Transaction device, transaction program, and passbook issuing device

Abstract

To allow a user to easily perform a change procedure for an account type or a bankbook type of a banking institution or the like.SOLUTION: In the present invention, a transaction device that performs predetermined transaction processing by a customer operation, includes: an operation display unit; a bankbook processing unit that performs printing processing on an inserted bankbook; and a control unit that exchanges electronic messages relating to a predetermined transaction between itself and a host server after the transaction is selected on a transaction selection screen displayed on the operation display unit. When the response electric message from the host server includes information indicating that a change to an account with no bankbook is possible relating to the customer, a change confirmation screen for confirming the change from an account with a bankbook to the account with no bankbook is displayed on the operation display unit, and the control unit exchanges electronic messages relating to the change in account with the host server, after confirmation on the change confirmation screen.SELECTED DRAWING: Figure 1

Description

[Technical Field]

[0001] The present invention relates to a transaction device, a transaction program, and a passbook issuing device. [Background technology]

[0002] Financial institutions and the like store information about transactions for each customer in a ledger, and customers can record transaction information stored in the ledger of the financial institution or the like in their passbooks.

[0003] In recent years, as part of efforts to reduce costs at financial institutions, attempts have been made to reduce the number of paper passbooks, and a shift to non-paper passbook accounts has been underway.

[0004] Non-patent document 1 describes a digital passbook (a so-called web passbook) that allows customers to access the financial institution's website via a network and log in when switching to a non-passbook account, thereby enabling them to check information about their transactions.

[0005] Furthermore, Patent Document 1 discloses an automated teller machine that allows customers to apply for a non-passbook account, and that the automated teller machine allows customers to apply for a non-passbook account through operation, and that a web passbook can be selected to check bookkeeping information, etc.

[0006] Furthermore, it is possible to switch to a digital passbook via the network, for example, using online banking applications or applications installed on mobile devices such as smartphones. [Prior art documents] [Patent documents]

[0007] [Patent Document 1] Japanese Patent Application Laid-Open No. 2016-149144 [Non-patent literature]

[0008] [Non-Patent Document 1] Mitsubishi UFJ Bank, Ltd. website, “Eco Passbook (Internet Passbook)”, February 8, 2020, [Retrieved April 8, 2020] https: / / www.bk.mufg.jp / tsukau / eco_tsuchou / index.html Summary of the Invention [Problem to be solved by the invention]

[0009] Procedures for changing the type of account or passbook at a financial institution are generally handled at the counter of the financial institution. Furthermore, there remains a strong need for paper passbooks, and there are cases where customers who have switched to an account without a passbook wish to switch back to an account that issues a paper passbook (an account with a passbook). In such cases, too, the procedure is generally handled at the counter of the financial institution.

[0010] However, financial institutions and other financial institutions have limited business hours, making it difficult for customers to change their account types. While some transaction devices allow customers to change their account types, the transaction process is complicated, and there is a need for a simpler process.

[0011] Alternatively, there is a demand for transaction devices that cannot handle passbooks to be able to carry out procedures to change account types, but there is a problem in that a new passbook cannot be issued on the transaction device, particularly when switching back to an account with a passbook.

[0012] On the other hand, there is also the issue that the burden on counter staff at financial institutions, etc. increases because the process of switching to a passbook account becomes a new counter task. Therefore, there is a need for a system that allows customers to easily carry out the account type change procedure at a transaction device, and that also minimizes the burden of switching to a passbook account and issuing a passbook, thereby reducing the burden on counter staff.

[0013] Furthermore, while it is possible to check the contents of a digital bankbook using an application on a mobile device, there is also a strong desire to have a physical record of the history of a savings account.

[0014] SUMMARY OF THE INVENTION In view of the above, the present invention aims to provide a transaction device, a transaction program, and a passbook issuing device that can easily carry out procedures for changing the account type or passbook type at a financial institution or the like. [Means for solving the problem]

[0015] In order to solve the above problem, the first invention is a transaction device that performs predetermined transaction processing by customer operation, comprising an operation display unit, a passbook processing unit that performs printing processing on an inserted passbook, and a control unit that, when a predetermined transaction is selected on a transaction selection screen displayed on the operation display unit, sends and receives a message related to the transaction with a host server, and when a response message from the host server includes information indicating that the customer can change to an account without a passbook, a change confirmation screen that confirms the change from an account with a passbook to an account without a passbook is displayed on the operation display unit, and after confirmation on the change confirmation screen, the control unit executes a change confirmation process with the host server. From a passbook account to a non-passbook account account fart The system is characterized by exchanging telegrams related to changes in the information.

[0016] The second invention is a transaction device that performs predetermined transaction processing through customer operation, comprising an operation display unit, a passbook processing unit that performs printing processing on an inserted passbook, and a control unit that, when a predetermined transaction is selected on a transaction selection screen displayed on the operation display unit, sends and receives messages related to the transaction with a host server, and is characterized in that, when the response message from the host server contains information indicating that the customer's account can be switched to a non-passbook account, a screen is displayed on the operation display unit to confirm whether the customer wishes to switch to a non-passbook account.

[0017] The third aspect of the present invention is a transaction device that performs predetermined transaction processing by customer operation, and includes an operation display unit and a transaction selection screen that displays an account number, Types ofWhen a change transaction is selected, the account is transferred to the host server. Types of a control unit for sending and receiving messages relating to changes in the account, Types of When a change transaction is selected, the host server sends a response message containing the account change information for the customer. Types of When the account contains information indicating that changes to the Types of A change confirmation screen is displayed on the operation display unit, allowing the customer to decide whether to confirm or cancel the execution of the change transaction. After confirmation on the change confirmation screen, the control unit transfers the account information to the host server. Types of When a response message for the account change is received from the host server, Types of The change transaction is completed.

[0018] The fourth aspect of the present invention is a transaction device that performs predetermined transaction processing by customer operation, comprising an operation display unit and a transaction selection screen that displays an operation display unit, ... Presence or absence of a bankbook When a change transaction is selected, the account is transferred to the host server. Presence or absence of a bankbook a control unit for sending and receiving messages relating to changes in the account, Presence or absence of a bankbook When a change transaction is selected, the host server sends a response message containing the account change information for the customer. Presence or absence of a bankbook When the information indicating that the account can be changed is included, a change confirmation screen is displayed on the operation display unit, and after confirmation on the change confirmation screen, the control unit performs account change with the host server. Presence or absence of a bankbook and receive messages related to changes in the account from the host server. Whether or not you have a bankbook When the response message for permission to change is received, Presence or absence of a bankbook The transaction is completed and the account is displayed on the transaction selection screen. Presence or absence of a bankbook If the change transaction is a change transaction from an account without a passbook to an account with a passbook, a change confirmation screen including the fee for changing to an account with a passbook is displayed on the operation display unit, and after confirmation on the change confirmation screen, the control unit transfers the account to the host server. Presence or absence of a bankbook and receive messages related to changes in the account from the host server. Whether or not you have a bankbook When a response message permitting the change is received, the new passbook that has been issued is ejected from the passbook processing unit. [Effects of the Invention]

[0019] According to the present invention, procedures for changing the type of account or passbook at a financial institution or the like can be easily carried out. [Brief explanation of the drawings]

[0020] [Figure 1] 1 is an external configuration diagram showing the external configuration of a transaction device according to a first embodiment. [Figure 2] 1 is a configuration diagram showing the configuration of a transaction system according to a first embodiment and the internal configuration of a transaction device. [Figure 3] 10 is a flowchart showing the process of a passbook presence / absence switching transaction in the transaction device according to the first embodiment. [Figure 4] FIG. 4 is a diagram showing a screen displayed on the operation display unit of the transaction device of the first embodiment. [Figure 5] FIG. 3 is a diagram showing the configuration of web passbook switching information printed on a passbook in the first embodiment. [Figure 6] 10 is a flowchart showing the process of a passbook presence / absence switching transaction in a transaction device according to a second embodiment. [Figure 7] FIG. 10 is a diagram showing a screen displayed on the operation display unit of the transaction device of the second embodiment. [Figure 8] 10 is a flowchart showing the process of a passbook presence / absence switching transaction in a transaction device according to a third embodiment. [Figure 9] FIG. 10 is a diagram showing a screen displayed on the operation display unit of the transaction device of the third embodiment. [Figure 10] FIG. 11 is a diagram showing the configuration of passbook cut-back information printed on a passbook in the third embodiment. [Figure 11] 10 is a flowchart showing the process of a passbook presence / absence switching transaction in a transaction device according to a fourth embodiment. [Figure 12] FIG. 10 is a diagram showing a screen displayed on the operation display unit of the transaction device of the fourth embodiment. [Figure 13] FIG. 10 is an overall configuration diagram showing the overall configuration of a transaction system according to a fifth embodiment. [Figure 14]FIG. 13 is a configuration diagram showing an example of the configuration of customer information stored in a storage device according to the fifth embodiment. [Figure 15] FIG. 13 is a diagram illustrating an example of the configuration of registration information according to the fifth embodiment. [Figure 16] FIG. 10 is a sequence diagram (part 1) showing the processing operations in the transaction system according to the fifth embodiment. [Figure 17] FIG. 10 is a sequence diagram (part 2) showing the processing operations in the transaction system according to the fifth embodiment. [Figure 18] FIG. 13 is a screen diagram showing an example of a screen displayed on the information processing terminal of the fifth embodiment. [Figure 19] FIG. 13 is a configuration diagram showing the configuration of a transaction system according to a seventh embodiment and the internal configuration of a transaction device. [Figure 20] 13 is a flowchart (part 1) showing the process of a passbook presence / absence switching transaction and screen transitions in a transaction device according to a seventh embodiment. [Figure 21] 13 is a flowchart (part 2) showing the process of a passbook presence / absence switching transaction and screen transitions in the transaction device according to the seventh embodiment. [Figure 22] 13 is a flowchart (part 3) showing the process of a passbook presence / absence switching transaction and screen transitions in the transaction device according to the seventh embodiment. [Figure 23] FIG. 13 is a diagram showing the configuration of a transaction system according to an eighth embodiment and the internal configuration of a transaction device. [Figure 24] 13 is a flowchart showing the processing operation in the transaction device according to the eighth embodiment. [Figure 25] FIG. 13 is a diagram (part 1) showing a screen displayed on the operation display unit of the transaction device of the eighth embodiment. [Figure 26] FIG. 20 is a configuration diagram showing an example of the configuration of customer information stored in a storage device according to the eighth embodiment. [Figure 27] FIG. 20 is a diagram (part 2) showing a screen displayed on the operation display unit of the transaction device of the eighth embodiment. [Figure 28] 13 is a flowchart showing the processing operations for issuing a new passbook in the passbook issuing device in the eighth embodiment. [Figure 29] FIG. 13 is a diagram showing a screen displayed on the operation display unit of the passbook issuing device of the eighth embodiment. [Figure 30] FIG. 10 is a configuration diagram showing the configuration of a transaction system according to a sixth embodiment and the internal configuration of a transaction device. [Figure 31] A sequence diagram showing processing operations in a trading system related to the sixth embodiment. DETAILED DESCRIPTION OF THE INVENTION

[0021] (A) First embodiment A first embodiment of a transaction device, a transaction program, and a passbook issuing device according to the present invention will be described in detail below with reference to the drawings.

[0022] (A-1) Configuration of the First Embodiment [External configuration of transaction device] FIG. 1 is an external configuration diagram showing the external configuration of a transaction device according to a first embodiment.

[0023] In FIG. 1, the transaction device 10 has a housing 11, a passbook slot 12, a card slot 13, a receipt slot 14, a bill slot 15, a coin slot 16, and an operation display unit 17.

[0024] The transaction device 10 performs a predetermined transaction by customer operation. Here, the transaction device 10 is assumed to be an ATM (Automatic Teller Machine) installed in, for example, a financial institution's branch, a retail store such as a convenience store, a train station, an airport, etc.

[0025] The passbook slot 12 is a part that accepts and returns (ejects) paper passbooks (hereinafter simply referred to as "passbooks").

[0026] The card slot 13 is a section for accepting and returning (discharging) cards such as cash cards or credit cards used in transactions. The statement slot 14 is a section for discharging statement slips on which information about the transaction is printed.

[0027] The banknote slot 15 is a portion for receiving and discharging banknotes inserted in a transaction. The coin slot 16 is a portion for receiving and discharging coins inserted in a transaction.

[0028] The operation display unit 17 is, for example, a display having a touch panel function. The operation display unit 17 displays, for example, a transaction selection menu screen (hereinafter also referred to as a "customer waiting screen"), a screen for proceeding with a selected transaction, and the like, and also accepts input operations by the customer. Here, the operation display unit 17 is illustrated as being a touch panel display, but is not limited to this, and may be equipped with, for example, physical buttons or a separately provided display (such as an auxiliary display unit).

[0029] [Internal structure of the transaction device] FIG. 2 is a configuration diagram showing the configuration of the transaction system according to the first embodiment and the internal configuration of the transaction device 10. As shown in FIG.

