 70 shown in FIG. 7 on the display operation unit 51 to wait for the insertion of coins (S10). The process of S10 is a process in which the display control unit 58g displays the display operation unit 51. As shown in FIG. 7, the display control unit 58g displays the phrase "Please insert banknotes / coins and press 'Start counting'" on the coin insertion waiting screen 70, and also displays a start image 71 with "START COUNTING" written on it and an end image 72 with "END COUNTING" written on it. Also, as shown in FIG. 7, the display control unit 58g displays a cancel image 73 with "CANCEL" written on it, which accepts the cancellation of the deposit transaction, on the coin insertion waiting screen 70.

[0033] When the cancel image 73 displayed on the money insertion waiting screen 70 is pressed, the control unit 58 judges whether or not there is money stored in the storage unit 59s (S11). When there is no money stored in the storage unit 59s (NO in S11), the control unit 58 performs a return process (S12) and ends this process. In the return process, the control unit 58 returns the card and, if there is money stored in the temporary storage unit 59h, returns the money. On the other hand, when there is money stored in the storage unit 59s (YES in S11), the control unit 58 displays on the display operation unit 51 a return guidance screen 80 at the counter shown in FIG. 8 for guiding the user to the counter to return the card at the counter (S13). The process of S13 is a process in which the display control unit 58g displays on the display operation unit 51. As shown in FIG. 8, the display control unit 58g displays on the return guidance screen at the counter a message saying, "Refunds will be made at the counter. Please come to the counter after receiving your card. Please press "Confirm". " is displayed along with a confirmation image 81 with the word "Confirm."

[0034] On the other hand, when the start image 71 displayed on the money insertion waiting screen 70 is pressed, the control unit 58 performs a counting process to count the inserted money (S14). After performing the counting process, the control unit 58 displays the amount of money deposited so far on the money insertion waiting screen 70, and when money is inserted again and the start image 71 is pressed, the control unit 58 performs a counting process to count the inserted money. On the other hand, when the end image 72 displayed on the money insertion waiting screen 70 is pressed, the control unit 58 judges whether or not the deposit upper limit amount needs to be confirmed (S15). If the deposit upper limit amount needs to be confirmed (YES in S15), the control unit 58 judges whether or not the counted amount is equal to or less than the predetermined deposit upper limit amount (S16). If the amount is greater than the deposit upper limit amount (NO in S16), the control unit 58 displays the deposit continuation confirmation screen 90 shown in FIG. 9 on the display operation unit 51 (S17). The process of S17 is a process that the display control unit 58g displays on the display operation unit 51. As shown in Fig. 9, the display control unit 58g displays the following message on the deposit continuation confirmation screen 90 to have the user confirm that a procedure will be required at the counter: "You cannot make a deposit because it will exceed the limit. A procedure will be required, so please come to the counter after receiving your card. If you agree, please press 'Confirm'" along with the deposit amount and the predetermined upper deposit limit. Also, as shown in Fig. 9, the display control unit 58g displays a confirmation image 91 with the word 'Confirm' written on it and a cancellation image 92 with the word 'Cancel' written on it, which accepts the cancellation of the deposit transaction, on the deposit continuation confirmation screen 90.

[0035] When the cancel image 92 displayed on the deposit continuation confirmation screen 90 is pressed, the control unit 58 judges whether or not there is any money stored in the storage unit 59s (S18). When there is no money stored in the storage unit 59s (NO in S18), the control unit 58 performs a return process (S12) and ends this process. On the other hand, when there is money stored in the storage unit 59s (YES in S18), the control unit 58 displays the return guidance screen 80 at the counter shown in FIG. 8 on the display operation unit 51 (S13).

[0036] On the other hand, if confirmation of the deposit upper limit is not required (NO in S15) or if the amount is equal to or less than the deposit upper limit (YES in S16), the control unit 58 displays the deposit confirmation screen 100 shown in FIG. 10 on the display operation unit 51 (S19). The process of S19 is a process that the display control unit 58g displays on the display operation unit 51. As shown in FIG. 10, the display control unit 58g displays the words "Please confirm the deposit amount. If it is OK, please press 'Complete'" on the deposit confirmation screen 100 to have the user confirm the deposit amount along with the deposit amount. Also, as shown in FIG. 10, the display control unit 58g displays a completion image 101 with "Complete" written on it and a cancellation image 102 with "Cancel" written on it to accept cancellation of the deposit transaction on the deposit confirmation screen 100.

