JPH04336668A - Transfer device - Google Patents

Abstract

PURPOSE:To improve utility efficiency and to reduce production cost by adjusting the change on a transfer card. CONSTITUTION:A reading means 1 reading transfer information from the transfer card, a transfer money specification means 2 specifying the transfer amount of money, a cash housing means 3 housing the inputted cash, a recording means 4 recording the transfer amount, the input amount, and the unadjusted amount written in the transfer card, a discrimination means 5 deciding whether the sum of the input amount and the unadjusted amount is more than the transfer amount, and a transfer means 6 executing the transfer, are provided. When the sum of the unadjusted amount and the input amount is more than the transfer amount, the transfer is executed and the difference is written in the transfer card as new unadjusted amount to be returned. When the sum of the unadjusted and the input amount is smaller than the transfer amount, the input of the difference is displayed.

Description

[Detailed description of the invention]

0001

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a transfer device. In recent years, money transfer devices have become popular with the aim of saving labor in money transfer operations, but improvements are desired in order to improve the efficiency of device use and reduce device manufacturing costs.

0002

[Prior Art] A transfer device automatically performs transfer operations based on transfer information such as the transfer destination financial institution, transfer destination account number, transfer amount, etc. input by the transfer person. In a method in which the transfer person inputs transfer information, not only does the processing time become longer and customer service deteriorates, but also the efficiency of device usage decreases and the cost of transfer operations increases.

[0003]Recently, therefore, a transfer card is issued based on the transfer information input by the transferee in the first transaction, and when making subsequent transfers, this transfer card is inserted into a transfer device and its contents are read. I try to make it possible. Therefore, if the transferor inserts the transfer card, specifies the transfer amount using the keyboard, etc., and then inserts cash, the transfer device will automatically execute the transfer based on the above transfer information. At the same time, change will be calculated from the transferred amount and the input amount, and this will be returned to the sender.

0004

[Problems to be Solved by the Invention] As described above, in the conventional money transfer device, the money deposited by the payer is settled, and if there is change, the money is returned. Therefore, the transfer device has been equipped with various mechanisms necessary for returning change, such as a mechanism for transporting and dispensing banknotes and coins.

However, unlike electronic arithmetic control mechanisms used to control transfer operations and settlements, such mechanisms are mechanical mechanisms, and therefore generally suffer from the problem of poor reliability and frequent breakdowns. In addition, there are other problems such as a reduction in the efficiency of use of the device due to the time required for processing, and an increase in the manufacturing cost of the device due to the installation of these mechanisms.

SUMMARY OF THE INVENTION Accordingly, it is an object of the present invention to improve the usage efficiency of the device and reduce the manufacturing cost of the device by paying change using a transfer card.

[0007]

[Means for Solving the Problems] The above problems are solved by a reading means 1 for reading transfer information from a transfer card, a transfer amount specifying means 2 for specifying the transfer amount, and a cash storage means 3 for storing inserted cash. a recording means 4 for recording the transfer amount, the input amount, and the unsettled amount written on the transfer card; and a determining means 5 for determining whether the sum of the input amount and the unsettled amount is greater than or equal to the transfer amount; A transfer means 6 is provided to execute the transfer, and when the total of the unpaid amount and the input amount is greater than the transferred amount, the transfer is executed, and the difference is written on the transfer card as a new unpaid amount and returned, and the unpaid amount is returned. This is achieved by a transfer device characterized in that when the sum of the amount and the amount to be deposited is less than the amount to be transferred, a display is displayed asking the person to deposit the difference.

[0008]

[Operation] FIG. 1 is a diagram illustrating the principle of the present invention. Reading means 1
The unsettled amount read from the transfer card by , the transfer amount specified by the transfer person using the transfer amount designation means 2, and the input amount input by the transfer person from the cash storage means 3 are recorded in the recording means 4. Then, the determining means 5 determines the size of these amounts, and if there is change, it is written as an unpaid amount on the transfer card and returned, so there is no need to return the change. Therefore, the time required to return the change is omitted, improving the efficiency of use of the device, and since a mechanism for transporting and dispensing change is not required, it is possible to reduce the manufacturing cost of the device.

[0009]

Embodiment FIG. 2 is a block diagram showing an embodiment of the present invention. In the figure, reference numeral 10 denotes a transfer card carried by the transferor, on which transfer information such as the transfer destination financial institution, transfer destination account number, and unpaid amount resulting from a previous transfer request is written; 12 is a reading unit that reads the contents of the transfer card 10 and is composed of, for example, a magnetic head; 13 is a conveyance roller that conveys the transfer card 10 inserted by the transfer person; 13 is a reading unit that reads the contents of the transfer card 10; A writing section for writing the amount of money, which is composed of a magnetic head like the reading section 12, 14 a keyboard for the transfer person to enter information such as the transfer amount, and 15 displaying information necessary for the transfer person. Reference numeral 16 is a cash storage section for storing cash deposited by the payer, and reference numeral 17 is a line section for transmitting and receiving information with a host device. Reference numeral 18 denotes a main body, which includes a recording section 19, a determining section 20, a transfer section 21, and a control section 22. The recording unit 19 records the unpaid amount read by the reading unit 12, the transfer amount input from the keyboard 14, and the input amount inserted into the cash storage unit 16, and the discriminating unit 20
is for determining whether the sum of the input amount and the unpaid amount is greater than or equal to the transfer amount; the transfer unit 21 is for executing the transfer process;
The control section 22 controls each of the above sections. FIG. 2 is a flow diagram illustrating an embodiment of the invention. Embodiments of the present invention will be described below with reference to FIGS. 1 and 2.

