JP2002352085A - Automatic transaction system, device therefor and transfer card used therefor - Google Patents

Abstract

PROBLEM TO BE SOLVED: To cancel troublesomeness in an operation by a customer. SOLUTION: An automatic transaction system is provided with an automatic transaction device 3 for performing a transaction by the operation of the customer, a terminal such as a personal computer 4 or a cellular phone 5 and a host computer 1 which is connected to the automatic transaction device 3 and the terminal so as to manage transaction information which is transmitted from the device 3 and the terminal by account of each customer. The system is characterized such that the customer selects the transmission of a transfer report mail which reports the transfer to a transfer destination by the customer in the case of a transfer transaction, inputs the electronic mail address of the transfer destination and, then, transmits the transfer report mail to the electronic mail address.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic transaction apparatus (hereinafter, referred to as ATM) for conducting a transaction by a customer operation.
The present invention relates to an automatic transaction system including a host computer as a host device installed in a center of a financial institution or the like.

[0002]

2. Description of the Related Art In a bank, an automatic transaction device installed in a store and a host computer are connected by a communication network.
Automated transaction systems that perform financial-related transactions by communicating between the automated transaction device and a host computer while allowing the customer to operate the automated transaction device have become widespread, and the main type of transaction is "cash deposit". , "Pay cash",
“Balance inquiry”, “transfer”, “passbook entry”, and the like are known.

In such a system, when a customer performs a transfer transaction by operating an automatic transaction apparatus, a transfer is made from a customer's account to a counterparty's account based on information on a transfer card inserted by the customer or information input by the customer. Alternatively, the cash inserted by the customer is transferred to the other party's account, the receipt is released, and the cash card or the transfer card is returned.

[0004] Information on the processing results in these transactions is:
The information is sent from the automatic transaction device to the host computer, and is managed as transaction information for each customer by the host computer.

[0005]

However, according to the above-mentioned prior art, the customer cannot confirm whether or not the balance of his or her account has been changed by a transfer from another person at the time of a transaction. If you want to make a payment transaction by checking the balance, press the balance inquiry key of the automatic transaction device to check the balance, or perform a passbook entry transaction and check the change in balance due to the transfer transaction, then make the payment transaction Therefore, a plurality of transactions are performed, which makes the operation troublesome for the customer, and the financial institution has a problem that the transaction time of one customer is prolonged and the operation efficiency is reduced.

[0006] In recent years, it is also possible for customers to access the homepage of a financial institution by Internet banking and to perform balance inquiries and transfer transactions. It is necessary to conduct a transfer transaction after making an inquiry, and there is a problem that the operation is complicated. Therefore, the present invention enables a customer of a transfer destination to know that a transfer transaction has been performed without confirming the balance through a balance inquiry or a passbook entry transaction, thereby making it necessary for the balance inquiry and the passbook entry transaction. An object of the present invention is to be able to eliminate the complexity of operation.

[0007]

An automatic transaction device for executing a transaction by a customer operation, a terminal such as a personal computer or a mobile phone, and the automatic transaction device and the terminal are connected to each other.
In an automatic transaction system equipped with a host computer that manages transaction information sent from each automatic transaction device and terminal for each customer's account, a transfer notification that notifies the customer that the customer has made a transfer at the time of transfer transaction When the user selects to send an e-mail and inputs an e-mail address of a transfer destination, the transfer notification mail is transmitted to the e-mail address.

[0008]

Embodiments of the present invention will be described below with reference to the drawings. (First Embodiment) FIG. 1 is a block diagram showing a first embodiment. In the figure, reference numeral 1 denotes a host computer installed at a center, and 3 denotes an automatic transaction device installed at a bank store or the like. .

Reference numeral 4 denotes a personal computer, and 5 denotes a mobile phone. The automatic transaction apparatus 3, the personal computer 4, and the mobile phone 5 are connected to the host computer 1 via a communication network.
In FIG. 1, the automatic transaction device 3, the personal computer 4, and the mobile phone 5 are shown.
Are shown one by one, but a plurality of automatic transaction devices 3, a personal computer 4, and a mobile phone 5 are connected to the host computer 1.

The host computer 1 has a customer data file 2, manages transaction information for each customer account using the customer data file 2, and bidirectionally communicates with the automatic transaction device 3, the personal computer 4, and the mobile phone 5. Inquiry of the personal identification number, search and transfer of the transaction information held in the customer data file 2, update of the transaction information, etc. while performing the transaction, the transaction with the automatic transaction device 3, the personal computer 4, and the mobile phone 5 is performed smoothly and quickly. In the present embodiment, the customer data file 2 stores transaction information for each account in association with the personal identification number and account number of the customer.

