Patent Publication Number: US-2002002519-A1

Title: Consumer transaction facility

Description:
BACKGROUND INVENTION  
       [0001] 1. Field of the Invention  
       [0002] The present invention relates to a consumer transaction facility preferably applicable to for example, an automatic teller machine (ATM) and a cash dispenser (CD), which are capable of performing banking services such as depositing money in a bank and drawing one&#39;s money from the bank.  
       [0003] 2. Description of the Related Art  
       [0004] ATMs and the like have come into wide use recently, since those machines permit transactions for receipt of money and payment through no window of a bank and the like or without going to the bank.  
       [0005] According to such an ATM and the like, there is provided such an arrangement that a transaction record of a customer is discharged in the form of a sheet receipt.  
       [0006] However, in case of the sheet receipt, it often happens that after confirmation of the content of the transaction record of the customer, the sheet receipt is thrown away, and there is a possibility that the sheet receipt is lost per se.  
       [0007] On the other hand, there is such a request that the transaction record of the customer is transmitted to a terminal of his house so as to be managed in the form of electronic data.  
       [0008] A technology related to this request is disclosed in Japanese Patent Application Laid-Open Gazette Hei.4-372057 in which there is provided a description that “The present system is to transmit to an arbitrary place such as one&#39;s home information as to transactions performed using a banking terminal such as an ATM and the like. A customer performs transactions through the banking terminal such as an ATM and the like, and inputs a FAX number of a destination of information as to the transactions. This information as to the transactions is transmitted by the banking terminal such as an ATM and the like to a host computer and then transmitted by the host computer via a telephone line to an optional place. In the event that a destination address of information is registered onto an account, transactions performed through the account is automatically transmitted.” 
       [0009] However, according to the earlier technology as mentioned above, in the event that a destination address of information is registered onto an account beforehand, contents of the transactions carried out through the banking terminal such as an ATM and the like are automatically transmitted to a terminal of the destination address of information registered. This is troublesome for the customer as the user of the terminal in the point that transaction information, which is deemed to be unnecessary for the customer, is also transmitted, and in addition this is associated with such a problem that it is expensive since a communication line is necessarily used.  
       [0010] Further, in the event that the conventional banking terminal such as an ATM and the like is used, since the transaction record is always issued in the form of a sheet receipt, except for the case of use of a bankbook, it is troublesome for the customer.  
       [0011] Japanese Patent Application Laid-Open Gazette Hei.4-372057 fails to describe any matter as to a registration treatment of a destination address of information. Thus, it is unclear as to the registration treatment.  
       SUMMARY OF THE INVENTION  
       [0012] In the light of the aforementioned problems, an object of the present invention is to provide a consumer transaction facility permitting a destination address of a transaction record (transaction information) to be readily entered on the consumer transaction facility.  
       [0013] It is another object of the present invention to provide a consumer transaction facility capable of prohibiting a transaction record from being issued in the form of a sheet receipt.  
       [0014] It is still another object of the present invention to provide a consumer transaction facility capable of transmitting a transaction record also to a destination address other than the registered destination address.  
       [0015] To attain the above-mentioned objects, according to the present invention, there is provided a consumer transaction facility for communicating with a host computer having a transaction information file for customers via a communication line in accordance with an operation of a customer to perform a customer&#39;s desired transaction, said consumer transaction facility comprising: a display device; display control means for controlling a display on said display device; and input means for performing an input operation in accordance with a display on said display device, wherein said display control means performs on said display device a screen display in which a destination electronic mail address for transaction record of a custom is able to be inputted through said input means, a screen display in which it is selectable through said input means as to whether the transaction record is to be transmitted to the destination electronic mail address, and a screen display in which it is selectable through said input means as to whether the transaction record is to be issued in form of a sheet. This feature makes it possible to readily input the destination address of transaction records on the consumer transaction facility. Further it is possible to prohibit the transaction records from being issued in the form of a sheet in accordance with a user&#39;s will.  
       [0016] Further, in the consumer transaction facility as mentioned above, it is acceptable that said display control means performs on said display device a screen display in which a number of transaction records including a new transaction record and past transaction records is able to be inputted through said input means. This feature makes it possible for the user to know one&#39;s past transaction records.  
