JP6625591B2 - Trading equipment - Google Patents

Description

  The present invention relates to a transaction device, for example, in an electronic payment system that performs payment by exchanging electronic data, and is applicable to a transaction device in which a customer performs a payment transaction.

  2. Description of the Related Art In recent years, various electronic settlement services have been developed with the development of network security technology and the like. Among them, a customer can pay by inputting unique payment information (for example, a customer number or a confirmation number) in a cash handling device represented by, for example, an ATM (Automatic Teller Machine), There is a payment storage service that immediately notifies payment information to a storage organization that is a storage destination.

  This type of payment storage service is different from general transfer transactions in that there are few restrictions on the transfer time, there is no need to enter transfer information such as the name of the transfer destination and account number, and payment can be made with simple procedures. Has been realized. Also, the payment information is immediately notified to the storage organization.

  Hereinafter, a method of a payment storing process in a conventional ATM will be described with reference to FIGS. FIGS. 2 and 3 illustrate a case where the customer makes a payment transaction with cash.

  A customer who pays for a product or service has acquired payment information such as a storage organization number, a payment number, and a confirmation number. The customer operates the ATM operation display means to select a cash payment method for the payment storage service (S901), and inputs payment information (S903).

  The ATM transmits a cash payment inquiry to the financial institution host server 2 (S904). Then, the financial institution host server 2 makes an inquiry about the storage service information to a multi-payment network (MPN) center server 3 which exchanges information between the financial institution and the storage institution. The financial institution host server 2 receives the inquiry about the storage service information from the MPN center server 3 (S905), and confirms whether or not the payment transaction amount is valid (S906, S907).

  If the payment transaction amount between the MPN center server 3 and the financial institution host server 2 is valid, the financial institution host server 2 sends an inquiry establishment response to the ATM (S909), and the ATM checks the transaction amount paid by the customer. Is received, a predetermined cash payment transaction is executed (S910 to S920).

JP-A-10-289348 JP 2008-192174 A

  By the way, there is a limit on the cash handling amount in the ATM. In the conventional payment service related to payment or payment, there is a requirement that the financial institution develops the confirmation of the cash handling amount of the ATM.

  However, when a shared host system that integrates a plurality of financial institutions is adopted, the amount of cash handled by the ATM at each financial institution may not always be uniform, and the development cost and development burden on the financial institution will increase. Can occur.

  Also, when the financial institution host server checks the ATM cash handling amount, if the payment transaction amount is an amount that cannot be handled by the ATM, the financial institution host server sends a rejection response to the ATM (S906 in FIG. 2). , ATM will interrupt the transaction (S908 in FIG. 2). At this time, the ATM that has received the rejection response has no mechanism for transmitting a response such as an execution message to the financial institution host server, and further, the ATM for the financial institution host server to cancel the payment storage service to the MPN center server. A mechanism on the financial institution host server side is required.

  Therefore, there is a strong demand for a transaction device capable of canceling a storage service related to payment or payment according to the cash handling amount of the transaction device (ATM) while reducing the development burden on the financial institution.

In order to solve such a problem, the first aspect of the present invention transmits payment information specifying payment to a storage institution to a financial institution server, and performs payment based on payment transaction information to the storage institution acquired from the financial institution server. compared in a transaction apparatus for performing the transaction, if it does not contain the payments to the storage agencies to (1) payment transaction information, and payment information related to the cash payment, which is input to the customer, the transaction limit information A transaction apparatus comprising: (2) a transaction cancellation means for transmitting, to a financial institution server, transaction cancellation information for canceling a payment transaction to a storage institution in accordance with a determination result by the transaction determination means. It is.

According to a second aspect of the present invention, in a transaction device for transmitting payment information specifying payment to a storage institution to a financial institution server and performing payment transaction based on payment transaction information to the storage institution acquired from the financial institution server, 1) transaction determination means for comparing the payment amount information to the storage institution included in the payment transaction information with the transaction limit information; and A transaction apparatus comprising: transaction cancellation means for transmitting transaction cancellation information to be canceled to a financial institution server.

According to a third aspect of the present invention, in a transaction apparatus for transmitting payment information specifying payment to a storage institution to a financial institution server and performing a payment transaction based on the payment transaction information to the storage institution acquired from the financial institution server, 1) transaction determination means for comparing the payment amount information relating to the cash payment to the storage institution included in the payment transaction information with the transaction limit information; and (2) the storage institution according to the determination result by the transaction determination means. And a transaction canceling means for transmitting transaction cancellation information for canceling the payment transaction to the financial institution server.

According to a fourth aspect of the present invention, there is provided a transaction apparatus for transmitting payment information specifying payment to a storage institution to a financial institution server and performing a payment transaction or a payment transaction to the storage institution acquired from the financial institution server. In the case of a payment transaction to a storage institution such as a country among the institutions, the financial institution server compares the payment amount information relating to the payment to the storage institution in the relevant country with the transaction limit information of the storage institution in the relevant country. However , in the case of a payment transaction to a private storage institution, the transaction judgment is to compare the payment amount information related to the payment to the private storage institution with the transaction limit information of the private storage institution. and means, and a transaction cancellation means for transmitting (2) in accordance with the comparison result by the comparison result or transaction determination means according to the financial institution server, the transaction cancellation information to cancel the payment transaction or payment transactions to the storage engine to the financial institution server And wherein the door.

