JP7252154B2 - Automated transaction device, automated transaction program, automated transaction method and server - Google Patents

Description

The present invention relates to an automatic transaction device, an automatic transaction program, an automatic transaction method and a server.

Bank customers may have multiple accounts. A customer who has multiple accounts of his/her own may execute transactions to transfer balances between his or her accounts, such as through an Automated Teller Machine (ATM), Internet banking, or the like.

As a technology related to transactions that transfer balances, for example, calculation processing based on the transfer source account balance and the transfer destination account balance displayed on the terminal device and the post-transfer balance of the transfer destination account input to the terminal device for each digit. An information processing system has been proposed that outputs a result to a terminal device. Also, for example, specifying means for specifying the balance after the transaction, and transaction means for processing the transaction amount calculated based on the balance information before the transaction and the balance after the transaction specified by the specifying means. An automatic transaction device is proposed which comprises: Further, for example, an automated teller machine has been proposed that automatically calculates the difference between the current balance and the balance after the transaction designated by the user and displays the difference on display means in advance.

JP 2018-147523 A JP-A-11-224365 JP-A-9-311967

Customers who have multiple accounts of their own may wish to balance the balances of the multiple accounts to suit their needs. For example, when adjusting the balance of multiple accounts by transferring balances between multiple accounts, the customer should confirm the balance of each account in advance and consider the allocation before executing the transaction. Become.

Therefore, it is conceivable to display the pre-transaction balance of each of a plurality of accounts in a transaction in which balances are transferred between a plurality of accounts. However, the allocation of the balance of the account is left to the customer's consideration according to the displayed balance, and the transaction takes time. It is desired to improve the convenience of financial transactions by improving the efficiency of balance adjustment of account balances.

In one aspect, this case aims at improving the convenience of financial transactions.

One proposal provides an automated teller machine having a display, an input and a control. The input unit allows the user to input information and operations. The control unit transfers at least part of the balance of one of the first account and the second account specified based on the input information from the input unit to the other one of the first account and the second account. receiving an input operation from the input unit, and designating a first figure corresponding to the first account and a second figure corresponding to the second account based on the input operation The balance of the first account and the balance of the second account after the transaction are determined based on the ratio between the size of the first figure and the size of the second figure. .

According to one aspect, the convenience of financial transactions can be improved.

It is a figure which shows an example of the automatic transaction apparatus which concerns on 1st Embodiment. It is a figure which shows an example of the information processing system which concerns on 2nd Embodiment. It is a figure which shows one structural example of the hardware of ATM. FIG. 3 is a diagram showing a configuration example of hardware of a host server; It is a block diagram which shows the functional example of ATM. It is a figure which shows an example of account information. It is a figure (part 1) which shows an example of an amount-of-money setting screen. It is a figure (part 2) which shows an example of an amount-of-money setting screen. FIG. 13 is a diagram (part 3) showing an example of an amount setting screen; FIG. 12 is a diagram (part 4) showing an example of an amount setting screen; It is a figure (5) which shows an example of an amount-of-money setting screen. It is a figure which shows an example of an amount determination screen. It is a flowchart (part 1) which shows an example of transfer transaction processing. It is a flowchart (part 2) which shows an example of transfer transaction processing. It is a flowchart (the 3) which shows an example of transfer transaction processing. It is a figure which shows an example of the information processing system which concerns on 3rd Embodiment. 3 is a block diagram showing an example of functions of an Internet banking server; FIG. It is a figure which shows an example of user information. It is a flow chart which shows another example of transfer transaction processing.

Hereinafter, this embodiment will be described with reference to the drawings. It should be noted that each embodiment can be implemented by combining a plurality of embodiments within a consistent range.
[First Embodiment]
First, the first embodiment will be explained.

FIG. 1 is a diagram showing an example of an automated teller machine according to the first embodiment. 1st Embodiment moves the balance between a user's several accounts by the automatic transaction apparatus 10. FIG. The automatic transaction device 10 is a device that executes financial transactions in accordance with user's operations. The automated teller machine 10 is, for example, an ATM installed in a financial institution or the like.

The automated teller machine 10 has a display section 11 , an input section 12 and a control section 13 . The display unit 11 is a device capable of displaying and outputting an operation screen of the automated teller machine 10 . The display unit 11 is, for example, a display included in the automated teller machine 10 . The input unit 12 is a device used by the user to input information and operations to the automated teller machine 10 . The input unit 12 is, for example, an input device such as a card reader and a touch panel that the automatic transaction device 10 has. For example, when the input unit 12 accepts a card on which an account number is stored from a user, the input unit 12 reads the account number from the card. Also, for example, the input unit 12 receives a touch operation or a slide operation on the screen displayed by the display unit 11 .

The control unit 13 can control the automated teller machine 10 and execute required processing. The control unit 13 is, for example, a processor or an arithmetic circuit that the automatic transaction device 10 has. The control unit 13 executes balance transfer transactions in which balances are transferred between a plurality of accounts.

For example, the control unit 13 executes a balance transfer transaction including transferring at least part of the balance of one of the accounts a and b to the other one of the accounts a and b. Also, the balance transfer transaction executed by the control unit 13 includes transferring at least part of the balance of one of the accounts a and c to the other one of the accounts a and c. Here, account a, account b, and account c are specified based on input information from the input unit 12 . For example, the input unit 12 reads the account number from the accepted card. The control unit 13 then identifies the account a corresponding to the account number read by the input unit 12 . Similarly, the control unit 13 identifies the account b and the account c. As an example, assume that the balance of account a before the balance transfer transaction is 60,000 yen, the balance of account b is 60,000 yen, and the balance of account c is 20,000 yen.

The control unit 13 causes the display unit 11 to display the screen 11a during the balance transfer transaction. Screen 11a includes graphics 1, 2, 3, 4 and borders 5, 6. FIG. Figures 1 and 4 correspond to account a. Graphic 2 corresponds to account b. Graphic 3 corresponds to account c. Figures 1, 2, 3, and 4 are, for example, bars that can slide left and right. Graphic 1 and graphic 2 are adjacent, and boundary 5 is the boundary between graphic 1 and graphic 2 . Also, the graphics 3 and 4 are adjacent to each other, and the boundary 6 is the boundary between the graphics 3 and 4 .

Screen 11a may also include descriptions of the corresponding accounts in the vicinity of graphics 1, 2, 3, and 4. FIG. For example, screen 11a may include character strings such as "account a" and "60,000 yen" near graphics 1 and 4. FIG. Further, for example, the screen 11a may include character strings such as "account b" and "60,000 yen" near the figure 2. FIG. Further, for example, the screen 11a may include character strings such as "account c" and "20,000 yen" near the figure 3. FIG.

Here, the sum of the length of figure 1 and the length of figure 2 indicates the total amount of the balance of account a and the balance of account b. Also, the length of figure 1 indicates the balance of account a. Also, the length of figure 2 indicates the balance of account b. That is, on the screen 11a, the ratio of the length of the figure 1 and the length of the figure 2 is 1:1. Also, the sum of the length of figure 3 and the length of figure 4 indicates the total amount of the balance of account a and the balance of account c. Also, the length of figure 3 indicates the balance of account c. Also, the length of figure 4 indicates the balance of account a. That is, on the screen 11a, the ratio of the length of the figure 3 and the length of the figure 4 is 1:3. The display unit 11 displays the sum of the lengths of the figures 1 and 2 and the sum of the lengths of the figures 3 and 4 with the same length. Therefore, the display unit 11 may display the graphic 1 and the graphic 4 corresponding to the account a with different lengths.

The control unit 13 causes the display unit 11 to display the figures 1, 2, 3, and 4 in sizes designated based on the input operation from the input unit 12. FIG. For example, the control unit 13 receives an input operation to change the boundaries 5 and 6 from the input unit 12 . The input unit 12 receives, for example, an operation of sliding the boundaries 5 and 6 displayed on the screen 11a to the post-movement position as an input operation for changing the boundaries 5 and 6. FIG. Then, the control unit 13 causes the display unit 11 to display an image corresponding to the input operation for changing the boundaries 5 and 6 . Note that the control unit 13 may receive from the input unit 12 an input operation to change the boundaries 5 and 6 by an integer multiple of the unit indicating the predetermined amount.

As an example, when the control unit 13 receives an input operation from the input unit 12 to change the boundary 5 to a position where the ratio of the length of the figure 1 and the length of the figure 2 is 1:3, the screen 11b is displayed on the display unit 11. display. The screen 11b includes figures 1, 2, 3, 4 and boundaries 5,6. By the input operation for changing the boundary 5, the length of the graphic 1 and the length of the graphic 2 on the screen 11b are changed from the lengths of the graphic 1 and the graphic 2 on the screen 11a.

