JP2016149144A - Automatic transaction apparatus - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a novel and improved automatic transaction apparatus allowing a user to easily change account information relating to presence/absence of a passbook, and to provide a method for processing transaction and a program.SOLUTION: According to one standpoint of the present invention, an automatic transaction apparatus includes a control unit for accepting a change instruction operation that instructs change of account information relating to presence/absence of a passbook.SELECTED DRAWING: Figure 1

Description

  The present invention relates to an automatic transaction apparatus.

  Financial institutions often provide both passbooks and cards to users who have opened an account. However, the passbook may not be necessary for a user who uses the card more frequently than the passbook. On the other hand, when a user conducts a transaction using a card, the financial institution needs to store information relating to the transaction history as unrecorded information on a server or the like. This is because there is a case where the user records unbooked information in the passbook. For this reason, the storage cost of unrecorded information has been a problem in financial institutions. In particular, a user who uses a card more frequently than a passbook often does not record unrecorded information, so the amount of unregistered information of such a user is very large.

  Regarding the problem of storage cost, Patent Documents 1 and 2 disclose an apparatus for writing unbooked information. The user can enter unbooked information in the passbook by inserting the passbook into these devices. However, since users who use cards more frequently than passbooks often do not write unbooked information in the first place, these techniques cannot greatly reduce unbooked information. That is, these techniques cannot fundamentally solve the problem of storage cost. Furthermore, in these documents, there is no mention of users who do not need a bankbook.

  Therefore, in recent years, financial institutions capable of opening a bankbookless account (so-called bankbookless account) have appeared. A passbook is not provided to users of accounts without a passbook. Therefore, the user of the bankbookless account performs various transactions using the card. A financial institution does not need to store information relating to the transaction as unrecorded information even if a user of a bankbookless account conducts a transaction using a card. This is because such a user does not have a passbook. Therefore, such a financial institution is expected to reduce unbooked information.

JP 2000-339518 A JP 2011-232839 A

  However, if a user wants to change an account with a passbook that has already been opened to an account without a passbook, the procedure has to be carried out at a financial institution's window, etc. It was hanging. For example, the user has to visit a financial institution during a time when the window of the financial institution is open. Further, the user has to wait until his turn comes when the window is congested.

  Therefore, the present invention has been made in view of the above problems, and an object of the present invention is a new and improved that allows a user to easily change account information related to the presence or absence of a passbook. It is to provide an automatic transaction apparatus.

  In order to solve the above-described problem, according to an aspect of the present invention, a change instruction operation for instructing a change of account information related to the presence or absence of a passbook is accepted, and when the change instruction operation is accepted, the change instruction operation is accepted. There is provided an automatic transaction apparatus including a control unit that accepts an unbooked handling instruction operation related to handling of unbooked information that was sometimes unbooked.

  Here, the unrecorded handling instruction operation includes an unrecorded discard instruction operation for instructing to discard the unrecorded information, an unrecorded mail instruction operation for instructing mailing of unrecorded information to a home, and unregistered information on a homepage. May be classified into an unbooked posting instruction operation for instructing to be posted.

  In addition, the control unit may accept the change instruction operation regardless of whether or not a bankbook is inserted.

  In addition, when the passbook is inserted, the control unit may accept a discard presence / absence instruction operation for instructing whether or not to discard the inserted passbook.

  The discard presence / absence instruction operation may be classified into a discard presence instruction operation for instructing to discard the passbook and a discard non-instruction operation for instructing to return the passbook.

  The change instruction operation includes a first change instruction operation for instructing a change from an account with a passbook to an account without a passbook, and a second change instruction operation for instructing a change from an account without a passbook to an account with a passbook. It may be divided.

  Furthermore, the control unit may accept the unbooked handling instruction operation when the first change instruction operation is accepted.

  As described above, according to the present invention, the automatic transaction apparatus accepts a change instruction operation for instructing a change of account information related to the presence or absence of a passbook. Therefore, since the user can change the account information regarding the presence or absence of the passbook by performing the change instruction operation on the automatic transaction apparatus, the account information can be easily changed.

It is a perspective view which shows the external appearance of the automatic transaction apparatus which concerns on the 1st Embodiment of this invention. It is a functional block diagram of the automatic transaction apparatus etc. concerning the embodiment. It is a flowchart which shows the procedure of the process by an automatic transaction apparatus. It is a flowchart which shows the procedure of the process by an automatic transaction apparatus. It is a flowchart which shows the procedure of the process by an automatic transaction apparatus. It is an example of the transaction screen which an automatic transaction apparatus displays. It is an example of the transaction screen which an automatic transaction apparatus displays. It is an example of the transaction screen which an automatic transaction apparatus displays. It is an example of the transaction screen which an automatic transaction apparatus displays. It is an example of the transaction screen which an automatic transaction apparatus displays. It is an example of the transaction screen which an automatic transaction apparatus displays. It is an example of the transaction screen which an automatic transaction apparatus displays. It is an example of the transaction screen which an automatic transaction apparatus displays. It is an example of the transaction screen which an automatic transaction apparatus displays. It is an example of the transaction screen which an automatic transaction apparatus displays. It is an example of the transaction screen which an automatic transaction apparatus displays. It is an example of the transaction screen which an automatic transaction apparatus displays. It is an example of the transaction screen which an automatic transaction apparatus displays. It is an example of the transaction screen which an automatic transaction apparatus displays. It is an example of the transaction screen which an automatic transaction apparatus displays. It is an example of the transaction screen which an automatic transaction apparatus displays. It is an example of the transaction screen which an automatic transaction apparatus displays. It is a flowchart which shows the procedure of the process by the automatic transaction apparatus which concerns on the 2nd Embodiment of this invention. It is an example of the transaction screen which an automatic transaction apparatus displays. It is an example of the transaction screen which an automatic transaction apparatus displays. It is an example of the transaction screen which an automatic transaction apparatus displays. It is an example of the transaction screen which an automatic transaction apparatus displays. It is an example of the transaction screen which an automatic transaction apparatus displays. It is an example of the transaction screen which an automatic transaction apparatus displays. It is a flowchart which shows the procedure of the process by the automatic transaction apparatus which concerns on the 3rd Embodiment of this invention. It is an example of the transaction screen which an automatic transaction apparatus displays. It is an example of the transaction screen which an automatic transaction apparatus displays. It is an example of the transaction screen which an automatic transaction apparatus displays. It is an example of the transaction screen which an automatic transaction apparatus displays.

