JPS6079466A - Remittance processing system - Google Patents

Abstract

PURPOSE:To shorten an operating time by exchanging the transaction information to a destination to be transfered, when a communication to the cetner is being executed, in order to execute a transfer processing to an account of other person from a balance of the own account by an automatic depositing and paying machine. CONSTITUTION:In accordance with a guide sentence of a CRT display part 5 of an automatic depositing and paying machine, whether cash or transfer from the own account is selected. In case of a transfer from the own account, a card is inserted and a code number is inputted. Subsequently, when an amount to be remitted is designated, the center calculates it, and generates a paying electric message if payable. During that time, a payer-in inputs a bank name of the transfer destination, the name of payer-in, the kind of an ccount, a number, etc. by a touch key in accordance with a guide sentence appearing seccessively in a display part 5. The transfer destination responds whether it is receivable or not, by these signals. If receivable, a confirming key is depressed by a payable signal from the center, and in case of cash, the confirming key is depressed after throwing in the corresponding amount. In such a way, the operating time is shortened.

Description

DETAILED DESCRIPTION OF THE INVENTION [Technical Field of the Invention] The present invention relates to a transfer processing method in an automatic transaction device such as an automatic teller machine that can transfer cash to, for example, another financial institution.

[Technical Background of the Invention] In recent years, automatic teller machines that accept a magnetic card with account information submitted by the user and communicate with a host computer automatically pay cash requested by the user.
Alternatively, an automatic teller machine that accepts a magnetic passbook with a magnetic stripe on which account information is recorded and automatically dispenses the cash requested by the user by communicating with a host computer, or an automatic teller machine with a magnetic stripe on which account information is recorded. Automated teller machines, such as automatic teller machines that automatically accept cash using magnetic passbooks, and automatic teller machines that combine both of these functions into one machine, are automated equipment for bank counters. As a result, nuclear technology is rapidly developing and has been introduced by banks to provide quick services to their users.

In addition, recently, the above-mentioned automatic transaction devices have been used to accept cash and transfer the accepted cash to another bank account, or to transfer a predetermined amount from one's own account to another bank account by card transaction. Things that do this have been developed and put into practical use.

[Problems with background technology]

However, in the case of transfer transactions such as those mentioned above,
There was a problem in that the operating rate of automatic transaction devices was low because it was necessary to input the information of the transfer person, the transfer amount, and the transfer destination, which took time.

[Purpose of the invention]

The present invention has been made in view of the above circumstances, and its purpose is to provide a transfer processing method that can shorten the processing time of transfer transactions and improve utilization efficiency.

[Summary of the invention]

This invention utilizes a transaction medium to perform a transfer process from the account information of a center corresponding to the transaction medium.
The transfer destination information is input during the communication process with the center corresponding to the transaction medium.5 [Embodiment of the Invention] Hereinafter, an embodiment of the present invention will be described with reference to the drawings.

FIG. 1 shows an automatic transaction device according to the present invention. That is, on the front of the housing 1 there is an abbreviated operation section 2.
is formed. On the horizontal surface of this operation section 2, transfer,
In addition to being able to input a large number of banknotes to be transferred at once,
A bill insertion slot 3 for receiving banknote change is provided, and this bill insertion slot 3 is provided with a door 4 that can be opened and closed.

A color CRT display section 5 with a built-in touch sensor is still provided on the horizontal surface of the operation section 2. This CRT display unit 5 displays operating procedures and other information on the CRT screen using illustrations, text, and text to guide the user, and also displays the password, amount, and account number.

By pressing the display area corresponding to approval, confirmation, or cancellation of a transaction, a touch sensor (not shown) detects it, and a so-called key operation is performed that outputs a corresponding signal to the main control unit 1, which will be described later. It is something that can be done. For example, as shown in Figure 2, the message ``Please enter the payer's name'' is displayed, as well as katakana for inputting the payer's name and a key for specifying the type of business where the transfer is to be made. There is. The contents and display change each time the machine operation or step status changes.

In addition, on the vertical surface of the operation unit 2, there is a card insertion slot 6 for inserting a magnetic card as a transaction medium in which account information such as a PIN and account number is recorded, a passbook insertion lower for inserting a passbook, and a passbook insertion slot for inserting coins. A coin slot 8 for receiving coins and a coin change receiving slot 9 for receiving coin change are provided.