  ADVANTAGE OF THE INVENTION According to this invention, the storage service concerning payment or payment can be canceled according to the cash handling amount of a transaction apparatus, reducing the development burden on a financial institution side.

FIG. 2 is an internal configuration diagram illustrating an internal configuration of the ATM according to the embodiment. It is a flowchart which shows the processing operation of the payment transaction in the ATM which concerns on the conventional storage system (the 1). It is a flowchart (part 2) which shows the processing operation of the payment transaction in ATM which concerns on the conventional storage system. 1 is an overall configuration diagram showing an overall configuration of a storage system according to an embodiment. It is a flowchart which shows the operation | movement of the payment process in ATM which concerns on embodiment (the 1). It is a flowchart which shows the operation | movement of the payment process in ATM which concerns on embodiment (the 2). It is a flowchart which shows the operation | movement of the payment process in ATM which concerns on embodiment (the 3). It is a screen figure showing an example of a menu screen of ATM concerning an embodiment. It is a screen figure showing an example of the selection screen which selects the payment method of the storage service concerning an embodiment. It is a screen figure showing an example of the alerting screen concerning an embodiment. In the embodiment, it is a screen diagram showing an example of a payment information input screen when the storage organization is a country or the like (part 1). In the embodiment, it is a screen diagram showing an example of a payment information input screen when the storage organization is a country or the like (part 2). In the embodiment, it is a screen diagram showing an example of a payment information input screen when the storage organization is a country or the like (part 3). In the embodiment, it is a screen diagram showing an example of a payment information input screen when the storage organization is a country or the like (part 4). It is a screen figure which shows an example of the payment information input screen in case an accommodation organization is a private company in embodiment (the 1). It is a screen figure which shows an example of the payment information input screen in case an accommodation organization is a private company in the embodiment (part 2). It is a screen figure which shows an example of the payment information input screen when a storage organization is a private company in the embodiment (part 3). It is a screen figure showing an example of the payment amount input screen concerning an embodiment. It is a screen figure showing an example of the payment amount confirmation screen concerning an embodiment. In the embodiment, it is a screen diagram showing an example of an execution screen for executing a payment transaction (part 1). In the embodiment, it is a screen diagram showing an example of an execution screen for executing a payment transaction (part 2). FIG. 11 is a screen diagram illustrating an example of an execution screen for executing a payment transaction in the embodiment (part 3). In the embodiment, it is an example of a display screen when a statement slip is discharged. In the embodiment, it is a screen showing an example of a display screen when a payment transaction amount exceeds a cash payment limit.

(A) Main Embodiment Hereinafter, a main embodiment of a transaction device of the present invention will be described in detail with reference to the drawings.

  In this embodiment, a case will be described as an example in which the present invention is applied to a storage system in which a customer pays for goods, utilities, taxes, and the like at an ATM.

(A-1) Configuration of Embodiment (A-1-1) Overall Configuration FIG. 4 is an overall configuration diagram showing an overall configuration of a storage system according to this embodiment.

  In FIG. 4, a storage system 5 according to this embodiment includes ATMs 1-1 to 1-N (N is an integer), a financial institution host server 2, an MPN (multi-paint network) center server 3, and a storage institution server 4.

  ATM1-n (1 ≦ n ≦ N) is, for example, a cash handling apparatus installed in a financial institution, a station, an airport, a convenience store, or the like. The ATM 1-n performs a payment process of paying a price for goods and services to a storage organization in addition to a transaction process such as a deposit transaction process and a withdrawal transaction process performed by a normal ATM.

  In the payment processing in the ATM 1-n, payment can be made by cash or a payment method using a card such as a cash card or a credit card. This payment method is selected by the customer.

  When performing payment processing, the ATM 1-n obtains payment information by a customer operation, and financing the payment information input by the customer in order to inquire cash payment information corresponding to the payment information via the network NT. It is transmitted to the institution host server 2.

  Here, the payment information is information that uniquely specifies payment and storage in order for the customer who has received the product or service to be paid to the storage organization by the storage service. For example, when the storage institution is a national or local government, the payment information includes a storage institution number, a payment number, a confirmation number, and a payment category. When the storage institution is a private company, the payment information includes a storage institution number, a payment number or a customer number, and a confirmation number.

  When receiving the inquiry about the cash payment information from the financial institution host server 2, the ATM 1-n determines whether or not the payment transaction amount included in the cash payment information exceeds a preset cash payment limit. to decide.

  When the payment transaction amount exceeds the cash payment limit, the ATM 1-n transmits the cash payment cancellation information to the financial institution host server 2 to cancel the storage service. When the ATM 1-n receives the storage service cancellation establishment response from the financial institution host server 2, the ATM 1-n ends the current payment process.

  That is, when the payment transaction amount exceeds the cash payment limit, the ATM 1-n performs a cash payment canceling process for canceling the storage service. This cash payment cancellation process is treated as one transaction process. Then, when receiving the cash payment cancellation response from the financial institution host server 2, the ATM 1-n terminates the payment process.

  On the other hand, if the payment transaction amount is equal to or less than the cash payment limit, in order to continue the payment processing, the ATM 1-n receives the payment transaction amount confirmation and cash input by the customer, and transmits the cash payment execution information to the financial institution host. Send to server 2.

