JP2006350877A - Automatic transaction device and system with value transfer function of electronic money - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an automatic transaction device which has the function of simultaneously storing electronic money cards of value transfer source and transfer destination, transfers the value charged to the money card of the transfer source to that of the transfer destination, enables a user to transfer the value with ease and in a short time, and saves time without feeling troublesome. <P>SOLUTION: An automatic transaction device 11, includes a medium treating device treating a medium which can charge a value of electronic money and an operating device with a display device and an input device. When transactions in value transfer among a plurality of media through an operation are selected by an operation of the operating device, the treating device simultaneously stores the media at the transfer source and destination to transfer the value charged in the medium at the transfer source to that of the transfer destination. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to an automatic transaction apparatus and system with a value transfer function for electronic money.

  Conventionally, customers who have opened accounts at financial institutions such as banks, credit unions, post offices, etc. are ATMs (Automatic Teller Machines) and CDs (Cash Dispensers) installed at branches of financial institutions. By operating an automatic transaction device such as a payment machine, various financial transactions such as deposit, withdrawal, passbook entry, balance verification, transfer, transfer, remittance, time deposit, etc. can be performed. .

In recent years, the practical use of IC card type electronic money using an IC card in which an IC chip is embedded in a plastic card as a management storage medium is progressing. Such electronic money is generally referred to as a store value type, and an IC card is filled with electronic value that is issued in exchange for cash, account deposits, etc. It is a settlement means that completes the settlement by passing a value corresponding to the amount to the trading partner when purchasing. Then, an electronic money card that also functions as an electronic money that adds an electronic money function to an IC card type cash card and an electronic money card that also functions as an electronic money to an IC card type credit card are proposed. Has been. Furthermore, a system that can charge an electronic money card using the automatic transaction apparatus has been proposed (see, for example, Patent Document 1).
JP-A-11-143976

  However, since the conventional automatic transaction apparatus does not have a function of transferring value from one electronic money card to the other electronic money card, the user duplicates the operation of the automatic transaction apparatus. It has to be done, feels bothersome and spends a long time.

  FIG. 2 is a first diagram showing a value transfer operation in a conventional automatic transaction apparatus, FIG. 3 is a second diagram showing a value transfer operation in a conventional automatic transaction apparatus, and FIG. 4 is a conventional automatic transaction apparatus. It is a 3rd figure which shows the operation | movement of value transfer in a transaction apparatus.

  For example, when an electronic money card is also used as a credit card, an expiration date is set for the credit card, so it is necessary to perform an update process every predetermined period. At that time, it is necessary to transfer the value from the old electronic money card to the new electronic money card. Similarly, when the user has a plurality of electronic money cards and wants to collect charges on any one electronic money card, it is necessary to transfer the value in the same manner.

  In such a case, as shown in FIG. 2, the user must operate the automatic transaction apparatus 101 to transfer the value 104 charged in one electronic money card 102 to the other electronic money card 103. There is. However, since the automatic transaction apparatus 101 does not have a function of transferring value, the user first operates the automatic transaction apparatus 101 as shown in FIG. It is necessary to refund the charged value 104 and to withdraw the cash 105 corresponding to the value 104. Subsequently, as shown in FIG. 4, the user operates the automatic transaction apparatus 101 again to deposit the cash 105, and charges the value 104 corresponding to the amount of the cash 105 to the other electronic money card 103. Had to do.

  However, the value can be transferred by requesting a counter such as a branch of a financial institution without operating the automatic transaction apparatus. However, in that case, the business burden of a person who operates an electronic money system such as a financial institution increases. In addition, since the opening hours and location of the window are limited, the user feels inconvenient.

  The present invention solves the problems of the conventional automatic transaction apparatus, and simultaneously accommodates the value transfer source and transfer destination electronic money cards, and stores the value charged in the transfer source electronic money card. Electronic that has the function of transferring to an electronic money card at the transfer destination, allows users to transfer values easily and in a short time, does not feel bothersome, and saves time An object is to provide an automatic transaction apparatus and system with money value transfer function.

  Therefore, in the automatic transaction apparatus with electronic money value transfer function of the present invention, an automatic transaction having a medium handling apparatus that handles a medium that can charge the value of electronic money, and an operation apparatus that includes a display device and an input device. When a transaction for transferring value between a plurality of media is selected by operation of the operation device, the medium handling device simultaneously accommodates a transfer source medium and a transfer destination medium, The value charged in the medium is transferred to the destination medium.

