JPH1173467A - Automatic transaction device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To obtain an automatic transaction device capable of easily confirming transaction contents by a user by providing a means which sends the contents of a transaction that a customer has done on the automatic transaction device by electronic mail to a previously set electronic mail address through an electronic mail communication network. SOLUTION: A host computer/to which plural automatic transaction devices 1 are connected and which performs various financial transaction processings is provided. Then the contents of the transaction that the customer has done on the automatic transaction device 1 are sent as an electronic mail to the preset electronic mail address from another device having a function for communication with the host computer 2 or automatic transaction device 1 connected to the electronic mail communication network through the electronic mail communication network. Therefore, the customer reads the electronic mail of the sent transaction contents to know transaction data on his or her personal computer and can very easily rearrange the contents of the transaction.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic transaction apparatus for a financial institution or the like, and more particularly to a reference to the transaction history.

[0002]

2. Description of the Related Art Conventionally, in order to refer to a transaction history which a customer has dealt with an automatic transaction device so far, the customer records the transaction with an automatic transaction device or a dedicated bookkeeping machine, or writes a transaction statement by the automatic transaction device every time. I had to keep everything and refer to it. Also, when the customer needs to communicate the details of the transaction to somebody, the customer has to use a telephone or the like to communicate by himself.

[0003]

However, the history of transactions dealt with the conventional automatic transaction device is based on the fact that the customer takes the passbook to a transaction institution such as a financial institution and trades the passbook with the automatic transaction device or a dedicated bookkeeping machine. There was a problem that it had to record the history and took time and effort. In addition, some customers do not readily register, so if there is a large number of unrecorded transaction histories, it is necessary to notify the customer of the fact that the transaction data will be consolidated,
There was a problem that expenses were wasted.

[0004]

An automatic transaction apparatus according to the present invention is an automatic transaction apparatus which is connected to a host computer and performs various financial transactions by the operation of a customer. A host computer connected to the e-mail communication network or another device having a communication function with the automatic transaction device connected to the e-mail communication network transmits an e-mail to a preset e-mail address via the e-mail communication network. It is provided with a means for transmitting the mail.

[0005]

BEST MODE FOR CARRYING OUT THE INVENTION

Embodiment 1 FIG. FIG. 1 is a configuration diagram illustrating a system configuration according to Embodiment 1 of the present invention. In the figure, reference numeral 1 denotes an automatic transaction device for performing financial transactions such as deposits and withdrawals by a customer, and 2 denotes a host computer to which a plurality of automatic transaction devices 1 are connected to perform various financial transaction processes.

FIG. 2 is an external view showing the external appearance of the automatic transaction apparatus 1, FIG. 3 is a configuration diagram showing the configuration of the automatic transaction apparatus 1, and FIG. 4 is a configuration diagram showing the configuration of the host computer 2. In the figure, 10 is a customer operation display section, 11 is a passbook entry section, 1
2 is a card reader printer, 13 is a bill receiving / dispensing unit, 14
Is a coin depositing / dispensing unit, 20 is a main control unit that controls the automatic transaction apparatus 1 in general, 21 is an interface unit that exchanges data with the host computer 2, 22 is a main storage device of the automatic transaction apparatus 1, and 30 is a host. A control unit 31 for controlling the computer 1, 31 is an interface unit A for exchanging data with the automatic transaction apparatus 1, 32 is connected to an e-mail communication network, and an interface unit B for exchanging data by e-mail is 33 The main storage device stores the account number, balance, etc.

Next, the operation of this embodiment will be described. FIGS. 5 and 6 are flowcharts showing the operation of this embodiment. Here, the operation when the customer selects the payment transaction will be described. First, various transaction selection screens are displayed on the customer operation display section 10 of the automatic transaction apparatus 1, and the customer selects a transaction from the customer operation display section 10 of the automatic transaction apparatus 1 based on the display (S1). . And
The automatic transaction apparatus 1 determines whether or not a payment transaction has been selected (S2). If it is determined in S2 that the payment transaction has not been selected, the process proceeds to another transaction process, and the payment transaction is selected in S2. If it is determined that the transaction card has been inserted, the customer operation display unit 10 guides the customer to insert the transaction card into the card reader printer 12 (S3).