Then, the control unit 13 determines the balance of the account a and the balance of the account b after the balance transfer transaction based on the ratio between the size of the graphic 1 and the size of the graphic 2 . For example, on screen 11b, the ratio of the length of figure 1 to the length of figure 2 is 1:3. Also, the sum of the length of figure 1 and the length of figure 2 indicates the total amount of 120,000 yen of the balance of account a and the balance of account b. Therefore, the control unit 13 determines the balance after balance transfer transaction of account a corresponding to figure 1 to be 30,000 yen, and the balance after balance transfer transaction of account b corresponding to figure 2 to be 90,000 yen. decide.

In addition, when the control unit 13 determines the balance of the account a after the balance transfer transaction based on the input operation for changing the boundary 5, the control unit 13 indicates the ratio between the balance of the account a and the balance of the account c after the balance transfer transaction. The figures 3 and 4 are displayed on the display unit 11 by changing the boundary 6 to the position. For example, on screen 11b, the length of figure 1 indicates 30,000 yen, so the amount indicated by the length of figure 4 is also changed to 30,000 yen. Also, on the screen 11b, the length of the figure 3 indicates 20,000 yen. Therefore, on the screen 11b, the boundary 6 is displayed at a position where the ratio of the length of the figure 3 and the length of the figure 4 is 2:3.

Here, when the control unit 13 receives an input operation to change the boundary 6 to a position where the ratio of the length of the figure 3 and the length of the figure 4 is 1:4 from the input unit 12, the screen 11c is displayed on the display unit 11. display. Screen 11c includes figures 1, 2, 3, 4 and borders 5, 6. FIG. By the input operation for changing the boundary 6, the lengths of the figures 3 and 4 on the screen 11c are changed from the lengths of the figures 3 and 4 on the screen 11b.

Then, the control unit 13 determines the balance of the account a and the balance of the account c after the balance transfer transaction based on the ratio between the size of the graphic 3 and the size of the graphic 4 . For example, on screen 11c, the ratio of the length of figure 3 to the length of figure 4 is 1:4. Also, the sum of the length of figure 3 and the length of figure 4 indicates the total amount of 50,000 yen of the balance of account a and the balance of account c. Therefore, the control unit 13 determines the balance after the balance transfer transaction for account a corresponding to FIG. 4 to be 40,000 yen, and the balance after balance transfer transaction for account c corresponding to FIG. decide.

Further, when the balance of the account a after the balance transfer transaction is determined based on the input operation for changing the boundary 6, the control unit 13 indicates the ratio between the balance of the account a and the balance of the account b after the balance transfer transaction. The figures 1 and 2 are displayed on the display unit 11 by changing the boundary 5 to the position. For example, on screen 11c, the length of figure 4 indicates 40,000 yen, so the amount indicated by the length of figure 1 is also changed to 40,000 yen. Also, on the screen 11c, the length of the figure 2 indicates 90,000 yen. Therefore, on the screen 11c, the boundary 5 is displayed at a position where the ratio of the length of the figure 1 and the length of the figure 2 is 4:9.

The automated teller machine 10 of the first embodiment as described above accepts an input operation for designating the sizes of the displayed figures 1 and 2 in the balance transfer transaction between the account a and the account b. Then, the automated teller machine 10 determines the balance of the account a and the balance of the account b after the balance transfer transaction based on the ratio between the size of the graphic 1 and the size of the graphic 2 after the input operation. Thereby, the automated teller machine 10 can allow the user to visually confirm the balance of the balance between the account a and the account b during the balance transfer transaction. Therefore, the automated teller machine 10 can improve the convenience of financial transactions by allowing the user to efficiently balance the balances of the two accounts in balance transfer transactions.

The automated teller machine 10 also displays graphics 1 and 2, which are adjacent bars, and accepts an input operation to change the boundary 5 between the graphics 1 and 2. FIG. Then, the automated teller machine 10 determines the balance of the account a and the balance of the account b after the balance transfer transaction based on the ratio of the length of the graphic 1 and the length of the graphic 2 . Thereby, the automated teller machine 10 allows the user to adjust the balance of the balance between the account a and the account b with a simple operation.

Also, the sum of the length of figure 1 and the length of figure 2 indicates the total amount of the balance of account a and the balance of account b. Here, the automated teller machine 10 may accept an input operation to change the boundary 5 by an integral multiple of the unit representing the predetermined amount. As a result, the automated teller machine 10 allows the user to move the boundary 5 within a predetermined amount of money, and allows the user to efficiently adjust the balance between the account a and the account b.

The automated teller machine 10 also displays graphics 3 and 4 which are adjacent bars, and a boundary 6 which is the boundary between graphics 3 and 4 . After determining the balance of the account a after the balance transfer transaction, the automated teller machine 10 changes the boundary 6 to a position indicating the ratio between the balance of the account a and the balance of the account c after the balance transfer transaction. Thereby, the automated teller machine 10 can allow the user to adjust the balance of the balances of three or more accounts in the balance transfer transaction.

[Second embodiment]
Next, a second embodiment will be described. The second embodiment provides a service that can efficiently execute a transaction for transferring part of the balance of an account to another account using an ATM.

FIG. 2 is a diagram illustrating an example of an information processing system according to the second embodiment. The information processing system of the second embodiment has ATM 100 , host server 200 and database 220 . The ATM 100 is a device that receives an input operation from a user (customer) and executes financial transactions based on the received input. ATM 100 is connected to host server 200 via network 20 . Network 20 may be a wired network or a wireless network. Network 20 may also be a dedicated line. The host server 200 is a server computer for managing a database 220 that stores account information. The host server 200 acquires transaction details from the ATM 100 and updates information stored in the database 220 based on the acquired transaction details. In addition, the information processing system of 2nd Embodiment may have multiple ATMs similar to ATM100.

In the following, a transfer transaction will be described as an example in which the ATM 100 transfers part of the balance of an account to another account, but transactions such as transfer can also be realized by a similar system. .

FIG. 3 is a diagram showing a configuration example of ATM hardware. The ATM 100 is entirely controlled by a processor 101 . A memory 102 and a plurality of peripheral devices are connected to the processor 101 via a bus 108 . Processor 101 may be a multiprocessor. The processor 101 is, for example, a CPU (Central Processing Unit), MPU (Micro Processing Unit), or DSP (Digital Signal Processor). At least part of the functions realized by the processor 101 executing the program may be realized by an electronic circuit such as an ASIC (Application Specific Integrated Circuit) or a PLD (Programmable Logic Device).

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

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

The storage device 103 electrically or magnetically writes data to and reads data from a built-in recording medium. A storage device 103 is used as an auxiliary storage device for the ATM 100 . The storage device 103 stores various data including OS programs, application programs, and transaction history information. As the storage device 103, for example, an HDD (Hard Disk Drive) or an SSD (Solid State Drive) can be used.

Network interface 104 is connected to network 20 . The network interface 104 transmits and receives data to and from the host server 200 via the network 20 .

A display 111 is connected to the display processing unit 105 . The display processing unit 105 causes the screen of the display 111 to display various kinds of information such as operation guidance according to commands from the processor 101 . Examples of the display 111 include a display device using an organic EL (Electro Luminescence), a liquid crystal display device, and the like.

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

Connected to the I/O control unit 107 are a card processing unit 113, a passbook processing unit 114, a coin processing unit 115, a bill processing unit 116, and speakers 117a and 117b. The I/O control unit 107 notifies each connected unit of an instruction from the processor 101 according to instructions from the processor 101 . Also, the I/O control unit 107 notifies the processor 101 of information acquired from each unit via the bus 108 .

The card processing unit 113 controls card intake and ejection. The card processing unit 113 reads magnetically recorded information (account number, etc.) attached to the captured card. The card processing unit 113 can also store the captured card in the card storage area.

The passbook processing unit 114 controls the capture and release of passbooks. In addition, the passbook processing unit 114 reads magnetically recorded information (account number, etc.) attached to the fetched passbook. The passbook processing unit 114 also has a function of printing on a passbook, so that entry into the passbook is possible.

The coin processing unit 115 controls the coin deposit/withdrawal and the opening/closing of the coin entrance/exit door according to instructions from the processor 101 . The banknote processing unit 116 controls banknote deposit/withdrawal and opening/closing of a banknote entrance/exit door according to instructions from the processor 101 . The banknote processing unit 116 has a function of reading banknote types and serial numbers. The banknote processing unit 116 reads the serial numbers of banknotes deposited and withdrawn at the time of deposit/withdrawal, and outputs them to the processor 101 . Speakers 117 a and 117 b output sounds according to the audio signals obtained from processor 101 .