[0030] In FIG. 2, the transaction device 10 includes a control unit 1, a passbook processing unit 2, a card processing unit 3, a receipt processing unit 4, a banknote deposit / withdrawal unit 5, a coin deposit / withdrawal unit 6, a memory unit 7, and a communication unit 8.

[0031] The configuration of the transaction device 10 is not limited to the configuration illustrated in FIG. 1 , and may include a two-dimensional code reader for optically or magnetically reading two-dimensional codes such as QR Code (registered trademark). The transaction device 10 may also include a short-range wireless communication unit, such as NFC (Near Field Communication) or Bluetooth (registered trademark), for short-range wireless communication with a customer's mobile terminal (e.g., a smartphone). The transaction device 10 may also include a motion sensor or a sensor for detecting the customer's hand contact with the operation display unit 17 to detect the presence of the customer. The transaction device 10 may also include an imaging unit (e.g., a camera) for capturing an image of the customer's face, hands, etc. The transaction device 10 may also include optical character recognition (OCR) means for processing a transaction by reading an image of one side of a document, for example.

[0032] (control unit, memory unit) The control unit 1 is a processing unit or device that controls various functions of the trading device 10. The control unit 1 has, for example, a CPU, a ROM, a RAM, an EEPROM, an input / output interface, etc., and the various functions of the trading device 10 are realized by the control unit 1 executing processing programs (for example, transaction programs related to various transactions, etc.).

[0033] The control unit 1 performs predetermined transaction processing such as withdrawal transactions of cash (banknotes and coins), deposit transactions of cash into a customer's account, transfer transactions such as transfers from a customer's account to a designated account or cash transfers, and balance inquiries.

[0034] The control unit 1 also performs a "passbook / non-passbook switching transaction" to switch a customer's opened account to an account that does not issue a paper passbook (hereinafter also referred to as a "non-passbook account") or to an account that issues a paper passbook (hereinafter also referred to as a "passbook account"). More specifically, the "passbook / non-passbook switching transaction" is a transaction process related to account switching that switches to a non-passbook account or switches back from a non-passbook account to an account with a passbook, through a customer's operation on the transaction device 10.

[0035] Generally, a customer opens an account at a counter of a financial institution or the like. In particular, when a customer who has switched to an account without a passbook wishes to switch back to an account with a passbook, this has traditionally been a procedure that has been carried out at the counter, but according to this embodiment, the account can be switched by the customer's operation on the transaction device 10. As a result, the burden on counter operations is also reduced. A detailed explanation of the passbook presence / absence switching transaction in the first embodiment will be given in the section on operation.

[0036] The storage unit 7 stores a processing program relating to a transaction, data required for processing by the control unit 1, and information relating to the transaction obtained by the processing by the control unit 1.

[0037] (Communications Department) The communication unit 8 sends and receives information including transaction messages to and from the host server 20 via the network NT. The communication control (communication protocol) via the network NT is not particularly limited, and the Internet Protocol (IP) or the like can be applied.

[0038] (Bankbook processing unit) The passbook processing unit 2 reads passbook information from a recording medium (e.g., a magnetic stripe) attached to a passbook inserted through the passbook entrance / exit 12 and provides it to the control unit 1, or records transaction-related accounting information in the passbook and ejects it from the passbook entrance / exit 12.

[0039] (Card processing unit) The card processing unit 3 reads card information from a recording medium (e.g., an IC chip, a magnetic stripe, etc.) attached to a card (e.g., a cash card, a credit card, etc.) inserted through the card slot 13 and provides the card information to the control unit 1, and ejects the card from the card slot after the transaction is completed.

[0040] (Detailed slip processing unit) The statement processor 4 prints transaction information on a medium (such as paper) and discharges the printed statement from the statement outlet 14. The statement processor 4 prints information such as the transaction date, transaction type, transaction amount, and balance.

[0041] (Banknote deposit and withdrawal section) During deposit processing, the banknote deposit / withdrawal unit 5 performs authentication and counting of banknotes inserted through the banknote deposit / withdrawal port 15 and transports them to a cassette for each denomination. During withdrawal processing, the banknotes to be withdrawn are fed from the cassette for each denomination and discharged from the banknote deposit / withdrawal port 15.

[0042] (Coin deposit and withdrawal section) During the deposit process, the coin depositing / withdrawing unit 6 performs authenticity verification and counting of coins inserted through the coin depositing / withdrawing port 16, and transports the coins to a cassette for each denomination. During the withdrawal process, the coins to be withdrawn are fed from the cassette for each denomination and discharged from the coin depositing / withdrawing port 16.

[0043] (host server, storage device) The host server 20 is an accounting system host server that is connected to the network NT and performs predetermined transaction processing such as deposit processing, withdrawal processing, etc. The host server 20 is connected to a plurality of transaction devices 10 via the network NT and communicates with each transaction device 10. The host server 20 also manages the storage device 21.

[0044] The storage device 21 stores customer information that associates customer account information, user information, etc. The account information includes, for example, the account holder, financial institution, branch name, account number, deposit amount (balance information), a passbook presence / absence flag indicating whether the account is an account without a passbook or an account with a passbook, a flag indicating whether the account has been switched to a web passbook, a personal identification number, and information indicating that no entries have been made in the passbook.

[0045] The bookkeeping information or unbookkeeping information includes, for example, the transaction date, transaction type, transaction amount, balance, etc. Furthermore, the user information includes personal information such as the customer's name, address, telephone number, and account information for websites of financial institutions, etc. The account information is information required for registration, and includes, for example, login information for logging in to websites (e.g., ID number, password, etc.), information required for identity authentication, email address, etc.

[0046] (A-2) Operation of the First Embodiment Next, the processing operation of the passbook presence / absence switching transaction in the transaction device 10 according to the first embodiment will be described in detail with reference to the drawings.

[0047] FIG. 3 is a flowchart showing the process of a passbook presence / absence switching transaction in the transaction device 10 according to the first embodiment.

[0048] In the first embodiment, an example is given of a case where a customer who has a passbook performs a process (transaction process) to switch to a web passbook as a new transaction on a transaction device installed in a financial institution, etc. That is, an example is given of a case where a "web passbook switching transaction" that enables switching to a web passbook is performed among passbook / non-passbook switching transactions. Note that although the term "web passbook" is used in this embodiment, it is not limited to this name and may also be, for example, a web passbook, digital passbook, internet passbook, ECO passbook, smart passbook, smartphone passbook, smart passbook, passbook-less, online passbook, or no passbook.

[0049] Here, the "web passbook switching transaction" is a transaction process that switches to a non-passbook account (passbook-less account) for which a passbook is not issued, and also sets up a web passbook that allows access to the website of a financial institution, etc. via a network and allows viewing and confirmation of bookkeeping information related to past transactions in a web browser. Switching from a paper passbook to a web passbook can be done on the transaction device 10, which is convenient for customers and reduces the burden on counter work for staff at financial institutions, etc.

[0050] [S101] First, in the transaction device 10, under the control of the control unit 1, a customer waiting screen (transaction selection menu screen) is displayed on the operation display unit 17 (S101).

[0051] 4A and 4B are diagrams of screens displayed on the operation display unit 17 of the transaction device 10 of the first embodiment. As shown in Fig. 4A, the transaction selection menu screen 500 has a "Switch to Web Passbook" button 501 for setting the Web passbook in addition to the existing various transaction selection buttons 502.

[0052] The control unit 1 determines the selection button selected by the customer on the transaction selection menu screen 500 of the operation display unit 17. When any of the existing transaction selection buttons 502 is selected, the selected transaction is carried out.

[0053] [S102~S104] Furthermore, when the customer selects the "Web passbook switch" button 501 on the transaction selection menu screen 500 in Fig. 4(A) (S102), a screen prompting the customer to insert a passbook (passbook insertion screen: see Fig. 4(B)) is displayed on the operation display unit 17, and the customer inserts the passbook into the passbook slot 12 (S104). Note that in this embodiment, after the passbook is inserted, the customer may be asked to input a PIN number, or, for example, a card, which will be described later, may be inserted instead of inserting the passbook. In such cases, when the passbook is later inserted, information 601, which will be described later, is printed on the passbook.

[0054] When the passbook processing unit 2 detects that a passbook has been inserted, it reads the passbook information stored in a recording medium (for example, a magnetic stripe MS) attached to the inserted passbook.

[0055] Here, when the "Web Passbook Switch" button 501 is selected on the operation display unit 17, a screen prompting the customer to insert a card or input a PIN number may be displayed, and the customer may insert the card or input the PIN number (S103). In this case, the card processing unit 3 reads the card information stored in a recording medium such as an IC chip or magnetic stripe attached to the card inserted through the card slot 13, and provides the card information to the control unit 1. Here, the card information includes the name of the financial institution, the branch name, the account number, the name of the account holder, etc.

[0056] [S105] The control unit 1 generates a message (hereinafter also referred to as a "WEB passbook switching message") including information requesting setting (switching) to the WEB passbook and passbook information, and sends it to the host server 20 (S105).

[0057] More specifically, the web passbook switching message includes, for example, information indicating that the customer has applied for an account without a passbook, information indicating that the account will be switched to a web passbook, passbook information, etc. The passbook information may include, for example, information such as the financial institution, branch name, account holder, etc.

[0058] The web passbook switching message includes information for identifying the customer's account information, but this is not limited to passbook information and may also include other information such as card information and PIN numbers. If other information is required when setting up a web passbook, the customer may be prompted to input the necessary information into the transaction device 10, and the input information may be included in the message.

[0059] Furthermore, when communication between the transaction device 10 and the host server 20 starts, the operation display unit 17 may display a screen showing that switching to the web passbook is in progress, as shown in FIG. 7(C).

[0060] Based on the WEB passbook switching message from the transaction device 10, the host server 20 switches the customer's account to a non-passbook account that does not issue a paper passbook, and also sets up a WEB passbook that allows the customer to view accounting information on the website of a financial institution, etc.

[0061] Here, if the customer's account information includes unposted information, the host server 20 returns a response message including the unposted information to the transaction device 10. "Unposted information" is transaction information of transactions carried out by the customer prior to the transaction date of the web passbook switching transaction, for which posting to the passbook has not yet been carried out.

[0062] Furthermore, if there is a large amount of unposted information, including the unposted information in the response message will increase the amount of communication, affecting traffic and increasing the time required to post to the passbook. Therefore, it is possible to include in the response message unposted information from a predetermined period, such as six months or one year from the transaction date, or a predetermined number of unposted information.

[0063] [S106~S108] When the transaction device 10 receives a response message from the host server 20 (S106), the control unit 1 determines whether or not the response message from the host server 20 includes non-entry information (S107). If non-entry information is present (S107 / YES), a screen indicating that the entry information is being entered into the passbook is displayed on the operation display unit 17 (FIG. 4(C)), and the passbook processing unit 2 prints the entry information on the passbook (S108). On the other hand, if non-entry information is not present (S107 / NO), the process proceeds to S109.

[0064] [S109~S110] The passbook processing unit 2 prints on the passbook information indicating that the switch to the web passbook has been completed (S109). Furthermore, the passbook processing unit 2 may clear the recording medium (e.g., magnetic stripe MS) of the passbook (e.g., degauss the magnetic stripe) to prevent transactions using the passbook (S110).

[0065] FIG. 5 is a diagram showing the configuration of the web passbook switching information printed on the passbook in the first embodiment.

[0066] The WEB passbook switching information illustrated in FIG. 5(A) is an example of a case where information 601 stating "WEB passbook switching completed" is printed on a line below the last line where the transaction information is recorded in the passbook 600. The printing position of this information 601 is not limited to any position after the last line of the transaction information entered in the passbook, and may be the line following the last line, the line immediately following the last line, or the last line at the bottom of the passbook page, etc. Furthermore, the information 601 shown in Fig. 5(A) only contains the text "Web passbook switched," but may also contain date and time information of the transaction date when the web passbook switching transaction was performed.

[0067] 5(B) shows the web passbook switching information as an example of the case where the transaction is recorded in the passbook. In other words, information 602 is recorded in the passbook as the web passbook switching transaction recording information. In this case, since no transaction amount is generated, an asterisk (*) or the like is used.

[0068] [S111~S112] 4(D) is displayed on the operation display unit 17 of the transaction device 10, the passbook, card, or other medium is returned (S111), and the transaction is completed. After that, a customer waiting screen is displayed on the operation display unit 17 to accept the next transaction (S112).

[0069] (A-3) Effects of the First Embodiment As described above, according to the first embodiment, it is possible to switch to a web passbook in a transaction device installed in a financial institution or the like.

[0070] (B) Second embodiment Next, a second embodiment of a transaction device, a transaction program, and a passbook issuing device according to the present invention will be described with reference to the drawings.

[0071] The second embodiment illustrates a case where a customer who holds a passbook switches to a web passbook when using the passbook to carry out other transactions (withdrawal transactions, deposit transactions, etc.).

[0072] (B-1) Configuration and operation of the second embodiment The configuration of the transaction device 10 of the second embodiment is basically the same as that of the first embodiment shown in Figures 1 and 2. Therefore, the second embodiment will be described using Figures 1 and 2.