On the other hand, the automatic transaction apparatus 3 includes a customer operation display section 6, a card reading / printing section 7, a banknote pay-in / pay-out machine 8, a coin pay-in / pay-out machine 9, a passbook bookkeeping machine 10, a control section 11, and the like. Here, the customer operation display unit 6 includes a touch panel functioning as information input keys arranged on a display unit such as a CRT or an LCD. The display unit displays words and illustrations for guiding the customer operation, and , A display that defines the contents of the keys on the touch panel
As a result, the customer can select a desired transaction, input a personal identification number and a transaction amount, etc., and the display unit also displays information such as the input information, a balance based on the input information, and a transaction history. Has become.

The card reading / printing section 7 takes in a magnetic card or a transfer card inserted by a customer, reads information such as a customer's name and account number recorded on a magnetic stripe of these cards, and reads a magnetic card. Has a card reader / writer for writing to update the balance, and a statement printing unit for printing and releasing the details of the transaction on the statement.

The banknote pay-in / pay-out device 8 performs a banknote pay-in / pay-out process associated with a transaction, and the coin banknote pay-in / pay-out device 9 similarly performs a coin deposit / withdrawal process in accordance with a transaction. The passbook entry machine 10 takes in the passbook inserted by the customer at the time of depositing and paying cash, or bookkeeping transaction, and reads information such as the customer's name and account number recorded on the magnetic stripe of this passbook, The transaction information of the current transaction and the unregistered transaction information of past transactions are printed on the passbook.

The control unit 11 has a function of controlling the operation of each of the components 6 to 10 and executing a transaction in accordance with communication with the host computer 1. FIG. 2 is a perspective view showing the appearance of the automatic transaction apparatus 3, and the same elements as those in FIG. 1 are denoted by the same reference numerals. Hereinafter, the operation of the above configuration will be described.

FIG. 3 is a flowchart showing a transfer transaction in the first embodiment, and FIGS. 4A to 4H are views showing display screens of the customer operation display section 6 in the transfer transaction. With reference to these figures, the transfer transaction will be described in the order of processing steps. The control unit 11 of the automatic transaction apparatus 3 causes the customer operation display unit 6 to display an initial screen shown in FIG. 4A, and the customer sees this screen and selects a desired transaction by pressing a key. Is selected (S1).

When the customer selects a transfer transaction, the control unit 11
Displays a screen for prompting insertion of a card or passbook on the customer operation display section 6 shown in FIG. 4B, and simultaneously instructs the card reading / printing section 7 and the passbook entry machine 10 to accept the card or passbook. . As a result, the customer inserts the magnetic card into the card reading / printing section 7 and further inserts the passbook into the passbook registering machine 10 when he / she wants to keep a record (S2). Then, the information is read into a magnetic card and a magnetic stripe provided on a passbook.

This information is transferred to the control unit 11 and stored in a predetermined memory (not shown). Subsequently, the control unit 11
The bank name of the transfer destination shown in FIG.
Display a screen prompting you to enter the branch name and account number.
Upon seeing this, the customer inputs the bank name, branch name, and account number of the transfer destination using a pseudonym key, a numeric key, or the like (S3). Subsequently, the control unit 11 displays the customer operation display unit 6 as shown in FIG. A screen prompting for the input of the customer name, address, and telephone number of the transfer destination is displayed, and upon seeing the screen, the customer inputs the customer name, address, and telephone number using a pseudonym key, a numeric key, or the like (S4).

Next, the control section 11 transmits to the customer operation display section 6 an electronic mail (hereinafter referred to as a transfer notification mail) indicating that the transfer has been made to the transfer destination shown in FIG. If the customer presses the “No” key to specify not to send the transfer notification mail to the transfer destination after seeing this screen, the process proceeds to input of the transfer amount (S
7) When the "yes" key for designating transmission of the transfer notification mail is pressed, the control unit 11 prompts the customer operation display unit 6 to input an e-mail address shown in FIG. Display a key to enter an email address.

When the customer looks at this screen and enters the e-mail address of the transfer destination (S6), the control unit 11 then prompts the customer operation display unit 6 to input the transfer amount shown in FIG. A screen in which numeric keys (numeric keys) and the like are arranged is displayed. In addition to the method of inputting the e-mail address of the transfer destination, other than the method of inputting the e-mail address from the customer operation display unit 6 of the ATM 3, the transfer card or the e-mail address stored in the host computer 1 in advance is used. It is also possible for the customer to select the transfer destination e-mail address.