[0037] If the cancel image 102 displayed on the deposit confirmation screen 100 is pressed, the control unit 58 performs the processes from S11 onward. On the other hand, if the completion image 101 displayed on the deposit confirmation screen 100 is pressed, the control unit 58 displays the receipt issuance confirmation screen 110 shown in FIG. 11 (S20). The process of S20 is a process that the display control unit 58g displays on the display operation unit 51. As shown in FIG. 11, the display control unit 58g displays the words "If you need a receipt, please press 'Issue'. If you do not need a receipt, please press 'Do not issue'." on the receipt issuance confirmation screen 110 to prompt the user to confirm whether or not to issue a receipt. Also, as shown in FIG. 11, the display control unit 58g displays an image 111 for not issuing an image with "Do not issue" written on it and an image 112 for issuing an image with "Issue" written on it on the receipt issuance confirmation screen 110.

[0038] When the image 111 of not issuing a receipt or the image 112 of issuing a receipt displayed on the receipt issuance confirmation screen 110 is pressed, the control unit 58 performs a storage process to store the inserted coins in the storage unit 59s (S21). Thereafter, the control unit 58 performs a transmission process to transmit the deposit data of the money deposited in the lobby deposit machine 50 to the accounting system host 7 (S22).

[0039] Thereafter, the control unit 58 judges whether the transmission result is normal or not (S23). If the transmission result is abnormal (NO in S23), the control unit 58 displays a message that an abnormality has occurred on the display operation unit 51 (S24), and performs abnormality processing (S25). The abnormality processing will be described in detail later. On the other hand, if the transmission result is normal (YES in S23), the control unit 58 updates the online deposit data (S26). Thereafter, the control unit 58 prints a receipt if the image 112 to be issued displayed on the receipt issuance confirmation screen 110 has been pressed (S27), or prints an online deposit statement without printing a receipt if the image 111 not to be issued has been pressed (S28). In the processes of S27 and S28, the control unit 58 discharges the printed receipt, etc. from the receipt discharge port 53a of the lobby deposit machine 50. Thereafter, the control unit 58 displays a waiting-for-removal screen on the display operation unit 51 to prompt the removal of the card and the printed online deposit receipt and statement (S29), and ends this process when the card is removed.

[0040] The receipt issued when making an online deposit will include the transaction date and time, the financial institution's company name and branch name, financial institution number, deposit amount, and a tax office approval stamp, etc. The online deposit details will include a stamp indicating that it is an online deposit, as well as the transaction date and time, the card number used for the deposit, the customer's telephone number, and a deposit details by denomination, etc.

[0041] On the other hand, when the confirmation image 91 displayed on the deposit continuation confirmation screen 90 is pressed, the control unit 58 displays the offline deposit transition confirmation screen 120 shown in Fig. 12 on the display operation unit 51 (S30). The process of S30 is a process in which the display control unit 58g displays on the display operation unit 51. As shown in Fig. 12, the display control unit 58g displays the following message on the offline deposit transition confirmation screen 120 to have the user confirm the transition to offline deposit: "This deposit will be processed at the counter. After receiving your card, please come to the counter. Please press 'Confirm'.", along with a confirmation image 121 with the word "Confirm" written on it.

[0042] When the confirmation image 121 of the offline deposit transition confirmation screen 120 is pressed, the control unit 58 performs a storing process for storing the inserted money in the storing unit 59s (S31). Thereafter, the control unit 58 updates the offline deposit data (S32). Thereafter, the control unit 58 prints a receipt for the offline deposit (S33). The control unit 58 also prints an offline deposit statement (S34). In the process of S34, the control unit 58 ejects the printed offline deposit statement from the receipt ejection port 53a of the lobby deposit machine 50 and also from the printer 95. Thereafter, the control unit 58 displays a removal waiting screen on the display operation unit 51 to prompt the removal of the card, the printed receipt, and the offline deposit information (S35), and ends this process once the card has been removed.

[0043] The receipt issued when making an offline deposit will have the transaction date and time, the financial institution's company name and branch name, card number, etc. printed on it, as well as the receipt number. The offline deposit details will also have a notice printed on it that the transaction will be switched to offline deposit, as well as the transaction date and time, the card number used for the deposit, the receipt number, deposit details by denomination, etc. printed on it.