When the transaction card is inserted by the guidance in S3, the information of the transaction card is read (S3).
4) The customer is required to input a personal identification number and a payment amount from the customer operation display unit 10 (S5), and the main control unit 22 of the automatic transaction apparatus 1 inputs and outputs transaction card information data via the interface unit 21. The transmitted personal identification number and payment amount are transmitted to the host computer 2 (S6).

The host computer 2 transmits the data transmitted from the automatic transaction apparatus 1 to the interface unit A.
31 (S7), and checks the received customer's account number, personal identification number, payment amount, and the like against the customer's balance and personal identification number stored in the main storage device 22 of the host computer 2 ( S8) It is determined whether payment is possible based on the result of the check in S8 (S9).

If it is determined that payment is possible in S9,
The host computer 2 transmits a withdrawal instruction to the automatic transaction apparatus 1 via the interface unit 31 of the host computer (S10). Then, the automatic transaction device 1 receives the withdrawal instruction transmitted from the host computer 2 via the interface unit 21 (S1).
1).

The main controller 22 of the automatic transaction apparatus 1
Issues a withdrawal instruction to the banknote depositing / dispensing unit 13 (S1).
2), the banknote pay-in / pay-out section 13 counts out payments (S13),
Transaction card and statement from card reader printer 12,
The bill is output from the bill receiving / dispensing unit 13 to the customer (S1).
4). Then, it is confirmed that the customer has received the transaction card, the statement slip, and the bill (S15), and after confirming that the customer has received the transaction card in S15, the main control unit 20 of the automatic transaction apparatus 1 sends the host card via the interface unit 21 to the host. A transaction completion notification is transmitted to the computer 2 (S16).

The host computer 2 receives the transaction completion notification transmitted from the automatic transaction apparatus 1 via the interface unit A31 (S17), and receives the account information stored in the main storage device 33 of the host computer 2. Using the data indicating the correspondence between the number and the e-mail address, the e-mail address to be transmitted is searched from the received account number (S18), and the transaction content of the customer is entered via the interface B32 of the host computer 2. Is transmitted to the e-mail address searched in S18 (S19).

If it is determined in S9 that payment is impossible,
The host computer 2 transmits an instruction to re-enter the payment amount to the automatic transaction apparatus 1 via the interface unit 31 of the host computer (S20). Then, the automatic transaction apparatus 1 receives the instruction to re-enter the payment amount transmitted from the host computer 2 via the interface unit 21 (S21), and guides the customer to re-enter the payment amount from the customer operation display unit 10. And ask the customer to enter the payment amount (S
22) The payment amount entered by the customer is entered into the automatic transaction device 1
Is transmitted to the host computer 2 via the interface unit 21 (S23), and returns to S7 again.

In this embodiment, when a customer makes a transaction with the automatic transaction device 1, the data of the transaction is automatically transmitted to an e-mail address recorded in the host computer 2. Can read the sent transaction e-mail and know the transaction data on his / her personal computer, and can import the transaction data on his / her personal computer. Can be very easy and
Since the details of the transaction are transmitted by e-mail, the customer does not need to carry the passbook each time, and the financial institution and the like do not need to notify the customer of putting together the passbook entries.

In this embodiment, an example has been described in which the details of a payment transaction are transmitted by e-mail.
In other transactions, the host computer 2 stores an e-mail address for the account number (or the processing depending on the processing content) in the same manner as in this embodiment, and stores the transaction content in the electronic mail stored in the host computer 2. What is necessary is just to transmit to a mail address telephone by a child mail. For example, in the case of a transfer transaction, the transfer destination and its e-mail address are stored in the host computer 2 in advance, and at the time of the transfer transaction, the name, address, transaction details, etc. of the transferee are stored in the e-mail address of the transfer destination. It is also possible to transmit.

[0016] Further, even in a transaction using a passbook, even if the printing place of the passbook is lost in printing on the passbook after the transaction, or an automatic transaction apparatus having a passbook issuing function, Even if the e-mail address is lost, if the e-mail address for the customer's account is stored in the host computer, it is possible to transmit the contents of the transaction that could not be recorded in the passbook by e-mail. In this embodiment, the host computer 2 stores the e-mail address of the customer. However, the e-mail address of the customer may be stored in the automatic transaction apparatus 1 or may be stored in another communicable device. .

