JP2000067306A - Automatic transaction system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To solve the complexity of operation for a transfer transaction by transmitting a payment request to a host computer in the other bank at the time of receiving a transfer request from a medium of the other bank by a host computer in its own bank, and at the time of receiving payment permission, transferring a payment transaction of a transfer amount to an account of its own bank to be a transfer destination to execute a transfer transaction. SOLUTION: A host 11 in its own bank receives a transfer request, and at the time of judging that the transfer request is for a card of another bank, transmits a payment request to a host 15 in the other bank through a repeating system 17. The host 15 receiving the payment request executes payment processing based on these data and updates the account of the card. The host 15 transmits payment permission to the host 11 through the system 17. At the time of receiving the payment permission, the host 11 updates the account of a bankbook by a payment transaction, edits registered data and transmits transfer permission to an automatic transaction device 1. The device 1 receiving the transfer permission executes printing such as the entry of data in a bankbook by a printing part 3 and ejects the bankbook or the like to end the transfer transaction.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic transaction system provided with an automatic transaction device used in a financial institution such as a bank and a host computer of the financial institution to which the automatic transaction device belongs, and more particularly to an automatic transaction system of another financial institution. The present invention relates to an automatic transaction system for performing a transfer transaction from an account.

[0002]

2. Description of the Related Art Heretofore, transfer transactions in an automatic transaction device have been performed by using various transaction keys displayed on the automatic transaction device.
Triggered by selecting the "Transfer" key, and
When, for example, a cash card is inserted as a transfer source medium, the cash card becomes a cash card (hereinafter, referred to as a bank) of the financial institution to which the automatic transaction device belongs (hereinafter, referred to as own bank).
A card check is performed to determine whether or not the card is a bank card, and if the card is determined to be a bank card, a transfer transaction is executed. However, a cash card of another financial institution (hereinafter referred to as another bank) (hereinafter referred to as another bank card). ), A check error occurred and the process was terminated. That is, it was only possible to transfer an account within the bank itself, and transfer transactions from an account at another bank to an account at the bank itself could not be performed. For this reason, for example, when performing a transfer transaction from another bank card account to the own bank account, select the "payment" key from the various transaction keys displayed on the automatic transaction device, and use the other bank card to make a card account. Perform a payment transaction to withdraw cash from (ie, another bank's account), and then select the "Deposit" key to perform a deposit transaction to deposit cash into the passbook account using your bankbook. I was going.

[0003]

As described above, in the above-described conventional automatic transaction system, two transactions of "payment" and "payment" must be performed at the time of transfer transaction from another bank account. The operation was troublesome and time-consuming. In addition, cash deposits and withdrawals have caused equipment troubles and cash troubles.

[0004] The present invention aims to provide an automatic transaction system capable of eliminating the complexity of operations in the transfer transaction, shortening the transfer transaction time, and performing the transfer transaction without depositing and withdrawing cash. It is.

[0005]

SUMMARY OF THE INVENTION An automatic transaction system according to the present invention includes an automatic transaction device and a host computer of a financial institution to which the automatic transaction device belongs, and has a financial system different from the financial institution to which the automatic transaction device belongs. An automatic transaction system connected to a host computer of another institution via a communication line, the automatic transaction device comprising: input means for inputting a transfer amount; selecting means for selecting various transactions; and transfer by the selecting means. When a transaction is selected, there is provided an arithmetic unit that transmits a transfer request including the transfer amount input by the input unit and the account number taken from the transfer source medium to the host computer, and the host computer includes: Upon receiving the transfer request from the automated teller machine, it is determined whether the medium is the bank of the own bank or another bank based on the account number, and it is determined that the medium is another bank. In this case, the payment request including the transfer amount and the account number is sent to the host computer of the other bank, and the transfer transaction of the transfer amount is performed from the relevant bank account at the host computer of the other bank, and the payment is permitted from the host computer of the other bank. And a calculation means for executing a transfer transaction by performing a transfer transaction of the transfer amount to the transferee's own account upon receipt of the transfer amount.

[0006] The medium is a medium such as a cash card for which payment transactions can be made.