The I/O control unit 107 can read data from the portable recording medium 118 or write data to the portable recording medium 118 . The portable recording medium 118 is, for example, a recording medium such as a DVD (Digital Versatile Disc) or a CD (Compact Disc). The portable recording medium 118 can store transaction history information and the like.

In addition, the automatic transaction apparatus 10 shown in 1st Embodiment can also be implement|achieved by the hardware similar to ATM100 shown in FIG. Also, the processor 101 is an example of the control unit 13 described in the first embodiment. Also, the display 111 is an example of the display unit 11 shown in the first embodiment. Also, the touch panel 112 and the card processing unit 113 are examples of the input section 12 shown in the first embodiment.

The ATM 100 realizes the processing functions of the second embodiment, for example, by executing a program recorded on a computer-readable recording medium. A program describing the contents of processing to be executed by the ATM 100 can be recorded in various recording media. For example, a program to be executed by the ATM 100 can be stored in the storage device 103 . The processor 101 loads at least part of the program in the storage device 103 into the memory 102 and executes the program. A program to be executed by the ATM 100 can also be recorded in the portable recording medium 118 . A program stored in the portable recording medium 118 becomes executable after being installed in the storage device 103 under the control of the processor 101, for example. Alternatively, the processor 101 can read the program directly from the portable recording medium 118 and execute it.

FIG. 4 is a diagram illustrating a configuration example of hardware of the host server. The host server 200 is entirely controlled by a processor 201 . A memory 202 and a plurality of peripheral devices are connected to the processor 201 via a bus 209 . Processor 201 may be a multiprocessor. Processor 201 is, for example, a CPU, MPU, or DSP. At least part of the functions realized by the processor 201 executing the program may be realized by electronic circuits such as ASIC and PLD.

The memory 202 is used as the main storage device of the host server 200 . The memory 202 temporarily stores at least part of an OS program and application programs to be executed by the processor 201 . In addition, the memory 202 stores various data used for processing by the processor 201 . As the memory 202, for example, a volatile semiconductor memory device such as RAM is used.

Peripheral devices connected to the bus 209 include a storage device 203 , a graphics processing device 204 , an input interface 205 , an optical drive device 206 , a device connection interface 207 and a network interface 208 .

The storage device 203 electrically or magnetically writes data to and reads data from a built-in recording medium. The storage device 203 is used as an auxiliary storage device for the computer. The storage device 203 stores OS programs, application programs, and various data. As the storage device 203, for example, an HDD or an SSD can be used.

A monitor 21 is connected to the graphics processing unit 204 . The graphics processing unit 204 displays an image on the screen of the monitor 21 according to instructions from the processor 201 . Examples of the monitor 21 include a display device using organic EL, a liquid crystal display device, and the like.

A keyboard 22 and a mouse 23 are connected to the input interface 205 . The input interface 205 transmits signals sent from the keyboard 22 and mouse 23 to the processor 201 . Note that the mouse 23 is an example of a pointing device, and other pointing devices can also be used. Other pointing devices include touch panels, tablets, touchpads, trackballs, and the like.

The optical drive device 206 reads data recorded on the optical disc 24 using laser light or the like. The optical disc 24 is a portable recording medium on which data is recorded so as to be readable by light reflection. The optical disc 24 includes DVD, DVD-RAM, CD-ROM (Read Only Memory), CD-R (Recordable)/RW (ReWritable), and the like.

The device connection interface 207 is a communication interface for connecting peripheral devices to the host server 200 . For example, the device connection interface 207 can be connected to the memory device 25 and the memory reader/writer 26 . The memory device 25 is a recording medium equipped with a communication function with the device connection interface 207 . The memory reader/writer 26 is a device that writes data to the memory card 27 or reads data from the memory card 27 . The memory card 27 is a card-type recording medium.

Network interface 208 is connected to network 20 . Network interface 208 transmits and receives data to and from other computers or communication devices via network 20 .

The host server 200 can implement the processing functions of the second embodiment with the above hardware configuration. Also, the database 220 is realized by a hardware configuration similar to that of the host server 200 .

The host server 200 implements the processing functions of the second embodiment, for example, by executing a program recorded on a computer-readable recording medium. A program describing the processing content to be executed by the host server 200 can be recorded in various recording media. For example, a program to be executed by the host server 200 can be stored in the storage device 203 . The processor 201 loads at least part of the program in the storage device 203 into the memory 202 and executes the program. The program to be executed by the host server 200 can also be recorded in a portable recording medium such as the optical disk 24, memory device 25, memory card 27, or the like. A program stored in a portable recording medium becomes executable after being installed in the storage device 203 under the control of the processor 201, for example. Alternatively, the processor 201 can read and execute the program directly from the portable recording medium.

Next, the function of ATM100 is demonstrated in detail. FIG. 5 is a block diagram showing an example of ATM functions. ATM 100 has card accepting section 120 , display accepting section 130 and transaction processing section 140 . Card accepting unit 120 , display accepting unit 130 and transaction processing unit 140 are implemented by processor 101 executing a program stored in memory 102 . The card reception unit 120 causes the card processing unit 113 to read the account number from the cash card inserted into the ATM 100 by the customer.

The display reception unit 130 generates a screen for allowing the customer to input information used in the transaction, and causes the display 111 to display the generated screen. In addition, display reception unit 130 receives input from touch panel 112 on the screen displayed on display 111 . For example, the display reception unit 130 causes the display 111 to display a screen for allowing the customer to select the transaction type, and receives selection of the transaction type from the touch panel 112 . Further, for example, the display reception unit 130 causes the display 111 to display a screen including numeric keys for inputting a personal identification number, and receives input of the personal identification number from the touch panel 112 .

Further, the display reception unit 130 causes the display 111 to display a screen (amount setting screen) for allowing the customer to set the balance after the transfer transaction for each of the plurality of accounts in the transfer transaction between the plurality of accounts. For example, the display reception unit 130 generates a screen including a bar indicating the balance of each of the multiple accounts used for the transfer transaction, and causes the display 111 to display the generated screen. Then, the display reception unit 130 receives user input for changing the length of the bar from the touch panel 112, and updates the screen displayed on the display 111 based on the user input.

Transaction processing unit 140 executes a transfer transaction based on information received by card receiving unit 120 and display receiving unit 130 . For example, the transaction processing unit 140 transmits the personal identification number received by the display reception unit 130 and the account number received by the card reception unit 120 to the host server 200, and requests an inquiry of the personal identification number. Also, for example, the transaction processing unit 140 acquires account information corresponding to the account number accepted by the card accepting unit 120 from the host server 200 that manages the account information 221 stored in the database 220 . Also, for example, the transaction processing unit 140 transmits to the host server 200 the balance after the transfer transaction of each account, which is determined based on the length of each bar changed on the amount setting screen, and executes the transaction.

Next, information stored in database 220 will be described in detail. FIG. 6 is a diagram showing an example of account information. The account information 221 has items of account number, personal identification number, and account balance. The account number of the account is registered in the item of account number. The personal identification number of the account is registered in the item of the personal identification number. The account balance of the account is registered in the item of the account balance.

For example, in the account information 221, a record is registered in which the account number field is "11111111", the password field is "1111", and the account balance field is "10,000,000 yen". This indicates that the personal identification number of the account with the account number "11111111" is "1111" and the account balance is "10,000,000 yen".

Next, screens displayed by the ATM 100 in transfer transactions will be described in detail. FIG. 7 is a diagram (part 1) showing an example of the amount setting screen. A money amount setting screen 501 shown in FIG. 7 is an initial screen of the money amount setting screen in a transfer transaction between a plurality of accounts. For example, when the transfer transaction is selected as the transaction type and the authentication of a plurality of accounts used for the transfer transaction is completed, the display reception unit 130 generates the amount setting screen 501 and causes the display 111 to display the amount setting screen 501. . In the example below, the multiple accounts used for transfer transactions are account A with account number "11111111", account B with account number "22222222", account C with account number "33333333", and account D with account number "44444444". is.

The amount setting screen 501 includes sliders 601, 602, 603 and operation keys. A slider 601 is a slider for allowing the customer to adjust the balance of the account A and the account B after the transfer transaction. Slider 601 includes bars 601a, 601b and arrow 601c. Bars 601a and 601b are adjacent, and arrow 601c indicates the position of the boundary between bars 601a and 601b. In the slider 601, the bar 601a is arranged on the left side and the bar 601b is arranged on the right side.