  In another automatic transaction apparatus with a value transfer function for electronic money according to the present invention, the medium handling apparatus may further perform a transaction for transferring a value when the transfer source medium has expired. After completion, the transfer source medium is collected.

  In still another automatic transaction apparatus with a value transfer function for electronic money according to the present invention, the medium is an IC card including an IC for storing a value value.

  In the automatic transaction system with electronic money value transfer function of the present invention, a medium handling device that handles a medium that can charge the value of electronic money, and an automatic transaction device that includes an operation device that includes a display device and an input device, A management center that is connected to the automatic transaction apparatus and includes an electronic money management server that manages electronic money, and the automatic transaction apparatus is capable of performing a transaction for transferring values between a plurality of media by operating the operation apparatus. When selected, the medium handling device simultaneously accommodates the transfer source and transfer destination media, communicates with the management center to verify the identity, and transfers the value charged in the transfer source medium. The electronic money management server updates the management information of the electronic money.

  In another automated transaction system with a value transfer function of electronic money according to the present invention, the medium handling device may further perform a transaction for transferring a value when the transfer source medium has expired. After completion, the transfer source medium is collected.

  In still another electronic transaction system with a value transfer function for electronic money according to the present invention, the medium is an IC card including an IC for storing a value value.

  According to the present invention, an electronic money automatic transaction apparatus with a value transfer function of electronic money simultaneously stores a value transfer source and a transfer destination electronic money card, and the value charged in the transfer source electronic money card To the destination electronic money card. For this reason, the user can easily transfer the value in a short time, and can save time without feeling troublesome.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

  FIG. 1 is a diagram showing an overall configuration of a system in an embodiment of the present invention, and FIG. 5 is a diagram showing a configuration of an automatic transaction apparatus in an embodiment of the present invention. 5A is a perspective view showing the external appearance of the automatic transaction apparatus, and FIG. 5B is a block diagram showing the configuration of the automatic transaction apparatus.

  In FIG. 1, reference numeral 10 denotes an automatic transaction system having an electronic money value transfer function according to the present embodiment, and includes a management center 21 as a computer center and automatic transaction apparatuses 11a to 11g. The automatic transaction apparatuses 11a to 11g are ATMs and CDs to be managed in the management center 21 and are usually plural, but the number can be arbitrarily set. In addition, when describing the said automatic transaction apparatuses 11a-11g integrally, it demonstrates as the automatic transaction apparatus 11. FIG.

  Here, the automatic transaction apparatus 11 is installed in a branch office of a financial institution such as a bank, a credit union, a post office or the like, and a user operates the automatic transaction apparatus 11 by himself / herself to deposit and withdraw money. Various financial transactions such as money, passbook entry, balance inquiry, transfer, transfer, remittance, fixed deposit, etc. are performed.

  The automatic transaction apparatus 11 in the present embodiment can handle IC card type electronic money using an IC card in which an IC chip is embedded in a plastic card as a management storage medium. The transaction apparatus 11 can be operated by itself to charge the value of the electronic money card, refund the value of the electronic money card, transfer the value of the electronic money card, and the like. The value value of electronic money, that is, the value value is stored in the IC. Such an electronic money card as a medium capable of charging the value of electronic money may be an electronic money card that also serves as a cash card in which a function as electronic money is added to an IC card type cash card. It may be an electronic money card that also serves as a credit card in which a function of electronic money is added to a type of credit card.

  And the headquarters, branches, etc. of the financial institutions, stores of convenience stores, supermarkets, department stores, etc., station premises, underground malls, city halls, public facilities such as hospitals, private companies such as factories, offices, parking lots, roads You may arrange | position in any places, such as outdoors, such as a side (side). The automatic transaction apparatus 11 has other functions such as issuing a shopping ticket, adding points accumulated in a point card, a ticket reservation function, a product purchase application function, a credit card credit confirmation function, and a facility information guidance function. A multi-function terminal such as a kiosk terminal having the above may be used. The user is a person who opens his / her own account at a financial institution and uses the financial institution, and is generally an individual, but may be a company, an organization, or the like.

