JP2008191945A - Transfer transaction system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a means for shortening the occupied time of an automatic transaction device by a customer who performs transfer transaction. <P>SOLUTION: The system comprises the automatic transaction device 1 and a management server 10. The management server 10 generates and stores, upon receipt of a receiver telephone number from the automatic transaction device 1, a password in association with the receiver telephone number, and reports the effect of transfer and the password to the receiver. The automatic transaction device 1 transmits a receiver telephone number and a password input by the receiver to the management server 10, thereby receiving a comparison result of the password stored in association with the transmitted receiver telephone number with the transmitted password from the management server 10, and executes the transfer transaction to the receiver when both the password are matched. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention relates to a transfer transaction system that shortens the occupation time of an automatic transaction apparatus by a customer in a transfer transaction.

In the conventional transfer transaction system, the customer who makes a transfer transaction with the automatic transaction device inputs the transfer destination's financial institution name, branch name, transfer account number, etc. on the touch panel in addition to the transfer amount. (For example, refer to Patent Document 1).
JP 2004-4488 (paragraph “0018” -paragraph “0019”, FIG. 7)

  However, in the conventional technology described above, in order to perform a transfer transaction, information such as the name of a financial institution, a branch name, and a transfer account number must be input. Therefore, there is a problem that it takes time to input all the information, and the occupation time of the automatic transaction apparatus of the customer who performs the transfer transaction becomes long, and the business efficiency of the automatic transaction apparatus is lowered.

  An object of the present invention is to provide means for solving the above problems.

  In order to solve the above problems, the present invention is provided with an input unit for a customer to input a telephone number of a payee of a transfer, an automatic transaction apparatus for performing a transfer transaction with the customer, and necessary for confirmation of the payee And a server for generating a password, the server generates and stores a password when receiving the telephone number of the recipient inputted by the customer from the automatic transaction apparatus, and based on the telephone number The automatic transaction apparatus notifies the recipient that there is a transfer and the password, and when the password is input by the recipient, the automatic transaction apparatus transmits the password to the server, and is stored in the server. A comparison result between the password and the transmitted password is received from the server, and when the two passwords match, a transfer transaction to the recipient is executed.

  In this way, the present invention allows a customer who makes a transfer transaction with an automatic transaction apparatus to input a recipient's mobile phone number, and the server contacts the recipient based on the mobile phone number to convey the password and automatically Since the server confirms the password by telling the server the password obtained by the transaction device input from the recipient, the recipient can be confirmed by the password, and there is less information that must be entered by the customer Therefore, the occupation time of the automatic transaction apparatus can be shortened, and the business efficiency can be improved.

  Embodiments of a transfer transaction system according to the present invention will be described below with reference to the drawings.

FIG. 1 is an explanatory diagram illustrating a transfer transaction system according to the first embodiment.
In FIG. 1, 1 is an automatic transaction apparatus.
A control unit 2 controls each unit of the automatic transaction apparatus 1 according to a control program stored in the storage unit 3.
Reference numeral 3 denotes a storage unit which stores a control program executed by the control unit 2 and stores a processing result by the control unit 2.

  Reference numeral 4 denotes a display input unit, which is provided so as to be exposed on the customer service surface in front of the automatic transaction apparatus 1, a display unit such as a CRT display or a liquid crystal display with the display surface facing upward, and a touch panel disposed on the display unit. Display screens and input keys with messages that guide customer operations in various transactions, and by pressing the input key with a finger from the touch panel, the information defined in the input key is displayed. It can be input and displays the input information.

Reference numeral 5 denotes a cash deposit / withdrawal unit, which performs a cash deposit / withdrawal process associated with a transaction, and includes a banknote depositing / dispensing machine that handles banknotes and a coin depositing / dispensing machine that handles coins. The mouth is provided on the customer service surface.
The banknote deposit / withdrawal port and the coin deposit / withdrawal port of the cash deposit / withdrawal unit 5 are normally closed by a shutter, and are opened by opening the shutter when accepting or dispensing bills and coins.