A bar 601a is a bar corresponding to account A. The length of bar 601a indicates the provisionally determined balance of account A after the transfer transaction (provisional balance of account A). The initial value of the provisional balance of the account is the balance of the account before the transfer transaction. Bar 601b is the bar corresponding to account B. The length of bar 601b indicates the interim balance of account B; That is, the sum of the length of the bar 601a and the length of the bar 601b (the length of the slider 601) indicates the total amount of the provisional balance of the account A and the provisional balance of the account B. As an example, if the balance of account A before the transfer transaction is 10,000,000 yen and the balance of account B before the transfer transaction is 5,000,000 yen, the length of bar 601a is the length of slider 601. , and the length of bar 601b is 33% of the length of slider 601.

Also, the slider 601 has a scale in the length direction. A scale width of the scale of the slider 601 indicates a predetermined amount of money. Slider 601 also includes a display of information about account A and account B. For example, the slider 601 includes displays near the bar 601a indicating the account number and provisional balance of account A, such as "account number: 11111111" and "balance: 10,000,000 yen". Also, for example, the slider 601 indicates the ratio of the provisional balance of account A to the sum of the provisional balance of account A and the provisional balance of account B, such as "10,000,000 yen (67%)". Indications are included near bar 601a.

Further, for example, the slider 601 includes displays near the bar 601b indicating the account number and provisional balance of the account B, such as "account number: 22222222" and "balance: 5,000,000 yen". Also, for example, the slider 601 indicates the ratio of the temporary balance of account B to the total of the temporary balance of account A and the temporary balance of account B, such as "5,000,000 yen (33%)". Indications are included near bar 601b. The amount setting screen 501 indicates that the ratio of the provisional balance of each account to the total of the provisional balances of the two accounts is displayed, such as "percentage (%) is displayed according to the balance." May contain an explanatory message.

A slider 602 is a slider for allowing the customer to adjust the balance between the account A and the account C after the transfer transaction. Slider 602 includes bars 602a, 602b and arrow 602c. Bars 602a and 602b are adjacent and arrow 602c indicates the location of the boundaries of bars 602a and 602b. In the slider 602, the bar 602a is arranged on the left side and the bar 602b is arranged on the right side.

Bar 602a is the bar corresponding to Account A. The length of bar 602a indicates the interim balance of account A; Bar 602b is the bar corresponding to Account C. The length of bar 602b indicates the interim balance of account C; That is, the sum of the length of the bar 602a and the length of the bar 602b (the length of the slider 602) indicates the total amount of the provisional balance of the account A and the provisional balance of the account C. As an example, if the balance of account A before the transfer transaction is 10,000,000 yen and the balance of account C before the transfer transaction is 500,000 yen, the length of bar 602a is 95 times the length of slider 602. %, the length of bar 602b is 5% of the length of slider 602;

Also, the slider 602 has a scale in the length direction. A scale width of the scale of the slider 602 indicates a predetermined amount of money. Slider 602 also includes a display of information about account A and account C. For example, the slider 602 includes displays near the bar 602a indicating the account number and provisional balance of the account A, such as "account number: 11111111" and "balance: 10,000,000 yen". Also, for example, the slider 602 indicates the ratio of the provisional balance of account A to the sum of the provisional balance of account A and the provisional balance of account C, such as "10,000,000 yen (95%)". An indication is included near bar 602a.

Further, for example, the slider 602 includes displays near the bar 602b indicating the account number and provisional balance of the account C, such as "account number: 33333333" and "balance: 500,000 yen". Further, for example, the slider 602 displays the ratio of the provisional balance of account C to the total of the provisional balance of account A and account C, such as "500,000 yen (5%)". Include near bar 602b.

A slider 603 is a slider for allowing the customer to adjust the balance of the account A and the account D after the transfer transaction. Slider 603 includes bars 603a, 603b and arrow 603c. Bars 603a and 603b are adjacent, and arrow 603c indicates the position of the boundary between bars 603a and 603b. In the slider 603, the bar 603a is arranged on the left side and the bar 603b is arranged on the right side.

Bar 603a is the bar corresponding to Account A. The length of bar 603a indicates the provisional balance of account A; Bar 603b is the bar corresponding to account D. The length of bar 603b indicates the interim balance of account D. That is, the sum of the length of the bar 603a and the length of the bar 603b (the length of the slider 603) indicates the total amount of the provisional balance of the account A and the provisional balance of the account D. As an example, if the balance of account A before the transfer transaction is 10,000,000 yen and the balance of account D before the transfer transaction is 30,000,000 yen, the length of bar 603a is the length of slider 603. , and the length of bar 603b is 75% of the length of slider 603.

Also, the slider 603 has a scale in the length direction. A scale width of the scale of the slider 603 indicates a predetermined amount of money. Slider 603 also includes a display of information about account A and account D. For example, the slider 603 includes displays near the bar 603a indicating the account number and provisional balance of the account A, such as "account number: 11111111" and "balance: 10,000,000 yen". Also, for example, the slider 603 indicates the ratio of the provisional balance of account A to the sum of the provisional balance of account A and the provisional balance of account D, such as "10,000,000 yen (25%)". An indication is included near bar 603a.

Further, for example, the slider 603 includes displays near the bar 603b indicating the account number and provisional balance of the account D, such as "account number: 44444444" and "balance: 30,000,000 yen". Also, for example, the slider 603 displays the ratio of the balance of account D to the sum of the balance of account A and the provisional balance of account D, such as "30,000,000 yen (75%)". Include near bar 603b.

Operation keys included in the amount setting screen 501 include an amount unit key, a "confirm" key, a "correction" key, and a "cancel" key. The amount unit key is a key for allowing the customer to select the set unit of the transaction amount of the transfer transaction. For example, "percentage unit", "10 million yen unit", "million yen unit", "100000 yen unit", "10000 yen unit", "1000 yen unit", " There is a "one yen unit" key. For example, when the "100,000 yen unit" key is pressed, the sliders 601, 602, and 603 have scales with a scale width of 100,000 yen. Note that the amount setting screen 501 may include a message explaining the amount unit key, such as "To change the transfer transaction amount unit, press the transfer transaction amount unit key."

A "fix" key is a key for fixing the provisional balance of each account to the balance after the transfer transaction. A "correction" key is a key for correcting the amount of the transfer transaction. The amount setting screen 501 includes three "correction" keys corresponding to the sliders 601, 602 and 603, respectively. A "cancel" key is a key for canceling the contents of transactions that have been entered up to this point. On the amount setting screen 501, press the 'transfer transaction amount unit slider (arrow)' and slide it left or right to set the transfer transaction amount, and press the 'confirm' key. If you want to make a correction, press the "Correction" key. '', which describes the key.

As described above, the initial screen of the amount setting screen 501 is the ratio of the initial values of the provisional balances of Account B, Account C, and Account D to the initial value of the provisional balance of Account A, which is the reference account (reference account). is visually represented as a ratio of bar lengths. The display reception unit 130 displays the initial screen of the amount setting screen 501 on the display 111 so that the customer can easily understand the balance between the balance of the standard account before the transfer transaction and the balance of the accounts other than the standard account. can.

Further, the display reception unit 130 receives the customer's operation of the sliders 601, 602, 603 and operation keys included in the amount setting screen 501 from the touch panel 112, and allows the customer to adjust the balance of the provisional balance. For example, the display reception unit 130 receives an operation to change the positions of the arrows 601c, 602c, 603c to the positions of the scales of the sliders 601, 602, 603. FIG. That is, when the scale width of the sliders 601, 602, and 603 indicates 100,000 yen, the display reception unit 130 shifts the positions of the arrows 601c, 602c, and 603c to integral multiples of the length indicating 100,000 yen. Accepts an operation to change to a position separated by the length.

For example, the display reception unit 130 receives from the touch panel 112 a slide operation of sliding the arrows 601c, 602c, and 603c from the positions before the change to the positions after the change, as an input for changing the positions of the arrows 601c, 602c, and 603c. Note that the display reception unit 130 may receive a touch operation of touching the changed positions of the arrows 601c, 602c, and 603c as an input for changing the positions of the arrows 601c, 602c, and 603c. Further, for example, the display reception unit 130 receives depression of an operation key. Below, updating of the amount setting screen 501 by the display reception unit 130 that receives the change operation of the arrows 601c, 602c, and 603c will be described.

FIG. 8 is a diagram (part 2) showing an example of the amount setting screen. The amount setting screen 501 shown in FIG. 8 is obtained by updating the amount setting screen 501 shown in FIG. 7 by the display reception unit 130 that has received an operation to change the position of the arrow 601c. When the display reception unit 130 receives an input to change the position of the arrow 601c to a position where the ratio of the length of the bar 601a and the length of the bar 601b is 50:50, the display reception unit 130 changes the position of the arrow 601c to the length of the bar 601a and the length of the bar 601b. Update to a position where the ratio with the length of 601b is 50:50.