  Here, as described above, the ATM1-n is set with the cash payment limit, which is the cash handling limit in the ATM1-n, and when a transaction exceeding the cash payment limit is made, , ATM1-n suspends execution of the transaction. The cash payment limit may be different for each financial institution operating ATM1-n. Further, for example, the maximum amount of cash payment may be different depending on the storage institution, such as a national or local government, or a private financial institution.

  The financial institution host server 2 executes a transaction process based on transaction information of various transactions acquired from the ATM 1-n via the network NT, or, based on payment information related to the payment process acquired from the ATM 1-n, This is for checking whether or not the storage service has been established with the MPN center server 3. Note that the financial institution host server 2 may be operated by a certain financial institution, or a shared system host server or the like operated jointly by a plurality of financial institutions (for example, a plurality of regional banks). be able to.

  The financial institution host server 2 is connected to the MPN center server 3 in order to perform storage processing. When the financial institution host server 2 acquires the payment information relating to the storage service from the ATM 1-n, the financial institution host server 2 transmits the storage service request information to the MPN center server in order to confirm whether or not the storage service corresponding to the payment information has been established. Send to 3.

  Here, the storage service request information includes at least the payment information acquired from the ATM 1-n, and requests whether the storage service corresponding to the payment information is registered.

  When the storage service is established, the financial institution host server 2 acquires the storage service information received from the MPN center server 3. Further, the financial institution host server 2 transmits the payment transaction amount included in the storage service information to the corresponding ATM 1-n.

  Further, upon acquiring the cash payment cancellation information from the ATM 1-n, the financial institution host server 2 transmits the storage cancellation request information to the MPN center server 3 in order to cancel the current storage service. Then, when the storage service is canceled from the MPN center server 3, the financial institution host server 2 transmits a cancellation completion response to the corresponding ATM1-n.

  The MPN center server 3 performs storage processing for storing the amount paid by the ATM 1-n through the financial institution host server 2 in the storage institution. The MNP center server 3 has a storage management database for storing in the storage institution. When receiving the storage service request information from the financial institution host server 2, the MNP center server 3 refers to the storage management database and includes the information in the storage service request information. Based on the payment information received, the presence or absence of a storage service object is searched.

  Then, when there is a storage service, the MPN center server 3 transmits storage service information including the storage service contents to the financial institution host server 2. If there is no corresponding storage service, the MPN center server 3 transmits to the financial institution host server 2 that the storage service is not registered.

  Further, when the cash payment execution information in the ATM 1-n is acquired through the financial institution host server 2, the MPN center server 3 clears the storage service object and notifies the storage institution server 4 that the storage has been performed. is there.

  The storage institution server 4 is a storage institution server that stores prices for goods and services provided to customers. When the storage service target is cleared by the MPN center server 3, the storage institution server 4 is notified from the MPN center server 3 that storage has been performed.

(A-1-2) Internal Configuration of ATM1-n FIG. 1 is an internal configuration diagram showing an internal configuration of the ATM1-n according to the embodiment.

  In FIG. 1, ATM1-n includes a common control unit 101, a card processing unit 102, a customer operation screen display unit 103, a customer operation key input unit 104, a cash processing unit 105, a statement table processing unit 106, a journal processing unit 107, a check It has an information storage unit 108, a transaction availability determination unit 109, a transaction cancellation unit 110, a transaction control unit 111, and an interface unit 112.

  The common control unit 101 controls the functions of the ATM 1-n. The common control unit 101 is, for example, a central processing unit (CPU), and realizes the functions of the ATM 1-n by executing a processing program stored in an external storage device. Note that the processing program can be constructed by installation, and even in that case, the function can be functionally shown in FIG.

  The card processing unit 102 reads information stored in a card (for example, a cash card, a credit card, or the like) inserted by a customer, gives the read information to the common control unit 101, or deletes the card after the transaction is completed. Or discharge it.

  The customer operation screen display unit 103 displays a menu screen and a customer operation guidance screen related to a transaction, and displays input information input by a customer.

  The customer operation key input unit 104 receives an input by a customer operation in a transaction.

  The cash processing unit 105 controls the operations of the banknote pay-in / pay-out unit and the coin pay-in / pay-out unit provided in the ATM 1, and performs transaction processing that can be handled in the ATM. The cash processing unit 105 controls the operation of the banknote pay-in / pay-out unit and the coin pay-in / pay-out unit, thereby performing processing such as taking in and discharging money (for example, banknotes and coins) related to transactions.

  The statement processing unit 106 outputs a statement in which the contents of the transaction are printed on a medium (for example, a paper medium) after the transaction is completed. For example, in the case of a payment transaction, the statement processing unit 106 creates and discharges a statement as a receipt indicating that payment to the storage institution has been completed.

  The journal processing unit 107 prints transaction details on a journal.

  The check information storage unit 108 stores a cash payment limit, which is a transaction limit, in order to confirm the transaction limit when performing a transaction in the ATM 1.

  The transaction availability determination unit 109 transmits and receives the transaction information to and from the financial institution host server 2, and pays the transaction amount of the request received from the financial institution host server 2 and the cash payment limit stored in the check information confirmation unit 108. To determine whether a payment transaction is possible. The transaction availability determination unit 109 notifies the common control unit 101 of the determination result as to whether or not payment transaction is possible.