       [0017] Further, to attain the above-mentioned objects, according to the present invention, there is provided a consumer transaction facility for communicating with a host computer having a transaction information file for customers via a communication line in accordance with an operation of a customer to perform a customer&#39;s desired transaction, said consumer transaction facility comprising: a display device; display control means for controlling a display on said display device; input means for performing an input operation in accordance with a display on said display device; and communication control means for controlling communications with the host computer, wherein said display control means causes said display device to display transaction indications including a payment indication, and performs on said display device a screen display indicative of a matter that an electronic mail address for transmitting a transaction record is able to be registered, when the electronic mail address is inputted through said input means in association with the screen display indicative of a matter that the electronic mail address is able to be registered, said communication control means transmits the inputted electronic mail address via the communication line to said host computer so that the electronic mail address is registered in association with the transaction information file for customers, in the event that the electronic mail address is registered, when a transaction is performed through an operation of said input means in accordance with the transaction indications, said display control means performs on said display device a screen display in which it is selectable through said input means as to whether the transaction record is to be transmitted to the registered electronic mail address or an electronic mail address other than the registered electronic mail address, and when a selection operation that the transaction record is to be transmitted to an electronic mail address other than the registered electronic mail address is made through said input means, said display control means performs on said display device a screen display in which a new destination electronic mail address for the transaction record is able to be inputted through said input means. This feature makes it possible to transmit the transaction records to an electronic mail address other than the registered electronic mail address.  
       [0018] In the consumer transaction facility as mentioned above, it is acceptable that when said display control means performs on said display device a screen display in which it is selectable through said input means as to whether the transaction record is to be transmitted to the registered electronic mail address or an electronic mail address other than the registered electronic mail address, said display control means performs a screen display in which it is selectable through said input means as to whether the transaction record is to be issued in form of a sheet. This feature makes it possible to prohibit the transaction records from being issued in the form of a sheet in accordance with a user&#39;s will.  
       [0019] Further in the consumer transaction facility as mentioned above, it is acceptable that said display control means performs on said display device a screen display in which a number of transaction records including a new transaction record and past transaction records is able to be inputted through said input means. This feature makes it possible for the user to know one&#39;s past transaction records. 
     
    
    
     BRIEF DESCRIPTION OF THE DRAWINGS  
     [0020]FIG. 1 is a block diagram of a system to which an embodiment of the present invention is applied;  
     [0021]FIG. 2 is a perspective view of a consumer transaction facility according to this embodiment of the present invention;  
     [0022]FIG. 3 is a flowchart (1/3) useful for understanding an operation of this embodiment of the present invention;  
     [0023]FIG. 4 is a flowchart (2/3) useful for understanding an operation of this embodiment of the present invention;  
     [0024]FIG. 5 is a flowchart (3/3) useful for understanding an operation of this embodiment of the present invention;  
     [0025]FIG. 6 is a diagrammatic view useful for understanding an initial screen;  
     [0026]FIG. 7 is a diagrammatic view useful for understanding an input screen for one&#39;s personal identification number;  
     [0027]FIG. 8 is a diagrammatic view useful for understanding an input screen for an electronic mail address;  
     [0028]FIG. 9 is a diagrammatic view useful for understanding a screen after an input of an electronic mail address;  
     [0029]FIG. 10 is a diagrammatic view useful for understanding an alternative initial screen;  
     [0030]FIG. 11 is diagrammatic view useful for understanding a screen for selection between an issue and a transmission of transaction records;  
     [0031]FIG. 12 is diagrammatic view useful for understanding a screen for a designation of a new transmission destination;  
     [0032]FIG. 13 is diagrammatic view useful for understanding an example of a final display screen on a consumer transaction facility; and  
     [0033]FIG. 14 is a diagrammatic view useful for understanding an example of a display of transaction records on a terminal. 
    
    
     DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS  
     [0034] Hereinafter, an embodiment of the present invention will be described in conjunction with the accompanying drawings.  
     [0035]FIG. 1 shows a structure of a consumer transaction system  10  to which an embodiment of the present invention is applied.  
     [0036] The consumer transaction system  10  comprises basically a host computer  12  equipped in a bank and the like, a plurality of consumer transaction facilities  16  connected via a communication line  14  to the host computer  12 , and a plurality of personal computers (hereinafter, referred to as terminals)  18  connected via the communication line  14  to the host computer  12 . The personal computers serve as customer terminals.  