Reference numeral 6 denotes a card reader printer unit which has a function of reading and writing card information recorded on a magnetic stripe of a customer's transaction card, and a function of printing a transaction result with a customer on a statement slip and issuing it. Have.
Reference numeral 7 denotes a passbook handling unit, which has a function of reading and writing passbook information recorded in a magnetic stripe of a customer's passbook, and a function of printing transaction results on the passbook.

A terminal information acquisition unit 8 has a function of receiving and acquiring information recorded in the IC chip 15a by non-contact communication included in the mobile phone 15.
Reference numeral 10 denotes a management server, which is installed in a financial institution center and stores server information such as the name, financial institution code, branch code, account number, personal identification number, and account balance of a customer who has opened an account. It includes a unit 10a (storage means), and has a function of connecting to the automatic transaction apparatus 1 via a communication line 11 such as a telephone line or a dedicated line and performing communication processing with the automatic transaction apparatus 1.

The management server 10 makes a call to the other party (referred to as the recipient) that is the transfer destination when performing the transfer transaction, and receives guidance and receipt for prompting the transfer and obtaining an application program for transfer using a mobile phone. It has a function of outputting a voice guidance that explains a password necessary for confirming a person.
Further, the management server 10 has a function for generating a password necessary for the confirmation of the recipient.

A web server 12 is installed at the center of a financial institution and has a site for distributing an application program necessary for confirming a password for confirming a recipient on the Internet.
Reference numeral 15 denotes a mobile phone as a mobile terminal, which is owned by a payee in a transfer transaction, and connects to a site of the Web server 12 on the Internet, so that an application program necessary for confirming a distributed password is stored in the IC chip 15a. In addition to having a function of storing the application program, it has a display unit for displaying a password input field when the application program is started, and an input unit for inputting information defined in the contents displayed on the display unit.

The IC chip 15 a stores the telephone number of the mobile phone 15. That is, the recipient telephone number is stored in the IC chip 15a of the mobile phone 15 owned by the recipient.
The effect | action of the structure mentioned above is demonstrated according to the step shown by S using the flowchart which shows the operation | movement of the transfer transaction system of Example 1 shown in FIG.
In this embodiment, the automatic transaction apparatus 1 used by the customer who makes the transfer and the automatic transaction apparatus 1 used to receive the cash transferred by the recipient are the automatic transaction apparatus 1 of the same financial institution. Shall.

S1, the control unit 2 of the automatic transaction apparatus 1 displays a transaction selection screen in which various transaction selection buttons such as withdrawal, deposit, and transfer are arranged on the display input unit 4.
In the transaction selection screen, a transfer amount handling selection key is displayed for selecting whether to transfer the cash transferred to the account to the account or withdraw it as it is in the transfer transaction using the mobile phone described later. It shall be.

S2, when the customer presses the transaction selection button of the transfer transaction on the transaction selection screen, the control unit 2 recognizes the press and displays a screen prompting the insertion of the transaction card on the display input unit 4, and the customer follows the screen. When the transaction card is inserted, the account number is read from the transaction card by the card reader printer unit 6 and stored in the storage unit 3.
S3, the control unit 2 asks the display input unit 4 whether to transfer by cash or transfer from the account, a screen on which a selection key for cash transfer and transfer from the account is arranged, and the cash recipient receives a mobile phone A transfer method selection screen is displayed that sequentially displays a screen prompting to select whether to use a payment method or a direct transfer to the payee's account and a screen on which the selection key is arranged.

  In S4, when the customer selects the transfer from cash and the recipient selects the transfer using the mobile phone, the control unit 2 contacts the receiver's mobile phone number (referred to as the recipient's phone number) and the transfer is not established. A screen prompting for input of the previous telephone number (the telephone number at the time of failure) and a transfer guidance screen with a numeric keypad for input are sequentially displayed, and the contents input by the customer are stored in the storage unit 3 .