  The transaction canceling unit 110 executes a cash payment canceling process with the financial institution host server 2 when the transaction availability determining unit 109 determines that the payment transaction amount exceeds the cash payment limit.

  The transaction control unit 111 exchanges transaction information selected by the customer with the financial institution host server 2 and executes the transaction processing. The transaction control unit 111 performs a transaction of the transaction type selected by the customer through the customer operation key input unit 104, and performs processing of a transaction type such as a deposit transaction, a withdrawal transaction, and a payment transaction.

  Here, the depositing transaction is a process of performing a depositing transaction based on cash input from a customer, and includes, for example, a depositing transaction, a transfer transaction, and the like. The withdrawal process is a withdrawal transaction for paying cash to a customer, and includes, for example, a withdrawal transaction. The payment transaction is a transaction for performing payment processing to the storage institution based on the payment information input from the customer operation key input unit 104.

  Further, when the transaction selected by the customer is a payment transaction, the transaction control unit 111 acquires the payment information input by the customer into the financial institution host server 2 and acquires the cash payment information relating to the storage service. , And controls payment processing for the storage service. When the payment transaction amount related to the payment transaction exceeds the cash payment limit, the transaction control unit 111 controls to execute the cash payment cancellation process with the financial institution host server 2.

  The interface unit 112 is a processing unit or device that exchanges information necessary for a transaction with the financial institution host server 2.

(A-2) Operation of Embodiment Next, the operation of the payment processing in the ATM 1 of the storage system according to this embodiment will be described in detail with reference to the drawings.

  5 to 7 are flowcharts showing the operation of the payment process in the ATM 1 according to this embodiment.

  In ATM1, a customer who pays to a storage institution selects a payment transaction from a menu screen displayed on the customer operation screen display unit 103 of ATM1. Generally, payment methods in the storage service include cash and cash cards. In this embodiment, it is assumed that the payment method is cash, and the customer selects cash payment through the customer operation screen display unit 103 (S101).

  For example, FIG. 8 is a screen diagram illustrating an example of a menu screen of the ATM 1 according to the embodiment. FIG. 9 is a screen diagram illustrating an example of a selection screen for selecting a payment method for the storage service according to the embodiment. The customer operation screen display unit 103 of the ATM 1 displays a menu screen 501 shown in FIG. 8 having a guidance display unit 601 such as “Please press a desired transaction.” And a selection button 602 for various transactions. The customer selects a “pay tax / charge” button 603 indicating a payment transaction through the customer operation key input unit 104. Next, the customer operation screen display section 103 includes, for example, a guidance display section 611 such as “Please push the card when paying with a cash when paying from a card account.” And a “card” button 604 and a “card” button. The payment method selection screen of FIG. 9 having a “cash” button 605 is displayed. Here, it is assumed that the customer wants to pay by cash, and the “cash” button 605 is selected. In order to enable the customer to cancel the payment processing, a “cancel procedure” button 607 for canceling the processing is provided on the payment method selection screen 502 in FIG.

  Next, in order to alert the customer that the cash payment limit is set in the ATM 1, the alert screen 503 as illustrated in FIG. 10 is displayed on the customer operation screen display unit 601 ( S102).

  For example, the alert screen 503 in FIG. 10 indicates that “Payment of cash exceeding 100,000 yen cannot be made at an ATM except payment to the national and local governments.” Please note that there is a cash payment limit, such as "Please note that we can only handle bank cash cards." And "Guidance to the counter if you do not have a bank card." And a guidance display section 609 such as “If you want to cancel the operation, press the cancel procedure at the top right of the screen” and the like, a “confirm” button 608 and a “cancel procedure” button 607.

  Then, when the “confirm” button 608 is selected by the customer who wants to pay cash, the customer operation key input unit 104 inputs payment information by customer operation in order to execute a payment transaction to the storage institution (S103). ).

  Here, the input screen of the payment information of the payment transaction may be different depending on whether the receiving organization is a country or a local public entity (hereinafter referred to as a country or the like) or a private organization. This is because the type of payment information differs between the case where the storage organization is a country or the like and the case where the storage organization is private.

  FIGS. 11 to 14 are screen diagrams illustrating an example of a payment information input screen when the storage organization is a country or the like. FIGS. 15 to 17 are screen diagrams showing an example of a payment information input screen when the storage organization is a private organization.

  In the following, the payment information input processing will be described separately for the case where the storage organization is a country or the like and the case where the storage organization is a private organization.

  First, when the storage institution is a country or the like, the storage institution input screen 504 in FIG. 11 has a guidance display section 612 such as "designate the storage institution number and press confirmation if you like." The customer operates the key input unit 610 on the storage institution input screen 504 of FIG. 11 to input the storage institution number, and the input number is displayed on the input display unit 611. The customer confirms that the storage institution number has been correctly entered, and selects the “confirm” button 608. In addition, the correction of the input storage organization number can be corrected by a "correction" button.

  Here, the storage institution number identifies the storage institution, and the storage institution is provided separately for the country and the private sector. Therefore, in the ATM 1, the transaction control unit 111 can determine whether the storage organization is a country or a private company based on the input storage organization number under the control of the common control unit 101. The transaction control unit 111 determines that the storage institution is a country or the like based on the storage institution number, so that the payment information input screen displayed thereafter can be controlled.