Embodiment 2 FIG. In this embodiment, the customer selects whether or not to transmit the e-mail of the transaction content in the first embodiment, and inputs the e-mail address to be transmitted. Is similar to that of the first embodiment.

Next, the operation of this embodiment will be described. 7 to 9 are flowcharts showing the operation of this embodiment. Here, the operation when the customer selects the payment transaction will be described. First, various transaction selection screens are displayed on the customer operation display section 10 of the automatic transaction apparatus 1, and the customer selects a transaction from the customer operation display section 10 of the automatic transaction apparatus 1 based on the display (S100). . The automatic transaction apparatus 1 determines whether a payment transaction has been selected (S101). If it is determined in S101 that the payment transaction has not been selected, the process proceeds to another transaction process.
If it is determined in S101 that the payment transaction is selected, the customer is instructed to insert the transaction card into the card reader printer 12 from the customer operation display unit 10 (S101).
102).

When the transaction card is inserted by the guidance in S102, the information of the transaction card is read (S102).
103), the customer inputs the personal identification number and the payment amount from the customer operation display unit 10 (S104), and the main control unit 22 of the automatic transaction device 1
The information data of the transaction card, the input personal identification number and the payment amount are transmitted to the host computer 2 (S105).
At this time, at the same time, a guidance asking whether to transmit the transaction content to the e-mail is displayed on the customer operation display section 12, and it is determined whether or not the transaction content is transmitted by the e-mail according to the operation of the customer (S120). ).

The host computer 2 transmits the data transmitted from the automatic transaction apparatus 1 to the interface unit A.
31 (S106), and the received customer account number, personal identification number, payment amount, etc.
Is checked against the customer's balance and personal identification number stored in the main storage device 22 (S107), and it is determined whether payment is possible based on the result of the check in S107 (S10).
8).

If it is determined that payment is possible in S108, the host computer 2 transmits a withdrawal instruction to the automatic transaction apparatus 1 via the interface unit 31 of the host computer (S109). Then, the automatic transaction apparatus 1 receives the instruction for withdrawal transmitted from the host computer 2 via the interface unit 21 (S11).
0).

The main controller 22 of the automatic transaction apparatus 1
Issues a withdrawal instruction to the banknote depositing / dispensing unit 13 (S1).
11), the banknote pay-in / pay-out section 13 counts out payment (S11).
2), it is determined whether or not the counting is completed (S113);
If it is determined in step 113 that the counting is completed, when inputting an e-mail address, it is determined whether the input of the e-mail address to be transmitted is completed (S114) and S11.
If it is determined in step 4 that the input of the e-mail address has been completed, the transaction card and the statement slip from the card reader printer 12 and the banknote from the banknote depositing / dispensing unit 13 are output to the customer (S1).
15). If the transaction result is not transmitted to the e-mail in S114, the process proceeds to S115 without determining that the input of the e-mail address has been completed.

After confirming that the customer has received the transaction card, statement, and bill (S116), and confirming that the customer has received it in S116, the main control unit 20 of the automatic transaction apparatus 1 switches the interface unit 21 to the interface unit 21. A notification of the completion of the transaction is transmitted to the host computer 2 via the host computer 2 (S117). Then, the host computer 2 receives the transaction completion notification transmitted from the automatic transaction apparatus 1 via the interface unit A31 (S118).

If it is determined in S108 that payment is impossible, the host computer 2 sends an instruction to re-enter the payment amount to the automatic transaction apparatus 1 via the interface unit 31 of the host computer (S130). Then, the automatic transaction apparatus 1 receives the instruction to re-enter the payment amount transmitted from the host computer 2 via the interface unit 21 (S131), and guides the customer to re-enter the payment amount from the customer operation display unit 10. Then, the customer inputs the payment amount (S132), and the main control unit 20 of the automatic transaction apparatus 1 transmits the payment amount input by the customer to the host computer 2 via the interface unit 21 (S133), and returns to S106. Return to

In the automatic transaction apparatus 1, if it is determined in S120 that the transaction details are not to be transmitted to the e-mail, a normal payment process is performed. If it is determined in S120 that the transaction contents are transmitted to the e-mail, for example, Then, a display as shown in FIG. 10 is displayed on the customer operation display section 10, and the customer inputs an e-mail address from the customer operation display section 10 (S12).
1) Send the input e-mail address to the host computer 2 via the interface unit 21 (S)
122).