[0044] Next, the process to be performed when an abnormality occurs will be described. If it is determined in S23 that the transmission result is abnormal, the abnormality may be one of the following: Error (1): An error occurred while connecting to server 20. Anomaly (2): Anomaly in the data sent by the lobby deposit machine 50. Anomaly (3): An anomaly that occurred when sending data from the server 20 to the accounting system host 7. Anomaly (4): An anomaly that occurred when sending data from the accounting system host 7 to the server 20. Anomaly (5): An anomaly occurs when transmitting data from server 20 to lobby deposit machine 50. Abnormality (6): An abnormality occurred in which accounting system host 7 was unable to conduct transactions.

[0045] If the control unit 58 of the lobby deposit machine 50 is unable to connect to the server 20 within a predetermined period of time after sending data to the server 20, it recognizes that an abnormality (1) has occurred and that the online deposit has not been completed. In addition, if the control unit 58 receives information from the server 20 after sending data to the server 20, indicating that the accounting system host 7 is in a state where it is unable to carry out a transaction, the control unit 58 recognizes that an abnormality (6) has occurred and that the online deposit has not been completed.

[0046] Furthermore, the control unit 58 determines that the transmission result is abnormal, for example, when no response is received within a predetermined period after data is transmitted to the server 20. Here, in the case of abnormality (2) or abnormality (3), the data transmitted by the lobby deposit machine 50 has not reached the accounting system host 7, and therefore the online deposit has not been established. On the other hand, in the case of abnormality (4) or abnormality (5), the data transmitted by the lobby deposit machine 50 has reached the accounting system host 7, and therefore the online deposit may have been established. However, when no response is received, the control unit 58 is unable to recognize which of the above abnormalities (2) to (5) has occurred, and is therefore unable to determine whether the online deposit has been established or not.

[0047] The process performed by the control unit 58 when an abnormality occurs will be described below with reference to a flowchart. FIG. 13 is a flowchart showing an example of a process performed by the control unit 58 when an abnormality occurs. FIG. 14 is a diagram showing an example of the offline deposit transition confirmation screen 140. FIG. 15 is a diagram showing an example of a receipt production screen 150. FIG. 16 is a diagram showing an example of an online payment confirmation screen 160. The control unit 58 first judges whether the online deposit has not been completed (S51). The process of S51 is a process of judging whether the occurrence of the above abnormality (1) or (6) has been recognized, and if the occurrence of the above abnormality (1) or (6) has been recognized, judging that the online deposit has not been completed.

[0048] If the online deposit has not been completed (YES in S51), the control unit 58 transitions to offline deposit processing and prints an offline deposit statement (S52). In the processing of S52, the control unit 58 ejects the offline deposit statement printed by the receipt printer 53 from the receipt ejection port 53a of the lobby deposit machine 50, and ejects the offline deposit statement printed by the printer 95 from the printer 95. Thereafter, the control unit 58 performs an abnormality cancellation process when the online deposit has not been completed (S53). As the abnormality cancellation process of S53, the control unit 58 prints a message indicating that the offline deposit has been completed, and performs a reset process, etc.

[0049] Thereafter, the control unit 58 displays the offline deposit transition confirmation screen 140 shown in FIG. 14 (S54). The process of S54 is a process that the display control unit 58g displays on the display operation unit 51. As shown in FIG. 14, the display control unit 58g displays the message "This will be processed as an offline deposit. Please press "Confirm"" on the offline deposit transition confirmation screen 140, and also displays a confirmation image 141 with the word "Confirm". Thereafter, when the confirmation image 141 displayed on the offline deposit transition confirmation screen 140 is pressed, the control unit 58 prints out a receipt issued at the time of the offline deposit described above (S55) and returns the card (S56).

[0050] If the online deposit is not yet completed (NO in S51), the control unit 58 cannot recognize which of the above abnormalities (2) to (5) is the abnormality, and therefore first performs an abnormality cancellation process when the online deposit is uncertain (S57). As the abnormality cancellation process in S57, the control unit 58 prints "online deposit is uncertain" and performs a reset process, etc. After that, the control unit 58 displays the receipt printing screen 150 shown in FIG. 15 on the display operation unit 51 to confirm whether the online deposit has been completed or not (S58). As shown in FIG. 15, the control unit 58 displays the message "The account information of the card used for the deposit will be printed. Please press "Print"" on the receipt printing screen 150, and also displays a print image 151 with the word "Print" written on it.

[0051] Thereafter, when the print image 151 displayed on the receipt issuing screen 150 is pressed, the control unit 58 prints account information such as the card number of the card used for depositing (S59). Thereafter, the control unit 58 displays the online deposit confirmation screen 160 shown in FIG. 16 on the display operation unit 51 (S60). As shown in FIG. 16, the control unit 58 displays the following message on the online deposit confirmation screen 160: "Please check on the terminal whether the deposit to the account printed on the receipt has been completed, and press 'Completed' or 'Not completed'." Also, as shown in FIG. 16, the control unit 58 displays a completed image 161 with "Completed" written on it and an unsuccessful image 162 with "Not completed" written on it on the online deposit confirmation screen 160.