  The payment information input screen 505 in FIG. 12 is a screen for inputting a payment number such as a country. The payment information input screen 505 in FIG. 12 has a guidance display section such as, for example, "Enter the payment number and press the confirmation key at the end. If there is a-(hyphen), press only the number." The customer operates the key input unit 613 on the payment information input screen 505 in FIG. 12 to input a payment number. The input payment number is displayed on the input display section 614. The customer confirms that the payment number has been correctly input, and selects the "Confirm" button 608.

  The payment information input screen 506 in FIG. 13 is a screen for inputting a confirmation number such as a country. The payment information input screen 506 in FIG. 13 has a guidance display section such as “Please input a confirmation number and press confirmation at the end.” The customer inputs a key on the payment information input screen 506 in FIG. The user operates the unit 616 to enter a confirmation number. The entered confirmation number is displayed on the input display section 617. The customer confirms that the confirmation number has been correctly entered, and selects the "Confirm" button 608.

  The payment information input screen 507 in FIG. 14 is a screen for inputting a payment category such as a country. The payment information input screen 507 in FIG. 14 has a guidance display section such as, for example, "Enter the payment category, and finally press confirmation. If there is a-(hyphen), press only the number." The customer operates the key input section 619 on the payment information input screen 507 in FIG. 14 to input a payment category. In this case as well, the input payment number is displayed on the input display section 620. The customer confirms that the payment category has been correctly input, and selects the "Confirm" button 608.

  Next, when the storage institution is private, the storage institution input screen 508 in FIG. 15 is similar to the storage institution input screen 504 in FIG. The customer operates the key input unit 622 on the storage institution input screen 508 in FIG. 15 to input the storage institution number, confirms the storage institution number, and selects the “confirm” button 608.

  The payment information input screen 509 in FIG. 16 is a screen for inputting a private customer number. The payment information input screen 509 shown in FIG. 16 has a guidance display section such as, for example, "Enter the payment number and press the confirmation key at the end. If there is a-(hyphen), press only the number." The customer operates the key input unit 624 on the payment information input screen 509 in FIG. 16 to enter the customer number. The entered customer number is displayed on the input display section 625. The customer confirms that the customer number has been correctly entered and selects the "confirm" button 608.

  The payment information input screen 510 in FIG. 17 is a screen for inputting a private confirmation number, and is similar to the payment information input screen 506 in FIG. The payment information input screen 510 in FIG. 17 has a guidance display section such as “Please input a confirmation number and press confirmation at the end.” The customer inputs a key on the payment information input screen 510 in FIG. The user operates the unit 627 to input a confirmation number. The input confirmation number is displayed on the input display section 628. The customer confirms that the confirmation number has been correctly entered, and selects the “Confirm” button 608.

  As described above, payment information is input through the screens illustrated in FIGS. 11 to 14 or FIGS. 15 to 17.

  The input payment information is provided to the common control unit 101. Under the control of the common control unit 101, the transaction control unit 111 gives information including the input payment information to the interface unit 112 in order to refer to the storage service related to the payment transaction, and sends the information to the financial institution host server 2. Transmission is performed (S104). In other words, the ATM 1 inquires the storage service related to the payment transaction, and sends information indicating that the transaction type is the payment transaction related to the storage service and payment information for specifying the storage service to the financial institution host server. Send to 2.

  The financial institution host server 2 performs a storage service inquiry communication with the MPN center server 3, and confirms whether or not the storage service inquiry based on the payment information is established (S105).

  As a method of exchanging information between the financial institution host server 2 and the MPN center server 3, an existing storage service inquiry method can be applied. Specifically, for example, the financial institution host server 2 transmits information including payment information received from the ATM 1 to the MPN center server 3. The MPN center server 3 checks based on the payment information acquired from the financial institution host server 2 whether or not it matches the registered payment information of the storage service. If the payment information matches, it is determined that the storage service to the storage institution has been established. If the payment information does not match, it is determined that the storage service to the storage institution has not been established, and the MPN center server 3 determines that the storage service has not been established. The storage service information including the result of the storage service inquiry is transmitted to the financial institution host server 2.

  When receiving the storage service information from the MPN center server 3, the financial institution host server 2 responds to the ATM 1 with the received storage service information. At this time, if the received storage service information indicates that the storage service inquiry has been established, the financial institution host server 2 sends an establishment response indicating that the storage service has been established (S106), and the storage service information includes the payment transaction amount. At this time, the payment transaction amount is also transmitted to ATM1 as it is (S107).

  In other words, in the conventional storage system, the financial institution host server 2 compares the payment transaction amount related to the payment transaction with the cash transaction amount in each ATM 1, and transmits an establishment response or a rejection response to the ATM 1 according to the comparison result. Was. However, in this embodiment, since the cash payment limit in the ATM 1 is in various modes, the financial institution host server 2 does not perform the comparison judgment and the response according to the comparison result.

  In the ATM 1, when receiving the storage service information from the financial institution host server 2 (S108), the transaction control unit 111 checks whether the received storage service information is an establishment response or a rejection response. If the response is a rejection response, the payment transaction for the current storage service is terminated.

  On the other hand, if the response is an establishment response, the transaction control unit 111 determines whether the received storage service information includes the payment transaction amount (S109).