S5, the control unit 2 opens the shutter of the banknote deposit / withdrawal port and the coin deposit / withdrawal port of the cash deposit / withdrawal unit 5, and displays a cash insertion guidance screen for prompting the cash input on the display input unit 4.
In addition, the control unit 2 reads the transfer amount from the storage unit 3 and, when cash is inserted by the customer, counts the number of denominations of cash inserted by a cash discrimination unit (not shown) and calculates the total amount. Count, confirm that the total amount is equal to or greater than the read transfer amount, and store the cash in a cash storage unit (not shown).

In addition, when the total amount counted is more than the transfer amount, the control unit 2 pays out the difference amount of cash from the cash storage unit and pays it to the customer.
S6, the control unit 2 informs the display input unit 4 that the transfer transaction is once completed for confirmation of the recipient, and when the transfer transaction is not established, the telephone contact is made to the telephone number inputted when the transfer transaction is not established. Display the transfer transaction temporary end screen with the screen of.

In this way, by displaying the transfer transaction temporary end screen to the customer, the transfer transaction with the customer is once ended, and then the transfer partner is transferred to the transfer destination to complete the transfer. The following is shown below.
S 7, the control unit 2 reads the recipient telephone number, the telephone number at the time of failure, and the transfer amount stored in the storage unit 3, and transmits a transfer confirmation instruction with these to the management server 10 via the communication line 11. .

S8, upon receiving the transfer confirmation instruction, the management server 10 generates a password for confirming the recipient in the transfer transaction, and associates the received password with the received recipient telephone number, the telephone number at the time of failure, and the transfer amount. It memorize | stores in the server memory | storage part 10a as information.
S9, the management server 10 makes a telephone contact about the transfer transaction to the payee based on the received payee telephone number, that is, to the payee who receives this call, Necessary for confirming the recipients generated above and that the application program for inputting the password to be used for receiving cash to be transferred to the mobile phone 15 is obtained from the homepage of the financial institution. A simple password is explained by voice guidance.

This voice guidance can be operated by a push button method to end the voice guidance and confirm that the recipient has confirmed the contents, or to output the voice guidance again.
When the recipient connects to the site for acquiring an application program necessary for password confirmation of a financial institution on the Internet by using his / her mobile phone 15 by the above voice guidance, the Web server 12 sends the application program to the mobile phone 15. Distribute Thereby, the mobile phone 15 stores the application program in the IC chip 15a.

The payee goes to the store to use the automatic transaction apparatus 1 of the financial institution that has received the telephone contact in order to receive the transferred cash.
Note that the management server 10 hangs up the telephone once and makes a telephone call to the recipient again after a predetermined period of time if the telephone call made to the recipient is not connected even with a certain number of calls.
S10, the control unit 2 of the automatic transaction apparatus 1 displays a transaction selection screen and is on standby. When the payee presses a transfer amount handling selection key from the transaction selection screen, the display input unit 4 is connected to the mobile phone 15. The stored password confirmation application program is activated to display a recipient guidance screen that prompts the mobile phone 15 that has entered the password to be brought close to the terminal information acquisition unit 8.

  When the recipient operates the mobile phone 15 and starts the application program according to the recipient information screen, a password input screen including a password input field and a password input determination key is displayed on the display screen of the mobile phone 15. The recipient inputs the password described in the voice guidance on the telephone received from the financial institution and presses the password determination key, whereby the mobile phone 15 stores the input password in the IC chip.

Then, the recipient brings the mobile phone 15 close to the terminal information acquisition unit 8 of the automatic transaction apparatus 1.
S11, the control unit 2 acquires the password and the telephone number, that is, the recipient telephone number, recorded on the IC chip of the recipient's mobile phone 15 by the terminal information obtaining unit 8, and attaches the password and the recipient telephone number. The password confirmation instruction is transmitted to the management server 10 via the communication line 11.