By the way, as shown in FIG. 3, inside the housing 1, there is a main control unit 11 that controls the entire system, which accepts a card inserted through the card insertion slot 6 and reads the PIN number 1 account number from the magnetic stripe on the card. A magnetic card reading section 12 reads account information such as the bankbook, and a passbook printing section 1 reads the magnetic stripe of the passbook inserted from the passbook insertion lower and records transaction details on the passbook and journal paper (not shown).
．． 9. A deposit/withdrawal unit 14 that accepts the banknotes inserted into the banknote insertion slot 3 and dispenses a designated amount of banknotes into the banknote insertion slot 3; a deposit/withdrawal unit 14 that accepts the coins inserted into the coin slot 8 and dispenses a designated amount of banknotes to the banknote insertion slot 3; A coin depositing and dispensing unit 15 that dispenses coins of the same amount to the coin receiving slot 9, a customer service unit 16 constituted by the CRT display section 5, a voice guidance unit 17 that provides voice guidance to customers through a speaker (not shown), and a voice guidance unit 17 for providing voice guidance to customers through a speaker not shown. An internal monitor 18, a floppy disk 19 for storing transaction data, etc., a transmission control section 20 for controlling data transmission between the main control section 11 and a host computer (not shown), and a power supply section 21 are provided. Further, the main control section 11 is connected to a remote monitor 22 provided externally for use as a substitute.

Next, the transfer processing method of the present invention in such a configuration will be explained with reference to the flowcharts shown in FIGS. 4(a) to 4(d). For example, right now, a customer stands in front of a device. At this time, the CRT display unit 5 displays the message "Welcome, please specify your payment method" and the message "Withdrawal."

Selection keys for ``deposit money, balance inquiry 1 passbook entry, transfer'' are displayed. In response to this guidance, the customer presses the button labeled "Transfer". As a result, the main control unit 11 determines to proceed to the next processing step, and the CRT display unit 5 displays [
``Please press the type of transfer'' and a selection key for ``cash or card withdrawal'' is displayed (STM). Next, the customer presses down on the area that says "Card withdrawal" according to the instructions (
ST2). As a result, the main control unit 11 determines that the transfer will be made by debiting the card.ST? ), the CRT display unit 5 displays the message "Please insert a card" (ST4). Next, the customer inserts the card into the card insertion slot 6 according to the instructions (ST5).

Then, the card is taken into the magnetic card reading section 12, and account information such as the password 1 account number recorded on the magnetic stripe section is read by a magnetic head (not shown) (ST6).

The above account information is checked by the main control unit 1 ('
ST7), if it is determined that the card is incorrect,
The main control unit 1 performs error processing. In addition, the main control unit 11
If the card is determined to be correct, the CRT display section 5 will display “
"Please press your PIN number" is displayed, along with a numeric keypad and a correction key (STJ
? ).

Next, the customer follows the instructions and enters the PIN number by pressing down on the area where the numeric keypad is displayed (S
T! 9). By inputting this password, the main control unit 11 determines whether the passwords match (5T1o), and if they do not match, performs password re-input processing. In addition, the main control unit 11
causes the password recognition section 5 to display ``Please press the transfer amount'' along with a numeric keypad and an amount key (STII).

Next, the customer follows the instructions and inserts the amount to be transferred (ST12). With this input, the main control unit 1
The T display section 5 displays the message "Press the registration key or designation key depending on whether the destination is registered or not registered" and also displays the registration key and designation key (
5TJJ). At this time, the main control unit 11 inputs the transfer destination as in the following steps, and also sends a payment message based on the account information read from the card and the input transfer amount to a host computer (center), not shown. (5T7J).

When a payment permission message is returned from the host computer in response to the transmitted payment message (5T72), the main control unit 1 retains the payment permission message as is.

As a result, payment processing is performed from the user's account while the customer is inputting the transfer destination, that is, between step 13 and step 320. Therefore, operation time can be shortened. If the host computer still returns a non-payment message in response to the sent payment message, the main control unit 11 will display the message “Balance is insufficient” on the CRT display unit 5 even while inputting the transfer destination (C3T72, 73). , the transfer transaction cannot be performed.'' is displayed and the transfer transaction is interrupted (ST74). This eliminates the need for unnecessary input operations and improves the utilization efficiency of the device.