  If the payment transaction amount is not included in the storage service information in S109, the transaction control unit 111 displays a payment amount input screen on the customer operation screen display unit 103 in order to allow the customer to input the payment amount. Then, the payment amount is input by a customer operation (S110), and when the payment amount is confirmed (S111), the process proceeds to S115 in FIG.

  Here, FIG. 18 is a screen diagram showing an example of a payment amount input screen according to this embodiment. FIG. 19 is a screen diagram showing an example of a payment amount confirmation screen according to this embodiment.

  For example, the payment amount input screen 511 in FIG. 18 includes a guidance display unit 629 such as “Press the amount to be paid, and finally press a yen.” And key input for inputting the amount to be paid to the storage institution. It has a part 630. Then, when the customer operates the key input unit 630 to input the payment amount, the payment amount is displayed on the payment amount display unit 631. When the customer selects the “yen” button, a payment amount confirmation screen 512 of FIG. 19 is displayed. If the entered payment amount is correct, the “confirm” button 608 is selected by the customer operation. In FIG. 19, if the input payment amount is incorrect, the customer selects the “correction” button 633 to correct the payment amount, and returns to the payment amount input screen 512 in FIG. The payment amount can be input again.

  In S109, if the payment transaction amount is included in the storage service information, the transaction possibility determination unit 109 determines whether the storage institution is a country or a private sector or not, and according to the type of storage institution, The payment transaction amount included in the information is compared with the cash payment limit preset in the check information storage unit 108 (S112 to S114).

  The cash payment limit set in the check information storage unit 108 is, for example, the transaction amount paid to the country or the like is “1 million yen”, and the transaction amount paid to the private sector is “100,000 yen”. The setting may be made according to the type of the institution. Then, the transaction availability determination unit 108 may determine whether the transaction amount to be paid is equal to or less than the cash payment limit according to the type of the storage institution that makes the payment.

  For example, as shown in FIG. 5, first, the transaction availability determination unit 108 determines whether the payment transaction amount included in the storage service information is equal to or less than the cash payment limit (for example, 1 million yen). Next, when the payment transaction amount is equal to or less than the cash payment limit (for example, one million yen), it is determined whether or not the storage organization related to the current payment is a private organization (S113). When the payment transaction amount is equal to or less than the cash payment limit (for example, 1 million yen) and the storage institution is a country or the like, the transaction availability determination unit 108 proceeds to S115 in FIG. Transition.

  Further, for example, when the payment transaction amount included in the storage service information exceeds the cash payment limit (for example, 1 million yen), even if the payment is made to a country or the like where relatively large cash transactions are permitted, The transaction availability determination unit 108 proceeds to S130 in FIG. 7 to cancel the payment process.

  Further, for example, it is assumed that the payment transaction amount included in the storage service information is equal to or less than the cash payment limit (for example, 1 million yen) and the storage organization is a private organization. At this time, the transaction availability determination unit 108 determines whether or not the transaction amount to be paid is equal to or less than the cash payment limit to the private sector (for example, 100,000 yen) (S114).

  When the payment transaction amount is equal to or less than the cash payment limit to the private sector (for example, 100,000 yen), the transaction availability determination unit 108 shifts to S115 in FIG. 15 in order to proceed with the payment process. On the other hand, when the payment transaction amount exceeds the cash payment limit to the private sector (for example, 100,000 yen), the transaction availability determination unit 108 shifts to S130 in FIG. 7 to cancel the payment process.

  In S112 to S114 in FIG. 5, the transaction availability determination unit 108 determines whether the type of the storage institution and the transaction amount to be paid exceed the cash payment limit for each storage institution (country or private sector). It just needs to be able to judge.

  Therefore, for example, as a modified example of S112 to S114 in FIG. 5, the transaction availability determination unit 108 first determines the storage institution related to the current storage service, and thereafter, the payment transaction amount depends on the storage institution. It may be determined whether or not the cash payment limit has been exceeded.

  FIG. 6 is a flowchart showing a processing operation when the payment transaction amount is equal to or less than the cash payment limit in this embodiment.

  When the payment transaction amount is equal to or less than the cash payment limit, the cash processing unit 105 operates the bill receiving unit and the coin receiving unit to perform a deposit operation of the currency (banknote and coin) related to the current payment (S116).

  Then, when the cash processing unit 105 counts and confirms the amount of the payment (S117), the transaction control unit 111 provides the cash payment execution information including the payment amount to the interface unit 112, and the financial institution host server 2 (S118). The cash payment execution information includes at least the payment amount, but may include the payment information input in S103.

  20 to 22 are screen diagrams showing an example of an execution screen for executing a payment transaction. For example, the execution screen 513 of FIG. 20 has a content display section 635 for displaying the content of the payment transaction, for example, a guidance display section such as "Please check the displayed content. If you want, press the confirmation." 634. When the customer confirms the displayed contents and selects the "confirm" button 608, in order to urge the customer to deposit cash, for example, "Align the bills and insert them into the bill insertion slot (bill receipt / payment unit. There is a coin.) In such a case, please insert the coin into the coin insertion slot (coin deposit / withdrawal section) "and a display section 637 for displaying the details of the payment.