[0073] FIG. 6 is a flowchart showing the process of a passbook presence / absence switching transaction in the transaction device 10 according to the second embodiment.

[0074] The following describes an example in which a customer performs a process of switching to a web passbook when making a withdrawal transaction on the transaction device 10. The transaction performed by the customer is not limited to a withdrawal, but may be other transaction items such as a deposit or a transfer.

[0075] [S101, S201] In the transaction device 10, a customer waiting screen (transaction selection menu screen) is displayed on the operation display unit 17 under the control of the control unit 1 (S101). For example, on the transaction selection menu screen 500 illustrated in FIG. 7(A), the customer selects the "Withdraw" button (S201).

[0076] [S202~S207] An existing withdrawal transaction is carried out at the transaction device 10. For example, a screen prompting the customer to insert a card and / or a passbook is displayed on the operation display unit 17, and in response, the customer inserts the card into the card slot 13 and / or the passbook into the passbook slot 12 (S202).

[0077] When the card processing unit 3 detects the insertion of a card, it reads the card information stored in the recording medium of the card and provides the card information to the control unit 1. When the passbook processing unit 2 detects the insertion of a passbook, it reads the passbook information from the recording medium of the passbook and provides the passbook information to the control unit 1.

[0078] Furthermore, a screen for inputting a personal identification number is displayed on the operation display unit 17, and the customer inputs a personal identification number on the input screen (S203). The input personal identification number is given to the control unit 1.

[0079] Furthermore, an input screen for inputting the withdrawal amount for the withdrawal transaction is displayed on the operation display unit 17, and the customer inputs the withdrawal amount on the input screen (S204). Information on the input withdrawal amount is provided to the control unit 1.

[0080] The control unit 1 creates a message including transaction information related to the withdrawal transaction and transmits the message to the host server 20 (S205). For example, the message includes the name of the financial institution, the branch name, the account holder, the account number, the transaction type (information indicating "withdrawal" in this example), the transaction amount, etc.

[0081] The host server 20 performs the withdrawal transaction process based on the information contained in the received message, and returns a response message to the transaction device 10.

[0082] At this time, the host server 20 may refer to the customer's transaction history from the storage device 21, determine whether the customer is able to switch to a web passbook, and return the determination result (i.e., information indicating whether or not switching to a web passbook is possible) to the transaction device 10 in a response message.

[0083] Here, various criteria and methods can be applied to determine whether or not switching to a web passbook is possible, and if the procedure needs to be completed at a financial institution or other counter, it will be determined that switching to a web passbook is not possible.

[0084] For example, if a customer has held multiple accounts over many years, which requires multiple complex procedures and switching to a non-passbook account or a web passbook is only possible by completing the procedures at a financial institution's counter, it may be determined that switching to a web passbook is not possible.

[0085] On the other hand, for example, if an application for account information has already been completed on a financial institution's website, but the setting for switching to a non-passbook account (passbook-less) or a web passbook has not been made, and the customer continues to use an account with a passbook, it can be determined that switching to a web passbook is possible.

[0086] When the transaction device 10 receives the response message from the host server 20 (S205), it performs transaction processing. For example, the transaction device 10 counts the cash for the withdrawal transaction and dispenses the cash (S206). In addition, the passbook processing unit 2 prints accounting information based on the current transaction information in the passbook (S207).

[0087] [S208, S209] The transaction device 10 determines whether or not switching to the web passbook is possible based on the determination result indicating whether or not switching to the web passbook is possible, which is included in the response message received from the host server 20 (S208).

[0088] When switching to a web passbook is possible (S208 / YES), the web passbook switching confirmation screen 510 shown in Figure 7(B) is displayed on the operation display unit 17 to confirm with the customer whether or not to switch to a web passbook (S209).

[0089] On the other hand, if switching to the WEB passbook is not possible (S208 / NO), the process proceeds to S215, the medium is returned (S215), the process ends, and a customer waiting screen is displayed on the operation display unit 17 for the next transaction (S216).

[0090] [S210] When a customer wishes to switch to a web passbook, the customer selects the "Confirm" button 511 on the web passbook switching confirmation screen 510 in FIG. 7(B) (S210 / YES), and the process proceeds to S211.

[0091] On the other hand, if the customer does not wish to switch to the WEB passbook, the customer selects the "Cancel" button 512 on the WEB passbook switching confirmation screen 510 in Figure 7(B) (S210 / NO), the process proceeds to S215, the medium is returned (S215), the process ends, and the customer waiting screen is displayed on the operation display unit 17 for the next transaction (S216).

[0092] [S211] When the customer selects the "Confirm" button 511 on the WEB passbook switching confirmation screen 510 in Figure 7 (B), the control unit 1 generates a message (WEB passbook switching message) containing information requesting switching to a WEB passbook and passbook information, and sends it to the host server 20 (S211).

[0093] When communication between the transaction device 10 and the host server 20 starts, the operation display unit 17 may display a screen showing that the process of switching to the web passbook is in progress, as shown in FIG. 7(C).

[0094] Similar to the first embodiment, the host server 20 that has received the web passbook switching message switches the customer's account to a non-passbook account that does not issue a paper passbook, and sets up the web passbook to enable the customer to view accounting information on the website of the financial institution, etc. Then, the host server 20 returns a response message to the transaction device.

[0095] [S212~S214] When the transaction device 10 receives a response message from the host server 20 (S212), the passbook processing unit 2, under the control of the control unit 1, prints WEB passbook switching information indicating that switching to the WEB passbook has been completed on the passbook (S213). Furthermore, the passbook processing unit 2 may clear (e.g., degauss) the recording medium (magnetic stripe MS) of the passbook to prevent transactions using the passbook (S214).

[0096] [S215~S216] 7(D) is displayed on the operation display unit 17 of the transaction device 10, the passbook, card, or other medium is returned (S215), and the transaction is completed. After that, a customer waiting screen is displayed on the operation display unit 17 to accept the next transaction (S216).

[0097] (B-2) Effects of the Second Embodiment According to the second embodiment, it has become possible to switch to a web passbook when a transaction is completed at an ATM (automated teller machine) installed in a financial institution or the like.

[0098] (C) Third embodiment Next, a third embodiment of the transaction device, transaction program, and passbook issuing device according to the present invention will be described with reference to the drawings.

[0099] The third embodiment illustrates a case where a customer who has switched to a web passbook wishes to switch back to a paper passbook, and then switches back to a paper passbook.

[0100] (C-1) Configuration and Operation of the Third Embodiment The configuration of the transaction device 10 of the third embodiment is basically the same as that of the first and second embodiments shown in Figures 1 and 2. Therefore, the third embodiment will also be described using Figures 1 and 2.

[0101] FIG. 8 is a flowchart showing the process of a passbook presence / absence switching transaction in the transaction device 10 according to the third embodiment.

[0102] [S101] In the transaction device 10, under the control of the control unit 1, a customer waiting screen (transaction selection menu screen) is displayed on the operation display unit 17 (S101).

[0103] For example, the transaction selection menu screen 500 illustrated in Figure 9(A) has a "Revert to existing passbook (paper passbook)" button 506 for performing a transaction to revert to a paper passbook (also referred to here as an "existing passbook").

[0104] [S301, S302] When the customer selects the "Return to existing passbook" button 506 on the transaction selection menu screen 500 in Figure 9 (A) (S301), a screen (card insertion screen) prompting the customer to insert a card is displayed on the operation display unit 17, and the customer inserts the card into the card slot 13 (S302). The card information read by the card processing unit 3 is provided to the control unit 1.

[0105] Furthermore, a screen for inputting a personal identification number is displayed on the operation display unit 17, and the customer inputs a personal identification number on the input screen (S303). The input personal identification number is given to the control unit 1.

[0106] [S304, S305] In the transaction device 10, the existing passbook reversion confirmation screen 520 shown in Figure 9 (B) is displayed on the operation display unit 17 (S304), and when the customer wishes to revert to an existing passbook, the customer selects the "Confirm" button 521 on the existing passbook reversion confirmation screen 520 (S305 / YES), and processing proceeds to S305.

[0107] When switching back to a paper passbook, fees such as tax and a passbook issuance fee are incurred. As shown in Existing Passbook Switch-Back Confirmation Screen 520 in FIG. 9(B), the customer is informed of the fees and asked to confirm switching back to a paper passbook. The fee for switching back to a paper passbook may be debited from the customer's account. Alternatively, the fee may be collected from the customer individually for each switch-back transaction, debited from the customer's account at a predetermined time such as the end of the month, or the customer may select the fee collection method.

[0108] On the other hand, if the customer does not want to switch back to the existing passbook, the customer selects the "Cancel" button 522 on the existing passbook switchback confirmation screen 520 (S305 / NO), the process proceeds to S309, the medium is returned (S309), the process ends, and the customer waiting screen is displayed on the operation display unit 17 for the next transaction (S310).

[0109] [S306] When the customer selects the "Confirm" button 521 on the existing passbook reversion confirmation screen 520 in Figure 9 (B), the control unit 1 generates a message (existing passbook reversion message) including information indicating a request to revert to an existing passbook, card information, PIN number, etc., and sends it to the host server 20 (S306).

[0110] When communication between the transaction device 10 and the host server 20 starts, the operation display unit 17 may display a screen showing that the process of switching back to the existing passbook is in progress, as shown in FIG. 9(C).

[0111] Upon receiving the existing passbook reversion message, host server 20 performs processing to switch the customer's account to a passbook account for which a paper passbook will be issued, based on the received existing passbook reversion message. Host server 20 then returns a response message including the customer's account information to the transaction device. The account information related to the reversion to an existing account includes, for example, the name of the financial institution, the branch name, the account holder's name, the account number, and the account balance.

[0112] [S307, S308] When the transaction device 10 receives a response message from the host server 20 (S307), the passbook processing unit 2 records information related to the passbook information on the passbook recording medium (e.g., a magnetic stripe) and issues the passbook (S308) under the control of the control unit 1. While the passbook is being issued, a passbook issuance processing screen 523, exemplified in FIG. 9(D), may be displayed on the operation display unit 17.

[0113] The passbook processing unit 2 prints the branch name, account number, account holder name, etc. on the front and back covers of the passbook, and also prints the account balance amount, etc. on the first page of the passbook.

[0114] At this time, the passbook processing unit 2 may print information 603 indicating that the transaction is a "passbook reversal" on the cover of the passbook, as shown in Fig. 10(A), to clarify that the transaction is not a "passbook reversal" associated with the opening of a new account, but a "passbook reversal" associated with the opening of a new account. When printing on the passbook, the passbook processing unit 2 may print information indicating that the transaction type is "passbook reversal" on the first page of the passbook, as shown in information 604 in Fig. 10(B), and may also print the transaction date ("yy-mm-dd") and the account balance.

[0115] [S309~S310] In the transaction device 10, for example, the screen shown in Fig. 7(D) of the second embodiment is displayed on the operation display unit 17, and the medium such as the passbook or card is returned (S309), completing the transaction. Thereafter, a customer waiting screen is displayed on the operation display unit 17 to accept the next transaction (S310).

[0116] (C-2) Effects of the Third Embodiment As described above, according to the third embodiment, it is possible to revert to an existing paper passbook in a transaction device installed in a financial institution or the like.

[0117] (D) Fourth embodiment Next, a fourth embodiment of the transaction device, transaction program, and passbook issuing device according to the present invention will be described with reference to the drawings.

[0118] The fourth embodiment illustrates a case where a customer who does not have a passbook performs a process (transaction process) of switching to a web passbook as a new transaction on a transaction device.

[0119] (D-1) Configuration and Operation of the Fourth Embodiment The configuration of the transaction device 10 of the fourth embodiment is basically the same as that of the first to third embodiments shown in Figures 1 and 2. Therefore, the fourth embodiment will also be described using Figures 1 and 2.

[0120] FIG. 11 is a flowchart showing the process of a passbook presence / absence switching transaction in the transaction device 10 according to the fourth embodiment.

[0121] [S101] In the transaction device 10, under the control of the control unit 1, a customer waiting screen (transaction selection menu screen of FIG. 12(A)) is displayed on the operation display unit 17 (S101).

[0122] [S401~S403] When the customer selects the "Web passbook switch" button 501 on the transaction selection menu screen 500 in Figure 12 (A) (S401), a screen (card insertion screen) prompting the customer to insert a card is displayed on the operation display unit 17, and the customer inserts the card into the card slot 13 (S402). The card information read by the card processing unit 3 is provided to the control unit 1.

[0123] Furthermore, a screen for inputting a personal identification number is displayed on the operation display unit 17, and the customer inputs a personal identification number on the input screen (S403). The input personal identification number is given to the control unit 1.

[0124] [S404, S405] When the control unit 1 detects that a card has been inserted and a PIN number has been entered without inserting a passbook after the "Web passbook switching" button 501 has been selected on the transaction selection menu screen 500 in Fig. 12(A), the control unit 1 determines to perform a web passbook switching transaction process without a passbook. If it determines in this way, the control unit 1 displays a web passbook switching confirmation screen 510, an example of which is shown in Fig. 12(B), on the operation display unit 17 (S404).