Here, the length of slider 601 indicates the total amount of 15,000,000 yen of the provisional balance of account A and the provisional balance of account B. Since the length of the bar 601a corresponding to account A is 50% of the length of the slider 601, the display reception unit 130 updates the provisional balance of account A to 7,500,000 yen. Also, since the length of the bar 601b corresponding to Account B is 50% of the length of the slider 601, the display reception unit 130 updates the provisional balance of Account B to 7,500,000 yen. Further, display reception unit 130 adds arrow 601 d to slider 601 . The arrow 601d indicates the position of the initial value of the provisional balance of account B (that is, the balance of account B before the transfer transaction).

Since the provisional balance of account A has been updated, display reception unit 130 updates sliders 602 and 603 . The provisional balance of account A is 7,500,000 yen, the provisional balance of account C is 500,000 yen, and the provisional balance of account D is 30,000,000 yen. Therefore, the display reception unit 130 is positioned such that the length of the bar 602a corresponding to account A is 94% of the length of the slider 602, and the length of the bar 602b corresponding to account C is 6% of the length of the slider 602. to update the position of the arrow 602c. In addition, the display reception unit 130 is positioned such that the length of the bar 603a corresponding to account A is 20% of the length of the slider 603, and the length of the bar 603b corresponding to account D is 80% of the length of the slider 603. to update the position of the arrow 603c.

The display reception unit 130 also updates the scales of the sliders 601, 602, and 603 and the display of the information on the accounts A, B, C, and D. For example, the display reception unit 130 updates the display showing the provisional balance of account A to "balance: 7,500,000 yen". Further, for example, the display reception unit 130 updates the display indicating the provisional balance of account B to "balance: 7,500,000 yen". Further, for example, the display reception unit 130 displays the ratio of the provisional balance of account A to the total of the provisional balance of account A and the provisional balance of account B as "7,500,000 yen (50%) ”. Further, for example, the display reception unit 130 displays a display indicating the ratio of the provisional balance of account B to the total of the provisional balance of account A and the provisional balance of account B as “7,500,000 yen (50%) ”.

Further, for example, the display reception unit 130 displays the ratio of the provisional balance of account A to the total of the provisional balance of account A and the provisional balance of account C as “7,500,000 yen (94%) ”. Further, for example, the display reception unit 130 sets the display indicating the ratio of the provisional balance of account C to the total of the provisional balance of account A and the provisional balance of account C to “500,000 yen (6%)”. Update. Further, for example, the display reception unit 130 displays a display indicating the ratio of the provisional balance of account A to the total of the provisional balance of account A and the provisional balance of account D as "7,500,000 yen (20%) ”. Further, for example, the display reception unit 130 displays a display indicating the ratio of the provisional balance of account D to the total of the provisional balance of account A and the provisional balance of account D as "30,000,000 yen (80%) ”.

FIG. 9 is a diagram (part 3) showing an example of the amount setting screen. The amount setting screen 501 shown in FIG. 9 is obtained by updating the amount setting screen 501 shown in FIG. 8 by the display reception unit 130 that has received an operation to change the position of the arrow 602c. When the display reception unit 130 receives an input to change the position of the arrow 602c to a position where the ratio of the length of the bar 602a and the length of the bar 602b is 75:25, the display reception unit 130 changes the position of the arrow 602c to the length of the bar 602a and the length of the bar 602b. Update to a position where the ratio with the length of 602b is 75:25.

Here, the length of slider 602 indicates the total amount of 8,000,000 yen of the provisional balance of account A and the provisional balance of account C. Since the length of the bar 602a corresponding to account A is 75% of the length of the slider 602, the display reception unit 130 updates the provisional balance of account A to 6,000,000 yen. Further, since the length of the bar 602b corresponding to Account C is 25% of the length of the slider 602, the display reception unit 130 updates the provisional balance of Account C to 2,000,000 yen. Further, display reception unit 130 adds arrow 602 d to slider 602 . Arrow 602d indicates the position of the initial value of the provisional balance of account C (that is, the balance of account C before the transfer transaction).

Since the provisional balance of account A has been updated, display reception unit 130 updates sliders 601 and 603 . Account A has a provisional balance of 6,000,000 Yen, Account B has a provisional balance of 7,500,000 Yen, and Account D has a provisional balance of 30,000,000 Yen. Therefore, the display reception unit 130 is positioned such that the length of the bar 601a corresponding to account A is 44% of the length of the slider 601, and the length of the bar 601b corresponding to account B is 56% of the length of the slider 601. to update the position of the arrow 601c. In addition, the display reception unit 130 is positioned such that the length of the bar 603a corresponding to account A is 17% of the length of the slider 603, and the length of the bar 603b corresponding to account D is 83% of the length of the slider 603. to update the position of the arrow 603c.

The display reception unit 130 also updates the scales of the sliders 601, 602, and 603 and the display of the information on the accounts A, B, C, and D. For example, the display reception unit 130 updates the display indicating the provisional balance of account A to "balance: 6,000,000 yen". Further, for example, the display reception unit 130 updates the display showing the provisional balance of account C to "balance: 2,000,000 yen". Further, for example, the display reception unit 130 displays a display indicating the ratio of the provisional balance of account A to the total of the provisional balance of account A and the provisional balance of account B as “6,000,000 yen (44%) ”. Further, for example, the display reception unit 130 displays the display indicating the ratio of the provisional balance of account B to the total of the provisional balance of account A and the provisional balance of account B as "7,500,000 yen (56%) ”.

Further, for example, the display reception unit 130 displays the ratio of the provisional balance of account A to the total of the provisional balance of account A and the provisional balance of account C as “6,000,000 yen (75%) ”. Further, for example, the display reception unit 130 displays a display indicating the ratio of the provisional balance of account C to the total of the provisional balance of account A and the provisional balance of account C as "2,000,000 yen (25%) ”. In addition, for example, the display reception unit 130 displays the ratio of the provisional balance of account A to the total of the provisional balance of account A and the provisional balance of account D as “6,000,000 yen (17%) ”. Further, for example, the display reception unit 130 displays a display indicating the ratio of the provisional balance of account D to the total of the provisional balance of account A and the provisional balance of account D as “30,000,000 yen (83%) ”.

As described above, the display reception unit 130 displays the provisional balances of the accounts A, B, C, and D and the sliders 601, 602, and 603 based on the customer's operation to change the positions of the arrows 601c, 602c, and 603c. to update. The display reception unit 130 can visually represent the balance of the provisional balance using the sliders 601, 602, and 603 so that the customer can easily understand it. In addition, the display reception unit 130 can allow the customer to adjust the balance of the provisional balance by a simple operation of changing the positions of the arrows 601c, 602c, and 603c.

By the way, in a transfer transaction in which one transfer source account and one transfer destination account are specified and then the input of the transfer amount is received, if there are multiple accounts to be transferred, the transfer transaction is executed multiple times. be. On the other hand, the display reception unit 130 receives designation of balances after transfer transactions for a plurality of accounts. Therefore, the display reception unit 130 can streamline the execution of transfer transactions.

In addition, in a transfer transaction in which input of the transfer amount is accepted after 1 source account and 1 destination account are specified, the balance will be transferred from the account specified as the transfer destination to the account specified as the transfer source. Transactions that move are not executed. On the other hand, the display reception unit 130 determines the transfer source and the transfer destination based on the changed positions of the arrows 601c, 602c, and 603c. Therefore, the display reception unit 130 allows the customer to flexibly change the transfer source and the transfer destination.

Next, updating of the amount setting screen 501 by the display reception unit 130 that receives the pressing of the amount unit key will be described.
FIG. 10 is a diagram (part 4) showing an example of the amount setting screen. The amount setting screen 501 shown in FIG. 10 is the amount setting screen 501 shown in FIG. 7 updated by the display reception unit 130 that has received the pressing of the “million yen unit” key. When the display accepting unit 130 accepts the pressing of the "million yen unit" key, the scales of the sliders 601, 602, 603 are updated to indicate a scale width of 1,000,000 yen. In other words, display accepting unit 130 accepts an operation to change the positions of arrows 601c, 602c, and 603c to positions separated by integral multiples of the length indicating 1,000,000 yen.

FIG. 11 is a diagram (No. 5) showing an example of the amount setting screen. The amount setting screen 501 shown in FIG. 11 is the amount setting screen 501 shown in FIG. 7 updated by the display reception unit 130 having received the pressing of the "percentage unit" key. When the display reception unit 130 receives the pressing of the "percent unit" key, the scales of the sliders 601, 602, 603 are updated to scales whose width indicates 1% of the amount indicated by the length of the sliders 601, 602, 603. do.