Exemplary embodiments of the present invention will be described below in detail with reference to the accompanying drawings. In addition, in this specification and drawing, about the component which has the substantially same function structure, duplication description is abbreviate | omitted by attaching | subjecting the same code | symbol.
<1. First Embodiment>

[Appearance structure of automatic transaction equipment]
First, based on FIG. 1, the external structure of the automatic transaction apparatus 10 is demonstrated. The automatic transaction apparatus 10 is installed in various financial institutions and the like, and as its exterior configuration, a housing 11, a card entry / exit 12, a passbook entry / exit 13, a banknote entry / exit 14, and a coin entry / exit 15, a customer service section 16, and an approach detection sensor 17.

  The housing 11 contains the internal configuration of the automatic transaction apparatus 10, such as the video acquisition unit 20 and the card processing unit 40. The card entrance / exit 12 is a portion into which a transaction cash card (hereinafter also simply referred to as “card”) is inserted or returned. The bankbook entry / exit 13 is a part where the bankbook is inserted or returned. The bill entry / exit 14 is a portion where bills are inserted or returned, and the coin entrance / exit 15 is a portion where coins are inserted or returned.

  The customer service unit 16 is a display with a touch panel, and displays a screen (for example, a customer waiting screen shown in FIG. 4) according to the progress of the transaction. The user can perform various input operations (instruction operations) by touching a desired button (for example, a button on which a desired transaction is drawn). The customer service unit 16 outputs operation information regarding the contents of the instruction operation to the control unit 110. The approach detection sensor 17 detects that a person has approached the automatic transaction apparatus 10.

[Internal configuration of automatic transaction equipment]
Next, based on FIG. 2, the internal structure of the automatic transaction apparatus 10 is demonstrated. The automatic transaction apparatus 10 has, as its internal configuration, a video acquisition unit 20, a passbook processing unit 30, a card processing unit 40, a statement slip processing unit 50, a banknote deposit / withdrawal unit 60, a coin deposit / withdrawal unit 70, The power supply unit 80, the storage unit 90, the interface unit 95, and the control unit 110 are included. The automatic transaction apparatus 10 has a hardware configuration such as a CPU, ROM, RAM, hard disk, various actuators, printing device, digital camera, banknote transport path, denomination cassette, and the like. A functional block is realized. That is, a program for realizing the above functional blocks is recorded in the ROM, and the CPU reads this program from the ROM and executes it. Furthermore, the automatic transaction apparatus 10 has an unused passbook storage and an input passbook storage. In the unused passbook storage, a passbook in which account information and user information are not recorded, that is, an unused passbook is stored. On the other hand, the passbook stored in the passbook entry / exit 13 by the user is stored in the input passbook storage.

  The video acquisition unit 20 is a so-called digital camera, and is disposed on the top of the housing 11. The video acquisition unit 20 photographs a user who uses the automatic transaction apparatus 10 and outputs image information obtained thereby to the control unit 110. The control unit 110 extracts the face image of the user from the image information given from the video acquisition unit 20, and performs various processes based on the extracted face image.

  The passbook processing unit 30 receives account information from various processes (for example, printing on paper, electronic recording media attached to the passbook (magnetic stripe, IC chip, etc.) to the passbook entered (inserted) from the passbook entry / exit 13. Reading processing, writing to a recording medium, detection of a print page, page break, and the like). Thereafter, the passbook processing unit 30 returns the passbook from the passbook entry / exit 13. The passbook processing unit 30 can also issue a new passbook. That is, the passbook processing unit 30 obtains an unused passbook from the unused passbook storage, and creates a new passbook by writing account information and user information in the unused passbook. The bankbook processing unit 30 discharges the new bankbook from the bankbook entry / exit 13.

  The card processing unit 40 performs various processes on the card inserted from the card slot 12 and then returns the card from the card slot 12. The statement slip processing unit 50 creates a statement slip by printing the transaction date, the transaction amount, the balance, etc. on a predetermined sheet, and discharges it from the card slot 12.

  The banknote deposit / withdrawal unit 60 discriminates the authenticity of the banknotes deposited from the banknote slot 14, counts the banknotes, and conveys them to a denomination cassette. Moreover, the banknote depositing / withdrawing part 60 pays out the banknotes paid to the user from the denomination cassette and discharges it from the banknote slot 14.

  The coin deposit / withdrawal unit 70 discriminates the authenticity of the coins deposited from the coin deposit / exit 15, counts the coins, and conveys them to a denomination cassette. Further, the coin deposit / withdrawal unit 70 feeds out coins to be paid to the user from a denomination-type cassette and discharges them from the coin slot 15.

  The power supply unit 80 supplies a drive voltage to each component of the automatic transaction apparatus 10. The storage unit 90 stores information acquired by the card processing unit 40 from the transaction cash card, various programs, and the like, and is also used as a work area by the control unit 110. The interface unit 95 is connected to the host computer 600 and exchanges information with the host computer 600.

  The control unit 110 controls each component of the automatic transaction apparatus 10. In addition, the control unit 110 performs various transaction processes (eg, passbook presence / absence change (passbookless account switching) transaction process, withdrawal process, balance inquiry process, and the like). Here, the passbook presence / absence change transaction process is a process of changing account information relating to the presence / absence of a passbook. The control unit 110 accepts various input operations (instruction operations). For example, the control unit 110 accepts a change instruction operation for instructing change of account information regarding the presence or absence of a passbook. Here, the change instruction operation includes a first change instruction operation for instructing a change from an account with a passbook to an account without a passbook and a second change instruction operation for instructing a change from an account without a passbook to an account with a passbook. It is divided.

  Further, the control unit 110 accepts the first change instruction operation regardless of whether or not the user's passbook is inserted into the passbook entry / exit 13. Further, when the user's passbook is inserted into the passbook entry / exit 13, the control unit 110 receives a discard presence / absence instruction operation for instructing whether to discard the inserted user's passbook. The discarding instruction operation is classified into a discarding instruction operation for instructing to discard the bankbook and a non-discarding instruction operation for instructing to return the bankbook.

  Furthermore, the control unit 110 accepts an unbooked handling instruction operation regarding handling of unbooked information. Unbooked handling instruction operations include undeposited discard instruction operation for discarding unrecorded information, unrecorded postal mail instruction operation for instructing mailing of unrecorded information to home, and posting unrecorded information on the homepage. The operation is classified into the unbooked posting instruction operation to be instructed.

  Further, when the second change instruction operation is accepted after the user's passbook is inserted into the passbook entry / exit 13, the control unit 110 returns an instruction to return the input user's passbook to the user. An instruction operation or a new issue instruction operation for instructing to newly issue a passbook is accepted.

