JPH0962899A - Transaction fee display method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To reduce a burden imposed on a customer and to improve the turnover of customers of ATM. SOLUTION: In an automatic cash receiving/paying device, the range of the commission of the transaction is displayed on a display screen, keys for 'recognition' for executing a processing and for 'interruption' for interrupting a processing are displayed and the customer is caused to recognize the commission as illustrated after the customer depresses a 'transaction' key.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention is applicable to various transactions such as deposit transactions and transfer transactions with an automatic cash deposit / withdrawal device (hereinafter referred to as ATM) installed in a financial institution such as a bank.
The present invention relates to a transaction fee display method in which fees for various transactions are displayed on an ATM display screen.

[0002]

2. Description of the Related Art In the conventional transaction fee display method, for example, in the case of a withdrawal transaction, after the withdrawal transaction is completed, a statement sheet or a passbook is printed which prints the withdrawal amount and other fees associated with the withdrawal transaction. I had the customer confirm the fee. In the case of transfer transactions, etc., A
Along with the name, phone number, and amount of money transferred to the TM,
After the transfer fee, which is determined according to the transfer amount and transfer time, is displayed on the display screen to let the customer confirm, the transfer transaction is performed.

[0003]

However, in the above-mentioned conventional transaction fee display method, in the case of withdrawal transaction, when the withdrawal amount that the sum of the withdrawal amount and the commission becomes higher than the account balance is input, the ATM The host computer connected to the above determines that the withdrawal transaction is unsuccessful because the balance is insufficient, and transmits the fact to the ATM, and the ATM displays the transaction unsuccessful to notify the customer.
Therefore, there is a problem that the customer cannot recognize the fee and cannot recognize how much the balance is insufficient. Also, if the customer does not know the fee, even if he / she knows his / her own account balance, the balance may be insufficient, and the withdrawal amount, name, etc. must be re-entered from the beginning. First, there was the problem of burdening the customer.

On the other hand, in the case of a transfer transaction, a transfer fee determined according to the transfer amount, transfer time, etc. is displayed on the display screen together with the name, telephone number, transfer amount, etc. entered by the customer in the ATM. After confirming with the customer, the transfer transaction was conducted, so at the time of the confirmation, the customer must ask for the sum of the transfer amount and the transfer fee, and calculate the amount to be deposited in the ATM and prepare the deposit amount. Follow. For this reason, there is a problem that a lot of work is performed at the time of confirmation, and the customer is burdened.

Therefore, in the above-mentioned conventional transaction fee display method, since the customer is often burdened, there is a problem that the customer turnover rate of the ATM is deteriorated.

[0006]

Therefore, in the first aspect of the present invention, after the customer presses the "transaction" key on the automatic cash deposit / withdrawal device, the range of the transaction fee is displayed on the display screen. , "Confirm" for executing the process and "Abort" key for interrupting the process are displayed so that the customer can confirm the fee. Further, in the second invention, when a transaction is carried out by the automatic cash deposit / withdrawal device, the transaction fee corresponding to the transaction selected by the customer during the transaction is determined, and the total of the fee and the transaction amount is calculated. The transaction fee and the customer information are displayed together with the fee and the total on the display screen to confirm the transaction. As a result, the burden on the customer can be reduced, and the customer turnover ratio of the ATM can be improved.

[0007]

Embodiments of the present invention will be described below with reference to the drawings. First Embodiment FIG. 1 is an external view of an ATM. In the figure, 1 is AT
M, which has a passbook insertion opening 2, a card insertion opening 3, a bill insertion opening 4, a coin insertion opening 5, and a display unit 6 on the front surface of the housing. Further, a control unit and a storage unit (not shown) are built in, and the control unit performs the following processing based on a program stored in the storage unit.