[0052] The clerk communicates with the accounting system host 7 using the online terminal 30, and confirms whether the online deposit process for the account listed in the account information printed on the card in S59 has been completed. If the clerk confirms that the process has been completed, he or she presses the completed image 161 displayed on the online deposit confirmation screen 160, and if the clerk cannot confirm that the process has been completed, he or she presses the not completed image 162 displayed on the online deposit confirmation screen 160.

[0053] The control unit 58 determines whether the online deposit has been completed (S61). If the completed image 161 has been pressed, the control unit 58 determines that the online deposit has been completed (YES in S61), and prints an online deposit statement (S62). Thereafter, if the issued image 112 displayed on the receipt issuance confirmation screen 110 has been pressed, the control unit 58 prints a receipt (S63), returns the card (S64), and ends this process. On the other hand, if the not issued image 111 displayed on the receipt issuance confirmation screen 110 has been pressed, the control unit 58 returns the card without printing a receipt (S64), and ends this process.

[0054] On the other hand, if the not-successful image 162 is pressed, the control unit 58 determines that the online deposit has not been successful (NO in S61), prints an offline deposit statement (S65), and performs the processes from S54 onwards. In the process of S65, the control unit 58 ejects the offline deposit statement printed by the receipt printer 53 from the receipt ejection port 53a of the lobby deposit machine 50, and ejects the offline deposit statement printed by the printer 95 from the printer 95.

[0055] As described above, the deposit transaction system 1 is a deposit transaction system including the lobby deposit machine 50 as an example of an automated machine that stores money inserted by a customer, and the online terminal 30 as an example of an attendant terminal that can execute accounting system processing for the amount of money stored by the lobby deposit machine 50. The deposit transaction system 1 can execute online deposit as an example of a first deposit transaction means that causes the lobby deposit machine 50 to store money and execute accounting system processing. For example, when the lobby deposit machine 50 stores money in the storage unit 59s in the storage process of S21 and the result of the transmission process of the deposit data transmitted by the lobby deposit machine 50 in S22 is normal, the deposit data of the customer's deposit account is updated in the accounting system host 7. The deposit transaction system 1 can also execute offline deposit as an example of a second deposit transaction means that causes the lobby deposit machine 50 to store money and the online terminal 30 to execute accounting system processing. For example, while the lobby deposit machine 50 stores coins in the storage section 59s in the storage process of S31, an attendant can use the online terminal 30 to perform accounting processes based on the receipt printed by the lobby deposit machine 50 and the information printed by the printer 95.

[0056] In the deposit transaction system 1 configured as above, the convenience of a customer who uses the lobby deposit machine 50, which is an example of an automated machine installed in a store, can be improved. That is, when a customer deposits money into an automated machine that cannot perform online deposits, the customer must go to the counter of the store and have a clerk perform accounting processing. However, by using the lobby deposit machine 50 that can perform online deposits, the customer does not need to go to the counter of the store, and the convenience of the customer is improved. In addition, in the deposit transaction system 1, the customer can perform accounting processing using the online terminal 30 with the currency stored in the lobby deposit machine 50, so that even if the amount of the deposit exceeds the upper limit, the customer can insert the currency into the lobby deposit machine 50. Therefore, according to the deposit transaction system 1, the waiting time for processing at the counter of the store can be shortened compared to when all the processes related to the deposit must be performed at the counter of the store. In addition, the store can reduce the effort of storing the currency in the lobby deposit machine 50 compared to when all the processes related to the deposit must be performed at the counter.

[0057] The deposit transaction system 1 switches between executing a transaction by online deposit or executing a transaction by offline deposit based on a predetermined condition. For example, the deposit transaction system 1, in other words, the deposit transaction system 1 selects whether to execute a transaction by online deposit or execute a transaction by offline deposit based on a predetermined condition. The predetermined condition is, for example, that the amount of money stored by the lobby deposit machine 50 exceeds a deposit upper limit amount as an example of a predetermined amount, and the transaction is executed by offline deposit on the condition that the amount of money stored by the lobby deposit machine 50 exceeds the deposit upper limit amount. This makes it possible to prevent deposits that exceed the deposit upper limit amount, for example, for the purpose of money laundering. In other words, since a store clerk can visually perform identity verification, etc. before performing accounting processing, it is possible to more reliably prevent deposits for the purpose of money laundering.