[0125] When the customer wishes to switch to the web passbook, the customer selects the "Confirm" button 511 on the web passbook switching confirmation screen 510 (S405 / YES), and the process proceeds to S406.

[0126] On the other hand, if the customer does not wish to switch to the web passbook, the customer selects the "Cancel" button 512 on the web passbook switching confirmation screen 510 (S405 / NO), and the process proceeds to S408.

[0127] [S406] When the customer selects the "Confirm" button 511 on the WEB passbook switching confirmation screen 510 in Figure 12 (B), the control unit 1 generates a message (WEB passbook switching message without passbook) containing information requesting switching to a WEB passbook, card information, PIN number, etc., and sends it to the host server 20 (S406).

[0128] When communication between the transaction device 10 and the host server 20 is started, the operation display unit 17 may display a screen showing that switching to the web passbook is in progress, as shown in FIG. 12(C).

[0129] Upon receiving the passbook-less web passbook switching message, host server 20 switches the customer's account to a passbook-less account and sets up a web passbook based on the received passbook-less web passbook switching message. After setting up the web passbook, host server 20 returns a response message to transaction device 10.

[0130] [S407~S409] When the transaction device 10 receives a response message from the host server 20 (S407), the control unit 1 displays screen 515 of Fig. 12(D) on the operation display unit 17, notifying the customer that the switch to the web passbook has been completed, and the passbook, card, and other media are returned (S408), completing the transaction. Thereafter, a customer waiting screen is displayed on the operation display unit 17 to accept the next transaction (S409).

[0131] (D-3) Effects of the Fourth Embodiment As described above, according to the fourth embodiment, in a transaction device installed in a financial institution or the like, it is possible to switch to a web passbook even when a passbook is not used.

[0132] (E) Fifth embodiment Next, a fifth embodiment of a transaction device, a transaction program, and a passbook issuing device according to the present invention will be described with reference to the drawings.

[0133] [Basic concept] For example, customers can view and check their online passbooks using information processing terminals equipped with application software for Internet banking and financial transactions, but the need for passbooks remains strong, and there is a desire to record transaction history in passbooks.

[0134] Even in the past, it was possible to print out the transaction history viewed in a web passbook, but after switching to a passbookless account, paper passbooks are generally not issued, so the transaction history cannot be printed on the passbook, which is one of the reasons why the passbookless system has not progressed.

[0135] Therefore, in the fifth embodiment, for customers who can view their transaction history on a web passbook using Internet banking or transaction application software installed on an information processing terminal, the transaction history can be printed on the passbook.

[0136] (E-2) Configuration of the fifth embodiment FIG. 13 is a diagram showing the overall configuration of a trading system according to the fifth embodiment.

[0137] 13, a transaction system 9 according to the fifth embodiment includes an information processing terminal 30, a host server 20, a server 40 that manages websites of financial institutions and the like, and a passbook issuing device 90.

[0138] (Information processing device) The information processing terminal 30 accesses the websites of financial institutions, etc. via the network NT to receive services provided by the financial institutions, etc., and exchanges information with the financial institution's server 40 (host server 20, etc.) to perform specified transaction processing.

[0139] The information processing terminal 30 is configured to have a control unit, an external storage device, a communication device, a display unit, an operation unit, etc., similar to existing information processing terminals, and may be, for example, a smartphone, a tablet terminal, a personal computer, etc.

[0140] In the fifth embodiment, it is assumed that application software (transaction program) for executing financial transactions and the like is installed in the information processing terminal 30.

[0141] Here, the application software (transaction program) is software that transmits and receives information to and from the server 40 via the network NT, and performs services provided by financial institutions, etc., various transaction processes such as bank transfers and transfers, and the viewing and confirmation of transaction history in the web passbook. A detailed explanation of the functions of the application software installed in the information processing terminal 30 will be given in the section on operation.

[0142] In the fifth embodiment, an example is given of an information processing terminal 30 on which application software is installed, but the information processing terminal 30 may not have application software installed and access the website of a financial institution or the like via Internet banking.

[0143] (host server, storage device) Host server 20 is an accounting system host server that is connected to network NT and performs predetermined transaction processing. Host server 20 exchanges information with servers 40 that provide various services for financial institutions via network NT. Host server 20 manages storage device 21.

[0144] The storage device 21 stores customer information 211 of customers who have opened accounts.

[0145] Fig. 14 is a diagram showing an example of the configuration of customer information 211 stored in the storage device 21 according to the fifth embodiment. As shown in Fig. 14, the customer information 211 includes items such as user identification information, branch name, account number, account holder name, address, telephone number, date of birth, PIN number, and transaction history information. The transaction history information also includes items such as transaction date and time, transaction type, and transaction amount.

[0146] The user identification information is information for identifying a customer, and is information for linking registration information 411 on server 40 side with customer information 211 on host server 20 side to identify that it is information on a specific customer.

[0147] In addition, if it is possible to associate the registration information 411 with the customer information 211 as information relating to a specific customer, user identification information is not required, and instead of user identification information, for example, a branch number, an account number, the name of the account holder, etc. may be used.

[0148] Furthermore, the items of customer information 211 are not limited to those shown in FIG. 14, and any information required for communication between host server 20 and server 40 may be stored.

[0149] (Server, registration information DB) The server 40 is connected to the host server 20, the information processing terminal 30, and the passbook issuing device 90 via a network NT such as the Internet. The hardware of the server 40 includes a control device, an external storage device, a communication device, etc., similar to existing servers.

[0150] The server 40 manages logins from the information processing terminal 30 to the financial institution's website by referring to the registration information (account information) 411 stored in the registration information DB 41, and after login, receives requests from the accessed information processing terminal 30 and provides the financial institution's services, transaction processing, etc. to the customer.

[0151] The registration information DB 41 stores registration information 411 of customers who use internet banking or application software.

[0152] Fig. 15 is a diagram showing an example of the configuration of registration information 411 according to the fifth embodiment. As shown in Fig. 15, the registration information 411 includes, for example, a login ID and password as login information for a financial institution's website, user identification information, name, branch number, account number, address, telephone number, date of birth, email address, etc. Note that the registration information 411 is not limited to the items shown in Fig. 15 and may include other information.

[0153] The functions of server 40 include the various services provided by financial institutions as described above, and the function of processing transactions (e.g., transfers, money transfers, etc.), as well as a history generation notification unit 401, a web passbook information notification unit 402, a passbook issue number setting unit 403, and a history information notification unit 404.

[0154] (History occurrence notification section) When history occurrence notification section 401 receives a transaction occurrence notification from host server 20 regarding a customer account, it notifies information processing terminal 30 of the customer of the history occurrence.

[0155] Here, when a transaction occurs with respect to a customer account managed by host server 20, host server 20 notifies server 40 that a transaction has occurred with respect to that customer account. That is, when a customer conducts a transaction using a transaction device (e.g., an ATM) at a financial institution or the like, internet banking, or application software, the transaction information is stored in host server 20 (and storage device 21), and a transaction history is created. In this way, when a transaction history is created on the host server 20 side, host server 20 notifies server 40 that a transaction has occurred with respect to that customer account.

[0156] The "transaction occurrence notification" includes information indicating that a transaction has occurred and transaction information that has occurred, such as branch number, account number, name, transaction date and time, transaction type, transaction amount, account balance, etc.

[0157] When history occurrence notifying section 401 of server 40 receives the transaction occurrence notification from host server 20, it notifies the customer of the occurrence of transaction history information by sending a history occurrence notification to information processing terminal 30 of the customer.

[0158] The "history occurrence notice" includes transaction information generated on the host server 20 side, such as branch number, account number, name, transaction date and time, transaction type, transaction amount, account balance, and the like.

[0159] The destination of the history occurrence notification is registered in the registration information DB 411, and may be, for example, a push notification of application software, or may be sent to the customer's email address registered in the registration information DB 411. In the fifth embodiment, a case where a push notification of application software is sent will be exemplified.

[0160] (Web bankbook information notification section) After logging in to the financial institution's website, when the web passbook information notification unit 402 receives a request (request to view) for transaction history information recorded in the web passbook from the information processing terminal 30, the web passbook information notification unit 402 makes a request to the host server 20 to acquire the transaction history information. The request to acquire the transaction history information includes information for identifying the customer (e.g., user identification information, account number, etc.).

[0161] Then, in host server 20, the transaction history information of the requested customer account is searched for, and the transaction history information of the customer account is provided to web passbook information notification unit 402. Web passbook information notification unit 402 notifies the requesting information processing terminal 30 of the transaction history information of the customer account.

[0162] (Passbook issue number setting section) When the passbook issue number setting unit 403 receives a passbook issuance request from the information processing terminal 30 requesting that historical information of a customer account be printed on a passbook, it issues a passbook issue number, associates the passbook issue number with the transaction history information regarding the customer account, and stores the passbook issue number in correspondence with the transaction history information of the customer account.

[0163] In addition, the passbook issue number setting unit 403 notifies the information processing terminal 30 of the passbook issue number associated with the transaction history information related to the customer account.

[0164] (History information notification section) When the history information notification unit 404 receives from the passbook issuing device 50 a passbook issue number for printing the transaction history information of a customer account on a passbook, it searches for the transaction history information of the customer account corresponding to the passbook issue number and notifies the passbook issuing device 50 of the transaction history information of the found customer account.

[0165] (Passbook issuing device) The passbook issuing device 90 prints transaction history information of a customer account corresponding to the passbook issue number issued by the server 40 onto the passbook, and issues the passbook.

[0166] The passbook issuing device 90 includes a passbook issue number acquiring unit 901 , a history information acquiring unit 902 , and a passbook issuing unit 903 .

[0167] (Passbook Issue Number Acquisition Department) The passbook issue number acquisition unit 901 acquires the passbook issue number issued by the server 40 .

[0168] The passbook issue number acquisition unit 901 may acquire the passbook issue number by having the customer use a numeric keypad or the like. Alternatively, if the passbook issue number is coded as a two-dimensional code, the passbook issue number may be acquired by reading the two-dimensional code displayed on the display unit of the information processing terminal 30 with a two-dimensional code reader or the like. Furthermore, the passbook issue number may be acquired by receiving information including the passbook issue number from the information processing terminal 30 via short-range wireless communication or the like.

[0169] (History information acquisition section) The history information acquisition unit 902 sends a history information acquisition request including the acquired passbook issue number to the server 40, and acquires transaction history information for the customer account corresponding to the passbook issue number.

[0170] (Passbook Issuance Department) The passbook issuing unit 903 prints the transaction history information of the customer account acquired by the history information acquiring unit 902 on the passbook and issues the passbook.

[0171] (E-2) Operation of the Fifth Embodiment 16 and 17 are sequence diagrams showing the processing operations in the trading system 9 according to the fifth embodiment.

[0172] Below, we will explain (1) the history occurrence notification process, in which a transaction history notification is sent to the application software of the information processing terminal 30 when a transaction related to a customer account occurs, and (2) the pass issuance process, in which the customer prints transaction history information related to the customer account on a passbook and issues the passbook.

[0173] [History occurrence notification processing] A customer carries out transaction processing using a transaction device (for example, an ATM) installed in a financial institution or the like, internet banking, or application software installed on an information processing terminal 30.

[0174] Here, we will explain an example in which a customer performs transaction processing using the information processing terminal 30 on which the application software is installed. Furthermore, we will assume that when the application software is installed and set up on the information processing terminal 30, the customer has opened an account without a passbook.

[0175] [S501] The customer operates the information processing terminal 30, the application software is started, and a login process using, for example, a login ID and a password is performed, and the application software and the server 40 are connected.

[0176] When installing application software, if a login ID and password have been set in advance, input of the login ID and password may be omitted.

[0177] A transaction screen for performing transaction processing is displayed on the display unit of information processing terminal 30, and a customer who wishes to perform a specific transaction inputs information related to the transaction. The input information related to the transaction is transmitted to host server 20 via server 40, and host server 20 processes the transaction based on the information related to the transaction, and the process is completed. Note that there are no particular limitations on the type of transaction.

[0178] [S502, S503] When a transaction is executed, transaction information related to the customer account is stored in storage device 21 on the host server 20 side (S502), and a transaction history for the customer account is created. Host server 20 notifies server 40 of the occurrence of the transaction, including information about the transaction carried out in the customer account (S503).

[0179] [S504] In server 40, when a transaction occurrence notification is received from host server 20, history occurrence notification unit 401 refers to registration information DB 41 and sends a history occurrence notification including transaction information carried out in the customer account to a pre-set notification destination (in this example, the application software of information processing terminal 30).

[0180] [S505] When the information processing terminal 30 receives the history generation notice from the server 40, the transaction information of the customer account included in the history generation notice is displayed on the display unit of the information processing terminal 30.