Then, the host computer 2 receives the e-mail address transmitted from the automatic transaction apparatus 1 via the interface unit A31 (S123), and proceeds to S11.
It is determined whether or not the transaction completion notification from the automatic transaction apparatus 1 in step 8 has been received (S124). If it is determined in step S124 that the transaction completion notification has been received, it is determined through the interface unit B32 of the host computer 2. Then, the data of the customer's transaction is transmitted to the e-mail address input by the customer (S125).

In this embodiment, when a customer makes a transaction using the automatic transaction apparatus 1, the customer selects whether to transmit the contents of the transaction by e-mail, and when the transmission is selected, the customer enters the e-mail address entered by the customer. Since the data of the transaction details is sent, the customer can know the transaction data on his / her personal computer by reading the e-mail of the transmitted transaction content and capture the transaction data on his / her personal computer. This makes it very easy for customers to organize the details of transactions, and since the details of transactions are sent by e-mail, customers do not have to carry their passbooks with each other, and financial institutions, etc. Does not need to inform the customer to summarize the passbook entries. In addition, the customer can select to transmit the details of the transaction by e-mail, and the customer inputs the e-mail address to be transmitted, so that, for example, in a transaction at another financial institution, the information of the e-mail address is transmitted to the host computer. Even if is not remembered
Transaction details can be sent by email.

In this embodiment, an example has been described in which the contents of a payment transaction are transmitted by e-mail.
In other transactions, as in this embodiment, the customer may be required to input an e-mail address for transmitting the processing contents at the time of the transaction, and the processing contents may be transmitted to the e-mail address by e-mail. For example, in the case of a transfer transaction, the customer is required to input the e-mail address of the transfer destination, and at the time of the transfer transaction, the name and address of the transfer person, the details of the transaction, etc. are transmitted to the input e-mail address of the transfer destination. It is also possible to

Further, even in a transaction using a passbook, if the printing location of the passbook is lost in printing on the passbook after the transaction, or even if the automatic transaction apparatus has a passbook issuing function, Even if there is no more, the customer can input an e-mail address for sending the transaction details that could not be recorded, and the transaction content that could not be recorded in the passbook can be transmitted by e-mail.

Embodiment 3 This embodiment is different from the second embodiment in that a customer inserts a card in which an e-mail address is stored into an automatic transaction apparatus instead of inputting an e-mail address, thereby inputting an e-mail address. The other configuration is the same as that of the first embodiment. Next, the operation of this embodiment will be described. FIGS. 11 to 13 are flowcharts showing the operation of this embodiment. Here, the operation when the customer selects the payment transaction will be described. First, various transaction selection screens are displayed on the customer operation display section 10 of the automatic transaction apparatus 1, and the customer selects a transaction from the customer operation display section 10 of the automatic transaction apparatus 1 based on the display (S2).
00). Then, the automatic transaction apparatus 1 determines whether or not the payment transaction is selected (S201). If it is determined in S201 that the payment transaction is not selected, the process proceeds to another transaction process, and in S201, the payment transaction is performed. When it is determined that the transaction card is selected, the customer operation display unit 10 prompts the customer to insert the transaction card into the card reader printer 12.
Induction (S202).

When the transaction card is inserted by the guidance in S202, the information of the transaction card is read (S202).
203), the customer is made to input the personal identification number and the payment amount from the customer operation display unit 10 (S204), and the main control unit 22 of the automatic transaction device 1
The information data of the transaction card, the input personal identification number and the payment amount are transmitted to the host computer 2 (S205).
At this time, at the same time, a guidance asking whether to transmit the transaction content to the e-mail is displayed on the customer operation display section 12, and it is determined whether or not the transaction content is transmitted by the e-mail according to the operation of the customer (S220). When the details of the transaction are transmitted by e-mail, the customer is prompted to insert a card on which the e-mail address is recorded (a card having the same configuration as the transaction card) (S221).