  Then, when cash is deposited by the customer, the cash processing unit 105 counts the deposit amount, and a display unit including the payment transaction amount and the actually deposited amount as shown in an execution screen 525 of FIG. 640 is displayed. Then, when the customer selects the “confirm” button 639, the payment amount is confirmed.

  When the financial institution host server 2 acquires the cash payment execution information from the ATM 1, the financial institution host server 2 performs a process of clearing a storage service target to the storage institution with the MPN center server 3 (S119).

  Specifically, the financial institution host server 2 transmits to the MPN center server 3 cash payment execution information including the payment amount paid in the ATM 1. The MPN center server 3 determines whether or not the transaction amount paid to the storage organization corresponding to the current payment information matches the payment amount paid. When the payment amount matches the payment transaction amount, the MPN center server 3 determines that the application has been completed, and when the payment amount does not match the payment transaction amount, the MPN center server 3 determines that the application has failed. The MPN center server 3 responds to the financial institution host server 2 with information including the result of the determination of whether or not the application has been established.

  Upon receiving the response information from the MPN center server 3, the financial institution host server 2 responds to the ATM 1 with a cash payment execution response including the response information (S120).

  When the cash payment execution response is transmitted to the ATM 1 after the application is completed (S121), the transaction control unit 111 of the ATM 1 determines that the payment transaction to the storage institution has been completed, and the statement processing unit 106 determines that the payment transaction has been completed. The statement slip is printed and discharged (S122).

  FIG. 23 is an example of a display screen when a statement slip is discharged. When the statement processing unit 106 discharges the statement, the guidance display unit 641 such as “Please receive the statement” is displayed on the display screen 516 of FIG. 23 in order to prompt the receipt of the statement. Is displayed on the customer operation screen display unit 103.

  If the application is not established, the transaction control unit 111 determines that the payment transaction to the storage institution has not been completed, and ends the payment transaction.

  FIG. 7 is a flowchart showing the processing operation when the payment transaction amount exceeds the cash payment limit in this embodiment.

  When the payment transaction amount exceeds the cash payment limit (S130), a display screen indicating that the cash cannot be handled at the ATM 1 is displayed on the customer operation screen display unit 103.

  FIG. 24 is a screen showing an example of a display screen when the payment transaction amount exceeds the cash payment limit. When the payment transaction amount exceeds the cash payment limit, as shown in FIG. 24, the customer operation screen display unit 103 displays, for example, “Transactions by designated payment form are handled by cash at ATM. No. Please contact the counter during business hours. "Is displayed. Then, the “confirm” button 608 on the display screen 517 is selected by the customer.

  When the “Confirm” button 608 on the display screen 517 is selected by the customer, the transaction cancellation unit 110 sends the storage cancellation request information to the financial institution host server 2 in order to cancel the payment processing related to the current storage service. It is transmitted (S131). The storage cancellation request information includes at least a payment transaction cancellation request, and may include the payment information input in S103.

  The financial institution host server 2 transmits the storage cancellation request information received from the ATM 1 to the MPN center server 3. Based on the payment information included in the storage cancellation request information received from the financial institution host server 2, the MPN center server 3 cancels the storage processing of the corresponding storage service to the storage institution. That is, when the cancellation transaction related to the current storage process is established in the MPN center server 3, the MPN center server 3 transmits storage cancellation information including the effect of the cancellation to the financial institution host server 2 (S132).

When the financial institution host server 2 receives the storage cancellation information including the fact that the cancellation has been established, the financial institution host server 2 transmits a cancellation establishment response to the ATM 1 (S133).
When the ATM 1 receives from the financial institution host server 2 a cancellation completion response including a message indicating that the cancellation has been completed (S134), the transaction control unit 111 determines that the cancellation of the payment process related to the current storage service has been completed. The processing unit 106 prints out the fact that the payment process has been cancelled on the statement slip and discharges it (S135). At this time, when the statement table processing unit 106 discharges the statement sheet, a guidance display such as, for example, "Please receive a usage statement sheet" is displayed as shown in a display screen 516 of FIG. 23 in order to prompt the receipt of the statement sheet. A display screen 516 having a unit 641 is displayed on the customer operation screen display unit 103.

(A-3) Effects of the Embodiment As described above, according to this embodiment, the ATM can confirm whether or not the amount related to the payment transaction exceeds the cash payment limit, so that the ATM can handle the amount. Is not uniform and can be individually set for each financial institution. For example, the burden and risk of confirmation by a financial institution center server such as a shared system host server can be reduced, and the amount check development burden on the financial institution host server side Can be expected to reduce the effect.

  Further, according to this embodiment, the ATM checks the payment transaction amount, and when the payment transaction amount exceeds the cash transaction amount, the ATM transmits the cash payment cancellation information to the financial institution host server, The financial institution host server can perform the storage service cancellation communication to the MPN center server by receiving the cash payment cancellation information as a trigger, and the effect of reducing the development burden of the financial institution host server can be expected.

(B) Other Embodiments Although various modified embodiments have been described in the above embodiments, the present invention is also applicable to the following modified embodiments.

(B-1) In the above-described embodiment, the case where the check information storage unit 108 of the ATM stores the information of the cash transaction limit for each storage institution of the ATM is exemplified, but the present invention is not limited to this. is not.