In the present invention, when a transfer transaction is selected by the automatic transaction device, the transfer source medium is checked by the host bank computer, and when the transfer source is determined to be another bank card, a payment transaction from another bank account is performed. And make a transfer transaction to the transferee's own account to perform a transfer transaction.

[0008]

FIG. 1 is a block diagram showing a system configuration according to an embodiment of the present invention. In the figure, 1
Is an automatic transaction device. The automatic transaction device 1 displays an operation guide and inserts a medium such as an operation display unit 2, a printing unit 3, and a cash card as input means for inputting a personal identification number or the like by a touch panel. And a card / invoice insert / eject port 4 for ejecting a statement slip in which a transaction statement is recorded, a passbook insertion / ejection port 5 for inserting and ejecting a passbook, and a card read for reading and writing a medium such as a cash card. A light unit 6, a communication unit 7 that communicates with the own host (to be described later), a storage unit 8 that stores transaction contents and a control program of a control unit that will be described later, and further displays an operation according to the control program stored in the storage unit 8 Section 2, statement slip printing section 3, card / detail slip insertion / ejection slot 4, passbook insertion / ejection slot 5,
The control unit 9 is a computing unit that controls the entire automatic transaction apparatus 1 including the card read / write unit 6, the communication unit 7, and the storage unit 8. The selection means is realized by the predetermined program and the control unit 9.

Reference numeral 11 denotes a host computer of the financial institution in which the automatic transaction apparatus 1 is installed (hereinafter, referred to as own host). A communication unit 12 for communicating with the automatic transaction apparatus 1 and a relay system described later; The control unit 13 is a computing unit that controls the entire system. Reference numeral 15 denotes a host computer of another financial institution (hereinafter referred to as another bank host). Reference numeral 17 denotes a relay system having a role of relay for connecting the host 11 and the other host 15.
ANCS, MICS and the like correspond to this. This BANC
S is an abbreviation of a city bank's CD tie-up cash service, and refers to a system that provides this service. A BANCS center of this system is connected to each participating bank host (here, another bank host 15) to form a network. This is a system for mutually using each automatic transaction device. MICS
Is a local bank version of this CD-affiliated cash service. In the present embodiment, the automatic transaction apparatus 1, the own bank host 11, the other bank host 15, and the relay system 17 are connected via the communication line 10, and transactions with other banks are performed.

FIG. 2 is a flowchart showing the flow of processing according to one embodiment of the present invention, and FIG. 3 is a flowchart showing the flow of processing in step S9 in FIG. 2 and 3
The operation of the present embodiment will be described based on FIG. Here, a case where a transfer from a card account of another bank to a passbook account of the own bank is performed will be described. The control unit 9 displays a transaction selection screen on the operation display unit 2 (S1), and when a transfer person selects a transfer transaction from the transaction selection screen (S2),
The transfer transaction is started, and first, a transaction medium insertion screen is displayed on the operation display unit 2 (S3). The transferor inserts another bank card and his / her own bankbook into the card / receipt insertion / ejection slot 5 and the passbook insertion / ejection slot 5 according to the transaction medium insertion screen. When the control unit 9 recognizes that the transaction medium has been input, the operation display unit 2 displays an input screen for prompting input of data necessary for the transfer transaction such as the personal identification number of the card and the transfer amount (S4).
When the input by the transfer person is completed, communication processing with the host bank 11 is performed (S5). That is, a transfer request including data necessary for a transfer transaction such as a personal identification number of a card and a transfer amount is transmitted to the own bank host 11, and the own bank host 11 receives the transfer request (S6), and based on the data included in the transfer request. It is determined whether the card to be used is a bank card or another bank card (S7), and if it is determined that the card is a bank card, the same payment transaction is performed in the bank. That is, the personal identification number of the card and the balance of the card account are checked, and if it is determined that the transaction is possible, a transaction for payment of the transfer amount is performed from the card account (S8).

In the process of step S7, if it is determined that the card is another line card, the own line host 11
7 and a communication process with the other-row host 15 (S9). In this process, as shown in FIG. 3, first, a payment request is transmitted to the other-line host 15 through the relay system 17 (S10). The payment request includes data necessary for a payment transaction, for example, data such as a card PIN, an account number, and a transaction amount. Then, the other-line host 15 that has received the payment request performs the same payment process as the current one based on these data, and updates the card account (S11). That is, the personal identification number of the card and the balance of the card account are checked, and if it is determined that the transaction is possible, the payment transaction of the transaction amount (transfer amount + commission) is performed from the card account. Then, the other bank host 15 transmits a payment permission to the own bank host 11 through the relay system 17 (S12).