When the customer inputs the amount of the transfer (S7), the control unit 11 displays the customer operation display unit 6 as shown in FIG.
Is displayed on the screen, and when the customer deposits cash into the banknote depositing / dispensing machine 8 or the coin depositing / dispensing machine 9 (S8), the cash is transferred to the banknote depositing / dispensing machine 8 or coin depositing / dispensing. It is counted and stored in the machine 9 (S9). In this transfer transaction, the customer (S3), (S4), (S5), (S5)
All information (hereinafter referred to as transfer information) such as the bank name, account number, name, address, e-mail address, and transfer amount of the transfer destination input in 8) is transferred to the control unit 11 and read from the magnetic stripe. The data is stored in a memory (not shown) together with the data.

After the process of counting and storing the cash input by the customer, the control unit 11 transfers all the transfer information to the host computer 1 and stores it in the customer data file 2 (S10). Then, the host computer 1 transmits a transfer notice mail to the transfer destination e-mail address (S11).

As a result, the customer at the transfer destination can use the personal computer 4
By receiving the e-mail transmitted from the host computer 1 using the mobile phone 5, the user can know that the transfer has been made to his / her account. When conducting a transfer transaction using a transfer card, the transferee's bank name, branch name, account number, etc., and the transferee's customer name, telephone number,
By pre-registering the e-mail address in addition to the information such as the name, the transfer information can be automatically input, so that the key input operation of (S3), (S4), and (S6) can be omitted.

Further, in the present embodiment, the transfer notice mail is transmitted from the host computer 1, but the ATM 3
Control unit 11 has an e-mail transmission function, and ATM3
, A transfer notification mail may be transmitted to the transfer destination customer. Furthermore, when sending the transfer notification mail to the transfer destination, the host computer 1 or ATM
It is also possible to set a fee required for transmitting the transfer notification mail to the control unit 11 of 3 and charge the customer by adding a transfer fee of the transfer notification mail in addition to the transfer fee.

As described above, according to the first embodiment,
When performing a transfer transaction, you can send an e-mail notifying the transfer destination that the transfer has been made, so the person at the transfer destination has been transferred without checking the balance by balance inquiry or passbook entry transaction Can be known, and the complexity of operations required for balance inquiry and passbook entry transaction can be eliminated. (Second Embodiment) The second embodiment is different from the first embodiment in that a customer can create a transfer notification e-mail message, and the ATM 3 previously holds a plurality of example sentences. .

FIG. 5 is a diagram showing an example of a display screen of the customer operation display unit according to the second embodiment. On the screen asking whether or not to send a transfer notification mail as shown in FIG. 4 (e), the customer conducting the transfer transaction presses the "Yes" key for designating the transfer of the transfer notification mail to the transfer destination. When the user inputs a transfer destination e-mail address, a message creation screen shown in FIG. 5 is displayed.

FIG. 5 shows, for example, "A: congratulation" and "B:
The keys "Thank you", "C: Condolence", and "D: Free text" are displayed, and the customer selects one from A to D. A
When one of C is selected, a plurality of example sentences corresponding to each case are displayed. The customer can select a message from the example sentence and send it to the transfer destination as a transfer notification mail.

It is also possible to arrange the selected example sentences. When the customer selects the free text of D, the customer can freely create a message and send it to the transfer destination. As described above, according to the second embodiment, when performing a transfer transaction, a message can be created and transmitted to the transfer destination, so that the transfer destination person can confirm the balance by checking the balance or performing a passbook entry transaction. It is possible to know that the transfer transaction has been performed without receiving a message and to receive a message from the transfer person.

[0028]

As described above, according to the present invention,
The customer can send an e-mail notifying the transfer destination to the transfer destination at the time of the transfer transaction. In addition, the person at the transfer destination can know that the transfer transaction has been performed without checking the balance by performing a balance inquiry or passbook entry transaction by e-mail sent from the transferee, and can check the balance and passbook entry. It is possible to eliminate the complexity of the operation required for the transaction.

Further, by transmitting e-mail, the financial institution can realize an improvement in service to customers and an increase in commission income.

[Brief description of the drawings]

FIG. 1 is a block diagram showing a first embodiment.

FIG. 2 is a perspective view showing the appearance of the automatic transaction apparatus.