The host computer 2 transmits the data transmitted from the automatic transaction apparatus 1 to the interface unit A.
31 (S206), and the received customer account number, password, payment amount, etc.
Is checked against the customer's balance and personal identification number stored in the main storage device 22 (S207), and it is determined whether payment is possible based on the result of the check in S207 (S20).
8).

If it is determined in S208 that payment is possible, the host computer 2 transmits a withdrawal instruction to the automatic transaction apparatus 1 via the interface unit 31 of the host computer (S209). Then, the automatic transaction apparatus 1 receives the withdrawal instruction transmitted from the host computer 2 via the interface unit 21 (S21).
0).

Then, the main controller 22 of the automatic transaction apparatus 1
Issues a withdrawal instruction to the banknote deposit / withdrawal unit 13 (S2
11), the banknote pay-in / pay-out section 13 counts out payments (S21).
2), it is determined whether or not the counting is completed (S213);
If it is determined in 213 that the counting is completed, when inputting an e-mail address, it is determined whether or not the e-mail address has been read from the card on which the inserted e-mail address is recorded (S214), and in S214. If it is determined that the e-mail address has been read, the transaction card, the card on which the e-mail address is recorded and the statement, and the bill from the bill depositing / dispensing section 13 are output to the customer from the card reader printer 12 (S215). If the transaction result is not transmitted to the e-mail in S214, the process proceeds to S215 without determining that the input of the e-mail address has been completed.
Outputs a card other than the card on which the e-mail address is recorded.

After confirming that the customer has received the transaction card, statement, and bill (S216), and confirming that the customer has received it in S216, the main control unit 20 of the automatic transaction apparatus 1 switches the interface unit 21 to the interface unit 21. A notification of the completion of the transaction is transmitted to the host computer 2 via the server (S217). Then, the host computer 2 receives the transaction completion notification transmitted from the automatic transaction device 1 via the interface unit A31 (S218).

If it is determined in S208 that payment is impossible, the host computer 2 transmits an instruction to re-enter the payment amount to the automatic transaction apparatus 1 via the interface unit 31 of the host computer (S230). Then, the automatic transaction apparatus 1 receives the instruction to re-enter the payment amount transmitted from the host computer 2 via the interface unit 21 (S231), and guides the customer to re-enter the payment amount from the customer operation display unit 10. Then, the customer inputs a payment amount (S232), and the main control unit 20 of the automatic transaction apparatus 1 transmits the payment amount input by the customer to the host computer 2 via the interface unit 21 (S233), and again S206. Return to

If it is determined in S220 that the contents of the transaction are not to be sent to the e-mail, the automatic transaction apparatus 1 performs a normal payment process. The user is prompted to insert a card on which an e-mail address is recorded (S221), and the customer is caused to insert the card on which the e-mail address is recorded, and the e-mail address is read from the inserted card (S222). Then, the read e-mail address is transmitted to the host computer 2 via the interface unit 21 (S223).

Then, the host computer 2 receives the e-mail address transmitted from the automatic transaction apparatus 1 via the interface unit A31 (S224), and proceeds to S21.
It is determined whether or not the notification of the transaction completion from the automatic transaction apparatus 1 in step 8 has been received (S225). If it is determined in step S225 that the notification of the transaction completion has been received, it is determined via the interface unit B32 of the host computer 2. Then, the data of the customer's transaction is transmitted to the e-mail address read from the card on which the e-mail address is recorded (S22).
6).

In this embodiment, when the customer makes a transaction using the automatic transaction apparatus 1, the customer selects whether to transmit the contents of the transaction by e-mail, and when the transmission is selected, the transaction is recorded on the card inserted by the customer. By sending the transaction details data to the e-mail address that was sent, the customer can read the transmitted transaction contents e-mail and know the transaction data on his personal computer, The ability to capture transaction data makes it very easy for customers to organize the details of their transactions, and because the details of the transactions are sent by e-mail, customers need to carry their passbooks In addition, the financial institution does not need to notify the customer of the passbook entry. In addition, the customer can select the transmission of the transaction contents by e-mail, and input the e-mail address to be transmitted by inserting a card, so that, for example, in the case of a transaction at another financial institution, the electronic mail is transmitted to the host computer. Even if the information of the e-mail address is not stored, the contents of the transaction can be transmitted by e-mail, and further, for example, when going to another financial institution, there is no need to enter the e-mail address each time, and the transaction time Can be shortened.