S12, the management server 10 searches for the transfer information stored in the server storage unit 10a based on the recipient telephone number of the received password confirmation instruction, reads the password of the corresponding transfer information, received the read password and Make sure that both passwords match by comparing the passwords.
S13, the management server 10 searches and reads the transfer amount of the corresponding transfer information, and sends the payee confirmation result indicating that the transfer amount and the password match are confirmed via the communication line 11 to the automatic transaction apparatus 1 Send to.

S14, the control unit 2 of the automatic transaction apparatus 1 stores the transfer amount of the received recipient confirmation result in the storage unit 3, recognizes from the recipient confirmation result that the passwords match, and displays the input unit. 4 displays the received transfer amount, and displays a screen asking whether to transfer the deposit amount or depositing the account, and a receiving method selection screen in which the withdrawal key and the account deposit key are arranged.
S15, the control unit 2 proceeds to the next step S16 when the payee presses the withdrawal key according to the receiving method selection screen displayed on the display input unit 4, and proceeds to step S17 when the account deposit key is pressed. .

S16, When the control unit 2 recognizes that the withdrawal key is pressed, the transfer amount stored in the storage unit 3 is read out, paid out from a cash storage unit (not shown), withdrawn to the recipient, and the transfer transaction is completed.
S17, when the control unit 2 recognizes the depression of the account deposit key, the display input unit 4 displays a screen for prompting the insertion of the transaction card or passbook of the recipient, and when the transaction card is inserted by the recipient, the card reader / writer unit 6, the account number of the card information is read from the transaction card, the transfer amount is read from the storage unit 3, the account number and the transfer amount are associated with each other and transmitted to the management server 10 via the communication line 11, and the display input unit 4 Display the screen to the effect that the transfer transaction has ended and end the transfer transaction.

On the other hand, the management server 10 reads the stored customer information based on the received account number, adds the received transfer amount to the account balance of the customer information, and ends the transfer transaction.
It should be noted that even if the telephone contact is made in the above step S9, the telephone does not reach and the telephone cannot be contacted to the recipient based on the recipient telephone number within a certain period (for example, one day). The server 10 recognizes that the transfer transaction has not been established, reads the telephone number at the time of non-establishment stored in the server storage unit 10a in association with the recipient telephone number, and makes a transfer to the customer who made the transfer based on the telephone number at the time of the non-establishment The telephone contact is made to the effect that the transfer transaction has failed.

In addition, even when the password is recognized to be inconsistent in step S12, the management server 10 recognizes that the transfer transaction has not been established, reads out the telephone number at the time of failure associated with the password stored in the server storage unit 10a, and A telephone call is made to the effect that the transfer transaction has not been established to the customer who made the transfer based on the telephone number at the time of failure.
As described above, in this embodiment, instead of entering the name of the financial institution, branch name, and bank account number of the bank account to be transferred, only the payer telephone number and the telephone number at the time of failure are entered. Therefore, since the contents to be input to the customer are reduced, the occupation time of the automatic transaction apparatus can be shortened and the business efficiency of the automatic transaction apparatus can be improved.

In addition, the cash transferred to the payee can be withdrawn as it is, so even if the payee does not have an account with a financial institution, money transfer from the customer who makes the transfer to the payee Is possible.
In the first embodiment, the automatic transaction apparatus has been described as receiving the recipient telephone number and password stored in the IC chip by the terminal information acquisition unit by non-contact communication of the mobile phone. However, the present invention is not limited to this. First, communication using infrared rays may be used.

In that case, a storage unit for storing the recipient telephone number and password and an infrared communication unit for performing infrared communication are provided in the mobile phone.
On the other hand, the automatic transaction apparatus is provided with a device communication unit for receiving infrared communication from a mobile phone.
Then, the recipient who received the notification from the management server comes to the store and presses the transfer amount handling selection key displayed on the display input unit of the automatic transaction apparatus 1 to withdraw the transfer amount or When depositing into an account, when the recipient phone number and password stored in the cellular phone are to be sent to the automatic transaction apparatus, the cellular phone reads the recipient phone number and password from the storage unit and transmits infrared rays. It transmits to an automatic transaction apparatus by a communication part.