The transfer card 10 inserted by the payer is conveyed by the conveyance rollers 11, and its contents are read by the reading section 12 (S1). Information written on the transfer card 10, such as the transferee financial institution, transferee account number, and unsettled amount, is sent to the control unit 22.

[0011] The control unit 22 sends the unpaid amount X1 of the above transfer information to the recording unit 19 to record it, and
The recipient financial institution and account number are sent to the host device via the line section 17, and their authenticity is verified.

[0012] Next, the transfer person inputs the transfer amount X2 using the keyboard 14 (S2). The control section 22 records this transfer amount X2 in the recording section 19. At this time, when the correctness of the information such as the recipient financial institution and account number is confirmed through transmission and reception with the host device, the CRT1
5 may be displayed so that the amount to be transferred is input.

[0013] Next, the transfer person deposits cash X3 into the cash storage unit 16.
(S3). The control section 22 records the inserted amount X3 in the recording section 19 after determining the authenticity of the inserted banknotes or coins.

[0014] Next, in the determination unit 20, the unsettled amount X1
It is determined whether the sum of the input amount X3 and the input amount X3 is greater than or equal to the input amount X2 (S4). If the sum of the unsettled amount X1 and the deposited amount X3 is greater than or equal to the deposited amount X2, the transfer unit 21 is instructed to execute the transfer (S5). Next, the writing unit 13 writes the difference between the total amount and the input amount X2 into the transfer card 10 (S6). Then, the transfer card 10 is sent out to the outside by the conveyance roller 11 and returned to the payer (S7).

Further, in S4, if the sum of the unsettled amount X1 and the input amount X3 is less than the input amount X2, a display is displayed on the CRT 15 to instruct the user to input the difference (S8). Then, it is confirmed whether cash has been inserted (S9). If the transfer card 10 has been inserted, the process returns to S4, and if the transfer card 10 has not been inserted, the transfer card 10 is transported as is by the transport rollers 11 and returned to the payer.

[0016] In the above embodiment, in S1, transfer information such as the transfer destination financial institution, transfer destination account number, and unsettled amount is read from the transfer card 10. Information is input from the keyboard 14. It is also possible to add a mechanism for issuing a transfer card to the configuration shown in FIG. 2, so that after the transfer is executed in S5, a new transfer card is issued, the difference is written thereon, and the card is returned.

Furthermore, in the above embodiment, the change is written as an unpaid amount on the transfer card and returned, thereby eliminating the need for a mechanism for returning change. It is also possible to add a mechanism to allow the payer to select whether to return the change in cash or write it on a transfer card when proceeding from S5 to S6. In this case, a mechanism for returning change is required as in the past, but when many senders choose to write the change on a transfer card and return it, the device usage efficiency improves compared to the past. .

[0018] Furthermore, the service can be improved by displaying the unpaid amount when the transfer card is read and having the payer confirm the minimum required amount to be deposited. Furthermore, reliability can be improved by writing amount information such as change on the transfer card and at the same time retaining information such as the unsettled amount in a file in the financial institution in association with the transfer card.

[0019]

Effects of the Invention As described above, in the present invention, since the unpaid amount is written on the transfer card and returned, there is no need to provide a mechanism for returning change, and the transfer process is made more efficient. This is beneficial in reducing costs.

[Brief explanation of the drawing]

FIG. 1: Diagram explaining the principle of the present invention,

FIG. 2 is a block diagram showing an embodiment of the present invention;

FIG. 3 is a flow diagram illustrating an embodiment of the present invention;

[Explanation of symbols]

1 reading means,
13 writing section, 2 transfer amount specification means,
14 Keyboard, 3 Cash storage means, 15
CRT, 4 recording means,
16 Cash storage unit, 5 Discrimination means,
17 line section, 6 transfer means, 18 main body, 7
display means,
19 Recording Department, 10 Transfer Card,
20 Discrimination unit, 11
Conveyance roller, 2
1 transfer section, 12 reading section,
22 control unit,

Claims (1)

[Claims] [Claim 1] A reading means (1) for reading transfer information from a transfer card, a transfer amount specifying means (2) for specifying the transfer amount, a cash storage means (3) for storing the inserted cash, and the above-mentioned transfer. a recording means (4) for recording the amount, the deposited amount, and the unpaid amount written on the transfer card; and a determining means (5) for determining whether the sum of the deposited amount and the unpaid amount is greater than or equal to the transferred amount; A transfer means (6) for executing the transfer is provided, and when the total of the unpaid amount and the input amount is greater than the transferred amount, the transfer is executed, and the difference is written on the transfer card as a new unpaid amount and returned. A transfer device characterized in that, when the total of the unsettled amount and the deposited amount is less than the transfer amount, a display is displayed to request the difference amount to be deposited.