  Here, the automatic transaction apparatus 11 is a kind of computer that includes an operation means such as a CPU and an MPU, a storage means such as a semiconductor memory and a magnetic disk, a communication interface, and the like, and operates according to a program. Then, as shown in FIG. 5, the automatic transaction apparatus 11 inputs an input device 17 such as a numeric keypad and a touch panel, a display device 16 such as a CRT, a liquid crystal display, and an LED (Light Emitting Diode) display, and a customer's voice. And a voice input device (not shown) such as a microphone for voice, a voice output device (not shown) such as a speaker for voice guidance, and the like. Note that the display device 16 is preferably a touch panel having the function of the input device 17 so that the user can easily perform the operation.

  The automatic transaction apparatus 11 has a card processing apparatus 13 as a medium handling apparatus that handles cards such as cash cards, credit cards, and electronic money cards. The card processing device 13 can handle a magnetic card whose storage means for storing information such as an account number is a magnetic stripe and an IC card whose storage means is an IC. The card processing device 13 can handle cash cards and credit cards issued by other financial institutions, and it is desirable to handle other types of cards such as debit cards. The card processing device 13 includes a card slot (not shown) into which a card is inserted and ejected, and the card slot is stored in a transport device that transports the card, and a magnetic stripe or IC of the card. A recording head such as a magnetic head for reading, overwriting and erasing information is provided. That is, the card processing device 13 functions as a card reader / writer. The card processing device 13 can accommodate and handle a plurality of cards at the same time.

  Further, the automatic transaction apparatus 11 has a receipt printer 12 for issuing a transaction statement slip, that is, a receipt. The receipt includes deposit, withdrawal, passbook entry, balance inquiry, transfer, transfer, remittance, time deposit setting, electronic money card value charge, electronic money card value refund, electronic money card value transfer This is a piece of paper on which information relating to a transaction made by a customer such as a replacement is printed, and an account number, a transaction type, a transaction amount, etc. are printed. The receipt may be issued only when the user desires. The receipt printer 12 can also issue other paper pieces such as shopping tickets. The issued receipt is discharged from the card slot together with the card.

  Further, the automatic transaction apparatus 11 has a passbook entry device (not shown) for making an entry in a passbook such as a deposit passbook. Here, the passbook is a booklet passbook such as a deposit passbook issued by a financial institution to a user, and records various financial transactions such as deposit, withdrawal, transfer, transfer, remittance, and periodic deposit setting. Is printed. The front cover or back cover of the passbook is provided with a magnetic stripe for storing information such as name and account number. Further, the member for storing the information may be an IC embedded in a passbook instead of the magnetic stripe.

  The passbook entry device includes a passbook slot into which a passbook is inserted, and a transfer device that conveys the passbook, a print head that prints the record of the financial transaction on the passbook, and a passbook magnetic field A recording head such as a magnetic head for reading, overwriting and erasing information stored in a stripe or IC is provided.

  The automatic transaction apparatus 11 includes a banknote depositing / dispensing machine 14 that handles banknotes and a coin depositing / dispensing machine 15 that handles coins. The banknote depositing / withdrawing machine 14 and the coin depositing / withdrawing machine 15 receive and count the cash deposited by the user in transactions such as depositing and charging the value of the electronic money card, etc. A predetermined amount of cash is paid out from a cash receiving port in a transaction such as a refund of card value. The cash receiving port is provided with a shutter that can be opened and closed, and the shutter is opened when paying out cash.

  The automatic transaction apparatus 11 further includes a communication device 18 for communicating with the management center 21. The communication device 18 is, for example, a router, and transmits and receives data to and from the management center 21 via communication networks 31 and 32 as shown in FIG.

  On the other hand, the management center 21 is a host computer 22 as a higher-level device of the accounting system in a financial institution, a front-end processor 23 that performs pre-processing for the host computer 22, and an automatic transaction that monitors the operation of the automatic transaction apparatus 11 An apparatus monitoring server 24, an automatic transaction apparatus monitoring terminal 25 that is operated by an operator of the management center 21 to monitor the operation of the automatic transaction apparatus 11, and an electronic money management server 26 that manages electronic money are included.

  The host computer 22 is constructed in a computer system in a financial institution, and includes a calculation means such as a CPU and an MPU, a storage means such as a semiconductor memory and a magnetic disk, a communication interface, etc., and operates according to a program. It communicates with the automatic transaction apparatus 11 via 32 and processes various financial transactions related to the account opened in the financial institution. The host computer 22 may be a single computer such as a large general-purpose computer, or a plurality of computers connected organically such as a distributed server. It may be a thing or one of a plurality of systems constructed in a large computer.