Next, the processing before the transaction when the transaction is performed using the ATM 1 will be described. FIG. 2 is a flowchart of displaying fees before a transaction, and FIGS. 3 to 7 are illustrations of display screens. Sa1: ATM1 waits for the customer to select a transaction process with the initial screen displayed on the display unit 6. In the initial screen, for example, "withdrawal""transfer""transferreservation""deposit"
Keys such as are prepared. Sa2: When the customer presses any one of the keys on the initial screen to select a transaction process, the control unit (not shown) of the ATM1 shifts the process to Sa3. Sa3: The control unit determines whether the selected transaction is a transaction with a fee. In the case of a transaction without a commission such as “deposit”, the processing is moved to Sa9 so that the selected transaction is directly performed. Further, in the case of a transaction with a fee such as “withdrawal”, “transfer”, “transfer reservation”, the processing is moved to Sa4. Sa4: The control unit determines the range of the fee based on the confirmed transaction conditions such as the day of the week and the time. The reason for considering the day of the week and the time is that a fee is currently charged after 2:00 on Saturday and after 6:00 pm on Sunday and weekdays. In addition, in the case of a transfer transaction, the operation is performed so that the fee varies depending on the amount of transfer, the distinction of the head office branch, whether it is another bank, etc. Therefore, the range of the fee is determined accordingly. That is, since the transfer amount has not been specified yet,
It is not possible to specify the fee according to the transfer amount,
In this case, the range of fees according to the registered transfer amount is set. Sa5: The control unit determines whether the range of the fee determined from the day of the week, the time, etc. is 0 yen. If it is 0 yen, the process proceeds to Sa9 to directly carry out the selected transaction.
If it is not 0 yen, the process proceeds to Sa6. Sa6: The control unit displays the range of the fee on the display unit 6 of the ATM 1. For example, when the customer selects the transfer transaction and the fee can be specified, the amount of the transfer fee is displayed as shown in FIG. It should be noted that on the display screen, the “confirm” key means execution of processing, and the “interruption” key means processing interruption. The same applies hereinafter. If the fee cannot be specified and the range is fixed, the range of the transfer fee is displayed as shown in FIG. Where "details"
The key is a key to be pressed when it is desired to know the details of the fee. When the "details" key is pressed, the display is changed from the display screen shown in FIG. 4 to the display screen shown in FIG. On the display screen of FIG. 5, different fees are displayed depending on transaction conditions such as the transfer amount, head office branch, and whether or not it is addressed to another bank. Sa7: When the customer presses the "confirm" key or the "interrupt" key, the control unit shifts the processing to Sa8. When the customer presses the "details" key, the customer presses the "confirmation" key or the "interruption" key after the control unit displays the details of the fee as described above. Sa8: The control unit determines whether the "confirm" key or the "interrupt" key is pressed. "Interruption"
If the key is pressed, the process returns to Sa1. Also,
If the "confirm" key is pressed, the process proceeds to Sa9. Sa9: The control unit advances each transaction selected by the customer.

When the customer selects the withdrawal transaction in Sa2, the withdrawal fee is displayed on the display screen displayed in Sa7 as shown in FIG. Also,
If the customer selects the transfer reservation transaction in Sa2 above,
The transfer reservation fee, the range of the transfer fee, and the like are displayed on the display screen displayed in Sa7, as shown in FIG.
According to the first embodiment described above, since it becomes possible to confirm the commission before executing each transaction, it becomes possible to reduce the time and effort required for the customer to input the name and the like, and the burden on the customer is lightened. However, the customer turnover rate of ATM can be improved.