  The host computer 600 is connected to a plurality of automatic transaction apparatuses 10 and communicates with these automatic transaction apparatuses 10. The host computer 600 also manages the storage device 610. The storage device 610 stores account information and user information in association with each other. The account information includes an account holder, a branch name, an account number, a deposit amount (balance), a passbook presence / absence flag indicating the presence / absence of a passbook, a personal identification number, and unbooked information. The user information includes personal information such as the user's name and home address. The host computer 600 stores the unbooked information of the account with passbook in the storage device 610 as a part of the account information.

[Procedure for processing by automatic transaction equipment]
Next, the procedure of processing by the automatic transaction apparatus 10 will be described along the flowcharts shown in FIGS. 3A to 3C. In step S <b> 10, the control unit 110 displays a customer waiting screen shown in FIG. 4 on the customer service unit 16. On the customer waiting screen, a plurality of touch buttons 100 on which various transaction items (such as “withdrawal”) are described are drawn. Here, the touch button 100 also includes a “change (switch) to bankbook-less account” button 100a.

  In step S20, the control unit 110 determines whether or not the “change to passbookless account” button 100a has been touched. If the control unit 110 determines that the “change to passbook-less account” button 100a has been touched, the control unit 110 proceeds to step S40, and determines that a touch button 100 other than the “change to passbook-less account” button 100a has been touched. If so, the process proceeds to step S30.

  In step S30, control unit 110 performs a transaction corresponding to touched touch button 100, that is, a normal transaction. Thereafter, the control unit 110 ends the process. On the other hand, the control part 110 performs a passbook presence / absence change transaction process by performing the process after step S40.

  In step S40, control unit 110 accepts a change instruction operation. Specifically, the control unit 110 displays the transaction screen shown in FIG. On this transaction screen, a “new application” button 100b and a “cancel application” button 100c are drawn. The user touches the “new application” button 100b to perform a first change instruction operation, that is, an operation to instruct a change from an account with a passbook to an account without a passbook. On the other hand, the user touches the “cancel application” button 100c to perform a second change instruction operation, that is, an operation to instruct a change from an account without a passbook to an account with a passbook. That is, the second change instruction operation is an operation for canceling a change from an account with a passbook to an account without a passbook, but substantially an operation for instructing a change from an account without a passbook to an account with a passbook.

  Note that the control unit 110 can accept the second change instruction operation any time after the first change instruction operation is accepted. Therefore, the user may perform the second change instruction operation immediately after changing the account with passbook to the account without passbook. On the other hand, the user may perform the second change instruction operation after using the bankbookless account for a while.

  In step S <b> 50, the control unit 110 stores the operation information given from the customer service unit 16, that is, customer selection information in the storage unit 90. In step S60, the control unit 110 causes the user to select whether or not there is a bankbook. Specifically, the control unit 110 displays the transaction screen shown in FIG. On this transaction screen, a “passbook” button 100d and a “passbook” button 100e are drawn. When the user brings a passbook, the user touches the “passbook present” button 100d, and when the user does not bring the passbook, the user touches the “no passbook” button 100e.

  In step S <b> 70, the control unit 110 stores the operation information given from the customer service unit 16 in the storage unit 90, and determines whether the user brings a passbook based on the operation information. When it is determined that the user has brought a passbook, the control unit 110 proceeds to step S80, and when it is determined that the user has not brought a passbook, the control unit 110 proceeds to step S90.

  In step S80, the control unit 110 accepts insertion of a bankbook and a card, and displays a transaction screen shown in FIG. On this transaction screen, a message prompting the user to insert a card and a passbook into the automatic transaction apparatus 10 is drawn. The user inserts the bankbook into the bank entry / exit 13 and inserts the card into the card entrance / exit 12. The card processing unit 40 reads account information from the card and outputs it to the control unit 110. Thereafter, the control unit 110 proceeds to step S100.

  In step S90, the control unit 110 displays the transaction screen shown in FIG. 8 while accepting the insertion of the card. A message prompting the user to insert the card into the automatic transaction apparatus 10 is drawn on the transaction screen. The user inserts the card into the card slot 12. The card processing unit 40 reads account information from the card and outputs it to the control unit 110. Thereafter, the control unit 110 proceeds to step S100.

  As described above, the control unit 110 accepts insertion of a bankbook after accepting the first change instruction operation and the second change instruction operation. In other words, the control unit 110 accepts the first change instruction operation regardless of whether or not the user's passbook is inserted into the passbook entry / exit 13. Note that the control unit 110 may first accept the entry of a passbook, and accept the first change instruction operation when the passbook is entered.

  In step S100, control unit 110 accepts an input of a password. Specifically, the control unit 110 displays a transaction screen shown in FIG. 9 on the customer service unit 16. On the transaction screen, a password display field and a numeric keypad button 200 for inputting a password are drawn. Each time the user touches the numeric keypad 200, a personal identification number input mark (for example, “◯”) is displayed in the personal identification number display field. The control unit 110 stores the operation information given from the customer service unit 16, that is, the operation information regarding the password, in the storage unit 90.

  In step S110, the control unit 110 determines whether or not the “new application” button 100b has been touched based on the operation information stored in the storage unit 90, that is, whether or not the first change instruction operation has been performed. To do. When it is determined that the first change instruction operation has been performed, the control unit 110 proceeds to step S120. On the other hand, when it is determined that the “cancel application” button 100c has been touched, that is, the second change instruction operation has been performed, the control unit 110 proceeds to step S155.

  In step S <b> 120, the control unit 110 determines whether or not a passbook has been inserted into the passbook entry / exit 13. When it is determined that the bankbook has been inserted into the bankbook entry / exit 13, the control unit 110 proceeds to step S130, and when it is determined that the bankbook has not been inserted into the bankbook entry / exit 13, the process proceeds to step S150.

  In step S130, control unit 110 accepts a discard presence / absence instruction operation. Specifically, the control part 110 displays the transaction screen shown in FIG. On this transaction screen, a message for inquiring whether to discard the passbook, a “discard” button 100f, and a “return” button 100g are drawn. The user touches the “discard” button 100f to perform a discarding instruction operation, that is, an operation to instruct discarding of the bankbook. On the other hand, the user touches the “return” button 100g to perform a non-discard instruction operation, that is, an operation to instruct the return of the passbook.

  In step S140, the control unit 110 stores the operation information given from the customer service unit 16 in the storage unit 90, and determines whether or not a discard instruction operation has been performed based on the operation information. When it is determined that the discard instruction operation has been performed, the control unit 110 proceeds to step S150, and when it is determined that the bankbook is to be returned, the control unit 110 proceeds to step S160.