[0058] For example, the above-mentioned predetermined condition is that accounting system processing cannot be normally performed between the lobby deposit machine 50 and the accounting system host 7, which is an example of an accounting system device that manages a customer's deposit account, and the transaction is executed by offline deposit on the condition that accounting system processing cannot be normally performed between the lobby deposit machine 50 and the accounting system host 7. For example, even if communication between the lobby deposit machine 50 and the accounting system host 7 is impossible, accounting system processing can be executed for the amount of money stored by the lobby deposit machine 50 via the online terminal 30. This can reduce the waiting time for processing at the store's counter compared to when all processing related to deposits must be performed at the store's counter, thereby improving customer convenience. Also, the store can reduce the effort of storing money in the lobby deposit machine 50 compared to when all processing related to deposits must be performed at the counter.

[0059] When a transaction is cancelled after storing the coins, the lobby deposit machine 50 issues a notification guiding the customer to the counter of the store in which the lobby deposit machine 50 is installed. For example, when there is coin stored in the storage unit 59s (YES in S11 or S18), the control unit 58 of the lobby deposit machine 50 displays the counter return guidance screen 80 shown in Fig. 8 on the display operation unit 51 (S13). This makes it possible to prevent a decrease in convenience even if the lobby deposit machine 50 is configured in such a way that it cannot return stored banknotes to a customer after storing coins in the storage unit 59s.

[0060] Moreover, a deposit transaction method executable by the deposit transaction system 1 includes a step of storing the currency inserted by the customer in a lobby deposit machine 50 that stores the currency, and a step of performing accounting system processing based on data regarding the deposit of the amount of the currency stored in the storing step, which data is transmitted from the lobby deposit machine 50 to the accounting system host 7. Moreover, a deposit transaction method executable by the deposit transaction system 1 includes a step of issuing a notification guiding a customer to the counter of the store where the lobby deposit machine 50 is installed, and performing accounting system processing regarding the deposit of the amount of the stored currency via an online terminal 30 that can only be operated by staff of the store.

[0061] The lobby deposit machine 50 is an example of a deposit device that includes a storage unit 59s that stores coins inserted by a customer, a communication unit 56 that communicates with an accounting system host 7 that is an example of an accounting system device that manages the customer's deposit account, and a display operation unit 51 that is an example of a display unit that displays information. The lobby deposit machine 50 also includes a control unit 58 that, when the amount of coins stored in the storage unit 59s is equal to or less than the upper deposit limit, causes the control unit 58 to transmit data on the amount of coins stored in the storage unit 59s to the accounting system host 7 via the communication unit 56. When the amount of coins stored in the storage unit 59s exceeds the upper deposit limit, the control unit 58 causes the display operation unit 51 to display guidance to the store's counter.

[0062] Furthermore, the lobby deposit machine 50 includes a control unit 58 that performs accounting system processing for the amount of currency stored in the storage unit 59s with the accounting system host 7 when accounting system processing can be performed normally with the accounting system host 7, for example, when communication is possible. When accounting system processing cannot be performed normally with the accounting system host 7, the control unit 58 causes the display operation unit 51 to display guidance to the store's counter.

[0063] In the above-mentioned deposit transaction system 1, the control unit 58 of the lobby deposit machine 50 displays the receipt issuance confirmation screen 110 shown in Fig. 11 (S20), and prints a receipt when the image 112 to be issued is pressed (S27). This allows customers who do not need a receipt to select not to issue one by pressing the image 111 not to be issued, thereby reducing the number of receipts subject to stamp tax.

[0064] It is also possible to select whether to print the deposit amount and the tax office approved mark on the receipt. If it is possible to select whether to print the deposit amount, it may be printed only if the deposit amount is equal to or greater than a set amount. This allows you to set whether or not the amount is subject to stamp tax, which allows you to take measures against stamp tax. The setting patterns are as follows: (i) The deposit amount and the statement "approved by the tax office" are both printed on the receipt. (b) Only the amount of deposit is printed, and the tax office approval marking is not printed. (c) Neither the amount of deposit nor the notation "approved by the tax office" is printed. The title to be printed on the receipt and the title of the deposit amount may be freely determined (changed) through settings.

[0065] In addition, the number of receipts issued that are subject to stamp tax may be managed by month in the lobby deposit machine 50, and the number of receipts issued (created) per month may be confirmed and printed on the display operation unit 51. Additionally, the control unit 58 may issue a receipt without displaying the receipt issuance confirmation screen 110 to confirm whether or not to issue a receipt, or may not issue a receipt.