The display reception unit 130 updates the scale of the slider 601 to indicate a scale width of 150,000 yen. In other words, display accepting unit 130 accepts an operation to change the position of arrow 601c to a position separated by an integral multiple of the length indicating 150,000 yen. In addition, the display reception unit 130 updates the scale of the slider 602 to a scale indicating a scale width of 105,000 yen. In other words, display accepting unit 130 accepts an operation to change the position of arrow 602c to a position separated by an integral multiple of the length indicating 105,000 yen. In addition, the display reception unit 130 updates the scale of the slider 603 to a scale indicating a scale width of 400,000 yen. In other words, display accepting unit 130 accepts an operation to change the position of arrow 603c to a position separated by an integral multiple of the length indicating 400,000 yen.

As described above, the display reception unit 130 updates the scales of the sliders 601, 602, and 603 based on the pressing of the amount unit key by the customer. Thereby, the display reception unit 130 can allow the customer to select the width to move the arrows 601c, 602c, 603c. Therefore, the display reception unit 130 can allow the customer to efficiently adjust the balance of the account balance.

FIG. 12 is a diagram showing an example of an amount determination screen. The amount confirmation screen 502 is a screen for the customer to confirm the provisional balance set on the amount setting screen 501 and to confirm the transaction. The display reception unit 130 causes the display 111 to display an amount determination screen 502 when the pressing of the “confirm” key is received on the amount setting screen 501 .

The amount determination screen 502 includes, for example, displays of pre-transaction balances and provisional balances (post-transaction balances) of each of Account A, Account B, Account C, and Account D. The amount confirmation screen 502 includes a message for prompting the customer to confirm the transaction, such as "The transaction will be executed with the following contents. Please confirm."

The amount confirmation screen 502 also includes a "confirm" key and a "cancel" key. The “confirm” key is for confirming the transaction with the transaction details displayed on the amount confirmation screen 502 . When the “confirm” key is pressed, the transaction processing unit 140 executes the transaction with the transaction details displayed on the amount confirmation screen 502 . A "cancel" key is a key for canceling the contents of transactions that have been entered up to this point.

The procedure of transfer transaction processing by the ATM 100 will be described in detail below. FIG. 13 is a flowchart (part 1) showing an example of transfer transaction processing. The processing shown in FIG. 13 will be described below along with the step numbers.

[Step S<b>11 ] The display reception unit 130 causes the display 111 to display a screen for allowing the customer to select a transaction type, and receives selection of a transaction type from the touch panel 112 .
[Step S<b>12 ] The card accepting unit 120 determines whether or not a card has been inserted into the ATM 100 . For example, when the card reception unit 120 detects that the card has been inserted into the ATM 100 within a predetermined period of time, the card reception unit 120 determines that the card has been inserted into the ATM 100 . When the card reception unit 120 determines that the card has been inserted into the ATM 100, the process proceeds to step S13. If the card reception unit 120 determines that the card has not been inserted into the ATM 100, the processing ends.

[Step S13] The card reception unit 120 causes the card processing unit 113 to read the account number from the card inserted into the ATM 100 by the customer.
[Step S14] The display reception unit 130 receives an input of a personal identification number. For example, display reception unit 130 causes display 111 to display a screen including numeric keys for inputting a personal identification number, and receives input of a personal identification number from touch panel 112 .

[Step S15] The transaction processing unit 140 determines whether or not the personal identification number input in step S14 was successful. For example, the transaction processing unit 140 transmits the account number received in step S13 and the personal identification number received in step S14 to the host server 200, and requests an inquiry of the personal identification number. When the host server 200 notifies the transaction processing unit 140 that the personal identification number is correct, the transaction processing unit 140 determines that the personal identification number was entered correctly. If the transaction processing unit 140 determines that the personal identification number input was normal, the process proceeds to step S16. If the transaction processing unit 140 determines that the personal identification number was not entered correctly, the process proceeds to step S38.

[Step S16] The display accepting unit 130 determines whether or not to accept another card. For example, the display reception unit 130 causes the display 111 to display a screen for allowing the customer to select whether or not to insert a card. Then, when the display reception unit 130 receives from the touch panel 112 the customer's selection indicating that another card is to be inserted, the display reception unit 130 determines to accept another card. When the display accepting unit 130 determines to accept another card, the process proceeds to step S17. If the display accepting unit 130 determines not to accept any more cards, the process proceeds to step S18.

[Step S17] The card accepting section 120 causes the card processing unit 113 to release a card. Then, the process proceeds to step S12.
[Step S18] The transaction processing unit 140 acquires account information corresponding to the account number received in step S13 from the host server 200 that manages the account information 221. FIG. For example, the transaction processing unit 140 acquires from the host server 200 the balance of the account corresponding to the account number received in step S13. When step S13 is executed multiple times, the transaction processing unit 140 acquires from the host server 200 the balances of multiple accounts corresponding to the account numbers received in step S13 multiple times. Here, as an example, the transaction processing unit 140 acquires the balances of Account A, Account B, Account C, and Account D from the host server 200 .

[Step S<b>19 ] The display reception unit 130 causes the display 111 to display the amount setting screen 501 .
FIG. 14 is a flowchart (part 2) showing an example of transfer transaction processing. The processing shown in FIG. 14 will be described below according to the step numbers.

[Step S20] The display reception unit 130 acquires the transaction unit X. For example, the display reception unit 130 acquires, as the transaction unit X, the amount indicated by the amount unit key pressed on the amount setting screen 501 .

[Step S21] The display reception unit 130 updates the scales of the sliders 601, 602, and 603 displayed on the amount setting screen 501 to scale widths corresponding to the transaction unit X acquired in step S20.

[Step S22] The display reception unit 130 determines whether or not a slide operation for the arrows 601c, 602c, 603c of the sliders 601, 602, 603 has been received. When the display reception unit 130 determines that the slide operation for the arrows 601c, 602c, and 603c has been received, the process proceeds to step S23. If the display reception unit 130 determines that an operation other than the slide operation has been received, the process proceeds to step S31.

[Step S23] The display reception unit 130 updates the display of the operated slider (for example, the slider 601). For example, the display reception unit 130 updates the position of the arrow 601c to the position designated by the slide operation. In addition, display reception unit 130 updates the lengths of bars 601a and 601b according to the updated position of arrow 601c.

[Step S24] The display reception unit 130 determines whether or not the slide operation received in step S22 was a left slide operation. When the display reception unit 130 determines that the left slide operation has been received, the process proceeds to step S25. Moreover, when the display reception unit 130 determines that the right slide operation has been received, the process proceeds to step S27.

[Step S25] The display reception unit 130 updates the provisional balance of the reference account. For example, when receiving an operation to move the position of the arrow 601c to the left by the scale number N, the display reception unit 130 subtracts (transaction unit X)×(scale number N) from the provisional balance of the account A.

[Step S26] The display reception unit 130 updates the provisional balance of the account (counterpart account) other than the reference account corresponding to the operated slider. For example, when receiving an operation to move the position of the arrow 601c to the left by the scale number N, the display reception unit 130 adds (transaction unit X)×(scale number N) to the provisional balance of the account B. Then, the process proceeds to step S29.

[Step S27] The display reception unit 130 updates the provisional balance of the reference account. For example, when receiving an operation to move the position of the arrow 601c to the right by the scale number N, the display reception unit 130 adds (transaction unit X)×(scale number N) to the provisional balance of the account A.

[Step S28] The display reception unit 130 updates the provisional balance of the other party's account corresponding to the operated slider. For example, when the display reception unit 130 receives an operation to move the position of the arrow 601c to the right by the scale number N, the display reception unit 130 subtracts (transaction unit X)×(scale number N) from the provisional balance of the account B.

[Step S29] The display reception unit 130 updates the display of sliders other than the operated slider. For example, the display reception unit 130 moves the position of the arrow 602c to a position where the ratio between the length of the bar 602a and the length of the bar 602b is equal to the ratio between the updated provisional balance of account A and the provisional balance of account C. Update. In addition, display reception unit 130 updates the lengths of bars 602a and 602b in accordance with the updated position of arrow 602c. In addition, the display reception unit 130 moves the position of the arrow 603c to a position where the ratio between the length of the bar 603a and the length of the bar 603b is equal to the ratio between the updated provisional balance of the account A and the provisional balance of the account D. Update. In addition, display reception unit 130 updates the lengths of bars 603a and 603b in accordance with the updated position of arrow 603c.