[0181] Fig. 18(A) is a screen diagram showing an example of a history occurrence notification screen displayed on the information processing terminal 30 of the fifth embodiment. Fig. 18(A) illustrates an example in which a history occurrence notification is sent by push notification, and notification information 301 is displayed on the screen, including "Date: yy: mm: dd" indicating the transaction date and time, "Content: Transfer" indicating the transaction type, "Amount: 50,000 yen" indicating the transaction amount, and "Balance: 200,000 yen" indicating the account balance.

[0182] As described above, when a transaction history is generated in a customer account, a history generation notice is sent to the information processing terminal 30. This allows the customer to grasp account information in real time. It also serves as a security measure, as the customer can know whether or not a fraudulent transaction has been made.

[0183] [Passbook issuance process] Here, a process will be described in which a customer who has opened a non-passbook account attempts to issue a passbook containing information relating to transactions that have been made up to the present time (up to the time of the operation).

[0184] [S506] The customer operates the information processing terminal 30, the application software is started, the login process is performed, and the application software is connected to the server 40. To check the contents of the web passbook, the customer selects, for example, a "Deposit Account History" button (not shown) on the display screen of the information processing terminal 30. This causes a request to obtain transaction history information to be sent to the server 40.

[0185] When the server 40 receives the request to acquire transaction history information, the web passbook information notification unit 402 makes a request to the host server 20 to acquire the transaction history information.

[0186] [S507] Host server 20 searches for transaction history information for the requested customer account (S507), and provides the transaction history information for the customer account to web passbook information notification unit 402. Web passbook information notification unit 402 then notifies the requesting information processing terminal 30 of the transaction history information for the customer account.

[0187] Here, the transaction history information sent by host server 20 may be the transaction history information that exists in the web passbook after switching to a non-passbook account, or, as will be described later, may be unposted transaction history information that has not been printed in the passbook. In the latter case, a flag may be attached to each piece of transaction information (history information) on the host server 20 side or server 40 side to determine whether the information has been printed in the passbook or has not been posted.

[0188] [S508] When the information processing terminal 30 receives transaction history information from the server 40, it compares the number of received transaction history information (account history) items with a preset threshold (S508), and if the number of transaction history information items is greater than or equal to the threshold (S508 / YES), processing proceeds to S509, and if the number of transaction history information items is less than the threshold (S508 / NO), processing proceeds to S510.

[0189] The threshold value is a value used to determine whether transaction history information has been accumulated and whether it is possible to print the transaction history information on the passbook. The threshold value may be set as a default value. Alternatively, the threshold value may be changeable by the customer in the application software.

[0190] Even customers who have opened a non-passbook account may wish to record transactions in their passbook. Therefore, if it becomes impossible to record transaction history information in a passbook at all, the hurdle for moving to a passbookless system will be high, and the spread of the non-passbook system will be hindered. Therefore, when a predetermined number of transaction history information items have been accumulated, customers are notified that they can record transactions in their passbook. In this embodiment, the condition for recording transactions in a passbook is not limited to the accumulation of such a predetermined number of transaction history information items, and may also be, for example, when a predetermined period of time has passed since the opening of the non-passbook account.

[0191] [S509] When the number of pieces of transaction history information is equal to or greater than a threshold value, history information without an issued key is displayed on the display unit of the information processing terminal 30.

[0192] Fig. 18(B) is a screen diagram showing an example of history information without an issued key displayed on the information processing terminal 30 of the fifth embodiment. As shown in Fig. 18(B), the display unit of the information processing terminal 30 displays transaction history information 304 of the customer account and a message 305 indicating the number of items that can be printed on the passbook.

[0193] For example, message 305 displays the difference between the threshold value and the current number of transaction history information items (i.e., the number of items remaining until entry into the passbook is possible), which makes the customer aware that although entries into the passbook are not possible at present, they will be able to be entered into the passbook once the number of transaction history items has accumulated. Some customers who have switched to a non-passbook account may be worried about not being able to issue a passbook, but this allows them to proceed with the transition to a passbookless account with peace of mind.

[0194] [S510] When the number of pieces of transaction history information is equal to or greater than a threshold value, the history information with the issued key is displayed on the display unit of the information processing terminal 30.

[0195] Fig. 18(C) is a screen diagram showing an example of history information with an issue key displayed on the information processing terminal 30 of the fifth embodiment. As shown in Fig. 18(C), the display unit of the information processing terminal 30 displays transaction history information 304 of the customer account, a message 302 indicating that printing on the passbook is possible, and an issue key 303 for requesting the issuance of the passbook.

[0196] By displaying message 302 informing customers that printing to a passbook is possible, it is possible to inform customers who have opened a passbookless account that they can write to their passbook. In addition, the barrier to going passbookless is lowered, and the spread of passbookless transactions is expected.

[0197] [S511] When the customer selects the issue key 303 on the display screen of the information processing terminal 30, a passbook issuance request for requesting that transaction history information be entered into the passbook is sent to the server 40.

[0198] [S512] When a passbook issuance request is received in the server 40, the passbook issuance number setting unit 403 issues a passbook issuance number, associates the passbook issuance number with transaction history information related to the customer account, and stores the passbook issuance number in correspondence with the transaction history information of the customer account.

[0199] At this time, server 40 may communicate with host server 20 and associate the passbook issue number with the account information managed by host server 20.

[0200] Furthermore, the passbook issue number setting unit 403 notifies the information processing terminal 30 of the passbook issue number associated with the transaction history information related to the customer account.

[0201] [S513] The display unit of the information processing terminal 30 displays a screen including the passbook issue number.

[0202] Fig. 18(D) is a screen diagram showing an example of a screen including a passbook issue number displayed on the information processing terminal 30 of the fifth embodiment. Fig. 18(D) illustrates a case where a passbook issue number 306 and a two-dimensional code 307 created based on the passbook issue number are displayed on the display unit of the information processing terminal 30.

[0203] The display screen of FIG. 18(D) may be saved in the application software.

[0204] It is also possible to display only either the passbook issue number 306 or the two-dimensional code 307. When only the passbook issue number 306 is displayed, the passbook issue number can be shown to the customer, allowing the customer to issue the passbook with peace of mind. When only the two-dimensional code 307 is displayed, fraudulent acts such as sneaking a peek can be prevented.

[0205] [S514, S515] The customer presents the passbook issue number, and the passbook issue number acquisition unit 901 of the passbook issuing device 90 acquires the passbook issue number.

[0206] For example, if the passbook issuing device 90 is installed in a branch of a financial institution, the customer may show the passbook issuance number to a staff member at the counter, and the staff member may operate the passbook issuing device 90 to input the passbook issuance number.

[0207] Furthermore, for example, if the passbook issuing device 90 can be operated by the customer, the customer may operate it to input the passbook issue number or have the two-dimensional code 307 read by a two-dimensional code reader.

[0208] [S516~S519] In the passbook issuing device 90, the history information acquiring unit 902 transmits a history information acquisition request including the acquired passbook issue number to the server 40 (S516).

[0209] The server 40 searches for transaction history information for the customer account corresponding to the passbook issue number (S517), and transmits the searched transaction history information for the customer account to the passbook issuer 90 (S518).

[0210] In the passbook issuing device 90, the passbook issuing unit 903 records the transaction history information of the customer account acquired by the history information acquiring unit 902 in the passbook and issues the passbook (S519).

[0211] (E-3) Effects of the Fifth Embodiment As described above, according to the fifth embodiment, by making it possible to record transactions in a passbook once a predetermined number of transaction histories have been accumulated, it is expected that the barrier to creating a passbookless account will be lowered and passbookless systems will become more widespread.

[0212] (F) Sixth embodiment Next, a sixth embodiment of the transaction device, transaction program, and passbook issuing device according to the present invention will be described with reference to the drawings.

[0213] [Basic concept] The sixth embodiment utilizes the basic concept described in the fifth embodiment, and links unique registration information (account) that can identify an individual customer, such as a My Number or a Google (registered trademark) account, with the host server 20 (accounting system host), thereby transferring unrecorded data managed by the host server 20 (accounting system host) as text data.

[0214] (F-1) Configuration of the Sixth Embodiment FIG. 30 is a diagram showing the overall configuration of a trading system according to the sixth embodiment.

[0215] In Figure 30, the trading system 9A of the sixth embodiment has an information processing terminal 30, a host server 20, a server 40 that manages the website of a financial institution, etc., an association server 80 that links registration information (account information) with the server 40 of the financial institution, etc., and a passbook issuing device 50.

[0216] In the sixth embodiment, when logging in to the website of a server 40 of a financial institution or the like, authentication is performed using account information (registration information) that the customer has previously registered in the linked server 80, and if the authentication is successful, the server 40 allows the customer to log in to the website of the financial institution or the like.

[0217] Therefore, the system configuration of the sixth embodiment is basically the same as that of the fifth embodiment, but includes a linking server 80 that performs linking processing with a server 40 of a financial institution or the like, as shown in FIG.

[0218] (Collaboration server) Link server 80 is a server that manages customer account information (registration information), such as a server that manages My Number, or a server operated by a platform provider or a telecommunications carrier. Link server 80 is connected to registration information DB 81 and manages customer account information.

[0219] Linked server 80 has a registration information linking unit 801. The registration information linking unit 801 is accessed from information processing terminal 30 operated by a customer and receives a login request to a website of a financial institution or the like. The registration information linking unit 801 performs authentication using account information managed by the linked server 80, and if the authentication is successful, notifies server 40 of the financial institution or the like of the successful authentication. Server 40 of the financial institution or the like regards successful authentication using the account information by linked server 80 as login to the website and allows information processing terminal 30 to access the website.

[0220] (F-2) Operation of the Sixth Embodiment FIG. 31 is a sequence diagram showing the processing operation in the trading system 9A according to the sixth embodiment.

[0221] The processing operations of the sixth embodiment are basically the same as those described in Figures 16 and 17 of the fifth embodiment, but the processing when logging in to a website of a financial institution or the like using the information processing terminal 30 differs from that of the fifth embodiment.

[0222] Therefore, the following will explain in detail the processing operations at the time of login, and the processing explained in the fifth embodiment will be omitted.

[0223] In the sixth embodiment, (1) when a transaction related to a customer account occurs, a history occurrence notification process is performed in which a transaction history notification is sent to the application software of the information processing terminal 30, and (2) a pass issuance process is performed in which the customer prints transaction history information related to the customer account on a passbook and issues the passbook.

[0224] [History occurrence notification processing] As in the fifth embodiment, a customer performs transaction processing using a transaction device (e.g., an ATM) installed in a financial institution or the like, internet banking, or application software installed in the information processing terminal 30. Here, an example is given in which a customer performs transaction processing using the information processing terminal 30 on which application software is installed.

[0225] [S551] When a customer operates information processing terminal 30 and the application software starts up, an input screen for account information (e.g., login ID and password) registered in link server 80 is displayed on information processing terminal 30. Then, the customer operates information processing terminal 30 to input account information for link server 80, and the input account information is transmitted to link server 80.

[0226] In addition, if the information processing terminal 30 stores account information (e.g., login ID and password) for the linked server 80, the account information input screen does not need to be displayed, and the account information (e.g., login ID and password) stored in the information processing terminal 30 is sent to the linked server 80.

[0227] [S552] In linking server 80, registration information linking unit 801 compares the account information received from information processing terminal 30 with the account information pre-registered in storage device 81, and authenticates the account information. If the authentication of the account information is successful, registration information linking unit 801 transmits information indicating that the authentication of the account information has been successful to server 40 of the financial institution or the like.

[0228] In server 40, when registration information linking unit 405, which performs linking processing with linking server 80, receives information that linking server 80 has successfully authenticated the account information, it allows login to the website of the financial institution, etc. This enables information communication between information processing terminal 30 and server 40, enabling transaction processing.

[0229] A transaction screen for performing transaction processing is displayed on the display unit of information processing terminal 30, and the customer inputs information related to the specified transaction. The input information related to the transaction is transmitted to host server 20 via server 40, and host server 20 performs transaction processing based on the information related to the transaction, and the processing is completed. Note that there are no particular limitations on the type of transaction.

[0230] [S502~S505] The processing of S502 to S505 is the same as the processing of S502 to S505 in FIG. 16 of the fifth embodiment, and therefore a description of the processing of S502 to S505 will be omitted.

[0231] [Passbook issuance process] [S553] When a customer operates information processing terminal 30 and the application software starts up, an input screen for account information (e.g., login ID and password) registered in link server 80 is displayed on information processing terminal 30. Then, the customer operates information processing terminal 30 to input account information for link server 80, and the input account information is transmitted to link server 80.

[0232] In this case, too, if the account information (for example, a login ID and password) of the linked server 80 is stored in the information processing terminal 30, input of the account information may be omitted.

[0233] [S554] In linking server 80, registration information linking unit 801 compares the account information received from information processing terminal 30 with the account information pre-registered in storage device 81, and authenticates the account information. If the authentication of the account information is successful, registration information linking unit 801 transmits information indicating that the authentication of the account information has been successful to server 40 of the financial institution or the like.

[0234] In server 40, when registration information linking unit 405, which performs linking processing with link server 80, acquires information that link server 80 has successfully authenticated the account information, it allows login to the website of the financial institution or the like.