In this embodiment, an example has been described in which the details of a payment transaction are transmitted by e-mail.
In other transactions, as in this embodiment, the customer inserts a card on which an e-mail address for transmitting the processing contents is recorded at the time of the transaction, reads the e-mail address recorded on the card, and reads the processing contents. What is necessary is just to transmit by e-mail to the e-mail address. Also, record multiple e-mail addresses on the card where the e-mail address is recorded, and select the e-mail address to send the transaction contents from the list of e-mail addresses recorded on the card at the time of transaction Is also good.

For example, in the case of a transfer transaction, the customer is caused to insert a card on which the electronic mail address of the transfer destination is recorded, and the electronic mail address recorded on the card is read. It is also possible to send the name, address, transaction details, etc. to the e-mail address read from the card.

In the case of a transfer transaction, when a transfer card on which a transfer destination is recorded is used, an e-mail address is also recorded on the transfer card as information on the transfer destination. If the transfer card is used for the transfer transaction without inserting the card on which the is recorded, it is also possible to transmit the transaction contents to the e-mail address recorded on the transfer card. In addition, a plurality of payees and their e-mail addresses are recorded on the transfer card, and at the time of a transfer transaction, a transfer destination to be transferred is selected from among the plurality of payees, so that the selected payee is selected. It is also possible that the contents of the transaction are transmitted as an e-mail to the e-mail address.

Also, in a transaction using a passbook, if the printing place of the passbook is lost in printing on the passbook after the transaction, or even if the automatic transaction apparatus has a passbook issuing function, Even if the card has been lost, the customer inserts a card with an e-mail address to send the details of the transaction that could not be recorded,
It is possible to read the e-mail address recorded on the card, and to transmit the contents of the transaction that could not be recorded in the passbook to the read e-mail address by e-mail.

Embodiment 4 FIG. In the present embodiment, when the automatic transaction device 1 has completed the transaction, the statement sheet for printing the transaction content is lost in the automatic transaction device 1, and when the statement cannot be printed, the statement sheet is printed. Instead of sending the transaction contents by e-mail, and the other configuration is the same as that of the first embodiment. Next, the operation of this embodiment will be described. FIG.
FIG. 15 is a flowchart showing the operation of this embodiment. Here, the operation when the customer selects the payment transaction will be described. First, various transaction selection screens are displayed on the customer operation display section 10 of the automatic transaction apparatus 1, and the customer selects a transaction from the customer operation display section 10 of the automatic transaction apparatus 1 based on the display (S300). . Then, the automatic transaction apparatus 1 determines whether or not the payment transaction is selected (S301). If it is determined in S301 that the payment transaction is not selected, the process proceeds to another transaction processing, and the payment transaction is determined in S301. If it is determined that the transaction card has been selected, the customer operation display unit 10 guides the customer to insert the transaction card into the card reader printer 12 (S30).
2).

When the transaction card is inserted by the guidance in S302, the information of the transaction card is read (S302).
303), the customer inputs the personal identification number and the payment amount from the customer operation display unit 10 (S304), and the main control unit 22 of the automatic transaction device 1
The transaction card information data, the input personal identification number and the payment amount are transmitted to the host computer 2 (S305).

The host computer 2 transmits the data transmitted from the automatic transaction apparatus 1 to the interface unit A.
31 (S306), and the received customer account number, password, payment amount, etc.
Is checked against the customer's balance and personal identification number stored in the main storage device 22 (S307), and it is determined whether payment is possible based on the result of the check in S307 (S30).
8).

If it is determined in S308 that payment is possible, the host computer 2 transmits a withdrawal instruction to the automatic transaction apparatus 1 via the interface unit 31 of the host computer (S309). Then, the automatic transaction apparatus 1 receives the withdrawal instruction transmitted from the host computer 2 via the interface unit 21 (S31).
0).

Then, the main controller 22 of the automatic transaction apparatus 1
Issues a withdrawal instruction to the banknote deposit and withdrawal unit 13 (S3
11), the banknote pay-in / pay-out section 13 counts out payments (S31).
2) It is determined whether or not there is a statement sheet for printing the transaction contents (S313). Then, if it is determined in S313 that there is a sheet for the statement slip, the statement slip is printed, and the transaction card and the statement slip from the card reader printer 12 and the bill from the bill depositing / dispensing unit 13 are output to the customer (S314).