[Step S30] The display reception unit 130 updates the display of the provisional balance of each account. For example, the display reception unit 130 updates the displays of the temporary balances of account A, account B, account C, and account D included in sliders 601 , 602 , and 603 . Then, the process proceeds to step S20.

FIG. 15 is a flowchart (part 3) showing an example of transfer transaction processing. The processing shown in FIG. 15 will be described below according to the step numbers.
[Step S31] The display reception unit 130 determines whether or not a depression of the "correction" key has been received. When the display reception unit 130 determines that the pressing of the “correction” key has been received, the process proceeds to step S32. If the display reception unit 130 determines that an operation other than pressing of the "correction" key has been received, the process proceeds to step S35.

[Step S32] The display reception unit 130 changes the arrow of the slider corresponding to the "correction" key whose depression has been received to the initial position. For example, when the display reception unit 130 receives pressing of the “correction” key corresponding to the slider 601, the position of the arrow 601c is updated to the position of the arrow 601d. Display reception unit 130 updates the lengths of bars 601a and 601b in accordance with the updated position of arrow 601c. Then, the display reception unit 130 updates the provisional balance of the account A by multiplying the sum of the provisional balances of the account A and the provisional balance of the account B by the ratio of the length of the bar 601a to the length of the slider 601. do. In addition, the display reception unit 130 updates the provisional balance of the account B by multiplying the sum of the provisional balance of the account A and the provisional balance of the account B by the ratio of the length of the bar 601b to the length of the slider 601. do.

[Step S33] The display reception unit 130 updates the sliders other than the slider corresponding to the "correction" key whose depression has been received. For example, the display reception unit 130 moves the position of the arrow 602c to a position where the ratio between the length of the bar 602a and the length of the bar 602b is equal to the ratio between the updated provisional balance of account A and the provisional balance of account C. Update. In addition, display reception unit 130 updates the lengths of bars 602a and 602b in accordance with the updated position of arrow 602c. Further, the display reception unit 130 moves the position of the arrow 603c to a position where the ratio between the length of the bar 603a and the length of the bar 603b is equal to the ratio between the updated provisional balance of the account A and the provisional balance of the account D. Update. In addition, display reception unit 130 updates the lengths of bars 603a and 603b in accordance with the updated position of arrow 603c.

[Step S34] The display reception unit 130 updates the display of the provisional balance of each account. For example, the display reception unit 130 updates the displays of the temporary balances of account A, account B, account C, and account D included in sliders 601 , 602 , and 603 . Then, the process proceeds to step S20.

[Step S35] The display reception unit 130 determines whether or not a depression of the "confirm" key has been received. When the display reception unit 130 determines that the depression of the “confirm” key has been received, the process proceeds to step S36. If the display reception unit 130 determines that the pressing of the “cancel” key has been received or timed out, the process proceeds to step S38.

[Step S36] The display reception unit 130 determines whether or not the details of the transaction have been finalized. For example, the display reception unit 130 causes the display 111 to display the amount determination screen 502 . Then, the display reception unit 130 determines that the contents of the transaction are confirmed when the pressing of the "confirm" key is received on the amount confirmation screen 502, and determines that the contents of the transaction are confirmed when the pressing of the "cancel" key is received. determined that it was not. When the display reception unit 130 determines that the transaction details have been finalized, the process proceeds to step S37. If the display reception unit 130 determines that the transaction details have not been confirmed, the process proceeds to step S20.

[Step S37] The transaction processing unit 140 fixes the provisional balances of the multiple accounts used for the transfer transaction to the balances after the transfer transaction, and executes the transfer transaction. For example, the transaction processing unit 140 transmits the balances of Account A, Account B, Account C, and Account D after transfer transactions to the host server 200 . Then, the transaction processing unit 140 causes the host server 200 to update the balances of Account A, Account B, Account C, and Account D stored in the account information 221 to the balances after the transmitted transfer transaction.

[Step S38] The card accepting section 120 causes the card processing unit 113 to release the card.
[Step S39] The card accepting unit 120 determines whether or not the card has been returned. For example, when the card reception unit 120 detects that the card released by the card processing unit 113 has been removed within a predetermined time, it determines that the card has been returned. When the card accepting unit 120 determines that the card has been returned, the process ends. When card accepting unit 120 determines that the card has not been returned, the process proceeds to step S40.

[Step S40] The card accepting section 120 causes the card processing unit 113 to collect the released card, and moves the card to the storage area.
Thus, the ATM 100 can visually represent the balance of the temporary balances of the accounts A, B, C, and D on the amount setting screen 501 so that the customer can easily understand. The ATM 100 updates the temporary balances and sliders 601, 602, 603 of Account A, Account B, Account C, and Account D based on the customer's operation to change the positions of arrows 601c, 602c, and 603c. As a result, the ATM 100 allows the customer to adjust the balance of the provisional balance by a simple operation of changing the positions of the arrows 601c, 602c, and 603c. Then, the ATM 100 determines the provisional balance after balance adjustment by the customer as the post-transaction balance, and executes the transaction. In this way, the ATM 100 allows customers to efficiently balance the post-transaction balances of multiple accounts.

According to the second embodiment, the ATM 100 displays a bar 601a corresponding to Account A and a bar 601b corresponding to Account B. FIG. The ATM 100 accepts an input operation specifying the lengths of the bars 601a and 601b, and determines the provisional balances of the accounts A and B based on the ratio between the lengths of the bars 601a and 601b. As a result, the ATM 100 allows the customer to efficiently balance the provisional balances of the two accounts, thereby improving the convenience of financial transactions.

The ATM 100 accepts an input operation to change the position of an arrow 601c that is the boundary between the bars 601a and 601b as an input operation to change the lengths of the bars 601a and 601b. As a result, the ATM 100 allows the customer to adjust the balance between the temporary balances of the accounts A and B with a simple operation.

The length of the slider 601 indicates the total amount of the provisional balance of the account A and the provisional balance of the account B, and the ATM 100 moves the position of the arrow 601c by an integer multiple of the length indicating the predetermined amount. accepts input operations to As a result, the ATM 100 allows the customer to efficiently adjust the balance between the temporary balances of the accounts A and B.

ATM 100 also displays sliders 602 and 603 that are changed based on the change in slider 601 . When the provisional balance of account A is updated, the ATM 100 changes the position of arrow 602c to a position indicating the ratio of the updated provisional balance of account A to the provisional balance of account C. Also, the ATM 100 changes the position of the arrow 603c to a position indicating the updated ratio between the updated provisional balance of the account A and the provisional balance of the account D. As a result, the ATM 100 can allow the customer to adjust the balance of the provisional balances of three or more accounts in transfer transactions.

[Third Embodiment]
Next, a third embodiment will be described. The third embodiment provides a service capable of efficiently executing transfer transactions through Internet banking using the same screen as in the second embodiment.

FIG. 16 is a diagram illustrating an example of an information processing system according to a third embodiment; The information processing system of the third embodiment has database 220 , Internet banking server 300 and user terminal 400 . Internet banking server 300 is a server computer that provides Internet banking.

Internet banking server 300 accepts a login from a user who operates user terminal 400 . The Internet banking server 300 acquires from the user terminal 400 transaction details of transactions using the account of the user whose login has been accepted, and updates the account information 221 stored in the database 220 based on the acquired transaction details. Internet banking server 300 is connected to user terminal 400 via network 30 . Network 30 is, for example, the Internet.

The user terminal 400 is a terminal device operated by a user who uses Internet banking. The user terminal 400 determines transaction details according to the user's operation, and transmits them to the Internet banking server 300 . Note that the information processing system according to the third embodiment may have a plurality of user terminals similar to the user terminal 400 .

Internet banking server 300 and user terminal 400 used in the third embodiment are implemented by the hardware configuration of FIG. 4, similar to host server 200 in the second embodiment. Note that the user terminal 400 may be a smart phone, a tablet terminal, or the like.

Next, the functions of Internet banking server 300 will be described in detail. FIG. 17 is a block diagram showing an example of functions of an Internet banking server. Internet banking server 300 has storage unit 320 , transaction processing unit 330 and screen information generation unit 340 . Storage unit 320 is implemented using the memory of Internet banking server 300 or the storage area of a storage device. Transaction processing unit 330 and screen information generating unit 340 are implemented by the processor of internet banking server 300 executing a program stored in the memory of internet banking server 300 .

The storage unit 320 stores user information 321 . The user information 321 records information of users who use Internet banking. The transaction processing unit 330 executes transaction processing by internet banking. Transaction processing unit 330 acquires an ID and a password from user terminal 400 . The transaction processing unit 330 then refers to the user information 321 to determine whether or not the password corresponding to the acquired ID matches the acquired password, and permits login if they match.