[0235] When the information processing terminal 30 is permitted to access the website of a financial institution or the like, the customer selects, for example, a "Deposit Account History" button (not shown) on the display screen of the information processing terminal 30 to check the contents of the web passbook. As a result, a request to obtain transaction history information is sent to the server 40.

[0236] When the server 40 receives the request to acquire transaction history information, the web passbook information notification unit 402 makes a request to the host server 20 to acquire the transaction history information.

[0237] [S507~S513] The processing of S507 to S513 is the same as the processing of S507 to S513 in FIG. 16 of the fifth embodiment, and therefore a description of the processing of S507 to S513 will be omitted.

[0238] (F-3) Effects of the Sixth Embodiment As described above, according to the sixth embodiment, in addition to the effects of the fifth embodiment, it is possible to log in using the customer's personal unique account information. Furthermore, according to the sixth embodiment, passbooks can be issued using a passbook issuing machine common to multiple financial institutions installed in convenience stores, etc., which is expected to improve convenience and also eliminate the need to install a passbook function in ATMs of financial institutions, etc. or in branch terminals.

[0239] (G) Seventh embodiment Next, a seventh embodiment of a transaction device, a transaction program, and a passbook issuing device according to the present invention will be described with reference to the drawings.

[0240] [Basic concept] The seventh embodiment illustrates a case where, using a transaction device (such as an ATM) installed in a financial institution, etc., a customer is informed of non-passbook accounts in parallel with their transaction operations, and the process of switching to a non-passbook account is performed according to the customer's wishes.

[0241] For example, if a customer uses an account without a bankbook, services such as free fees for using ATMs may be offered.

[0242] Therefore, in order to encourage switching to a non-passbook account, in the seventh embodiment, customers who perform transaction operations on a transaction device are prompted to a fee inquiry screen and / or a non-passbook account application screen to encourage them to switch to a non-passbook account, and when a customer wishes to apply for a non-passbook account, they are able to apply for a non-passbook account on the transaction device.

[0243] (G-1) Configuration of the Seventh Embodiment FIG. 19 is a configuration diagram showing the configuration of a transaction system according to the seventh embodiment and the internal configuration of a transaction device.

[0244] 19, the transaction device 10A includes a control unit 1, a passbook processing unit 2, a card processing unit 3, a receipt processing unit 4, a banknote deposit / withdrawal unit 5, a coin deposit / withdrawal unit 6, a memory unit 7, and a communication unit 8.

[0245] In FIG. 19, the configuration of a transaction apparatus 10A according to the seventh embodiment is basically the same as the configuration of the transaction apparatus 10 of the first to fourth embodiments shown in FIGS.

[0246] The passbook processing unit 2, card processing unit 3, receipt processing unit 4, banknote deposit / withdrawal unit 5, coin deposit / withdrawal unit 6, memory unit 7, and communication unit 8 have been explained in the first to fourth embodiments, so detailed explanations will be omitted here.

[0247] In Figure 19, the control unit 1 of the transaction device 10A has a fee inquiry processing unit 1a, a non-passbook account application instruction judgment unit 1b, a non-passbook account application guidance unit 1c, a non-passbook account application selection processing unit 1d, and a post-non-passbook switching transaction processing unit 1e.

[0248] The fee inquiry processing unit 1a is a means for transmitting and receiving telegrams of a fee confirmation request and a fee confirmation permission response to the host server 20 as fee inquiry communications in customer transactions.

[0249] The non-passbook account application instruction determining unit 1b is a means for determining whether a non-passbook account application instruction has been received based on the determination made by the host server 20 in the fee confirmation permission response of the fee inquiry communication.

[0250] The non-passbook account application guidance unit 1c displays a non-passbook account switching application guidance screen when the host server 20 issues a "non-passbook account application instruction" and accepts the customer's application selection.

[0251] The non-passbook account application selection processing unit 1d is a means for notifying the host server 20 of application information for switching to a non-passbook account when a customer selects to apply for switching to a non-passbook account.

[0252] The post-passbook switching transaction processing unit 1e is a means for informing a customer that they have switched to a non-passbook account when they select to apply for a non-passbook account switch and switch to a non-passbook account on the host server 20.

[0253] (G-2) Operation of the Seventh Embodiment 20 to 22 are flowcharts showing the process and screen transition of a passbook presence / absence switching transaction in the teller machine 10A according to the seventh embodiment.

[0254] The following describes an example of the operation of the transaction device 10A when a customer applies for switching to a non-passbook account in parallel with a withdrawal transaction. Note that the type of transaction performed by the customer is not limited to a withdrawal transaction, and may be a transfer transaction, a transfer transaction, a balance inquiry, or other transaction.

[0255] In the transaction device 10A, the operation screens and transaction processes for proceeding with the transaction desired by the customer are basically the same as existing processes, and are not limited to those shown in Figures 20 to 22. In other words, the transaction processes illustrated in Figures 20 to 22 are just examples.

[0256] [S701~S705] In the transaction device 10A, under the control of the control unit 1, a customer waiting screen (transaction selection menu screen) is displayed on the operation display unit 17 (S701), and when the customer selects, for example, a pick-up transaction button (S702), a card insertion screen 530 is displayed on the operation display unit 17 (S703).

[0257] In addition, when a card is entered on the customer waiting screen (transaction selection menu screen) before the transaction button is selected (S704), the transaction selection menu screen 500 including the cancel button 531 is displayed (S705).

[0258] [S706] In the transaction device 10A, the card processing unit 3 determines whether or not the card is an IC card, and if it is an IC card (S706 / YES), the process proceeds to S707, and if it is not an IC card (S706 / NO), the process proceeds to S712. Note that the process of determining whether or not the card is an IC card can be widely applied to existing processes.

[0259] [S707~S711] If the inserted card is an IC card, the card processing unit 3 reads the card information from the recording medium (e.g., an IC chip) of the inserted card (S707), and the card information is provided to the control unit 1, which determines whether biometric authentication is required based on the card information.

[0260] In other words, the card information stores information indicating whether or not the customer's biometric authentication has been performed, biometric authentication information for comparison, etc., and when information indicating that biometric authentication will be performed is stored (S708 / YES), the process proceeds to S709 and biometric authentication is performed. Note that while palm vein authentication is used as an example of the biometric authentication method, it is not limited to this, and fingerprint authentication, iris pattern authentication, face authentication, etc. may also be used.

[0261] In S709, a screen 541 is displayed to guide the user to hold their hand over the authentication device (S709), a screen 542 is displayed indicating that authentication is in progress (S710), and if the authentication is successful, a screen 543 is displayed indicating that authentication is successful (S711).

[0262] Also, if information indicating that biometric authentication will be performed is not stored (or if information indicating that biometric authentication will not be performed is stored) (S708 / NO), the process proceeds to S712 and biometric authentication is not performed.

[0263] [S712] A password input screen 544 is displayed on the operation display unit 17, and the password is input on the password input screen 544 (S712).

[0264] [S713~S715] Next, the control unit 1 determines whether the card is a shared card with other financial institutions based on the card type information included in the card information (S713).

[0265] Here, a shared card is a card that can be used not only for transactions with its own bank but also for transactions with other financial institutions. For example, shared cards include other bank affiliated cards that can be used for transactions with other affiliated banks, and affiliated credit cards that can be used for transactions with affiliated credit card companies.

[0266] When the inserted card is an affiliated card of another bank, a screen 550 is displayed having a self-transaction selection button 551 for selecting transactions with the bank itself and an affiliated bank button 552 for selecting transactions with another affiliated bank, and the customer selects either the self-transaction selection button 551 or the affiliated bank button 552 (S714), and the process proceeds to S716.

[0267] If the inserted card is an affiliated credit card, a screen 560 is displayed indicating that the transaction will be handled by the bank itself, and the customer selects the confirmation button 532 (S715), and the process proceeds to S716.

[0268] If the inserted card is not a common card, the process proceeds to S716.

[0269] [S716] The control unit 1 determines whether the inserted card is its own card, and if it is determined to be its own card (S716 / YES), the process proceeds to S717, and if it is determined not to be its own card (S716 / NO), the process proceeds to S721.

[0270] [S717~S718] Control unit 1 transmits a message (fee confirmation request message) to host server 20 requesting whether or not a display setting for the fee confirmation screen is enabled, and receives a response message from host server 20 that has received the message.

[0271] The fee inquiry processing unit 1a of the control unit 1 determines whether the received response message contains information indicating that "instruction to display fee confirmation screen is present" is set (i.e., whether the setting "instruction to display fee confirmation screen is present" has been received) (S717).

[0272] Then, when the setting "instruction to display fee confirmation screen present" is received (S717 / YES), the fee confirmation screen 570 received from the host server 20 is displayed on the operation display unit 17 (S718), and when the customer confirms the fee and selects the confirmation button 532, the process proceeds to S719.

[0273] On the other hand, when the setting "No instruction to display fee confirmation screen" is received (S717 / NO), the fee confirmation screen is not displayed and the process proceeds to S719.

[0274] [S719] Control unit 1 transmits a message (non-passbook account application confirmation request message) to host server 20 requesting whether or not the non-passbook account application screen display setting is enabled, and receives a response message from host server 20 that has received the message.

[0275] Here, the control unit 1 sends a non-passbook account application confirmation request message to the host server 20, which includes customer information such as the name of the financial institution, the branch name, the account number, and the account holder, as well as request information as to whether or not an application screen for a non-passbook account should be displayed. In other words, the control unit 1 sends a message to the host server 20 that includes information that identifies the customer, in order to have the host server 20 determine whether or not an application screen for a non-passbook account should be displayed.

[0276] Host server 20 refers to storage device 21 and searches for transaction history information for the customer based on the information identifying the customer. Then, host server 20 determines whether or not to display a non-passbook account application screen based on the transaction history information for the customer.

[0277] That is, based on the customer's transaction history information, host server 20 determines whether the customer account is a passbook account, whether the customer's transaction pattern involves many transactions that incur fees, whether the customer conducts many transactions using only a card, etc. Note that the method by which host server 20 determines whether to display the non-passbook account application screen is not limited to these.

[0278] More specifically, host server 20 determines whether the account is a passbook account or a non-passbook account based on the customer's account information. Furthermore, the number of transactions for which a fee was paid is calculated from transaction history information for the past year or several years, and when the number of transactions for which a fee was paid exceeds a threshold, or when the value indicating the proportion of transactions for which a fee was paid (i.e., the proportion of transactions for which a fee was paid out of the total number of transactions) exceeds a threshold, it is determined that a large number of transactions incur fees. Furthermore, when the value of the transaction history information for the past year or several years, the number of transactions using only a card, or the proportion of transactions using only a card (i.e., the proportion of transactions using only a card out of the total number of transactions) exceeds a threshold, it is determined that a large number of transactions using only a card are conducted.

[0279] By making the above-mentioned judgment, the host server 20 determines whether or not to display the application screen for a non-passbook account, and when it determines that the application screen for a non-passbook account should be displayed, it sends a response message including the setting "non-passbook account application instruction received" to the transaction device 10A.

[0280] When it is determined that the non-passbook account application screen should not be displayed, the host server 20 transmits a response message including a setting of "no non-passbook account application instruction" to the teller machine 10A.

[0281] The non-passbook account application instruction determination unit 1b of the control unit 1 determines whether the received response message contains information indicating that "non-passbook account application instruction present" is set (i.e., whether the setting "non-passbook account application instruction present" has been received) (S719).

[0282] Then, when the setting "non-passbook account application instruction received" is received (S719 / YES), the non-passbook account application guidance unit 1c displays the non-passbook account application screen 580 received from the host server 20 on the operation display unit 17 (S720).

[0283] Here, non-passbook account application screen 580 includes information that there will be no handling fee when applying for a non-passbook account. Conventionally, there has been a service that waives handling fees for customers using non-passbook accounts, and the customer can be informed that there will be no handling fee if they switch to a non-passbook account for this transaction. Furthermore, if the customer wishes to switch to a non-passbook account, they can have the switch to the non-passbook account carried out at the same time as the current transaction, and handling fees will be waived from this transaction onwards.

[0284] When a customer wishes to apply for a non-passbook account, the customer selects the "Apply" button 582, and the non-passbook account application selection processing unit 1d sends a message including an application for a non-passbook account (non-passbook account application message) to the host server 20.

[0285] At this time, the non-passbook account application selection processing unit 1d sends a non-passbook account application message to the host server 20, which message includes information requesting switching to a non-passbook account, as well as information such as the name of the financial institution, the branch name, the account number, and the account holder. In other words, the non-passbook account application selection processing unit 1d sends a message to the host server 20, which includes information identifying the customer and information that the customer is requesting switching to a non-passbook account.

[0286] Upon receiving the non-passbook account application message, host server 20 accepts the application for the non-passbook account and performs processing to switch the customer's account to a non-passbook account.

[0287] On the other hand, if the customer does not wish to apply for a non-passbook account, the "Do not apply" button 581 is selected, and the non-passbook account application selection processing unit 1d sends a message to the host server 20 indicating that the customer will not apply for a non-passbook account.