[0066] In the deposit transaction system 1, the counter terminal 40 does not have to be located at the counter of the store. For example, it may be carried by a staff member of the store. Furthermore, before accepting the insertion of coins from the customer, or at least before displaying the coin insertion waiting screen 70 shown in Fig. 7, the control unit 58 of the lobby deposit machine 50 may display a screen on the display operation unit 51 for prompting the customer to input the amount of coins to be inserted in this deposit transaction. If the amount of coins to be inserted input by the customer exceeds a predetermined amount, it is preferable to display on the display operation unit 51 a message that the transaction will be processed at the counter. Since there is a limit to the amount of coins that can be stored in the storage unit 59s of the lobby deposit machine 50, this is to urge the customer to process the transaction at the counter if a large amount of coins is to be inserted, and to prevent the amount of coins stored in the storage unit 59s of the lobby deposit machine 50 from exceeding or approaching the upper limit too early.

[0067] <Second embodiment> The deposit transaction system according to the second embodiment differs from the deposit transaction system 1 according to the first embodiment in that the time during which online deposits are possible at the lobby deposit machine 50 is limited. Below, the differences from the deposit transaction system 1 according to the first embodiment will be explained, and explanations of the same points as those of the deposit transaction system 1 according to the first embodiment will be omitted.

[0068] The deposit transaction system according to the second embodiment allows online and offline deposits when the process is completed within a predetermined transaction time, and allows only offline deposits outside the predetermined transaction time, and does not allow online deposits. The predetermined transaction time can be exemplified as the time when the store's counter is open, for example, 9:00 to 15:00. Alternatively, the predetermined transaction time can be exemplified as 9:00 to 17:00. Alternatively, the predetermined transaction time can be exemplified as the same time when the ATM installed in the store is in operation, for example, 8:00 to 23:00. According to the deposit transaction system according to the second embodiment configured in this way, even outside the predetermined transaction time, customers can use the lobby deposit machine 50 instead of a night safe, improving convenience.

[0069] In addition, the control unit 58 of the lobby deposit machine 50 may display on the display operation unit 51 that both online and offline deposits are possible during specified trading hours, but that deposits outside of specified trading hours require procedures to be completed at the counter.

[0070] In addition, in the deposit transaction system according to the second embodiment, a first card that is a card that can be used for online transactions (a so-called cash card) and a second card that is a card that is dedicated to deposits may be defined, and the manner in which transactions can be made may be changed according to the type of card used by the customer. For example, during a specified transaction time, the first card may be used for online deposits, in other words, direct deposits to the customer's deposit account, and the second card may be used for offline deposits, in other words, only deposits at the store's counter. Outside the specified transaction time, the second card may be used for offline deposits, and the first card may not be used. Furthermore, the control unit 58 of the lobby deposit machine 50 may display on the display operation unit 51 that the first card can be used for online deposits and the second card can be used for only offline deposits, during the specified transaction time. Furthermore, the control unit 58 may display on the display operation unit 51 that the second card can be used for offline deposits and the first card cannot be used, during a specified transaction time. Then, if it is outside of specified trading hours, the control unit 58 starts offline deposit when the second card is inserted into the card insertion slot 52a, and when the first card is inserted into the card insertion slot 52a, it displays on the display operation unit 51 "This card cannot be used at this time" or "Please remove your card."

[0071] In the deposit transaction system according to the second embodiment, online deposit may be enabled when the storage unit 59s of the lobby deposit machine 50 stores currency within a predetermined transaction time. As described above, in the deposit transaction system of the second embodiment, if the transaction is conducted within the specified trading hours, both online and offline deposits can be made, and if the transaction is conducted outside the specified trading hours, only offline deposits can be made.

[0072] <Third embodiment> The deposit transaction system according to the third embodiment differs from the deposit transaction system 1 according to the first embodiment in that the time during which offline deposits are possible at the lobby deposit machine 50 is limited. Below, the differences from the deposit transaction system 1 according to the first embodiment will be explained, and explanations of the same points as those of the deposit transaction system 1 according to the first embodiment will be omitted.

[0073] The deposit transaction system according to the third embodiment allows both online and offline deposits during predetermined prescribed transaction hours, and allows only online deposits and not offline deposits outside the prescribed transaction hours. The prescribed transaction hours can be exemplified as the hours when the store's counter is open (e.g., 9:00-15:00). This is because, outside the prescribed transaction hours, offline deposits cannot be made on the day that currency is inserted into the lobby deposit machine 50 because the counter is closed. Alternatively, the prescribed transaction hours may be the hours when an attendant is present in the lobby (e.g., 9:00-17:00).