  In step S150, control unit 110 accepts an unbooked handling instruction operation. Specifically, the control unit 110 displays a transaction screen shown in FIG. This transaction screen includes a message for inquiring about the handling of unbooked information (that is, transaction history information not entered in the passbook), a “transaction history is not required” button 100h, a “transaction history is mailed to home” button 100i, , “Confirm details with WEB” button 100j is drawn. The user touches the “transaction history is not required” button 100h to perform an operation for instructing to discard unbooked information, that is, an operation for instructing to discard unbooked information. In addition, the user touches the “mail transaction history to home” button 100i to perform an operation for instructing unposted postal mail instruction, that is, an instruction to post unrecorded information to home. In addition, the user touches the “confirm details with WEB” button 100j to perform an operation for instructing to post unbooked information, that is, for placing unrecorded information on the homepage. The control unit 110 stores the operation information given from the customer service unit 16 in the storage unit 90.

  On the other hand, in step S155, the control unit 110 accepts a return instruction operation or a new issue instruction operation. Specifically, control unit 110 displays a transaction screen shown in FIG. On this transaction screen, a message for inquiring about the type of passbook to be returned, a “use passbook that has been used” button 100k, and a “issue a new passbook” button 100m are drawn. The user performs a return instruction operation, that is, an operation for instructing the user to return the inserted user's passbook by touching the “use passbook used until now” button 100k. On the other hand, the user touches the “issue a new passbook” button 100m to perform a new issue instruction operation, that is, an operation for instructing to issue a new passbook. The control unit 110 stores the operation information given from the customer service unit 16 in the storage unit 90.

  When the user performs a return instruction operation, the discard target passbook is returned, as will be described later. Therefore, when a storage period is set in the discard passbook, the control unit 110 may accept a return instruction operation only within the storage period. In addition, when a new issue instruction operation is performed, the control unit 110 determines whether or not the passbook processing unit 30 can issue a new passbook. When it is determined that the passbook processing unit 30 cannot issue a new passbook, the control unit 110 includes new issue impossible information to that effect in the operation information.

  Here, as a case where the passbook processing unit 30 cannot issue a new passbook, for example, if the passbook processing unit 30 does not have a new passbook issue function, the stock of unused passbook storage is out of stock. In some cases, the new issue function of the passbook processing unit 30 is restricted for some reason.

  In step S160, control unit 110 communicates with host computer 600. Specifically, the control unit 110 stores the operation information stored in the storage unit 90, that is, the operation information regarding the instruction operation performed by the user in steps S40 to S155, and the account information given from the card processing unit 40. The passbook change request information including it is generated and output to the interface unit 95. The interface unit 95 outputs the passbook change request information to the host computer 600. On the other hand, the control part 110 displays the transaction screen shown in FIG.

  The host computer 600 performs the following processing based on the passbook change request information. That is, the host computer 600 first searches the storage device 610 for account information indicated by the passbook change request information. Then, the host computer 600 acquires a personal identification number from the searched account information, and collates the acquired personal identification number with the personal identification number in the communication change request information.

  If these passwords match (if the password in the passbook change request information is correct), the host computer 600 updates the account information based on the communication change request information. Specifically, the host computer 600 updates the account information related to the presence / absence of the passbook based on the operation information related to the change instruction operation. For example, the host computer 600 changes the passbook presence / absence flag to “no passbook” when the first change instruction operation is performed, and the passbook presence / absence flag when the second change instruction operation is performed. Is changed to “With bankbook”. Further, the host computer 600 includes operation information other than the change instruction operation in the account information.

  Next, when the personal identification number in the passbook change request information is incorrect, the host computer 600 transmits rejection response information indicating that the personal identification number is incorrect to the automatic transaction apparatus 10. On the other hand, when the personal identification number in the passbook change request information is correct, the host computer 600 transmits permission response information to permit the change of the account information regarding the presence or absence of the passbook to the automatic transaction apparatus 10. Here, the host computer 600 includes the unbooked information in the permission response information when the discard non-instructing operation is performed. Further, the host computer 600 includes user information in the permission response information when a new issue instruction operation is performed.

  Further, the host computer 600 may delete the unbooked information from the account information after the response information is transmitted when the discard non-instructing operation or the unrecorded discard instruction operation is performed. Thereby, reduction of unrecorded information is achieved.

  The interface unit 95 receives the response information and outputs it to the control unit 110. When the rejection response information is given, the control unit 110 ends the passbook presence / absence change transaction process, and returns the card and passbook to the user. On the other hand, the control part 110 progresses to step S170, when permission response information is given.

  In step S170, the control unit 110 determines whether or not the “new application” button 100b is touched based on the operation information stored in the storage unit 90, that is, whether or not the first change instruction operation is performed. To do. When it is determined that the first change instruction operation has been performed, the control unit 110 proceeds to step S180. On the other hand, when it is determined that the “cancel application” button 100c has been touched, that is, the second change instruction operation has been performed, the control unit 110 proceeds to step S300.

  In step S <b> 180, the control unit 110 determines whether or not a passbook has been inserted into the passbook entry / exit 13. When it is determined that the bankbook has been inserted into the bankbook entry / exit 13, the control unit 110 proceeds to step S190, and when it is determined that the bankbook has not been inserted into the bankbook entry / exit 13, the process proceeds to step S230.

  In step S190, the control unit 110 determines based on the operation information stored in the storage unit 90 whether or not a discard non-instruction operation has been performed, that is, whether or not a passbook return has been instructed. If the control unit 110 determines that a discard non-instruction operation has been performed, the control unit 110 proceeds to step S200. On the other hand, when it is determined that the discard instruction operation has been performed (that is, the bankbook is discarded), the control unit 110 proceeds to step S220.

  In step S200, the control unit 110 receives information indicating that the first change instruction operation has been received (that is, has accepted a change to a bankbook-less account), received date / time information, and unbooked information included in the permission response information. Are output to the passbook processing unit 30. The passbook processing unit 30 writes these pieces of information in the passbook. Next, the passbook processing unit 30 returns the passbook from the passbook entrance / exit 13, and the card processing unit 40 returns the card from the card entrance / exit 12.

  In step S <b> 210, the control unit 110 displays the transaction screen shown in FIG. 13 on the customer service unit 16. On this transaction screen, a message indicating that the first change instruction operation has been accepted and a message indicating the medium to be returned (passbook and card in this example) are drawn. Thereafter, the control unit 110 ends the passbook presence / absence change transaction process.