  For example, the financial institution host server 2 has information on the cash transaction limit for each storage institution, and the financial institution host server 2 performs the cash transaction for each storage institution based on the type of the storage institution included in the payment information. The limit may be searched, and the information on the searched cash transaction limit and the amount of the transaction paid to the storage institution may be transmitted to the ATM 1.

  That is, the financial institution host server 2 provides the ATM 1 with information on the cash transaction limit for each storage institution and the transaction amount paid to the storage institution. May be determined based on the information of the payment transaction amount. For example, the cash transaction limit of a country or the like is generally uniform, but the cash transaction limit of a private company may not be uniform. For this reason, at least the ATM 1 may be configured to be able to determine only whether or not the amount exceeds the private cash transaction limit.

1-n (1 ≦ n ≦ N) ATM, 2 ... financial institution host server, 3 ... MPN (multi-payment network) center server, 4 ... storage institution server
101: Common control unit, 102: Card processing unit, 103: Customer operation screen display unit, 104: Customer operation key input unit, 105: Cash processing unit, 106: Statement processing unit, 107: Journal processing unit, 108: Check Information storage unit, 109: transaction availability determination unit, 110: transaction cancellation unit, 111: transaction control unit, 112: interface unit.

Claims (11)

In a transaction device for transmitting payment information specifying payment to a storage institution to a financial institution server and performing a payment transaction based on the payment transaction information to the storage institution obtained from the financial institution server,
If you have not paid into the storage engine is included in the payment transaction information, and payment information related to the cash payment, which is input to the customer, and transaction judgment means for comparing the transaction limit information,
A transaction apparatus comprising: transaction cancellation means for transmitting transaction cancellation information for canceling a payment transaction to the storage institution to the financial institution server in accordance with a result of the determination by the transaction determination means. In a transaction device for transmitting payment information specifying payment to a storage institution to a financial institution server and performing a payment transaction based on the payment transaction information to the storage institution obtained from the financial institution server,
And payment amount information to the storage engine that is included in the above Symbol payment transaction information, and transaction judgment means for comparing the transaction limit information,
A transaction apparatus comprising: transaction cancellation means for transmitting transaction cancellation information for canceling a payment transaction to the storage institution to the financial institution server in accordance with a result of the determination by the transaction determination means.   The transaction apparatus according to claim 2, wherein the payment method of the payment transaction is cash payment. A transaction device that transmits payment information specifying payment to a storage institution to a financial institution server and performs a payment transaction based on the payment transaction information to the storage institution obtained from the financial institution server,
Transaction determination means for comparing payment amount information relating to cash payment to the storage facility included in the payment transaction information with transaction limit amount information,
A transaction apparatus comprising: transaction cancellation means for transmitting transaction cancellation information for canceling a payment transaction to the storage institution to the financial institution server in accordance with a determination result by the transaction determination means. In the case of the above-mentioned payment transactions to private storage agencies out of the storage engine, and the payment amount information relating to the payment to the housing agencies of the private sector, and the transaction limit information of the receiving institutions of the private sector, the financial institutions are compared by the server, the transaction cancellation means, in accordance with the comparison result, 請 Motomeko 1-3 transactions revocation information to cancel the payment transaction to the storage engine you characterized thereby transmitted to the financial institution server The transaction device according to any one of the above.   Claims: A display means for displaying, on a screen, a message indicating that there is an error in the contents of a payment transaction to the storage institution or a message including a message indicating that transaction is not possible, according to the determination result by the transaction determination means. Item 7. A transaction device according to any one of Items 1 to 3.   7. The transaction cancellation means according to claim 6, wherein the transaction cancellation information is transmitted to the financial institution server after a button for canceling the payment transaction displayed on the display means is selected. Trading equipment. In the case of the above-mentioned payment transaction to a storage institution such as a country among the above storage institutions, the above-mentioned payment amount information relating to cash payment to the storage institution in the relevant country etc. and the above-mentioned transaction limit information of the storage institution in the relevant country etc. , are compared by the financial institution server, the transactions cancellation means, in accordance with the comparison result, the trading revocation information to cancel the payment transaction to the storage engine it characterized thereby transmitted to the financial institution server invoiced Item 5. The transaction device according to Item 4.   A display means for displaying, on a screen, a message indicating that there is an error in the content of the payment transaction to the storage institution or a message including a message indicating that the transaction is not possible, according to the determination result by the transaction determination means. Item 9. The transaction device according to item 4 or 8.   10. The transaction canceling means according to claim 9, wherein the transaction canceling information is transmitted to the financial institution server after a button for canceling the payment transaction displayed on the display means is selected. Trading equipment. In a transaction device that transmits payment information specifying payment to a storage institution to a financial institution server and performs a payment transaction or payment transaction to the storage institution acquired from the financial institution server,
In the case of the payment transaction to a storage institution such as a country among the storage institution, the payment amount information relating to the payment to the storage institution in the country or the like and the transaction limit information of the storage institution in the country or the like are as described above. While being compared by the financial institution server, if the payment transactions to private storage engine of the above Symbol housing agency, and the payment amount information relating to payments to the storage engine of the private, the storage engine of the private A transaction determination means for comparing the transaction limit information with the transaction limit information;
Transaction cancellation means for transmitting, to the financial institution server, transaction cancellation information for canceling a payment transaction or a payment transaction to the storage institution according to the comparison result by the financial institution server or the comparison result by the transaction determination means. A transaction device, characterized in that:

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