  The front-end processor 23 is a so-called FEP (Front End Processor) connected to the host computer 22. For example, the front-end processor 23 separates data input / output processing that is slower than data processing from the host computer 22. Communication control and data format conversion such as line control, synchronization maintenance, and error check are performed. As a result, the host computer 22 can concentrate on data processing by reducing the communication load.

  The automatic transaction apparatus monitoring server 24 is a kind of computer that includes a calculation means such as a CPU and an MPU, a storage means such as a semiconductor memory and a magnetic disk, a communication means for communication, etc., and operates according to a program. Communication with the automatic transaction apparatus 11 is performed via the communication networks 31 and 32, and the operation of each automatic transaction apparatus 11 is monitored. In this case, the automatic transaction apparatus monitoring server 24 acquires various information such as operation information, transaction information, suspension information, failure information, and consumable consumption information from each automatic transaction apparatus 11 every predetermined time, and acquires the various information Tally, memory, etc.

  Then, an automatic transaction apparatus monitoring terminal 25 is connected to the automatic transaction apparatus monitoring server 24, and an operator of the management center 21 operates the automatic transaction apparatus monitoring terminal 25 to obtain various information acquired from each automatic transaction apparatus 11. Can be monitored. In addition, when a failure occurs in any of the automatic transaction apparatuses 11, or when the remaining amount of consumables such as receipt media falls below a reference value, the automatic transaction apparatus monitoring server 24 generates an alarm. The operator can be notified.

  Further, the electronic money management server 26 is a kind of computer including a calculation means such as a CPU and MPU, a storage means such as a semiconductor memory and a magnetic disk, a communication means for communication, etc. It communicates with the automatic transaction apparatus 11 via the networks 31 and 32 to manage transactions when a user uses an electronic money card. The electronic money management server 26 may be constituted by a single computer such as a large general-purpose computer, or a plurality of computers connected organically such as a distributed server. It may be one of a plurality of systems constructed in a large computer.

  The communication networks 31 and 32 may be any communication such as a wireless or wired dedicated communication network or public communication network, the Internet, an intranet, a LAN (Local Area Network), a WAN (Wide Area Network), a satellite communication network, etc. It may be a line network or a combination of these as appropriate. The communication networks 31 and 32 are preferably dedicated communication network, but may be VPN (Virtual Private Network) using a public communication network. Furthermore, the communication networks 31 and 32 are not necessarily configured separately, and may be configured integrally.

  Next, the operation of the automatic transaction system 10 having the above configuration will be described. Here, only the operation of transferring value from one electronic money card to another electronic money card will be described.

  FIG. 6 is a first diagram showing the transition of the operation screen of the automatic transaction apparatus in the embodiment of the present invention, FIG. 7 is a second diagram showing the transition of the operation screen of the automatic transaction apparatus in the embodiment of the present invention, FIG. 8 is a flowchart showing the operation of the automatic transaction system in the embodiment of the present invention.

  First, the automatic transaction apparatus 11 is in an operation waiting state as an initial state, and an operation selection screen as an operation waiting screen is displayed on the operation screen 35 of the display device 16 as shown in FIG. Is displayed. The display device 16 will be described as a touch panel that also has the function of the input device 17. On the business selection screen, a message for prompting the user to select a desired business and selection of “bank business”, “credit”, “IC card business”, etc. as business selection means A function key 36a indicating the type of work that can be performed is displayed.

  When the user depresses the “IC card service” function key 36a and selects the IC card service, a transaction selection screen is displayed on the operation screen 35 as shown in FIG. The transaction selection screen includes a message prompting the user to select a desired transaction and, as a transaction selection means, “cash charge”, “point charge”, “value refund”, “value transfer” The function key 36b indicating the type of transaction that can be selected, and a cancel button 37 as canceling means for canceling the selection are displayed. The cash charge is a transaction for depositing cash and charging a value corresponding to the amount of the cash, and the point charge is a transaction for charging a value corresponding to the earned points such as mileage.

  Subsequently, when the user selects a transaction and depresses the “value transfer” function key 36b to select value transfer, the operation screen 35 displays the first value as shown in FIG. 6C. The card insertion instruction screen is displayed. On the first card insertion instruction screen, selection is made with a message prompting the user to insert the electronic money card of the transfer source in the value transfer transaction into the card slot of the card processing device 13. A cancel button 37 is displayed as canceling means for canceling. When the user inserts the transfer-source electronic money card into the card slot of the card processing device 13, a second card insertion instruction screen is displayed on the operation screen 35 as shown in FIG. Is done. On the second card insertion instruction screen, selection is made with a message prompting the user to insert the electronic money card of the transfer destination in the value transfer transaction into the card slot of the card processing device 13. A cancel button 37 is displayed as canceling means for canceling.