     [0037] In the present embodiment, it is assumed that the consumer transaction facilities  16  are applied to an automatic teller machine (ATM), which is capable of performing banking services such as depositing money in a bank and drawing one&#39;s money from the bank. It is noted, however, that the consumer transaction facilities  16  are also applicable to a cash dispenser (CD).  
     [0038] The host computer  12  for performing banking services has a data base  20  which stores therein a customer information file (a transaction information file for customers)  21  and a consumer transaction terminal information file. The customer information file  21  stores therein transaction records of a customer in the form of data, an electronic mail address registered in association with the transaction records of the customer, etc.  
     [0039] In the present embodiment, it is assumed that each of the terminals  18  has an electronic mail address of the associated customer.  
     [0040]FIG. 2 is a perspective view of the consumer transaction facility  16  according to this embodiment of the present invention. The consumer transaction facility  16  has a main frame  36  which is provided with, as an interface with a customer, a card insertion/receipt/card discharge aperture (simply referred to as a card insertion and discharge aperture too)  40  through which a card  37  on which account information is recorded is inserted and discharged, and a receipt (paper receipt)  38  is discharged in the form of a sheet (paper or a sheet made of synthetic resin and the like) on which transaction contents are recorded, a bankbook insertion and discharge aperture  42  through which a bankbook  41  is inserted and discharged, a paper money entry and discharge aperture  44  serving as an entry for a paper money  43  for depositing or a discharge outlet for a paper money  43  for payment, and a display device  46  serving both as a display unit and an customer operating unit through which an customer performs an operation for input processing and the like in accordance with a displayed guidance.  
     [0041] In this case, the display device  46  has an input unit (input means)  48  serving as a so-called touch panel and a screen (image plane)  47  on which images and the like are displayed. The input unit  48  makes it possible to input an electronic mail address in accordance with a display on the screen  47 , as will be described latter.  
     [0042] In FIG. 1, each of the consumer transaction facilities  16  has a control unit (referred to as a transaction service control unit too)  50  for controlling the consumer transaction facility  16  in its entirety including transaction services. Connected to the control unit  50  are a communication control unit  51  one end of which is connected to the communication line  14 , a card processing unit  52 , a bankbook processing unit  54 , a paper money supply storage unit  56 , and a display and input control unit  58  serving as display control means and input control means.  
     [0043] The card processing unit  52  has a function of reading information such as an account number and the like recorded on the card  37  inserted by a customer to print on the receipt  38  contents of transactions performed by the consumer transaction facility  16  into issue.  
     [0044] The bankbook processing unit  54  has a function of printing transaction contents on the bankbook  41  inserted by the customer.  
     [0045] The paper money supply storage unit  56  performs a supply of the paper money  43  for payment and a storage of the deposited paper money  43  in accordance with an instruction of the control unit  50 .  
     [0046] Next, the operation of the above-mentioned embodiment will be described with reference to FIGS. 3, 4 and  5 .  
     [0047] When a customer as a user reaches the front of the consumer transaction facility  16 , an initial screen  62  as a transaction screen shown in FIG. 6 is displayed on an image plane  47  of the display device  46  (step S 1 )  
     [0048] As seen from FIG. 6, the initial screen  62  comprises a depositing button  53 , a payment button  55 , a transfer button  57 , a balance inquiry button  59 , and an electronic mail address registration button  60  peculiar to the present embodiment, those buttons being service buttons and representative of transaction items.  
     [0049] When the electronic mail address registration button  60  is depressed (step S 2 ), the display is reversed (a reversed display for indication of the depression) and such a message that “please insert your card and input your personal identification number” is generated by a speech sound of a speaker and the like and/or a screen display, and then the image plane  47  is changed to an input screen  63  for a personal identification number shown in FIG. 7 (step S 3 ).  
     [0050] In this case, the customer as the user inserts the card  37  through the card insertion and discharge aperture  40  and inputs one&#39;s personal identification number of four digits through the input screen  63  for a personal identification number.  
     [0051] In this way, the customer is identified (step S 4 ) in a similar fashion to that of the conventional services. That is, when the card  37  is inserted through the card insertion and discharge aperture  40 , the card processing unit  52  reads the account number and the like and transmits the same in the form of data to the control  50 . When the personal identification number of the customer is inputted through the input unit  48 , it is transmitted in the form of data from the display and input control unit  58  to the control unit  50 .  