Second Embodiment An AT similar to that of the first embodiment shown in FIG. 1 is used.
A process for confirming a transaction when performing a transaction will be described using M. FIG. 8 is a flowchart for confirming a transaction, FIGS. 9 to 1
1 is an exemplary view of a display screen. Sb1: The control unit (not shown) of the ATM 1 displays the display screen of the display unit 6 in accordance with the transaction selection of the customer, for example,
Display a screen such as "Withdrawal", "Transfer", "Reservation for Transfer", "Deposit". Sb2: When the customer inputs the transaction amount such as the withdrawal amount and the transfer amount and the information such as the transfer destination, the control unit performs the process Sb.
Transfer to 3. Sb3: The control unit determines whether the selected transaction is a transaction with a fee. In the case of a transaction such as "deposit" that has no fee, the process proceeds to Sb5 and the transaction confirmation screen is displayed as in the conventional case. Further, in the case of a transaction with a fee such as “withdrawal”, “transfer”, “transfer reservation”, the processing is moved to Sb4. Sb4: The control unit determines a fee from the day of the week, time, transaction type, transaction amount, etc., and calculates the sum of the fee and the transaction amount. Since the day of the week and the time are taken into consideration in the same manner as in the first embodiment, the description thereof will be omitted. Sb5: The control unit displays the transaction confirmation information on the display unit 6 of the ATM 1 together with the fee. For example, in the case of a transfer transaction, as shown in FIG. 9, as the transaction content, the transfer amount, customer information (customer information is not shown), and the like, the fee and the total are displayed. Further, in the case of a withdrawal transaction, as shown in FIG. 10, as the transaction content, the withdrawal amount, customer information (customer information is not shown), and the like, the fee and the total are displayed. It should be noted that on the display screen, the "confirm" key means execution of the process, and the "cancel" key means cancellation of the process. The same applies hereinafter. Sb6: When the customer presses the "confirm" key or the "cancel" key, the control unit shifts the processing to Sb7. Sb8: The control unit determines whether or not the "confirm" key or the "cancel" key is pressed. "Cancel"
If the key is pressed, the process ends. If the "confirm" key is pressed, the process proceeds to Sb8. Sb8: The control unit advances each process of the transaction selected by the customer.

According to the second embodiment, since the commission and the total of the commission and the transaction amount can be confirmed during the execution of each transaction, the customer can save the trouble of asking for them and the customer Lighten the burden of hanging, and eventually A
It is possible to improve the TM customer turnover rate.
In the second embodiment, in the case of a withdrawal transaction, as shown in FIG. 10, the transaction contents include the withdrawal amount, customer information (customer information is not shown), the fee and the total. Although it is supposed to be displayed, as shown in FIG. 11, as the transaction content, only the fee is displayed together with the withdrawal amount and customer information (customer information is not shown) without calculating the total. Good.

[0012]

As described above, according to the transaction fee display method of the present invention, the effect of reducing the burden on the customer can be obtained, and further, the effect of improving the customer turnover rate of ATM can be expected. . In particular, during withdrawal transactions, the customer can be asked to confirm the fee each time.

[Brief description of drawings]

[Figure 1] ATM external view

[Figure 2] Flowchart for displaying fees before trading

FIG. 3 is an exemplary view of a display screen.

FIG. 4 is an exemplary view of a display screen.

FIG. 5 is an exemplary view of a display screen.

FIG. 6 is an exemplary view of a display screen.

FIG. 7 is an exemplary view of a display screen.

[Figure 8] Flow chart for transaction confirmation

FIG. 9 is an exemplary view of a display screen.

FIG. 10 is an exemplary view of a display screen.

FIG. 11 is an exemplary view of a display screen.

[Explanation of symbols]

 1 ATM 2 Passbook insertion exit 3 Card insertion exit 4 Banknote entry / exit 5 Coin entry / exit 6 Display

 ─────────────────────────────────────────────────── ─── Continued Front Page (72) Inventor Takahiro Tachiki 1-7-12 Toranomon, Minato-ku, Tokyo Oki Electric Industry Co., Ltd.

Claims (4)

[Claims] 1. The automatic cash deposit / withdrawal device, after the customer presses the "transaction" key, displays the range of the transaction fee on the display screen and "confirms" to execute the process and interrupts the process. A transaction fee display method characterized by displaying a "suspend" key for prompting the customer to confirm the fee. 2. The transaction fee display method according to claim 1, wherein a "details" key to be pressed when the user wants to know the details of a fee that differs depending on transaction conditions is displayed on the display screen. [Claim 3] When a customer makes a transaction with an automatic cash deposit / withdrawal device, the transaction fee according to the transaction conditions is determined during the transaction, the total of the fee and the transaction amount is calculated, and the transaction amount or A transaction fee display method characterized in that the fee and the total are displayed together with customer information and the like on a display screen to confirm the transaction. 4. When conducting a withdrawal transaction with an automatic cash deposit / withdrawal device, the withdrawal transaction fee is determined, and the withdrawal transaction is displayed together with the transaction amount, customer information and the like on the display screen to confirm the withdrawal transaction. A transaction fee display method characterized by the above.