After confirming that the customer has received the transaction card, statement, and bill (S315), and confirming in S315 that the customer has received the transaction card, the main control unit 20 of the automatic transaction apparatus 1 switches the interface unit 21 to the interface unit 21. The transaction completion notification is transmitted to the host computer 2 via the interface (S316), and the host computer 2 receives the transaction completion notification transmitted from the automatic transaction apparatus 1 via the interface unit A31 (S317).

If it is determined in step S313 that there is no paper on the statement slip, a guidance is displayed on the customer operation display unit 12 asking whether to transmit the transaction details to an e-mail. It is determined whether or not to transmit by e-mail (S318). If it is determined in S318 that the transaction content is not to be transmitted to the e-mail, a display for instructing to call a clerk is displayed on the customer operation display unit 10 (S31).
9) If it is determined in S318 that the e-mail is to be transmitted to an e-mail, for example, a display as shown in FIG. 10 is displayed on the customer operation display unit 10, and the customer inputs an e-mail address from the customer operation display unit 10 (S320). ), The transaction card is output from the card reader printer 12 and the banknote is output from the banknote depositing / dispensing unit 13 to the customer (S321).

After confirming that the customer has received the transaction card, statement, and bill (S322), and confirming that the customer has received it in S322, the main control unit 20 of the automatic transaction apparatus 1 switches the interface unit 21. The transaction completion notification and the input e-mail address are transmitted to the host computer 2 via the host computer 2 (S323). The host computer 2 transmits the transaction completion notification and the e-mail address transmitted from the automatic transaction device 1 to the interface unit A31. Via the interface unit B32 of the host computer 2 (S324).
The transaction data of the customer is transmitted to the e-mail address input by the customer (S325).

If it is determined in S308 that payment is impossible, the host computer 2 transmits an instruction to re-enter the payment amount to the automatic transaction apparatus 1 via the interface unit 31 of the host computer (S330). Then, the automatic transaction apparatus 1 receives the instruction to re-enter the payment amount transmitted from the host computer 2 via the interface unit 21 (S331), and guides the customer to re-enter the payment amount from the customer operation display unit 10. Then, the customer inputs the amount of payment (S332), and the main control unit 20 of the automatic transaction apparatus 1 transmits the amount of payment input by the customer to the host computer 2 via the interface unit 21 (S333), and returns to S306. Return to

In this embodiment, when a customer makes a transaction using the automatic transaction apparatus 1 and there is no more paper on a statement sheet for printing the transaction content, the customer sends the transaction content to the e-mail address entered by the customer. Since it was sent as e-mail, even if the statement slip in the automatic transaction device 1 is lost,
If a customer chooses to send a transaction via email,
Operation can be performed as it is, and long-term operation can be performed.

In this embodiment, an example has been described in which the details of the transaction at the time of the payment transaction are transmitted by e-mail.
In other transactions, similarly to this embodiment, if the paper for the statement is exhausted at the time of the transaction, the customer is required to input an e-mail address for sending the processing content to be printed on the statement, and the processing content is What is necessary is just to transmit by e-mail to an e-mail address.

Further, instead of having the customer input the e-mail address, the processing content may be transmitted to the e-mail address recorded in the host computer in advance, as in the first embodiment. As in the third embodiment, a card on which an e-mail address is recorded may be inserted, and the processing content may be transmitted to the e-mail address recorded on the card.

In the first to fourth embodiments, the example in which the host computer 2 transmits an e-mail has been described. However, the electronic mail is transmitted from the automatic transaction apparatus 1 or another communicable apparatus. It may be.

Further, in the first to fourth embodiments, one example of the transmission destination for transmitting an e-mail with respect to a transaction has been described, but the contents of the transaction are transmitted by e-mail to a plurality of e-mail addresses. You may do so. For example, in the case of a transfer transaction, an e-mail of the transaction content may be transmitted not only to the e-mail address of the transfer destination but also to the e-mail address of the transfer person.