  Subsequently, when the user inserts the transfer-destination electronic money card into the card slot of the card processing device 13 and the card insertion is completed, the automatic transaction apparatus 11 performs the card determination, and the transfer inserted by the user. It is determined whether or not the original electronic money card and the transfer-destination electronic money card match the purpose of the transaction. If the card does not match the purpose, the inserted electronic money card is ejected from the card slot, returned to the user, and returned to an operation waiting state.

  If the card matches the purpose, a password input instruction screen is displayed on the operation screen 35 as shown in FIG. 6E for user authentication, that is, identity verification. . On the personal identification number input instruction screen, a message prompting the user to input the personal identification number of the inserted electronic money card is displayed.

  Subsequently, when the user operates the numeric keypad to input a password, the automatic transaction apparatus 11 transmits a card usage check request together with the password to the management center 21. When the electronic money management server 26 receives the card use check request together with the personal identification number, the electronic money management server 26 confirms the identity, performs an illegal card check based on the personal identification number, and determines whether the electronic money card used is an illegal card. Determine whether. If the card is an unauthorized card, the information of the electronic money card is rewritten to make the electronic money card unusable. If the card is not a fraudulent card, a card use check response indicating that the used electronic money card is authentic is returned to the automatic transaction apparatus 11.

  On the other hand, when the user inputs the password, the first standby request screen is displayed on the operation screen 35 as shown in FIG. On the first waiting request screen, a message requesting that the user wait for a while is displayed. And the automatic transaction apparatus 11 will display money amount, if a card utilization check response is received. In this case, an amount confirmation screen is displayed on the operation screen 35 as shown in FIG. The amount confirmation screen displays a message prompting the user to confirm the amount as the value value to be transferred, and a cancel button 37 as a canceling means for canceling the selection together with the amount as the value value to be transferred. A confirmation button 38 as confirmation means is displayed.

  Subsequently, when the user confirms the amount of money by depressing the confirmation button 38, the automatic transaction apparatus 11 transmits a transfer request to the management center 21. When the electronic money management server 26 receives the transfer request, the electronic money management server 26 updates the management information of the electronic money based on the transfer request, and returns a transfer response to the automatic transaction apparatus 11.

  On the other hand, when the user confirms the amount of money, a second standby request screen is displayed on the operation screen 35 as shown in FIG. A message for requesting the user to wait for a while is displayed on the second waiting request screen. And the automatic transaction apparatus 11 will update the information for transfer, if a transfer response is received. In this case, the automatic transaction apparatus 11 holds the value value stored in the IC of the transfer source electronic money card in the storage means of the automatic transaction apparatus 11 itself, and then stores the value value in the IC of the transfer source electronic money card. The stored value value is set to 0. Then, the value value held in the storage means of the automatic transaction apparatus 11 itself is written to the IC of the transfer destination electronic money card. When the value value is already stored in the IC of the transfer destination electronic money card, the value value held in the storage means of the automatic transaction apparatus 11 itself is added to the value value.

  Subsequently, the automatic transaction apparatus 11 discharges the card and the receipt. In this case, first, the transfer-destination electronic money card is discharged from the card slot of the card processing device 13. Then, on the operation screen 35, as shown in FIG. 7 (i), a first card receipt instruction screen is displayed. On the first card receipt instruction screen, a message is displayed prompting the user to receive the transfer-destination electronic money card from the card slot.

  When the user receives the transfer-destination electronic money card, the automatic transaction apparatus 11 ejects the transfer-source electronic money card and receipt from the card slot of the card processing apparatus 13. In addition, as shown in FIG. 7J, the second card receipt instruction screen is displayed on the operation screen 35. On the second card receipt instruction screen, a message for prompting the user to receive the transfer source electronic money card and receipt from the card slot is displayed.

  Subsequently, when the user receives the transfer-source electronic money card and receipt, the automatic transaction apparatus 11 returns to an operation waiting state. If the transfer source electronic money card is a credit card-use electronic money card that has expired, the automatic transaction apparatus 11 discards the transfer source electronic money card. It is judged that it may be acceptable, and is collected in the automatic transaction apparatus 11 and is not discharged from the card slot.