  On the other hand, in step S <b> 220, the control unit 110 outputs information indicating that the first change instruction operation has been received and reception date / time information to the passbook processing unit 30 and the statement slip processing unit 50. The passbook processing unit 30 writes these pieces of information in the passbook. Next, the passbook processing unit 30 stores the passbook in the input passbook storage.

  On the other hand, the statement slip processing unit 50 prints information indicating that the first change instruction operation has been accepted and reception date and time information on the statement slip. Next, the card processing unit 40 and the statement slip processing unit 50 return (discharge) the card and the statement slip from the card entrance / exit 12. Thereafter, the control unit 110 proceeds to step S240.

  A staff member such as a financial institution (hereinafter, also simply referred to as “bank”) collects the passbook from the input passbook storage and deletes the electronic information in the passbook (information recorded on the electronic recording medium). And a bank clerk keeps a passbook in the storehouse which is not illustrated. A storage period may be set for a passbook stored in the storage, that is, a discard target passbook. And a bank clerk may discard (for example, crush disposal) the disposal target passbook which passed the storage period. The storage period is not particularly limited, but may be one month, for example.

  On the other hand, in step S <b> 230, the control unit 110 outputs information indicating that the first change instruction operation has been received and reception date and time information to the statement slip processing unit 50. The statement slip processing unit 50 prints this information on the statement slip. Next, the card processing unit 40 and the statement slip processing unit 50 return (discharge) the card and the statement slip from the card entrance / exit 12. Thereafter, the control unit 110 proceeds to step S240.

  In step S240, the control unit 110 determines whether or not an unbooked discard instruction operation is performed in step S150 (that is, whether or not an instruction indicating that reference to unbooked information is unnecessary is performed). Control unit 110 proceeds to step S250 if it is determined that an unbooked discard instruction operation has been performed, and proceeds to step S260 if it is determined that a second or unbooked posting instruction operation has been performed.

  In step S250, control unit 110 presents to the user information indicating that the first change instruction operation has been accepted. Specifically, the control part 110 displays the transaction screen shown in FIG. On this transaction screen, a message indicating that the first change instruction operation has been accepted and a message indicating the medium to be returned (in this example, a card and a statement slip) are drawn. Thereafter, the control unit 110 ends the passbook presence / absence change transaction process.

  On the other hand, in step S260, control unit 110 determines whether or not an unbooked mail instruction operation is performed in step S150 (that is, whether or not an instruction to mail unrecorded information to the user's home is performed). Control unit 110 proceeds to step S270 when it is determined that an unbooked mail instruction operation has been performed, and proceeds to step S280 when it is determined that an unbooked mail instruction operation has been performed.

  In step S270, the control part 110 displays the transaction screen shown in FIG. This transaction screen shows a message indicating that the first change instruction operation has been accepted, a message indicating that the unbooked information is to be mailed to the user's home, and a medium to be returned (in this example, a card and a statement). A message is drawn. Thereafter, the control unit 110 ends the passbook presence / absence change transaction process. The bank employee obtains the unrecorded information of the user who has performed the unrecorded mail instruction operation from the storage device 610, and mails the document on which the unrecorded information is recorded to the user's home. Thereafter, the bank clerk deletes the unbooked information from the account information in the storage device 610. Thereby, unrecorded information is reduced.

  In step S280, the control part 110 displays the transaction screen shown in FIG. The transaction screen includes a message that the first change instruction operation has been accepted, and a message that mails information necessary for referring to unbooked information on the homepage (for example, ID and password) to the user's home. , A message indicating a medium to be returned (in this example, a card and a statement slip) is drawn. Thereafter, the control unit 110 ends the passbook presence / absence change transaction process. The bank employee obtains the unbooked information of the user who has performed the unbooked posting instruction operation from the storage device 610, and posts the unbooked information on the home page. Furthermore, the bank employee mails a document in which information (ID, password, etc.) necessary for browsing is recorded to the user's home. Thereafter, the bank clerk deletes the unbooked information from the account information in the storage device 610. Thereby, unrecorded information is reduced.

  In step S300, the control unit 110 determines whether or not a new issue instruction operation has been performed based on the operation information given from the customer service unit 16. When it is determined that a new issue instruction operation has been performed, the control unit 110 proceeds to step S310, and when it is determined that a return instruction operation has been performed, the control unit 110 proceeds to step S360.

  In step S310, the control unit 110 determines whether or not the passbook processing unit 30 can issue a new passbook. When it is determined that the passbook processing unit 30 can issue a new passbook, the control unit 110 proceeds to step S320, and when the passbook processing unit 30 determines that a new passbook cannot be issued. Advances to step S340.

  In step S <b> 320, the control unit 110 outputs the account information given from the card processing unit 40 and the user information included in the response information to the passbook processing unit 30. The passbook processing unit 30 acquires an unused passbook from the unused passbook storage. The passbook processing unit 30 creates a new passbook by writing account information and user information in an unused passbook (specifically, writing to an electronic recording medium, printing on a paper surface, etc.). The bankbook processing unit 30 returns the new bankbook from the bankbook entrance / exit 13. On the other hand, the card processing unit 40 returns the card from the card slot 12.

  In step S330, the control part 110 displays the transaction screen shown in FIG. On this transaction screen, a message indicating that the second change instruction operation has been accepted, that is, a change to an account with a passbook (cancellation of a change to an account without a passbook) has been drawn. Thereafter, the control unit 110 ends the passbook presence / absence change transaction process.

  On the other hand, in step S340, the control unit 110 outputs information indicating that the second change instruction operation has been received and reception date / time information to the statement slip processing unit 50. The statement slip processing unit 50 prints this information on the statement slip. Next, the card processing unit 40 and the statement slip processing unit 50 return (discharge) the card and the statement slip from the card entrance / exit 12. Thereafter, the control unit 110 proceeds to step S350.

  In step S350, the control unit 110 displays a transaction screen shown in FIG. On this transaction screen, a message is drawn indicating that the second change instruction operation has been accepted, the inserted passbook is returned, and the reason why a new passbook is not issued. Thereafter, the control unit 110 ends the passbook presence / absence change transaction process. The bank employee acquires the account information and user information including the new issuance information from the account information stored in the storage device 610, and takes out the passbook to be returned from the storage based on the acquired account information and user information. Then, the bank employee restores the electronic information of the passbook based on the account information and the user information. And a bank employee mails a bankbook to a user's home. When the storage period has expired, the clerk performs the same process using the unused passbook.

