Patent ID: 7413116

Claim:
A banking system, comprising: a banking host machine managed by a financial institution, a cashing host machine managed by a cashing service dealer, and an automatic teller machine connected to the banking host machine and the cashing host machine so as to communicate therewith respectively, wherein the banking system includes: a borrowing application section that makes an application to the cashing host machine for borrowing money from the cashing service dealer, a borrowing information acquiring section that acquires information about the borrowed money permitted by the cashing service dealer in response to the application for borrowing money as borrowing information, a transaction instruction inputting section that inputs an instruction to carry out a transaction relevant to the financial institution using at least a part of the borrowed money, a financial transaction instruction section that, when the borrowing information acquiring section acquires the borrowing information, gives an instruction to the banking host machine about the transaction relevant to said financial institution using at least a part of said borrowed money in accordance with the instruction inputted by the transaction instruction inputting section, and a borrowing money presentation section that presents to the user an amount of borrowed money permitted by said cashing service dealer as the borrowing information, wherein when no instruction is given from the transaction instruction inputting section within a predetermined time from a point of time when the borrowing money presentation section presents to the user the available amount of money, the available amount of cash is discharged.