[0074] In addition, in the deposit transaction system according to the third embodiment, online deposit may be disabled at night or early in the morning even outside of the stipulated transaction hours. For example, online deposit may be enabled during the same hours as ATMs installed in the store are in operation, for example, from 8:00 to 23:00, and online deposit may be disabled when the process is completed outside of 8:00 to 23:00 or when the storage unit 59s of the lobby deposit machine 50 has stored money. This makes it possible to close the lobby in which the lobby deposit machine 50 is located at night or early in the morning to enhance security. According to the deposit transaction system according to the third embodiment configured in this way, even outside of the stipulated transaction hours, customers can make online deposits using the lobby deposit machine 50, improving convenience.

[0075] In addition, the control unit 58 of the lobby deposit machine 50 should display on the display operation unit 51 that both online and offline deposits are possible if it is within the specified trading hours, and that only online deposits are possible if it is outside the specified trading hours.

[0076] In addition, in the deposit transaction system according to the third embodiment, a first card that is a card that can be used for online transactions (a so-called cash card) and a second card that is a card that is dedicated to depositing money may be defined, and the manner in which the transaction can be performed may be changed according to the type of card used by the customer. For example, if it is within a prescribed transaction time, online deposits may be made using the first card, and only offline deposits may be made using the second card. If it is outside the prescribed transaction time, online deposits may be made using the first card, and the second card may not be used. Furthermore, the control unit 58 of the lobby deposit machine 50 may display on the display operation unit 51 that online deposits are made using the first card, and only offline deposits are made using the second card, if it is within the prescribed transaction time. Furthermore, the control unit 58 may display on the display operation unit 51 that online deposits are made using the first card, and only offline deposits are made using the second card, if it is outside the prescribed transaction time. For example, it may display, "Insert your cash card. You can deposit money directly into your account." Then, if it is outside of the regular transaction hours, the control unit 58 may initiate an online deposit when a first card is inserted into the card insertion slot 52a, and may display on the display operation unit 51 a message saying "This card is currently unavailable" or "Please remove your card" when a second card is inserted into the card insertion slot 52a.

[0077] As described above, in the deposit transaction system of the third embodiment, if the transaction is conducted within the specified trading hours, both online and offline deposits can be made, and if the transaction is conducted outside the specified trading hours, only online deposits can be made. [Explanation of symbols]

[0078] 1... deposit transaction system, 2, 3, 5, 6... network, 7... accounting system host, 20... server, 30... online terminal, 40... counter terminal, 50... lobby deposit machine, 51... display operation unit, 56... communication unit, 58... control unit, 58g... display control unit, 95... printer

Claims

1. A deposit transaction system including an automated machine that stores currency inserted by a customer, and an attendant terminal that can execute accounting processing for the amount of the currency stored by the automated machine, a first deposit transaction means for causing the automated machine to store the money and execute the accounting system processing, and a second deposit transaction means for causing the automated machine to store the money and cause the staff terminal to execute the accounting system processing, switching between executing a transaction using the first deposit transaction means and executing a transaction using the second deposit transaction means based on a predetermined condition; the predetermined condition being that the amount of money stored by the automated machine exceeds a predetermined amount; On condition that the amount of the currency stored by the automated machine exceeds a predetermined amount, the transaction is executed by the second deposit transaction means. Deposit transaction system.

2. A deposit transaction system including an automated machine that stores currency inserted by a customer, and an attendant terminal that can execute accounting processing for the amount of the currency stored by the automated machine, a first deposit transaction means for causing the automated machine to store the money and execute the accounting system processing, and a second deposit transaction means for causing the automated machine to store the money and cause the staff terminal to execute the accounting system processing, switching between executing a transaction using the first deposit transaction means and executing a transaction using the second deposit transaction means based on a predetermined condition; the predetermined condition being that an account system process cannot be normally executed between the ATM and an account system device that manages a deposit account of the customer; The transaction is executed by the second deposit transaction means on the condition that the accounting process cannot be normally executed between the automated machine and an accounting device that manages the deposit account of the customer. Deposit transaction system.

3. When the transaction is canceled after storing the money, the automated machine issues a notification to guide the customer to the window of the store where the automated machine is installed.