  On the other hand, in step S <b> 360, the control unit 110 outputs information indicating that the second change instruction operation has been received and reception date / time information to the statement slip processing unit 50. The statement slip processing unit 50 prints this information on the statement slip. Next, the card processing unit 40 and the statement slip processing unit 50 return (discharge) the card and the statement slip from the card entrance / exit 12. Thereafter, the control unit 110 proceeds to step S370.

  In step S370, the control unit 110 displays the transaction screen shown in FIG. On this transaction screen, a message indicating that the second change instruction operation has been accepted and that the inserted bankbook is to be returned is drawn. Thereafter, the control unit 110 ends the passbook presence / absence change transaction process. The bank employee acquires the account information and user information including the new issuance information from the account information stored in the storage device 610, and takes out the passbook to be returned from the storage based on the acquired account information and user information. Then, the bank employee restores the electronic information of the passbook based on the account information and the user information. And a bank employee mails a bankbook to a user's home. When the storage period has expired, the clerk performs the same process using the unused passbook.

  As described above, in the first embodiment, the automatic transaction apparatus 10 receives a change instruction operation for instructing a change of account information related to the presence or absence of a passbook. Therefore, the user can change the account information related to the presence or absence of the passbook by performing a change instruction operation on the automatic transaction apparatus 10, and therefore can easily change the account information. Furthermore, since it is expected that a user who frequently uses the card will change his / her account to an account without a passbook, a significant reduction in unbooked information is also expected. As a result, it is expected that the storage cost of unbooked information by the host computer 600 is reduced, and further downsizing of the host computer 600 and the storage device 610 is also expected.

  Furthermore, the automatic transaction apparatus 10 accepts a first change instruction operation for instructing a change from an account with a passbook to an account without a passbook. Therefore, the user can easily change from an account with a passbook to an account without a passbook.

  Furthermore, when the user's passbook is inserted into the passbook entry / exit, the automatic transaction apparatus 10 receives a discard presence / absence instruction operation for instructing whether or not to discard the inserted user's passbook. Therefore, the user can discard the bankbook in parallel with the change procedure.

  Furthermore, the automatic transaction apparatus 10 accepts a change instruction operation regardless of whether or not the user's passbook is inserted into the passbook entry / exit. Therefore, the user can perform the change procedure even when he / she does not bring a bankbook.

  Further, the automatic transaction apparatus 10 accepts an unbooked handling instruction operation regarding handling of unbooked information. Therefore, the user can also perform the procedure regarding handling of unbooked information in parallel with the change procedure.

  Furthermore, the automatic transaction apparatus 10 accepts a second change instruction operation for instructing a change from an account without a passbook to an account with a passbook. Therefore, the user can easily perform a change procedure from an account without a passbook to an account with a passbook.

  Furthermore, the automatic transaction apparatus 10 returns the instruction to return the inserted user's passbook to the user when the second change instruction operation is accepted after the user's passbook is input to the passbook entry / exit. An instruction operation or an instruction operation for instructing to newly issue a passbook is accepted. Therefore, the user can receive a desired passbook.

<2. Second Embodiment>
Next, a second embodiment will be described. The configuration of the automatic transaction apparatus 10 according to the second embodiment is the same as the configuration of the automatic transaction apparatus 10 according to the first embodiment.

[Processing by automatic transaction equipment]
Next, the procedure of the process by the automatic transaction apparatus 10 will be described along the flowchart shown in FIG. In step S290, control unit 110 performs the same process as in step S10 described above.

  In step S <b> 295, the control unit 110 determines whether or not the “balance inquiry” button 100 is touched based on the operation information given from the customer service unit 16. When it is determined that the “balance inquiry” button 100 is touched, the control unit 110 proceeds to step S310, and when it is determined that a button other than the “balance inquiry” button 100 is touched, the control unit 110 proceeds to step S300.

  In step S300, the control unit 110 performs a process corresponding to the touched button, that is, a normal transaction. Note that the control unit 110 performs the processing of the first embodiment when the “change to bankbook-less account” button 100a is touched.

  In step S310, the control unit 110 accepts card insertion and input of a personal identification number. Specifically, after the card is inserted, the control unit 110 displays a transaction screen shown in FIG. On the transaction screen, a password display field and a numeric keypad button 200 for inputting a password are drawn. The specific processing content is the same as in step S100 described above. On the other hand, the card processing unit 40 reads account information from the card and outputs it to the control unit 110.

  In step S320, control unit 110 generates balance request information including account information, a password, and information requesting a balance. The control unit 110 outputs the balance request information and the unbooked number request information for requesting notification of whether there is a large amount of unbooked information to the interface unit 95. The interface unit 95 transmits these pieces of information to the host computer 600. On the other hand, the control part 110 displays the transaction screen shown in FIG.

  The host computer 600 checks the personal identification number based on the balance request information. The specific processing content is the same as in the first embodiment. When the personal identification number in the balance request information is correct, the host computer 600 acquires the balance from the account information stored in the storage device 610. Further, the host computer 600 counts the number of unbooked information in the account information, and determines whether these are greater than a predetermined number. The predetermined number of specific values is not particularly limited, but may be about 50, for example.

  When the personal identification number in the balance request information is incorrect, the host computer 600 transmits rejection response information to the automatic transaction apparatus 10. When the personal identification number in the balance request information is correct, the host computer 600 transmits permission response information regarding the balance, the number of unrecorded information (number of cases), and the determination result to the automatic transaction apparatus 10. The interface unit 95 receives the response information and outputs it to the control unit 110. When the rejection response information is given, the control unit 110 ends this process and returns the card to the user. On the other hand, the control part 110 progresses to step S330, when permission response information is given.

  In step S330, control unit 110 determines whether or not there is an instruction that there is more than a predetermined number of unrecorded information based on the permission response information. When it is determined that there is an instruction that there is more than a predetermined number of unrecorded information, the control unit 110 proceeds to step S340, and when it is determined that there is no instruction that there is more than a predetermined number of unrecorded information. Advances to step S400.

  In step S340, the control unit 110 prompts the user to change from an account with a passbook to an account without a passbook. Specifically, control unit 110 displays a transaction screen shown in FIG. On this transaction screen, the number of unbooked information, a message prompting the user to change from an account with passbook to an account without passbook, a “No” button 100n, and a “Yes” button 100p are drawn. The user rejects the change to the account without a passbook by touching the “No” button 100n, and performs the first change instruction operation described above by touching the “Yes” button 100p.

  In step S350, based on the operation information given from the customer service unit 16, the control unit 110 determines whether or not the user desires to change to an account without a passbook, that is, whether or not the first change instruction operation has been performed. Determine whether. When it is determined that the first change instruction operation has been performed, the control unit 110 proceeds to step S360, and when it is determined that the first change instruction operation has not been performed, the control unit 110 proceeds to step S400.