     [0052] At that time, the control unit  50  communicates via the communication control unit  51  and the communication line  14  with the host computer  12 . The host computer  12  retrievals the customer information file  21  of the data base  20  to determine an identity of the customer on the basis of the account number and the personal identification number and informs of the determination result the control unit  50  via the communication line  14  and the communication control unit  51 . In the event that the control unit  50  receives the determination result indicative of the matter that the customer is not proper, the display returns to the input screen  63  for a personal identification number or the initial screen  62  together with a display and/or a speech sound informing of the matter that the personal identification number is not proper (step S 4 : NO).  
     [0053] On the other hand, in the event that the control unit  50  receives the determination result indicative of the matter that the customer is proper (step S 4 : YES), the control unit  50  causes the display and input control unit  58  serving as the electronic mail input screen control unit to perform the processing in accordance with the determination result.  
     [0054] At that time, first, an electronic mail address input screen  64  shown in FIG. 8 is displayed on the image plane  47  (step S 5 ).  
     [0055] On the electronic mail address input screen  64 , there is displayed an electronic mail address input window  66  below the message “destination electronic mail address”.  
     [0056] In this condition, an input button  68  is used to input English letters and the like representative of user names, domain names, etc., so that the input processing for electronic mail address is performed (step S 6 ).  
     [0057] In a screen  69  on which the inputted electronic mail address is displayed in a window  66 , as shown in FIG. 9, when a confirmation button  70  is depressed (step S 7 : YES), a setting process for the electronic mail address is performed to set up the electronic mail address in the control unit  50  (step S 8 ). Incidentally, when a cancel button  72  is depressed without depression of the confirmation button  70 , it returns to the initial screen  62  shown in FIG. 6 (step S 7 : NO).  
     [0058] When the electronic mail address in the control unit  50  is set up, a communication is performed between the consumer transaction facility  16  and the host computer  12 , so that the host computer  12  stores the electronic mail address thus set up into the customer information file  21  of the data base  20  in association with the user&#39;s account number of the card  37 . Thus, the registration or the renewal of the electronic mail address onto the data base  20  is made (step S 9 ). Incidentally, in the event that the registration processing of the electronic mail address involved in the steps S 3  to S 8  is first performed, a registration processing of the electronic mail address is performed, and in the event that the registration processing of the electronic mail address is performed on and after the second time, a renewal registration processing of the electronic mail address is performed.  
     [0059] At the time when the registration processing of the electronic mail address is terminated, the initial screen  62  shown in FIG. 6 is displayed again (step S 1 ).  
     [0060] Incidentally, in the initial screen  62  after the registration processing of the electronic mail address involved in the steps S 1  to S 9  has been performed, it is possible to change the display to a screen in which an electronic mail address registration button  60  except buttons  53 ,  55 ,  57  and  59  representative of the transaction items is not displayed, or even if it is depressed, it is unavailable. FIG. 10 shows a display of an initial screen  76  indicative of the matter that the depression of the electronic mail address registration button  60  is unavailable.  
     [0061] In the event that the initial screen  76  is displayed, when any one of the buttons  53 ,  55 ,  57  and  59  representative of the transaction items is depressed, the existing service processing screen (not illustrated) is continuously displayed (step S 10 ), and the existing service processing is carried out (step  
     [0062] In the event that the existing service processing is carried out, when the above-mentioned registration processing of the electronic mail address has been performed, the customer identification determination processing by the confirmation of the association relation between the account number and the personal identification number of the card  37  is completed, and thus the entry of an amount of money successive to the entry of the transaction item (any one of depositing, payment, transfer, etc.) causes those datum to be transmitted from the display and input control unit  58  to the control unit  50 .  
     [0063] Upon receipt of those datum, the control unit  50  communicates via the communication control unit  51  and the communication line  14  with the host computer  12 . The host computer  12  retrievals the customer information file  21  of the data base  20  to determine as to whether the transaction designated by the input data is in an available state, and informs of the determination result the control unit  50  via the communication line  14  and the communication control unit  51 .  
     [0064] The control unit  50  executes the transaction processing or displays on the screen  47  of the display device  46  the reason why the transaction processing is not carried out through the display and input control unit  58  in accordance with the determination result.  
     [0065] When the transaction processing involved in the existing service is completed, in other words, under the condition that the confirmation button is finally depressed for the existing service, the control unit  50  initiates the transaction record processing of which contents are shown in detail in FIGS. 4 and 5 (step S 12 : depression of the confirmation button).  