Also, the transaction processing unit 330 refers to the account information 221 stored in the database 220 and acquires the account information of the logged-in user. Also, the transaction processing unit 330 acquires transaction information from the user terminal 400 and executes the transaction. The screen information generation unit 340 generates screen information for displaying the amount setting screen 501 on the user terminal 400 based on the account information of the logged-in user acquired by the transaction processing unit 330 . The screen information includes information for causing the user terminal 400 to execute the same processing as the display reception unit 130 shown in the second embodiment.

Next, information stored in Internet banking server 300 will be described in detail. FIG. 18 is a diagram showing an example of user information. The user information 321 has items of ID, password and account number. User IDs are registered in the ID item. A user's login password is registered in the password field. The account number of the user's account is registered in the item of account number. Note that a plurality of account numbers may be registered in the account number item.

For example, in the user information 321, a record is registered in which the ID item is "00001", the password item is "12345678", and the account number items are "11111111", "22222222", "33333333", and "44444444". be. This indicates that the login password of the user whose ID is "00001" is "12345678". A user whose ID is "00001" has account A with account number "11111111", account B with account number "22222222", account C with account number "33333333", and account D with account number "44444444". indicates that

The procedure of transfer transaction processing by the Internet banking server 300 will be described in detail below. FIG. 19 is a flow chart showing another example of transfer transaction processing. The processing shown in FIG. 19 will be described below along with the step numbers.

[Step S<b>51 ] The transaction processing unit 330 accepts login from the user terminal 400 . For example, transaction processing unit 330 acquires an ID and a password from user terminal 400 .

[Step S52] The transaction processing unit 330 determines whether or not the login from the user terminal 400 is normal. The transaction processing unit 330 refers to the user information 321, and determines that the login is normal when the password corresponding to the ID obtained in step S51 matches the password obtained in step S51. If the transaction processing unit 330 determines that the login is normal, the process proceeds to step S53. If the transaction processing unit 330 determines that the login is not normal, the transaction processing unit 330 ends the process.

[Step S53] The transaction processing unit 330 acquires account information of the logged-in user. For example, the transaction processing unit 330 acquires from the user information 321 the account number corresponding to the ID acquired in step S51. Then, transaction processing unit 330 acquires the balance of the account corresponding to the acquired account number from account information 221 . Here, as an example, the transaction processing unit 330 acquires the balances of Account A, Account B, Account C, and Account D from the account information 221 .

[Step S54] The screen information generator 340 generates screen information based on the account balance obtained in step S53. The screen information includes information for displaying the amount setting screen 501 on the user terminal 400 . The screen information also includes information for causing the user terminal 400 to execute the update processing of the amount setting screen 501 executed by the display reception unit 130 in the second embodiment. For example, the screen information includes the processing executed by the display reception unit 130 in steps S20 to S36 of the second embodiment written in JavaScript (registered trademark) or the like.

[Step S<b>55 ] The transaction processing section 330 transmits the screen information generated in step S<b>54 to the user terminal 400 .
[Step S<b>56 ] The transaction processing unit 330 acquires transaction information from the user terminal 400 . For example, the transaction processing unit 330 acquires, as transaction information, the balances after transfer transactions of accounts A, B, C, and D determined by operating the amount setting screen 501 displayed on the user terminal 400. do.

[Step S57] The transaction processing unit 330 executes a transaction based on the transaction information acquired from the user terminal 400 in step S56. For example, the transaction processing unit 330 updates the balances of Account A, Account B, Account C, and Account D stored in the account information 221 to the balances after the transfer transaction obtained from the user terminal 400 in step S56.

Thus, the Internet banking server 300 generates screen information for displaying the amount setting screen 501 on the user terminal 400 and transmits the generated screen information to the user terminal 400 . The user terminal 400 can allow the user to adjust the balance of account A, account B, account C, and account D after the transaction by executing the same process as the process by the ATM 100 of the second embodiment. can. Then, the Internet banking server 300 acquires the post-transaction balances of the accounts A, B, C, and D from the user terminal 400, and executes the transactions. Therefore, the Internet banking server 300 can efficiently transfer balances for users using Internet banking.

According to the third embodiment, Internet banking server 300 generates screen information and transmits it to user terminal 400 . Based on this screen information, the user terminal 400 can display an amount setting screen 501 including a bar 601a corresponding to account A and a bar 601b corresponding to account B. FIG. Also, the user terminal 400 can accept an input operation to specify the lengths of the bars 601a and 601b. In addition, the user terminal 400 can determine the balance of the account A and the balance of the account B after the transaction based on the ratio between the length of the bar 601a and the length of the bar 601b at the time of transfer transaction. Therefore, the Internet banking server 300 can efficiently balance the provisional balances of the two accounts for users using Internet banking, thereby improving the convenience of financial transactions.

Although the embodiment has been exemplified above, the configuration of each part shown in the embodiment can be replaced with another one having the same function. Also, any other components or steps may be added. Furthermore, any two or more configurations (features) of the above-described embodiments may be combined.

1, 2, 3, 4 figure 5, 6 boundary 10 automatic transaction device 11 display unit 11a, 11b, 11c screen 12 input unit 13 control unit

Claims (7)

a display unit;
an input unit through which a user can input information and operations;
At least part of the balance of either one of the first account and the second account specified based on the input information from the input unit, to the other one of the first account and the second account receiving an input operation from the input unit, and inputting a first figure corresponding to the first account and a second figure corresponding to the second account to the input operation at the time of transaction including movement; display on the display unit in the size specified based on the size of the first figure and the ratio between the balance of the first account and the balance of the second account after the transaction. a control unit that determines the ratio of the size of the two figures ;
automatic transaction device. The control unit causes the display unit to display the first graphic that is a bar and the second graphic that is a bar adjacent to each other, and changes the boundary between the first graphic and the second graphic. receiving the input operation , and converting the ratio of the balance of the first account after the transaction to the balance of the second account to the ratio of the size of the first graphic to the size of the second graphic decide,
The automatic transaction device according to claim 1. The sum of the length of the first graphic and the length of the second graphic indicates the total amount of the balance of the first account and the balance of the second account,
The control unit receives from the input unit the input operation of changing the boundary between the first graphic and the second graphic by an integral multiple of a unit indicating a predetermined amount of money.
The automatic transaction device according to claim 2. a display unit;
an input unit through which a user can input information and operations;
At least part of the balance of either one of the first account and the second account specified based on the input information from the input unit, to the other one of the first account and the second account causing the display unit to display a first figure that is a bar corresponding to the first account and a second figure that is a bar corresponding to the second account during a transaction including movement; , receiving an input operation from the input unit for changing the boundary between the first graphic and the second graphic, based on the ratio between the length of the first graphic and the length of the second graphic; to determine the balance of the first account and the balance of the second account after the transaction, and a third figure that is a bar corresponding to the third account identified based on the input information and the When a fourth figure, which is a bar corresponding to the first account, is displayed adjacently on the display unit and the balance of the first account after the transaction is determined based on the input operation, after the transaction changing the boundary between the third graphic and the fourth graphic to a position indicating the ratio between the balance of the first account and the balance of the third account of a control unit for displaying the figure of 4 on the display unit ;
automatic transaction device. to automatic transaction equipment,
At least part of the balance of either the first account or the second account specified based on the input information from the input unit in which the user can input information and operation is transferred to the first account and the second account. Accepting an input operation from the input unit at the time of transaction including moving to the other one of the accounts of 2,
causing a display unit to display a first figure corresponding to the first account and a second figure corresponding to the second account in a size specified based on the input operation;
Determine the ratio between the balance of the first account and the balance of the second account after the transaction as the ratio between the size of the first graphic and the size of the second graphic;
An automated trading program that allows you to carry out a transaction. automatic transaction equipment
At least part of the balance of either the first account or the second account specified based on the input information from the input unit in which the user can input information and operation is transferred to the first account and the second account. Accepting an input operation from the input unit at the time of transaction including moving to the other one of the accounts of 2,
causing a display unit to display a first figure corresponding to the first account and a second figure corresponding to the second account in a size specified based on the input operation;
Determine the ratio between the balance of the first account and the balance of the second account after the transaction as the ratio between the size of the first graphic and the size of the second graphic;
automated trading method. screen information in which a first graphic corresponding to a first account and a second graphic corresponding to a second account are displayed in a size specified based on an input operation, wherein the first account and at the time of a transaction including transferring at least part of the balance of either one of the second accounts to the other one of the first account and the second account , the second account after the transaction; A processing unit that generates the screen information for determining the ratio between the balance of the first account and the balance of the second account as the ratio between the size of the first graphic and the size of the second graphic ,
A server with

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