  In step S360, the control part 110 receives various instruction | indication operation from a user by performing the process of step S60-S150 among the bankbook presence / absence change transaction processes mentioned above. Note that step S100 may be omitted. In step S370, control unit 110 communicates with host computer 600 by performing the same processing as in step 160 described above.

  In step S380, the control part 110 notifies a user of the result of a passbook presence / absence change transaction process by performing the process of steps S170-S280 among the above-mentioned passbook presence / absence change transaction processes. Here, in the processes of steps S200, S220, and S230, the passbook processing unit 30, the card processing unit 40, and the detailed slip processing unit 50 record in the passbook and create the detailed slip as in the first embodiment. Yes, but do not return (discharge) cards, passbooks, and statement slips. The statement slip processing unit 50 prints the balance on the statement slip.

  Further, in steps S210, S250, S270, and S280, control unit 110 displays a balance and the like in addition to the message shown in any of FIGS. However, a message indicating the medium to be returned is not drawn on the transaction screen. FIG. 25 shows a display example. On this transaction screen, a balance, a message indicating that the first change instruction operation has been accepted, and an “end” button 100q are drawn. When the “end” button 100q is touched, the control unit 110 proceeds to step S420.

  On the other hand, control unit 110 performs the same processing as the conventional balance processing in the processing after step S400. Specifically, in step S400, control unit 110 displays a transaction screen shown in FIG. On this transaction screen, a balance, a message for inquiring whether to perform a continuous transaction, a “withdrawal” button 100r, a “transfer” button 100s, and an “end” button 100q are drawn.

  In step S410, control unit 110 determines whether or not “end” button 100q has been touched. When it is determined that the “end” button 100q is touched, the control unit 110 proceeds to step S420, and when it is determined that a button other than the “end” button 100q is touched, the control unit 110 proceeds to step S430.

  In step S420, the passbook processing unit 30 and the card processing unit 40 return the medium input by the user. In addition, when the statement slip processing unit 50 creates the statement slip, the statement slip processing unit 50 discharges the statement slip. Further, the control unit 110 displays a transaction screen on which a message indicating the medium to be returned is drawn on the customer service unit 16. A display example is shown in FIG. Thereafter, the control unit 110 ends this process.

  In step S430, control unit 110 determines whether or not “drawer” button 100r is touched. When it is determined that the “drawer” button 100r is touched, the control unit 110 proceeds to step S440, and when it is determined that the “transfer” button 100s is touched, the control unit 110 proceeds to step S450.

  In step S440, control unit 110 performs a process similar to the conventional drawing process. Thereafter, the control unit 110 ends this process. On the other hand, in step S450, control unit 110 performs a process similar to the conventional transfer process. Thereafter, the control unit 110 ends this process.

  As described above, in the second embodiment, the automatic transaction apparatus 10 prompts the user to change from an account with a passbook to an account without a passbook when the user's unbooked information is greater than a predetermined number. It is possible to make a change to a bankbookless account more reliably for a user with many users. Therefore, the automatic transaction apparatus 10 can reduce unrecorded information more reliably. In the second embodiment, the passbook presence / absence change transaction process is performed during the balance inquiry, but the passbook presence / absence change transaction process may be performed during another automatic transaction.

  Further, the automatic transaction apparatus 10 transmits information related to the passbook presence / absence change transaction process to the host computer 600 together with information related to transaction processes other than the passbook presence / absence change transaction process. Specifically, the automatic transaction apparatus 10 transmits unrecorded number request information to the host computer 600 together with balance request information. That is, the automatic transaction apparatus 10 can transmit the unbooked number request information to the host computer 600 in the communication process (the process of step S320) in the balance inquiry. Therefore, the automatic transaction apparatus 10 does not need to perform a separate communication process for transmitting the unrecorded number request information to the host computer 600, and thus can reduce the number of communication processes.

<3. Third Embodiment>
Next, a third embodiment will be described. In the first to second embodiments described above, the automatic transaction apparatus 10 needs to perform communication processing for transmitting operation information input by the user to the host computer 600 separately from communication processing for other transactions. (See steps S160 and S370). Therefore, the automatic transaction apparatus 10 according to the third embodiment reduces the number of communication processes by incorporating a communication process for transmitting operation information input by the user to the host computer 600 in a communication process of another transaction. To do. Schematically, the automatic transaction apparatus 10 incorporates a communication process for transmitting operation information input by a user to the host computer 600 in a communication process for continuous transactions. The configuration of the automatic transaction apparatus 10 according to the third embodiment is the same as the configuration of the automatic transaction apparatus 10 according to the first and second embodiments.

[Procedure for processing by automatic transaction equipment]
Next, a procedure of processing by the automatic transaction apparatus 10 will be described. In step S460, control unit 110 performs balance inquiry. Specifically, control unit 110 performs the processes of steps S290 to S320 described above, and then performs the process of S400. Next, the control unit 110 determines whether or not the “drawer” button 100r is touched. When it is determined that the “drawer” button 100r has been touched, the control unit 110 proceeds to step S470, and when it is determined that another button has been touched, the process ends.

  The controller 110 performs the withdrawal process and the passbook presence / absence change transaction process in parallel by performing the processes after step S470. Specifically, in step S470, control unit 110 determines whether or not there is an instruction that there is more than a predetermined number of unbooked information based on the response information acquired in step S460. When it is determined that there is an instruction that there is more than a predetermined number of unrecorded information, the control unit 110 proceeds to step S480, and when it is determined that there is no instruction that there is more than a predetermined number of unrecorded information. Advances to step S510.

  In step S480, control unit 110 prompts the user to change from an account with passbook to an account without passbook. Specifically, control unit 110 displays a transaction screen shown in FIG. On this transaction screen, the number of unbooked information, a message prompting the user to change from an account with passbook to an account without passbook, a “No” button 100n, and a “Yes” button 100p are drawn. The user rejects the change to the account without a passbook by touching the “No” button 100n, and performs the first change instruction operation described above by touching the “Yes” button 100p.

  Therefore, the control unit 110 uses the response information acquired by the balance inquiry for the withdrawal process which is a process different from the balance inquiry. However, since the balance inquiry and the withdrawal process are performed continuously, that is, performed by the same user, there is no problem even if the control unit 110 performs the process as described above.