     [0066] At that time, first, as shown in FIG. 11, there is displayed a screen for confirmation as to whether the display and input control unit  58  issues the transaction record in the form of the sheet receipt  38 , and as to whether the display and input control unit  58  transmits the transaction record to the registered electronic mail address (step S 13 ). As seen from FIG. 11, displayed on a screen  76  for transaction record issue confirmation and transaction record transmission confirmation are an issue button  78  and a non-issue button  80  for instructing whether the transaction record is issued in the form of the sheet receipt  38  as in the existing service, and a transmission button  82  and a non-transmission button  84  for instructing whether the transaction record is transmitted to the electronic mail address.  
     [0067] Thus, an input processing for those buttons  78 ,  80 ,  82  and  84  is performed (step S 14 ). In this case, when any one of the issue button  78  and the non-issue button  80  involved in the issue of the transaction record is depressed and any one of the transmission button  82  and the non-transmission button  84  involved in the transmission of the transaction record is depressed, the input processing is completed.  
     [0068] Next, a processing is performed in accordance with the input processing. First, it is determined whether the sheet receipt  38  is to be issued (step S 15 ). In the event that an input of instructing the issue of the sheet receipt  38  is made (step S 15 : presence), the card processing unit  52  issues the sheet receipt  38  on which transaction contents (referred to as the transaction records too) are printed, and discharges the same together with the card  37  to the card insertion/receipt/card discharge aperture  40  (step S 16 ).  
     [0069] After completion of the receipt issue processing, or in the event that the input of instructing no issue of the sheet receipt  38  is made (step S 15 : absence), it is determined whether transmission to the electronic mail address is necessary (step S 17 ).  
     [0070] In the event that the input of instruction of necessity for transmission is made (step S 17 : presence) there is displayed an additional screen  86  for determining the destination and the like as shown in FIG. 12 (step S 18 ). On the additional screen  86 , it is indicated on a reverse display basis that the non-issue button  80  and the transmission button  82  are depressed.  
     [0071] At that time, it is determined as to which one is depressed between a registered address button  88  and a new destination designation button  90  for designating anyone of the electronic mail addresses but the registered electronic mail address (step S 19 ).  
     [0072] In the event that the new destination designation button  90  is depressed (step S 19 : new destination), there are executed an electronic mail address input screen display processing (step S 20 ) explained with reference to the electronic mail address input screen  64  shown in FIG. 8, an input processing (step S 21 ) for the electronic mail address of the new destination explained with reference to the screen  69  shown in FIG. 9, a button depression determination processing (step S 22 ), and a new destination electronic mail address setting processing (step S 23 ), which correspond to the processings of the above-mentioned steps S 3 , S 4 , S 5  and S 6 , respectively.  
     [0073] It is noted that according to the present embodiment, the electronic mail address of the new destination inputted in the processing of the step S 21  is treated as an electronic mail address which is effective only in the present transaction, there is not performed a renewal processing for the electronic mail address of the customer information file  21  on the data base  20  of the host computer  12 . According to the present embodiment, as mentioned above, there is provided such an arrangement that the renewal processing for the electronic mail address is performed only for the electronic mail address inputted after the electronic mail address registration button  60  is depressed, on the initial screen  62  shown in FIG. 6, in the processing of the step S 6  (cf. Step S 9 : data base registration/renewal processing).  
     [0074] Next, it is determined whether an only transaction button  92  and a record number input button  94  in the column of the number of transmission records are depressed (step S 24 ). In the event that it is determined that the record number input button  94  is depressed, the number of inputs of the number of records is confirmed (step S 25 ).  
     [0075] Next, a transmission record number processing is carried out (step S 26 ). In this case, the control unit  50  makes the contents to be transmitted in the new transaction in the form of a transmission file. Specifically, in the event that the screen  47  which is finally displayed is a final display screen  96  shown in FIG. 13, since it is designated that the transaction record is transmitted to the new destination address, the control unit  50  makes the new destination electronic mail address and three times of records (the new transaction record and the past two times of transaction records, that is, total three times of records) inputted into a record number input column in the form of the transmission file in association with the account number.  
     [0076] In the state of the final display screen  96  shown in FIG. 13, when the confirmation button  70  is depressed (step S 27 ), the process goes to a step S 28  in which a host communication processing is performed.  