Next, the customer inserts the specified key according to the instructions in step 13 (5T14). When the main control unit 1 determines that this designated key has been input (5T75), it displays "Please press the destination financial institution" on the CRT display unit 5, and also displays the financial institution selection key (
5TI6).

Following this guidance, customers can push down on financial institutions (
STMy). By pressing this button, the main control unit 11 determines that it is not an individual institution name (5T18), and if it determines that the list is not possible (STI9), the CRT display unit 5 displays "Please enter the initial letter of the destination bank name" and , katakana key, correction key, and completion key are displayed (ST20)
. Then, when the completion key is pressed (ST21),
Alternatively, in step 19, the main control unit 11 displays a list (5T12). By following this guide or when the main control unit 11 determines that an individual institution name has been entered in step 18, the main control unit 11 determines that the list of branch names is not possible (5T24), the CRT display unit 5 The message ``Please enter the initial letter of the destination branch name'' is displayed, along with a katakana key, a correction key, and a completion key (ST?4'). Then, when the completion key is pressed (S'r'5) or when it is determined in Stella 7'24 that a list of branch names is possible, the main control unit 11 controls the CRT display unit 5.
to display the branch name selection key ``Press destination branch name'' (5T26). Next, the customer presses the branch name selection key according to the instructions (
Si27).

By pressing this button down, the main control unit 1 displays “” on the CRT display unit 5.
Please enter the destination account number and deposit type.'' along with the numeric keypad and correction key.

Display the normal key and temporary key (ST2N).

Following this guidance, the customer enters the account number and deposit type (5T29). With this input, the main control unit 1
If it is determined that the branch is not the main branch (5Tso), the CRT
The message "Please press recipient name" is displayed on the display section 5, and the katakana key, correction key, and completion key are also displayed (5T31). Then, when the completion key is pressed (Si32), when Stella fso determines that it is the main branch, or when it is determined in step 15 that the registration key has been input, the main control unit 11 displays the message ``The computer is currently processing. Please wait" is displayed (S
i33). The main control unit 11 still causes the inquiry message to be printed on the journal paper 59 (5TJ4). Next, if the main control unit 11 determines that it is not registered (Si35), the C
``Please confirm recipient'' is displayed on the RT display unit 5, and a confirmation key and a cancellation key are also displayed (5Tse). Following this guidance, the customer inserts the next registration designation key, confirmation key, or cancellation key (
ST,? 7). Then, when the main control unit 11 determines that the next registration designation key is to be input (5T38), the process returns to step 36, and when it is determined that the cancellation key is to be input (Si38), a cancellation process is performed. Further, when the main control unit 11 determines registration in Stellar FSS, the main control unit 11 displays "Please confirm recipient" and also displays a confirmation key and a correction key (Si20). Following this guidance, the customer inserts the confirmation key or cancellation key (Si
41).

Then, when the main control unit 1 determines that the cancel key has been input (
Si42), performs cancellation processing.

In this cancellation process, in the case of a transfer process using a card, since the payment process has already been completed in the post computer (not shown), the main control unit 1 sends the payment cancellation message to the host computer (i-t-). That is, main control section 1
) sends a payment cancellation message to the host computer when the customer inputs the cancellation key. This payment cancellation message includes the customer's account number, amount, and information indicating that it is a cancellation message, similar to the deposit message.

As a result, the host computer deposits the amount paid in the last payment message into the customer's account and cancels the payment transaction. As a result, information regarding the current transaction (payment, payment transaction) is deleted from the transaction record of the host computer. In the above payment cancellation message, the automated transaction device side sends information related to the cancellation (account number, amount, etc.) to the host computer, so the host computer determines that the payment processing is complete when the payment message processing is completed. ing. Therefore, since the host computer does not need to secure information for future cancellation messages, there is no need to store useless information.