[0058]

As described above, according to the present invention, the contents of a transaction made by a customer using an automatic transaction apparatus can be transferred to a host computer connected to an e-mail communication network or to an electronic apparatus having a communication function with the automatic transaction apparatus. Since the other device connected to the mail communication network transmits the e-mail to the preset e-mail address via the e-mail communication network, the customer reads the e-mail of the transmitted transaction contents. By doing so, you can know the transaction data on your personal computer and import the transaction data on your personal computer, so it is very easy for customers to organize the contents of the transaction, Since the details of the transaction are sent by e-mail, the customer does not need to carry the passbook with each other, and the financial institution etc. informs the customer of the entry of the passbook. It has the effect that it is not be necessary.

[Brief description of the drawings]

FIG. 1 is a configuration diagram illustrating a system configuration according to a first embodiment of the present invention.

FIG. 2 is an external view showing the external appearance of the automatic transaction apparatus 1.

FIG. 3 is a configuration diagram showing a configuration of the automatic transaction apparatus 1.

FIG. 4 is a configuration diagram showing a configuration of a host computer 2.

FIG. 5 is a flowchart (1) showing an operation of the first embodiment.

FIG. 6 is a flowchart (part 2) illustrating the operation of the first embodiment.

FIG. 7 is a flowchart (part 1) illustrating an operation of the second embodiment.

FIG. 8 is a flowchart (part 2) illustrating the operation of the second embodiment.

FIG. 9 is a flowchart (part 3) illustrating the operation of the second embodiment.

FIG. 10 is a diagram showing a display example of a customer operation display unit 10;

FIG. 11 is a flowchart (part 1) illustrating an operation of the third embodiment.

FIG. 12 is a flowchart (part 2) illustrating the operation of the third embodiment.

FIG. 13 is a flowchart (part 3) illustrating the operation of the third embodiment.

FIG. 14 is a flowchart (part 1) illustrating the operation of the fourth embodiment.

FIG. 15 is a flowchart (2) showing the operation of the fourth embodiment.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Automatic transaction apparatus 2 Host computer 10 Customer operation display part 11 Passbook bookkeeping part 12 Card reader printer 13 Banknote deposit and withdrawal part 14 Coin deposit and withdrawal part 20 Main control part 21 Interface part 22 Main storage device 30 Control part 31 Interface part A32 Interface Part B 33 Main storage device

Claims (7)

[Claims] An automatic transaction device connected to a host computer and performing various financial transactions by a customer's operation, wherein the contents of a transaction made by the customer with the automatic transaction device are transferred to a host computer connected to an e-mail communication network, or A device having a function of communicating with an automatic transaction device and having a means for transmitting as an e-mail to a preset e-mail address from another device connected to the e-mail communication network via the e-mail communication network. And automatic transaction equipment. 2. An automatic transaction apparatus connected to a host computer and performing various financial transactions by a customer's operation, comprising: means for connecting to an electronic mail communication network; An automatic transaction apparatus comprising means for transmitting an e-mail to a preset e-mail address via a mail communication network. 3. A means for inputting an e-mail address for transmitting contents of a transaction made by the automatic transaction apparatus to the customer, wherein the e-mail address is set to the e-mail address input by the customer. The automatic transaction device according to claim 1 or 2, wherein: 4. A means for inserting a card in which an e-mail address for transmitting the contents of a transaction made by the automatic transaction apparatus to the customer is recorded, and a means for reading an e-mail address from the inserted card. 3. The automatic transaction apparatus according to claim 1, wherein the electronic mail address is set to an electronic mail address read from the card. 5. The automatic transaction apparatus according to claim 1, wherein a plurality of e-mail addresses for transmitting the transaction contents as e-mail are set. 6. When the customer transacts with the automatic transaction apparatus, when there is no printing place for transaction contents in the passbook inserted by the customer and there is no more passbook that can be newly issued, transactions for unregistered passbooks in the passbook. 4. The method according to claim 1, wherein contents are transaction contents to be transmitted by said e-mail.
The automatic transaction device according to 4 or 5. 7. When the customer makes a transaction with the automatic transaction device, when the paper for the statement for printing the transaction runs out, the transaction to be printed on the statement is the transaction to be transmitted by the e-mail. Claim 1, characterized in that:
2, 3, 4 or 5 automatic transaction equipment.