Upon receipt of the payment permission (S13), the host bank 11 updates the passbook account (payment of the transfer amount and collects a commission) and edits the bookkeeping data by the same payment transaction as the current one (S14). S15). Then, own bank host 11 transmits a transfer permission to automatic transaction apparatus 1 (S16). When the automatic transaction apparatus 1 receives the transfer permission, the passbook entry and the statement sheet are printed by the printing unit 3 (S17), the passbook is inserted from the passbook insertion / ejection port 5, and the card / invoice is sent from the card / slip sheet ejection port 4. Is discharged (S1
8), end the transfer transaction.

According to the first embodiment, in the transfer transaction started by the selection of the "transfer" key, the automatic transaction apparatus 1 does not perform the card check of the transfer source as in the related art, but is a card of another bank. Also accepts its use, and makes its own host 11 perform the check. If it is determined that it is another bank card, it performs a payment transaction from another bank card similar to the current one,
Then, since the deposit transaction to the own bank account is performed, two transactions of “payment” and “deposit” can be completed by one transaction as in the past, and the customer operation accompanying the transaction can be simplified. Since the transaction time can be shortened, the operating rate of the automatic transaction apparatus 1 can be improved. Further, since the account is updated between the host of the own bank and the host of the other bank, cash deposit / withdrawal operation is eliminated, and equipment trouble and cash trouble can be eliminated.

In this embodiment, the transfer source medium is described as a card and the transfer destination medium is described as a passbook. However, the present invention is not limited to this. The transfer destination medium may be any medium that can perform a deposit transaction.

[0015]

As described above, according to the present invention, when a transfer transaction is selected, the host computer of the own bank determines whether the transfer source medium is the own bank or another bank. In the case of bank transfer media, payment transactions are made from another bank account and deposit transactions are made to the transferee's own account, so it is possible to simplify customer operations and shorten transfer transaction time associated with transfer transactions. it can. Further, since the account is updated between the host computer of the own bank and the host computer of another bank, cash deposit / withdrawal operation is eliminated, and equipment trouble and cash trouble can be eliminated.

[Brief description of the drawings]

FIG. 1 is a diagram showing a system configuration according to an embodiment of the present invention.

FIG. 2 is a flowchart showing a flow of processing according to the embodiment of the present invention;

FIG. 3 is a flowchart showing the flow of processing in step S9 of FIG. 2;

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Automatic transaction apparatus 2 Operation display part 9 Control part 11 Own host 15 Other host

Continuation of the front page (72) Inventor Tomoki Isobe 1-7-12 Toranomon, Minato-ku, Tokyo Oki Electric Industry Co., Ltd. F term (reference) 3E040 BA07 CB04 EA01 5B055 BB03 BB16 CB09 CC05 EE12 KK01

Claims (1)

[Claims] An automatic transaction device and a self-owned host computer of a financial institution to which the automatic transaction device belongs, wherein the automatic transaction device is connected via a communication line to another host computer of a financial institution other than the financial institution to which the automatic transaction device belongs. An automatic transaction system connected by the automatic transaction device, the automatic transaction device, input means for inputting the transfer amount,
A selection unit for selecting various transactions; and when a transfer transaction is selected by the selection unit, a transfer request including the transfer amount input by the input unit and the account number taken from the transfer source medium is issued to the host bank. Computing means for transmitting to the computer, the own host computer, when receiving the transfer request from the automatic transaction device, determines whether the medium of the own bank or another bank based on the account number, the other bank medium When it is determined that there is, the payment request including the transfer amount and the account number is transmitted to another bank host computer, and the other bank host computer performs the payment transaction of the transfer amount from the corresponding other bank account. And calculating means for receiving the payment permission from the bank host computer, performing a deposit transaction of the transfer amount to the bank account of the transfer destination and executing the transfer transaction. Automatic trading system characterized by the following.