In addition, when the main control unit 11 determines that the confirmation key has been inserted in the Stella fss 42 and determines that the card is not being used (5Tsy), the main control unit 11 displays the CRT display unit 5 and displays the message “Please enter the name of the payer.” At the same time, katakana and a key for instructing the type of business to which the transfer is to be made are displayed (Si43).

Following this guidance, press the sender's name and the completion key (5T44). By pressing this completion key, the main control unit 1 will display the following command: [f4%t Please post]
is displayed, and a numeric keypad completion key is also displayed (ST45). Following this guidance, the customer inputs his phone number and completion key (8T46). When this completion key is input, or when the main control unit 1 determines that the card is to be used in step 39, the main control unit 1 displays the “transfer transfer” on the CRT display unit 5. If you agree with the contents, please press confirm.'' and display the transfer details, cancellation key, and confirmation key (5T47
). In response to this guidance, the customer inserts the confirmation key or cancellation key (5T4B). When the main control unit 1 determines that the cancellation key has been inserted (S149), it performs a cancellation process and determines that the confirmation key must be input. 5T5 (7) When it determines that the card is not used, the CRT display unit ``Please put banknotes and coins into their respective slots. If you agree, press the confirmation key.'' is displayed, and a confirmation key and a cancellation key are also displayed (ST5J
). Following this guide, the customer inserts the banknotes into the banknote insertion slot 3.
and insert the coin into coin slot 8 (ST52).
.

Then, the banknotes are received by the coin deposit/withdrawal unit 14 and inspected and counted, and the coins are received by the coin deposit/disburse unit 15 and inspected and counted (F3T53). When the above-mentioned inspection counting is completed, the main control section 11 displays the Stella 7 on the CRT display section 5.
The input amount is displayed on the '51 display (ST54).

In response to this guidance, the customer inserts the confirmation key or cancellation key (5T55). Then, when the main control unit 11 determines that the cancellation key has been pressed (5T56), the cancellation process is performed. When the main control unit 1 determines to input the confirmation key, or when it determines to use the card in step 50,
The CRT display unit 5 displays “The computer is currently processing.
Please wait for a while.j will be displayed (5T57
). The main control unit 11 also sends and receives an upsetting message, and prints the result on a journal paper (not shown) using a printing device (not shown).
(not shown) and printed on the transfer request form 10 (
5T5B). Upon completion of this printing, the main control unit 1 compares the transferred amount with the withdrawn amount or input amount to determine whether there is change (5Tsy).

When the main control unit 1 determines that there is change, CR
On the T display section 5, the message ``Please accept bills and coins from their respective receiving slots'' will be displayed (5T61). At this time, the main control section 1
Activates the deposit/withdrawal unit 14 to discharge change banknotes into the bill insertion slot 3, and activates the coin deposit/withdrawal unit 15 to discharge change coins into the coin receiving slot 9 (ST61).
. The customer receives change due to this release (5T62)
. When this change has been received, or in step 5
When the main control unit 1 determines that there is no change at step 9, the main control unit 1 should receive the card on the CRT display unit 5.
is displayed. At this time, the main controller 1 causes the card to be ejected from the card insertion slot 6 (5T64). Next, the customer receives the card 15 (5T65) and completes the transfer process.

In the above embodiment, the payment message is sent to the host computer when the customer completes inputting the transfer amount, but the present invention is not limited to this. A payment message may be sent to the host computer at the time of determination.

[Effects of the Invention] According to the invention as detailed above, it is possible to provide a transfer processing method that can shorten the processing time of transfer transactions and improve utilization efficiency.

FIG. 3 is a diagram showing the configuration of the main parts of the electric circuit, and FIG. 3 is a flowchart for explaining the transfer operation.

3... Bill insertion slot, 5... CRT display section, 6...
Card insertion slot, 7... Passbook insertion slot, 8... Coin insertion slot, 1... Main control section, 13... Passbook cylinder section.

Applicant's agent: Patent attorney Takehiko Suzue Figure 1 Figure 4 (b) Figure 4

Claims (1)

[Claims] In a device that uses a transaction medium to perform a transfer process from account information of a center corresponding to the transaction medium, an input means for inputting transfer transaction information and a means for performing communication processing with the center corresponding to the transaction medium are provided. 1. A transfer processing method, wherein transfer transaction information is inputted by said input means during communication with a center by said means.