[0288] [S721~S724] Operation display unit 17 displays withdrawal amount input screen 590 for the withdrawal transaction, and the customer inputs the withdrawal amount (S721). Control unit 1 transmits a transaction request message including transaction information (e.g., financial institution name, branch name, account number, account holder, withdrawal amount, etc.) to host server 20, just as with existing withdrawal transactions. Operation display unit 17 then displays screen 591 indicating that processing is in progress (S722).

[0289] When the transaction device 10A receives a response message regarding the withdrawal transaction from the host server 20, the inserted card and cash are ejected, and a screen 592 prompting the user to pick up the card is displayed (S723), and a screen 593 prompting the user to pick up the cash is displayed (S724).

[0290] [S725] The operation display unit 17 displays a screen (non-passbook account switching completion screen) 594 indicating that the switching to a non-passbook account has been completed and that there is no fee for this transaction (S725). This notifies the customer that the switching to a non-passbook account and the fee have been waived.

[0291] At this time, a detailed statement may be printed to indicate that there is no handling fee for this transaction.

[0292] (G-3) Modified embodiment of the seventh embodiment (G-3-1) S720 to S725 in Figures 20 to 22 illustrate an example in which the host server 20 displays the non-passbook account application screen 580 from the transaction history information of the customer searched based on information identifying the customer, and the customer applies to switch to a non-passbook account.

[0293] In the above-described variation, the completion of the switch to a non-passbook account on host server 20 is displayed in S725, but the screen indicating the completion of the switch to a non-passbook account may be displayed between S720 and S721. In other words, to give a sense of security to a customer who has applied for a non-passbook account, after the application for a non-passbook account in S720 and before the screen of S721, a screen indicating the completion of the switch to a non-passbook account and that there is no handling fee may be displayed.

[0294] Furthermore, if for some reason host server 20 is unable to properly switch to an account without a passbook, the customer can be notified that the switch to an account without a passbook has not been completed before the processing of S721.

[0295] (G-4) Effects of the Seventh Embodiment As described above, the seventh embodiment provides the following effects.

[0296] According to the seventh embodiment, when a customer carries out a transaction at a transaction device, the customer can be invited or guided to apply for switching to a non-passbook account, for example, by informing the customer that there are no fees for non-passbook accounts. If the customer wishes to switch to a non-passbook account, the operation to switch to a non-passbook account can be performed simultaneously with the customer's transaction operation, making it easy to switch to a non-passbook account.

[0297] According to the seventh embodiment, the host server determines based on customer transaction information that customers who frequently make transactions that incur fees or customers who frequently make card-only transactions can be actively encouraged to switch to non-passbook accounts, and by providing guidance for switching to non-passbook accounts, it is possible to effectively promote switching to non-passbook accounts. Conversely, it is also possible to suppress solicitation for customers who frequently make passbook transactions.

[0298] According to the seventh embodiment, when a transaction normally incurs a fee, the customer can immediately make the transaction fee-free, thereby improving customer convenience.

[0299] According to the seventh embodiment, it is expected that the switching to non-passbook accounts will be actively promoted, and by eliminating the need to store accounting data, the amount of accounting data stored on the host server can be reduced.

[0300] (H) Eighth embodiment Next, an eighth embodiment of a transaction device, a transaction program, and a passbook issuing device according to the present invention will be described with reference to the drawings.

[0301] [Basic concept] The eighth embodiment illustrates a case where a customer who has switched to an account without a passbook switches back to an account with a passbook by a transaction operation on a transaction device.

[0302] It is conceivable that a customer would perform a reversion operation to a passbook account on a transaction device, the host server would make a decision to revert the customer's account to a passbook account, and the transaction device would issue a passbook based on the result (response message). However, there may be restrictions on passbook issuance, and some types of transaction devices may not be able to issue passbooks, so there may be cases where a passbook cannot be issued on the spot.

[0303] For example, some transaction devices, such as those installed at convenience stores and train stations, cannot issue passbooks, and some only accept cards. Also, some customers may wish to switch to a passbook account (switch back), but since issuing a passbook may take time, they may wish to have the passbook issued at a different time or with a different device.

[0304] Therefore, in the eighth embodiment, a transaction device performs a reversion operation to an account with a passbook, and in the event of passbook issuance restrictions or passbook issuance being impossible, the device works in conjunction with another device (for example, another transaction device or passbook issuing machine, etc.) so that the passbook can be issued by the other device.

[0305] (H-1) Configuration of the Eighth Embodiment FIG. 23 is a configuration diagram showing the configuration of a transaction system according to the eighth embodiment and the internal configuration of a transaction device.

[0306] The passbook issuing device 60 is a device separate from the transaction device 10B, and can be, for example, a passbook processing machine that performs passbook entries and passbook issuance, or a transaction device (such as an ATM) that has a passbook issuing function. The passbook issuing device 60 basically has the same functions as the control unit 1 of the transaction device 10B described later, or some of the functions of the control unit 1 described later. A detailed description of the various processes in the passbook issuing device 60 will be given in the section on operation.

[0307] The transaction device 10B can be a transaction device installed in a financial institution, a convenience store, etc., similar to the transaction devices 10 and 10A of the first to fourth and seventh embodiments. The transaction device 10B may be a device that does not have a passbook issuing function, or may, of course, be a device that has a passbook issuing function.

[0308] 23, the transaction device 10B has a control unit 1, a passbook processing unit 2, a card processing unit 3, a receipt processing unit 4, a banknote deposit / withdrawal unit 5, a coin deposit / withdrawal unit 6, a memory unit 7, and a communication unit 8. Note that the passbook processing unit 2, the card processing unit 3, the receipt processing unit 4, the banknote deposit / withdrawal unit 5, the coin deposit / withdrawal unit 6, the memory unit 7, and the communication unit 8 have been described in the first to fourth embodiments, and therefore detailed description thereof will be omitted here.

[0309] In Figure 23, the control unit 1 of the transaction device 10B has a passbook account switching selection / guidance processing unit 1f, a passbook account switching availability inquiry unit 1g, a passbook account switching execution unit 1h, a passbook account new passbook issuance processing unit 1j, and a passbook account new passbook issuance collaboration processing unit 1k.

[0310] The passbook account switching selection / guidance processing unit 1f is a means for displaying a passbook account switching guidance screen on the operation display unit 17, which shows guidance on switching to a passbook account, and for accepting switching to a passbook account by the customer on the passbook account switching guidance screen.

[0311] The passbook account switching possibility inquiry unit 1g is a means for communicating with the host server 20, when a customer selects to switch to a passbook account, to inquire as to whether the customer is eligible to switch to a passbook account, and determining the result of the inquiry as to whether the customer is eligible to switch to a passbook account based on the response from the host server 20.

[0312] The passbook account switching execution unit 1h is a means for communicating with the host server 20 to execute switching to a passbook account, and transitioning to a new passbook issuance or passbook issuance procedure processing upon receiving a response indicating that the execution has been successful.

[0313] The new passbook issuance processing unit 1j for a valid passbook account is a means for issuing a new passbook by switching to a valid passbook account, and printing the passbook cover / spread / details through a new passbook issuance communication, thereby performing the passbook issuance process.

[0314] The new passbook issuance linkage processing unit 1k for a valid passbook account communicates with the host server 20 to execute the switch to a valid passbook account, and notifies the customer of the ID (confirmation number) for issuing a new passbook for a valid passbook account generated by the host server 20 from the information indicating that the issuance of a new passbook is permitted in the execution success response.

[0315] The existing passbook account new passbook issuance cooperation processing unit 1k is a means for coordinating the issuance of a new passbook with another teller machine 10B capable of issuing a passbook.

[0316] (H-2) Operation of the Eighth Embodiment (H-2-1) Processing in the transaction device 10B FIG. 24 is a flowchart showing the processing operation of the transaction device 10B according to the eighth embodiment.

[0317] [S800~S803] In the transaction device 10B, under the control of the control unit 1, a customer waiting screen (transaction selection menu screen) is displayed on the operation display unit 17 (S800).

[0318] For example, the transaction selection menu screen 700 shown in FIG. 25(A) has a "Switch to Passbook Account / Issue Passbook" button 701 for processing the transaction of switching to a passbook account and / or issuing a passbook.

[0319] When the customer selects the "Switch to Passbook Account / Issue Passbook" button 701 on the transaction selection menu screen 500 in Figure 25(A) (S801), a screen (card insertion screen) prompting the customer to insert a card is displayed on the operation display unit 17, and the customer inserts the card into the card slot 13 (S802). The card information read by the card processing unit 3 is given to the control unit 1.

[0320] Furthermore, a screen for inputting a personal identification number is displayed on the operation display unit 17, and the customer inputs a personal identification number on the input screen (S803). The input personal identification number is given to the control unit 1.

[0321] [S804~S806] In the transaction device 10B, the passbook account switching selection / guidance processing unit 1f performs passbook account switching inquiry communication with the host server 20 (S804).

[0322] At this time, the passbook account clearing selection and guidance processing unit 1f sends a message to the host server 20 including card information such as the financial institution code, branch code, account holder name, account number, etc., as well as a PIN and a request to switch to a passbook account, and asks the host server 20 to confirm whether or not switching to a passbook account is possible.

[0323] Based on the information contained in the message, host server 20 confirms whether the customer's account can be switched to an account with a passbook, and returns a response message to transaction device 10B. For example, by referring to the passbook presence / absence flag in customer information 211A shown in FIG. 26, if the customer's account is an account without a passbook, host server 20 determines that the account is eligible for switching to an account with a passbook and returns a response message indicating that the inquiry has been successful. On the other hand, if the account is not an account without a passbook, host server 20 may return a response message indicating that the inquiry has not been successful.

[0324] In the transaction device 10B that receives the response message from the host server 20, the passbook account switching inquiry unit 1g determines whether the inquiry is successful or not based on the response message (S805). If the inquiry is not successful (S805 / not successful), the card is returned (S806) and the process ends. On the other hand, if the inquiry is successful (S805 / successful), the process proceeds to S807.

[0325] [S807~S809] If the inquiry is successful, for example, a passbook account change guide screen 710 shown in FIG. 25(B) is displayed on the operation display unit 17 (S807).

[0326] 25(B), the passbook account change guidance screen 710 displays guidance such as changing the account type to a passbook account and issuing a new passbook, and if the customer wishes to switch to a passbook account, the confirmation button 711 is selected (S808 / confirm) and the process proceeds to S810. On the other hand, if the customer does not wish to switch to a passbook account, the cancel button 712 is selected (S808 / cancel), the card is returned (S809), and the process ends.

[0327] [S810] In S810, the existing passbook account switching execution unit 1h determines whether a passbook can be issued (S810), and if it determines that there are restrictions on passbook issuance or that a passbook cannot be issued, it proceeds to S830, where a new passbook issuance linkage process is performed.On the other hand, if it determines that a passbook can be issued, it proceeds to S811.

[0328] [S811~S821] The processing of S811 to S821 indicates the processing when a new passbook is issued by switching to an account with a passbook in the teller device 10B.

[0329] When a passbook can be issued in S810, the passbook account switching execution unit 1h sends and receives a message to execute the passbook account switching with the host server 20 and performs the passbook account switching execution process (S811), and the passbook account switching execution unit 1h displays the processing in progress screen 720 for the passbook account as shown in Figure 25 (C) (S812).

[0330] When a response message is returned from the host server 20 and the execution of the passbook account switch is established, the passbook processing unit 2 of the transaction device 10B dispenses a new passbook in preparation for issuing a new passbook (S813).

[0331] The new passbook issuance processing unit 1j for an existing passbook account sends and receives a message for issuing a new passbook with the host server 20 (S814), obtains information to be printed on the new passbook, and the passbook processing unit 2 prints the information on the cover and the front page of the new passbook (S815).

[0332] In addition, the new passbook issuance processing unit 1j for existing passbook accounts sends and receives a message of the entry information to be entered in the new passbook with the host server 20 (S816), and the passbook processing unit 2 prints the entry information (passbook details) in the new passbook (S817).

[0333] Then, when the information to be printed on the passbook is printed and the issuance of the new passbook is completed, the operation display unit 17 displays the screen 730 indicating the completion of switching to an account with a passbook, as shown in Fig. 25(D) (S818), the passbook processing unit 2 stores the passbook information in the passbook's recording medium (magnetic stripe MS), and the passbook is ejected (S819). Thereafter, the card is ejected (S820), and the process ends (S821).

[0334] [S830~S834, S821] The processes of S830 to S834 and S821 are performed when a new passbook is not issued at the teller apparatus 10B.

[0335] If it is determined in S810 that there is a limit on passbook issuance or that a passbook cannot be issued, a new passbook issuance linkage process is carried out (S830).

[0336] In other words, if it is determined in S810 that there is a passbook issuance restriction or that a passbook cannot be issued, the passbook account processing screen 720 shown in Figure 25 (C) is displayed, and the passbook account new passbook issuance collaboration processing unit 1k sends and receives a message to execute the passbook account switch with the host server 20, and performs the passbook account switch execution process (S831).