Next, a flowchart will be described.
Step S1 The automatic transaction apparatus 11 displays an operation waiting screen.
Step S2 The user selects a transaction.
Step S3 The user inserts a card.
Step S4 The automatic transaction apparatus 11 makes a card determination.
Step S5 The user inputs a password.
Step S6: The management center 21 performs an illegal card check.
Step S7 The automatic transaction apparatus 11 displays the amount.
Step S8 The user confirms the amount.
Step S9: The management center 21 updates the electronic money management information.
Step S10 The automatic transaction apparatus 11 updates information.
Step S11 The automatic transaction apparatus 11 discharges the card and the receipt.
Step S12 The automatic transaction apparatus 11 displays an operation waiting screen.

  As described above, in the present embodiment, the automatic transaction apparatus 11 has a function of transferring the value charged in the transfer-source electronic money card to the transfer-destination electronic money card. By inserting the transfer-source electronic money card and the transfer-destination electronic money card into the automatic transaction apparatus 11 and operating the automatic transaction apparatus 11 to perform one transaction, the transfer-source electronic money card is removed from the transfer-source electronic money card. Value can be transferred to the electronic money card of the transfer destination. Therefore, the user can easily transfer the value in a short time, and does not feel bothersome and saves time.

  In addition, users do not need to request the transfer of value to a branch office of a financial institution, so there is no restriction due to the opening hours of the counter or the installation location, and the user can move to a desired place at a desired time zone. The value can be transferred. Furthermore, the business burden on the person who operates the electronic money system does not increase.

  In addition, this invention is not limited to the said embodiment, It can change variously based on the meaning of this invention, and does not exclude them from the scope of the present invention.

It is a figure which shows the structure of the whole system in embodiment of this invention. It is a 1st figure which shows the operation | movement of the transfer of the value in the conventional automatic transaction apparatus. It is a 2nd figure which shows the operation | movement of value transfer in the conventional automatic transaction apparatus. It is a 3rd figure which shows the operation | movement of value transfer in the conventional automatic transaction apparatus. It is a figure which shows the structure of the automatic transaction apparatus in embodiment of this invention. It is a 1st figure which shows the transition of the operation screen of the automatic transaction apparatus in embodiment of this invention. It is a 2nd figure which shows the transition of the operation screen of the automatic transaction apparatus in embodiment of this invention. It is a flowchart which shows operation | movement of the automatic transaction system in embodiment of this invention.

Explanation of symbols

11, 11a, 11b, 11c, 11d, 11e, 11f, 11g Automatic transaction device 13 Card processing device 16 Display device 17 Input device 21 Management center 26 Electronic money management server

Claims (6)

(A) a medium handling device that handles a medium capable of charging the value of electronic money;
(B) an automatic transaction apparatus having a display device and an operation device including an input device,
(C) When a transaction for transferring a value between a plurality of media is selected by an operation of the operation device, the medium handling device simultaneously accommodates a transfer source medium and a transfer destination medium as a transfer source medium. An automatic transaction apparatus with a value transfer function for electronic money, wherein the charged value is transferred to a transfer destination medium. 2. The electronic money according to claim 1, wherein, when the transfer source medium has expired, the medium handling device collects the transfer source medium after a transaction for transferring a value is completed. Automatic transaction device with value transfer function. 3. The automatic transaction apparatus with an electronic money value transfer function according to claim 1, wherein the medium is an IC card including an IC for storing a value value. (A) a medium handling apparatus that handles a medium capable of charging the value of electronic money, and an automatic transaction apparatus including an operation apparatus including a display device and an input device;
(B) a management center that is connected to the automatic transaction apparatus and includes an electronic money management server that manages electronic money;
(C) When the transaction for transferring the value between a plurality of media is selected by the operation of the operation device, the automatic transaction device stores the transfer source medium and the transfer destination medium at the same time. Communicate with the management center to verify the identity, transfer the value charged on the transfer source medium to the transfer destination medium,
(D) The electronic money management server updates electronic money management information, and is an automatic transaction system with an electronic money value transfer function. 5. The electronic money according to claim 4, wherein, when the transfer source medium has expired, the medium handling device collects the transfer source medium after a transaction for transferring a value is completed. Automatic transaction system with value transfer function. 6. The automatic transaction system with an electronic money value transfer function according to claim 4, wherein the medium is an IC card including an IC for storing a value value.

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