FIG. 3 is a flowchart showing a transfer transaction according to the first embodiment;

FIG. 4 is a diagram showing an example of a display screen according to the first embodiment.

FIG. 5 is a diagram showing an example of a display screen according to the second embodiment.

[Explanation of symbols]

 REFERENCE SIGNS LIST 1 host computer 2 customer data file 3 automatic transaction device 4 personal computer 5 mobile phone 6 customer operation display unit 7 card reading and printing unit 8 banknote depositing / dispensing machine 9 coin depositing / dispensing machine 10 passbook bookkeeping machine 11 control unit

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G07D 9/00 451 G07D 9/00 451C G07F 19/00 476 (72) Inventor Yoshinori Sato Toranomon, Minato-ku, Tokyo 1-7-12 Oki Electric Industry Co., Ltd. (72) Inventor Okunoku 1-7-7 Toranomon, Minato-ku, Tokyo 1-72 Oki Electric Industry Co., Ltd. (72) Inventor Yasuhisa Ogawa 1-chome Toranomon, Minato-ku, Tokyo No. 7-12 Oki Electric Industry Co., Ltd. (72) Inventor O ▲ saki ▼ Fumiaki 3-1 Futaba-cho, Takasaki-shi, Gunma F-term in Oki Information Systems Co., Ltd. 3E040 AA03 AA07 BA07 CA02 CA14 CB04 DA03 EA01 FH04 FJ04 FK05 FK10

Claims (8)

[Claims] 1. An automatic transaction device for executing a transaction by a customer operation, a terminal such as a personal computer or a mobile phone, and connected to the automatic transaction device and the terminal, and transmitted from each automatic transaction device or terminal. In an automatic transaction system including a host computer that manages incoming transaction information for each customer account, at the time of a transfer transaction, select to send a transfer notification email notifying that the customer has made a transfer to the transfer destination, An automatic transaction system wherein, when an e-mail address of a transfer destination is entered, the transfer notification mail is transmitted to the e-mail address. 2. The automatic transaction apparatus according to claim 1, wherein the automatic transaction apparatus has a function of transmitting an e-mail, and at the time of a transfer transaction, the customer selects to transmit the transfer notification mail and sets an e-mail address of the transfer destination. The automatic transaction system wherein the automatic transaction device transmits the transfer notice mail to the e-mail address when input. 3. The transfer computer according to claim 1, wherein the host computer has a function of transmitting an e-mail, and at the time of a transfer transaction, the customer selects to transmit the transfer notification mail and inputs an e-mail address of a transfer destination. Then, the host computer sends the transfer notification mail to the e-mail address. 4. An automatic transaction apparatus which is connected to a terminal such as a personal computer or a mobile phone and a host computer which manages transaction information for each customer account, and executes a transaction by a customer operation. With the ability to send e-mail,
At the time of the transfer transaction, when the customer selects to send a transfer notification e-mail notifying that the customer has made a transfer to the transfer destination, and inputs an e-mail address of the transfer destination, the automatic transaction device sends the transfer to the e-mail address. An automatic transaction device for transmitting a notification mail. 5. The automatic transaction apparatus according to claim 4, wherein a transfer fee for a transfer notification mail is set in one of the automatic transaction apparatus and the host computer, and the customer is charged together with the transfer fee. 6. An automatic transaction apparatus that is connected to a terminal such as a personal computer or a mobile phone and a host computer that manages transaction information for each customer account, and executes a transaction by a customer operation. If you hold multiple patterns of example sentences for creating an email, at the time of the transfer transaction, the customer selects to send an email to the transfer destination, and enters the e-mail address of the transfer destination,
An example sentence for creating an e-mail held in the automatic transaction device is displayed on the screen, and when the customer selects a sentence from the example sentence to create an e-mail, the e-mail is transmitted to the e-mail address. Automatic transaction device characterized by the above. 7. An automatic transaction apparatus which is connected to a terminal such as a personal computer or a mobile phone and a host computer which manages transaction information for each customer account and executes a transaction by a customer operation. Chooses to send an e-mail to the bank and enters the bank's email address,
An automatic transaction apparatus, wherein a screen for creating an email is displayed, and when the customer creates an email, the email is transmitted to the email address. 8. An e-mail address of a transfer destination is stored in a transfer card used for a transfer transaction, and when a customer performs a transfer transaction using the transfer card, it is determined that the transfer has been performed. A transfer notification mail transmitted to the transfer card is read, an e-mail address registered in the transfer card is read, and the transfer notification mail is transmitted to the e-mail address.