3. A deposit transaction system according to claim 1 or 2.

4. If the transaction is conducted within a predetermined transaction time, the first deposit transaction means and the second deposit transaction means are executable, and if the transaction is conducted outside the predetermined transaction time, only the second deposit transaction means is executable. A deposit transaction system according to any one of claims 1 to 3.

5. If the transaction is performed within a predetermined specified trading time, the first deposit transaction means and the second deposit transaction means are executable, and if the transaction is performed outside the specified trading time, only the first deposit transaction means is executable. A deposit transaction system according to any one of claims 1 to 3.

6. A deposit transaction system including an automated machine that stores currency inserted by a customer, and an attendant terminal that can execute accounting processing for the amount of the currency stored by the automated machine, When the amount of the money inserted by the customer is equal to or less than a predetermined amount, the ATM stores the money and transmits data on the amount to an accounting system device that manages the customer's deposit account, thereby performing a first deposit transaction to deposit the money into the customer's deposit account; when the amount exceeds the predetermined amount, the ATM stores the money and outputs information on the deposit; when the amount of the money inserted into the ATM by the customer exceeds the predetermined amount, the attendant terminal performs a second deposit transaction to deposit the money into the customer's deposit account using the information on the deposit output from the ATM. Deposit transaction system.

7. A deposit transaction system including an automated machine that stores currency inserted by a customer, and an attendant terminal that can execute accounting processing for the amount of the currency stored by the automated machine, When the ATM can normally execute accounting system processing with an accounting system device that manages a customer's deposit account, it stores the coins inserted by the customer and transmits data on the amount of the coins to the accounting system device, thereby performing a first deposit transaction to deposit the coins into the customer's deposit account; when the ATM cannot normally execute accounting system processing with the accounting system device, it stores the coins and outputs information on the deposit; When the accounting system process cannot be normally performed between the ATM and the accounting system device, the attendant terminal performs a second deposit transaction using the information on the deposit output from the ATM to deposit the coins inserted by the customer into the customer's deposit account. Deposit transaction system.

8. A lobby deposit machine installed at a financial institution's store, a storage unit for storing coins inserted by a customer; a communication unit for communicating with an accounting system device that manages the deposit accounts of the customers; A display unit for displaying information; a control unit which, if the amount of money inserted by a customer is equal to or less than a predetermined specified amount, stores the money and causes the accounting system device to transmit data on the amount via the communication unit, thereby executing accounting system processing to deposit the money into the customer's deposit account, and, if the amount exceeds the predetermined amount, stores the money and causes the display unit to display guidance to a store's counter; A lobby deposit machine equipped with

9. A lobby deposit machine installed at a financial institution's store, a storage unit for storing coins inserted by a customer; A display unit for displaying information; a control unit which, when accounting system processing can be normally executed with an accounting system device which manages the deposit account of the customer, performs accounting system processing with the accounting system device for the amount of the coin inserted by the customer himself, and, when accounting system processing cannot be normally executed with the accounting system device, causes the storage unit to store the coin inserted by the customer himself and causes the display unit to display guidance to the store's counter; A lobby deposit machine equipped with

10. The control unit causes the display unit to display a guide to the counter when the transaction is canceled after the money is stored.

10. A lobby deposit machine according to claim 8 or 9.

11. A method for a deposit transaction in a deposit transaction system, comprising: storing the currency inserted by the customer in an automated machine; a first deposit step of performing an accounting system process based on data regarding the deposit of the amount of money when the amount of the money stored in the storing step is equal to or less than a predetermined amount, the data being transmitted from the ATM to an accounting system device that manages the deposit account of the customer; a second depositing step of, when the amount of the money stored in the storing step exceeds the predetermined amount, issuing a notification to guide the user to a counter of the store in which the automated teller machine is installed, and performing the accounting system processing for depositing the amount of the money stored in the storing step via an attendant terminal that can be operated only by attendants of the store; A deposit transaction method having

12. A method for a deposit transaction in a deposit transaction system, comprising: storing the currency inserted by the customer in an automated machine; a first deposit step of performing an accounting system process based on data regarding the deposit of the amount of the currency stored in the storing step, the data being transmitted from the ATM to the accounting system device, when accounting system processing can be normally performed between the ATM and an accounting system device that manages the deposit account of the customer; a second depositing step of, if the accounting system processing cannot be normally executed between the ATM and the accounting system device, issuing a notification to guide the user to a counter of the store in which the ATM is installed, and performing the accounting system processing for the deposit of the amount of the currency stored in the storing step via an attendant terminal that can be operated only by an attendant of the store; A deposit transaction method having

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