  In step S490, the control unit 110 determines whether or not the user desires to change to a bankbookless account based on the operation information given from the customer service unit 16, that is, whether or not the first change instruction operation has been performed. Determine whether. When it is determined that the first change instruction operation has been performed, the control unit 110 proceeds to step S500, and when it is determined that the first change instruction operation has not been performed, the control unit 110 proceeds to step S510.

  In step S500, the control part 110 receives various instruction | indication operation from a user by performing the process of step S60-S150 among the bankbook presence / absence change transaction processes mentioned above. Note that step S100 may be omitted.

  In step S510, control unit 110 accepts an input of a password. Specifically, control unit 110 displays a transaction screen shown in FIG. On the transaction screen, a password display field and a numeric keypad button 200 for inputting a password are drawn. Each time the user touches the numeric keypad 200, a personal identification number input mark (for example, “◯”) is displayed in the personal identification number display field. The control unit 110 stores the operation information given from the customer service unit 16, that is, the operation information regarding the password, in the storage unit 90.

  In step S520, control unit 110 accepts input of a withdrawal amount. Specifically, the control part 110 displays the transaction screen shown in FIG. On this transaction screen, a withdrawal amount display field and a ten-key button 200 for entering the withdrawal amount are drawn. In the withdrawal amount display column, the withdrawal amount input by the user is displayed. The control unit 110 stores the operation information given from the customer service unit 16, that is, the operation information related to the withdrawal amount, in the storage unit 90.

  In step S530, control unit 110 communicates with host computer 600. Specifically, the control unit 110 outputs the passbook change request information and the operation information regarding the withdrawal amount to the interface unit 95. The interface unit 95 transmits these pieces of information to the host computer 600. On the other hand, the control part 110 displays the transaction screen shown in FIG.

  Based on the passbook change request information, the host computer 600 performs the same processing as in step S160 described above. However, if the password in the passbook change request information is correct, the host computer 600 performs the process of the first embodiment and subtracts the withdrawal amount from the balance. Further, the permission response information includes the balance after subtraction.

  Next, the interface unit 95 receives the response information and outputs it to the control unit 110. When the rejection response information is given, the control unit 110 ends this processing and returns the card and the passbook to the user. On the other hand, the control part 110 progresses to step S540, when permission response information is given.

  In step S540, control unit 110 performs a process similar to the conventional drawer process. In step S550, the control part 110 notifies a user of the result of a passbook presence / absence change transaction process by performing the process of steps S170-S280 among the above-mentioned passbook presence / absence change transaction processes. Here, in the processing of steps S200, S220, and S230, the passbook processing unit 30 and the statement slip processing unit 50 perform the same processing as in the first embodiment, and print the withdrawal amount and balance on the passbook or statement slip. To do. Furthermore, the banknote depositing / withdrawing unit 60 pays the banknote for the withdrawal amount to the user. Further, in steps S210, S250, S270, and S280, control unit 110 displays a balance and the like in addition to the message shown in any of FIGS. Thereafter, the control unit 110 ends this process.

  As described above, in the third embodiment, the automatic transaction apparatus 10 uses the host computer with the operation information input in the passbook presence / absence change transaction process, that is, the passbook presence / absence change operation information together with the information related to the withdrawal process other than the passbook presence / absence change transaction process. 600. Specifically, the automatic transaction apparatus 10 transmits the passbook presence / absence change operation information to the host computer 600 together with the operation information regarding the withdrawal amount.

  That is, the automatic transaction apparatus 10 can transmit the passbook presence / absence change operation information to the host computer 600 in the communication process (the process of step S530) in the withdrawal process. Therefore, the automatic transaction apparatus 10 does not need to separately perform a communication process for transmitting the passbook presence / absence change operation information to the host computer 600, so that the number of communication processes can be reduced.

  In particular, the automatic transaction apparatus 10 transmits the unbooked number request information together with the balance request information to the host computer 600, and transmits the passbook presence / absence change operation information to the host computer 600 together with the operation information related to the withdrawal amount. Therefore, the automatic transaction apparatus 10 can incorporate the communication process performed in the first embodiment and the second embodiment into the communication process in the continuous transaction (balance inquiry process and withdrawal process). Therefore, the automatic transaction apparatus 10 does not need to perform a communication process different from the communication process of the continuous transaction, and can reduce the number of communication processes.

  In the third embodiment, the automatic transaction apparatus 10 performs the passbook presence / absence change transaction process during the balance inquiry and withdrawal process, but may perform the passbook presence / absence change transaction process during other continuous transactions.

  The preferred embodiments of the present invention have been described in detail above with reference to the accompanying drawings, but the present invention is not limited to such examples. It is obvious that a person having ordinary knowledge in the technical field to which the present invention pertains can come up with various changes or modifications within the scope of the technical idea described in the claims. Of course, it is understood that these also belong to the technical scope of the present invention. For example, the wording of the message displayed on the transaction screen is not limited to the example described above.

DESCRIPTION OF SYMBOLS 10 Automatic transaction apparatus 12 Card entry / exit 13 Passbook entry / exit 16 Customer service part 30 Passbook process part 40 Card process part 50 Detail slip process part 110 Control part 600 Host computer 610 Storage device

Claims (7)

Accepting a change instruction operation for instructing change of account information related to the presence or absence of a passbook, and when the change instruction operation is accepted, an unbooked handling instruction for handling unbooked information that was unbooked at the time of accepting the change instruction operation A control unit for accepting operations;
Automatic transaction device. The unrecorded handling instruction operation includes an unrecorded discard instruction operation for instructing the disposal of the unrecorded information, an unrecorded mail instruction operation for instructing mailing of unrecorded information to the home, and unrecorded information on the homepage. It is divided into an unbooked posting instruction operation that instructs
The automatic transaction apparatus according to claim 1. The control unit accepts the change instruction operation regardless of whether or not a bankbook is inserted.
The automatic transaction apparatus according to claim 1 or 2. When the bankbook is inserted, the control unit accepts a discard presence / absence instruction operation for instructing whether to discard the inserted bankbook,
The automatic transaction apparatus as described in any one of Claims 1-3. The discard presence / absence instruction operation is divided into a discard-with-instruction operation for instructing to discard the passbook and a no-discard instruction operation for instructing to return the passbook.
The automatic transaction apparatus according to claim 4. The change instruction operation is classified into a first change instruction operation for instructing a change from an account with a passbook to an account without a passbook and a second change instruction operation for instructing a change from an account without a passbook to an account with a passbook. The
The automatic transaction apparatus as described in any one of Claims 1-5. The control unit accepts the unbooked handling instruction operation when the first change instruction operation is accepted;
The automatic transaction apparatus according to claim 6.

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