[0337] Here, the new passbook issuance linkage processing unit 1k for existing passbook accounts requests the host server 20 to issue a passbook issuance ID (hereinafter also referred to as the "passbook issuance number" or "confirmation number"), indicating that there are restrictions on passbook issuance or that the passbook cannot be issued.

[0338] In response to the request from the teller device 10B, the host server 20 issues a passbook issuance ID (confirmation number) and returns a response message including the passbook issuance ID to the teller device 10B.

[0339] Here, the passbook issuance ID (confirmation number) is information for identifying a new passbook to be issued after the process of switching from an account without a passbook to an account with a passbook has been completed but the passbook has not yet been issued. In other words, the passbook issuance ID (confirmation number) can be said to be identification information that will be required when a customer who has completed the switch to an account with a passbook subsequently issues a passbook. As a result, when a customer issues a passbook at the transaction device 10B, another passbook issuance device 60, or at a counter of a financial institution, the customer can issue a new passbook by inputting or presenting the passbook issuance ID (confirmation number).

[0340] The passbook issuance ID (confirmation number) issued by host server 20 is stored in association with customer information 221A, as shown in FIG.

[0341] When the existing passbook account new passbook issuance cooperation processing unit 1k acquires the passbook issuance ID contained in the response message from the host server 20 (S831), the statement processing unit 4 prints the passbook issuance ID on the statement (S832).

[0342] Then, a notification screen 740 for switching to an account with a passbook, as shown in Fig. 27(A), is displayed on the operation display unit 17 (S833). For example, the notification screen 740 for switching to an account with a passbook, as shown in Fig. 27(A), displays information including the fact that a statement showing a confirmation number for the issuance of a new passbook has been issued, and that to issue a new passbook, the user should then go to an ATM with a passbook issuing function or a passbook carryover machine, or go to a counter.

[0343] Thereafter, the statement and card are ejected (S834), and the process ends (S821). Figure 27(B) is a diagram showing an example of the structure of a statement on which a passbook issuance ID is printed according to the eighth embodiment. As shown in Figure 27(B), a passbook issuance number (passbook issuance ID) 801 for issuing a new passbook is displayed on a statement 800. Furthermore, as shown in Figure 27(B), a two-dimensional code 802 created based on the passbook issuance ID may be printed.

[0344] (H-2-2) New passbook issuance process in passbook issuing device 60 FIG. 28 is a flowchart showing the processing operations for issuing a new passbook by the passbook issuing device 60 in the eighth embodiment.

[0345] [S840~S843] In the passbook issuing device 60, the control unit 1 controls so that a customer waiting screen (transaction selection menu screen) is displayed on the operation display unit 17 (S840).

[0346] A customer who has already switched to an account with a passbook but has not yet issued a new passbook may, for example, select the "Switch to account with passbook / issue passbook" button 701 on the transaction selection menu screen 500 of Figure 25(A) (S841).

[0347] Then, a card insertion screen is displayed on the operation display unit 17, and the customer inserts the card into the card slot 13 (S842), and then a PIN input screen is displayed on the operation display unit 17, and the customer inputs the PIN on the input screen (S844).

[0348] [S844] In the passbook issuing device 60, the passbook account switching selection / guidance processing unit 1f performs passbook account switching inquiry communication with the host server 20 (S804).

[0349] At this time, the passbook account clearing selection and guidance processing unit 1f sends a message to the host server 20 including card information such as the financial institution code, branch code, account holder name, account number, etc., as well as a PIN and a request to switch to a passbook account, and asks the host server 20 to confirm whether or not switching to a passbook account is possible.

[0350] Based on the information contained in the received message, host server 20 references customer information 211A in storage device 21 and confirms that the customer has already switched to an account with a passbook, but has not yet been issued a new passbook. Therefore, host server 20 returns a response message including a "switched new passbook issuance instruction" to passbook issuing device 60.

[0351] In the passbook issuing device 60 that has received the response message from the host server 20, the existing passbook account switching inquiry unit 1g determines whether the "switched new passbook issuance instruction" is valid or not based on the response message (S845). If it is not valid (S845 / not valid), the card is returned (S846) and the process ends. On the other hand, if it is valid (S845 / valid), the process proceeds to S847.

[0352] [S847] In S847, the passbook account switching execution unit 1h determines whether a passbook can be issued (S847), and if it determines that there are restrictions on passbook issuance or that a passbook cannot be issued, the passbook cannot be issued, so the card is returned (S846) and the process ends.On the other hand, if it determines that a passbook can be issued, the process proceeds to S848.

[0353] [S848] If a passbook can be issued on the other device 60, the existing passbook account new passbook issuance cooperation processing unit 1k displays an input screen for the passbook issuance ID (confirmation number) as shown in Figure 29 on the operation display unit 17 in order to issue a new passbook, and accepts input of the passbook issuance ID (confirmation) by the customer on the input screen (S848).

[0354] [S849, S850] The existing passbook account new passbook issuance cooperation processing unit 1k transmits an existing passbook account switching execution message including the passbook issuance ID entered on the input screen of Fig. 29 to the host server 20, and performs the existing passbook account switching execution process (S849). The existing passbook account new passbook issuance cooperation processing unit 1k displays the existing passbook account processing in progress screen 720 shown in Fig. 25(C) (S850).

[0355] Based on the passbook issuance ID included in the received message, host server 20 retrieves the corresponding customer information 211A from storage device 21 and verifies the passbook issuance ID. If the passbook issuance ID is valid, host server 20 returns a response message to other device 60 to the effect that a passbook will be issued for the account with a passbook.

[0356] If the passbook issuance ID is not valid, a response message to that effect (error) may be sent back to the other device 60.

[0357] [S850~S859] When a response message is returned from the host server 20 and the execution of the passbook account switch is established, the passbook processing unit 2 of the transaction device 10B dispenses a new passbook in preparation for issuing a new passbook (S851).

[0358] The new passbook issuance processing unit 1j for an existing passbook account sends and receives a message for issuing a new passbook with the host server 20 (S852), obtains information to be printed on the new passbook, and the passbook processing unit 2 prints the information on the cover and the front page of the new passbook (S853).

[0359] In addition, the new passbook issuance processing unit 1j for existing passbook accounts sends and receives a message of the entry information to be entered in the new passbook with the host server 20 (S854), and the passbook processing unit 2 prints the entry information (passbook details) in the new passbook (S855).

[0360] Then, when the information to be printed on the passbook is printed and the issuance of the new passbook is completed, the operation display unit 17 displays the screen 730 indicating the completion of switching to an account with a passbook, as shown in Fig. 25(D) (S856), the passbook processing unit 2 stores the passbook information in the passbook's recording medium (magnetic stripe MS), and the passbook is ejected (S857). Thereafter, the card is ejected (S858), and the process ends (S859).

[0361] (H-3) Effects of the Eighth Embodiment As described above, the eighth embodiment provides the following effects.

[0362] According to the eighth embodiment, for customers who have initially opened an account without a passbook but still desire a passbook, the account can be switched to an account with a passbook and a passbook issued through a transaction operation on the transaction device, which makes it possible to switch without the hassle of dealing with the counter or the constraints of counter business hours, thereby improving convenience.

[0363] According to the eighth embodiment, the burden on counter staff of a financial institution can be reduced by shifting the handling of transactions at the counter to the transaction device.

[0364] According to the eighth embodiment, at ATMs where passbook issuance is restricted or where passbooks cannot be issued, a mechanism can be established to link with another ATM that can issue passbooks or a passbook entry carryover machine, thereby allowing the ATM to accept a switch to an account with a passbook, thereby improving customer convenience.

[0365] [Variations] Although the embodiment of the present invention has been described above, the present invention is not limited to this and can be practiced within the scope of the claims. Modifications of the embodiment are as follows, for example.

[0366] The transaction device described in at least one of the embodiments has been described as being equipped with, for example, a passbook processing unit 2 and a passbook input / output port 12, but is not limited to this example, and the transaction device may not be equipped with, for example, the passbook processing unit 2 and the passbook input / output port 12.

[0367] Furthermore, the transaction device described in at least one of the embodiments has been described as being equipped with, for example, a coin deposit / withdrawal section 6 and a coin inlet / outlet 16, but is not limited to this example, and the transaction device may not be equipped with, for example, the coin deposit / withdrawal section 6 and the coin inlet / outlet 16.

[0368] In addition, some of the components described in each embodiment may be combined / omitted, at least some of the components of at least one of the embodiments may be omitted, and at least some of the components of one of the embodiments may be replaced with components of another embodiment or added as new components. [Explanation of symbols]

[0369] 9 and 9A... transaction system, 10, 10A, 10B... transaction device, 11... housing, 12... passbook inlet / outlet, 13... card inlet / outlet, 14... statement slip outlet, 15... banknote inlet / outlet, 16... coin inlet / outlet, 17... operation display unit, 20...host server, 21...storage device, 211 and 211A...customer information, 30...information processing terminal, 40...server, 401...history occurrence notification unit, 402...WEB passbook information notification unit, 403...passbook issue number setting unit, 404...history information notification unit, 405...registered information linking unit, 41...registered information DB, 411...registered information, 60... Passbook issuing device, 90... Passbook issuing device, 901... Passbook issue number acquisition unit, 902... History information acquisition unit, 903... Passbook issuing unit, 1...control unit, 2...bankbook processing unit, 3...card processing unit, 4...statement slip processing unit, 5...banknote deposit / withdrawal unit, 6...coin deposit / withdrawal unit, 7...storage unit, 8...communication unit 1a...fee inquiry processing unit, 1b...non-passbook account application instruction judgment unit, 1c...non-passbook account application guidance unit, 1d...non-passbook account application selection processing unit, 1e...post-passbook transaction processing unit, 1f...passbook account switching selection and guidance processing unit, 1g...passbook account switching possibility inquiry unit, 1h...passbook account switching execution unit, 1j...passbook account new passbook issuance processing unit, 1k...passbook account new passbook issuance linkage processing unit.

Claims

1. A transaction device that performs predetermined transaction processing by customer operation, An operation display unit; a bankbook processing unit that performs printing processing on the inserted bankbook; a control unit for receiving and transmitting a message relating to a transaction from and to a host server when a predetermined transaction is selected on a transaction selection screen displayed on the operation display unit; Equipped with When the response message from the host server includes information indicating that the customer's account can be changed to a non-passbook account, a change confirmation screen for confirming the change from a passbook account to a non-passbook account is displayed on the operation display unit, After confirmation on the change confirmation screen, the control unit exchanges a message regarding the change from an account with a passbook to an account without a passbook with the host server. A transaction device characterized by:

2. A transaction device that performs predetermined transaction processing by customer operation, An operation display unit; a bankbook processing unit that performs printing processing on the inserted bankbook; a control unit for receiving and transmitting a message relating to a transaction from and to a host server when a predetermined transaction is selected on a transaction selection screen displayed on the operation display unit; Equipped with When the response message from the host server includes information indicating that the customer's account can be switched to a non-passbook account, a screen for confirming whether or not the customer wishes to switch to the non-passbook account is displayed on the operation display unit. A transaction device characterized by:

3. A transaction device that performs predetermined transaction processing by customer operation, An operation display unit; a control unit that, when a transaction for changing the type of account is selected on the transaction selection screen displayed on the operation display unit, sends and receives a message regarding the change of the type of account to and from a host server; Equipped with When the account type change transaction is selected, if the response message from the host server includes information indicating that the account type can be changed for the customer, a change confirmation screen is displayed on the operation display unit, allowing the customer to decide whether to confirm or cancel the execution of the account type change transaction; After confirmation on the change confirmation screen, the control unit exchanges a message regarding the change of account type with the host server, When a response message of permission to change the account is received from the host server, the transaction to change the account type is completed. A transaction device characterized by:

4. A transaction device that performs predetermined transaction processing by customer operation, An operation display unit; a control unit that, when a transaction for changing whether or not a passbook exists in an account is selected on the transaction selection screen displayed on the operation display unit, sends and receives a message regarding the change in whether or not a passbook exists in the account to and from a host server; Equipped with When a transaction for changing the presence or absence of a passbook in the account is selected, if a response message from the host server includes information indicating that the presence or absence of a passbook in the account of the customer can be changed, a change confirmation screen is displayed on the operation display unit, After confirmation on the change confirmation screen, the control unit exchanges a message with the host server regarding the change of the presence or absence of a passbook in the account; When a response message for permission to change the presence or absence of a passbook in the account is received from the host server, the transaction for changing the presence or absence of a passbook in the account is completed. When the transaction for changing whether an account has a passbook on the transaction selection screen is a transaction for changing from an account without a passbook to an account with a passbook, a change confirmation screen including a fee for changing to an account with a passbook is displayed on the operation display unit, After confirmation on the change confirmation screen, the control unit exchanges a message with the host server regarding the change of the presence or absence of a passbook in the account; When a response message for permission to change the presence or absence of a passbook in the account is received from the host server, the new passbook that has been issued is ejected from the passbook processing unit. A transaction device characterized by:

Images