The control unit of the automatic transaction apparatus receives the recipient telephone number and the password from the mobile phone by the apparatus communication unit. Thus, even if infrared communication is used instead of non-contact communication, the same effect as described above can be obtained.
In the first embodiment, a case where a mobile phone is used has been described as an example. However, a mobile terminal such as a PDA may be provided with an IC chip or a function for performing infrared communication.

Further, in the first embodiment, the management server that stores customer account information stores the transfer amount and the recipient's mobile phone number, generates the password, contacts the recipient, and inputs the recipient to the automatic transaction apparatus. Although it has been described that the generated password is compared with the generated password, another operation server may be provided to perform these operations.
At this time, if the payee transfers the transfer amount to his / her account after confirming the payee, the automatic transaction device receives the account number read from the inserted customer's transaction card or passbook and the contact server. The transfer amount and the account number of the customer who made the transfer are transmitted to the management server, and the management server performs processing for the transfer transaction.

  In the first embodiment, the transfer is executed by transmitting the password stored in the IC chip of the mobile phone and the mobile phone number of the receiver to the automatic transaction apparatus. However, only the password is transmitted. The transfer execution may be performed by. In that case, the recipient may be notified of the second password or the like input at the input unit of the automatic transaction apparatus by a route different from the notification of the password. Thereby, even if the portable terminal is picked up by another person, there is no risk of misuse.

  Moreover, you may perform the process by the combination of each modification mentioned above.

The block diagram which shows the transfer transaction system of Example 1 The flowchart which shows operation | movement of the transfer transaction system of Example 1.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Automatic transaction apparatus 2 Control part 3 Memory | storage part 4 Display input part 5 Cash deposit / withdrawal part 6 Card reader printer part 7 Passbook handling part 8 Terminal information acquisition part 10 Management server 11 Communication line 12 Web server 15 Mobile phone

Claims (5)

An automatic transaction apparatus that has an input unit for the customer to input the telephone number of the recipient of the transfer, and performs a transfer transaction with the customer;
And a server that generates a password required to verify the recipient,
When the server receives the recipient's telephone number input by the customer from the automatic transaction apparatus, the server generates and stores a password, and that there is a transfer to the recipient based on the telephone number And the password,
When the automatic transaction apparatus inputs a password by the recipient, the automatic transaction apparatus transmits the password to the server, thereby receiving a comparison result between the password stored in the server and the transmitted password from the server. A transfer transaction system that executes a transfer transaction to a payee when the passwords match. In the transfer transaction system according to claim 1,
An automatic transaction apparatus comprises a receiving means for receiving information stored in an IC chip of a portable terminal by non-contact communication, and accepts the input of the password from the recipient's portable terminal by the receiving means. system. In the transfer transaction system according to claim 1,
The automatic transaction apparatus includes a communication unit that communicates with a portable terminal by infrared communication, and receives the password input from the recipient's portable terminal by the communication unit. An automatic transaction apparatus that has an input unit for the customer to input the telephone number of the recipient of the transfer, and performs a transfer transaction with the customer;
And a server that generates a password required to verify the recipient,
When the server receives the recipient's telephone number entered by the customer from the automatic transaction apparatus, the server generates a password, stores the password and the telephone number in association with each other, and stores the telephone number. And notify the recipient that there is a transfer and the password,
The automatic transaction apparatus transmits a telephone number and a password stored in the server in association with the telephone number by transmitting the telephone number and the password to the server when the telephone number and the password are input by the recipient. A transfer transaction system characterized in that a comparison result with a received password is received from the server, and if both passwords match, a transfer transaction to the recipient is executed. In the transfer transaction system according to claim 1, claim 2, claim 3 or claim 4,
The automatic transaction apparatus allows a customer who makes a transfer transaction to input a telephone number to be contacted when a transaction is not established, and stores the telephone number at the time of failure in the server by transmitting the telephone number at the time of failure to the server,
When the transaction is unsuccessful, the server notifies the customer that the transfer transaction has failed based on the telephone number at the time of the failure.