     [0077] In the host communication processing, the above-mentioned transmission file is transmitted from the control unit  50  constituting the consumer transaction facility  16  through the communication control unit  51  and the communication line  14  to the host computer  12 . At that time, there is displayed on the screen  47  such a message that “three transaction records have been transmitted to the new destination electronic mail address”. Thus, the transaction with the user at the place of setting up the consumer transaction facility  16  is terminated.  
     [0078] The host computer  12  refers to the transmitted transmission file to retrieve the customer information file  21  for the associated customer in view of the account number, and transmits the past three times of transaction record data including the new transaction content to the new destination electronic mail address. Thus, the transaction record data are transmitted on an electronic mail basis to the specified terminal  18  designated by the new destination electronic mail address.  
     [0079]FIG. 14 shows contents of the electronic mail received by the specified terminal  18  designated by the new destination electronic mail address, that is, the state in which transaction records  98  are displayed on the display of the terminal  18 .  
     [0080] The user of the specified terminal  18  will be able to know through the display screen the contents of the transaction records  98 , that is, a bank name (A bank), a branch name (B branch) of the bank A, a type of bank accounts (ordinary deposit account), a bank account number (1345678), an account name (Taro Fujitsu), a type of transactions (payment), an amount of money of transactions (10,000 dollars), and the balance (5,000 dollars). It is acceptable that the contents of the transaction records  98  may include date of transactions and service charges.  
     [0081] From the screen display of FIG. 14, it will be understood that the user has received the past three times of transaction records  98  including the new transaction record  98 .  
     [0082] For example, in the event that the transaction records  98  are displayed in the form of text data, it is possible to display the transaction records  98  by a wide use of mailer which is a software capable of dealing with an electronic mail. In order to provide a fine display, it is acceptable that the host computer  12  makes documents including the transaction records  98  in the form of an HTML document and the like, and the terminal  18  displays the documents thus generated by the use of a viewer.  
     [0083] Further, it is acceptable that the host computer  12  processes the transaction records  98  into data suitable for a spreadsheet program, and the terminal  18  processes the received data using a spreadsheet software. This makes it possible to manage the transaction records  98  in the form of a so-called electronic account book.  
     [0084] According to the present embodiment mentioned above, it is possible to readily input the destination electronic mail address of the transaction records  98  on the consumer transaction facility  16 . This makes it possible to confirm the transaction records, if necessary, a plurality of number of times, on the terminal  18  specified by the electronic mail address. Consequently, it is also possible to attain such an additional effect that a register of a cash-book and the like operative on the terminal  18  through which the transaction records  98  can be confirmed is readily performed.  
     [0085] Further, according to the present embodiment, it is possible to prohibit the transaction records  98  from being issued in the form of the sheet receipt  38  in accordance with an intention of the user of the consumer transaction facility  16 , and thereby saving a resource.  
     [0086] Furthermore, according to the present embodiment, since an electronic mail address is registered, it is possible to utilize the existing infrastructure such as an internet and the like.  
     [0087] Still furthermore, according to the present embodiment, since it is also possible to transmit the destination address of the transaction record to a destination address other than the registered destination address, it is possible to confirm the transaction record on the terminal  18  for example, other than the terminal  18  which is usually used by the user.  
     [0088] As mentioned above, according to the present invention, it is possible to readily input through a consumer transaction facility a transaction record destination address for transmitting transaction contents performed through a consumer transaction facility, and whereby it is possible to expect such an effect that the transaction contents can be confirmed through a terminal and the like which is designated by the transaction record destination address. Since the transaction contents can be confirmed through a terminal and the like, it is possible to store and manage the transaction contents in the form of data in the terminal and the like.  
     [0089] Further, according to the present invention, there is provided on a screen of the display device of the consumer transaction facility an indication as to whether the transaction record is to be issued in the form of sheet receipt. Thus, for example, in the event that it is selected that the transaction record is not to be issued, it is possible to reduce the use of sheets as the resource.  
     [0090] Furthermore, according to the present invention, since it is also possible to transmit the destination address of the transaction record to a destination address other than the registered destination address, it is possible to confirm the transaction record on the terminal other than the terminal which is usually used at home by the user.  
     [0091] While the present invention has been described with reference to the particular illustrative embodiments, it is not to be restricted by those embodiments but only by the appended claims. It is to be appreciated that those skilled in the art can change or modify the embodiments without departing from the scope and sprit of the present invention.