JP2003272031A - Automated teller machine, control method for the same, and program to have control method executed by computer - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an automated teller machine capable of easily performing the transfer transactions in a case where a receiver pays transfer charge. <P>SOLUTION: Whether the transfer charge is paid by a transferor or paid by the receiver is designated (S308, S309), the transfer charge corresponding to the transfer transaction is selected from a table (list 1) of the transfer charges stored in a storage device on the basis of the transfer transaction information such as the amount of transferred money and the like, and the transfer charge is deducted from the transferred money in a case when the receiver pays the transfer charge (S311) to perform the transfer transaction (S313). <P>COPYRIGHT: (C)2003,JPO

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic teller machine and a method of controlling the automatic teller machine, and more particularly,
The present invention relates to an automatic teller machine having a transfer function and a control method for such an automatic teller machine.

[0002]

2. Description of the Related Art Automated teller machines (Automated Teller)
Machine, hereinafter referred to as ATM) is widely installed in banks and the like. Further, in recent years, Internet banking, which provides services similar to ATM via the Internet, has become widespread. In such ATM or Internet banking, it is possible to perform bank account balance inquiry, deposit / withdrawal processing, and transfer processing.

ATM and Internet banking are available regardless of the business hours of the bank counter, and the charges for transfer processing are cheaper than those of the bank counter, which is convenient for the user.

[0004]

In the transfer processing, the transfer person often bears the fee, but in some cases, the payee also bears the fee. In the case of the recipient's burden, the transferee deducts the fee from the transfer amount and sends it to the recipient, so that the recipient actually bears the fee. This is in the transfer process,
This is because the bank does not provide a service that deducts only the fee from the recipient's account.

Further, the transfer fee is not uniform, and varies depending on the transfer amount, the transfer destination bank, and the like. Since the transfer fees are mixed in this way, when the transfer was made at the expense of the payee, it had to be processed at the bank counter. In other words, ATMs and Internet banking do not have the functions of inquiring about fees and performing transfer processing including fees, so unless you know how much the transfer fee will be charged, you can only request processing at the bank window. , Convenience of ATM and internet banking was impaired.

The present invention has been made in view of the above points, and an automatic teller machine and an automatic cash dispenser capable of easily performing a transfer process even when a payer pays the transfer fee. It is intended to provide a method of controlling a deposit payment machine.

[0007]

In order to achieve the above object, the automatic teller machine of the present invention inputs the selection information as to whether the transfer fee or the payee is responsible for the transfer fee, Characterized by selecting a fee according to the transfer transaction based on the transfer transaction information such as the transfer amount, and deducting the fee from the transfer amount when performing the transfer transaction when the recipient's burden is selected .

The automatic teller machine of the present invention also has a selection means for selecting whether the transfer fee is to be paid by the transferee or the payee, and an input for accepting the transfer transaction information such as the transfer amount. Based on the means, the storage means storing the table of the transfer fee, and the transfer transaction information,
It has a determining means for determining the fee according to the transfer transaction from the transfer fee table, and when the payee's burden is selected by the selecting means, the fee determined by the determining means is subtracted from the transfer amount to carry out the transfer transaction. It is characterized by being configured as follows.

[0009] With this, even if the transfer person does not know the fee for the transfer transaction, the ATM automatically selects and determines the necessary fee, and deducts the transfer amount from the transferee's account. By paying to the recipient's account, it is possible to carry out the transfer transaction with a substantial fee recipient burden.

In this case, it is preferable to further have a display means for displaying the fee and / or the transfer amount after deducting the fee. As a result, the transfer user who is the ATM user can know the fee related to the transfer transaction.

The present invention can be grasped as a control method for an automatic teller dispenser, and even in that case, the same effects as the above can be obtained. Further, the control method of the automatic teller machine can be recorded in a computer-readable recording medium and provided as a program to be executed by a computer.

[0012]

BEST MODE FOR CARRYING OUT THE INVENTION Embodiments of the present invention will be described below with reference to the drawings.

FIG. 1 shows an ATM according to an embodiment of the present invention.
It is a figure which shows the initial screen of the operation panel of 10. In the present embodiment, an A equipped with a touch panel type operation panel
The TM will be described as an example. However, the present invention is not limited to the touch panel method, and is not limited to the touch panel method.
It is possible to apply to TM.

As shown in FIG. 1, the ATM 1 of the present embodiment.
0 can perform deposit processing, withdrawal processing, passbook entry processing, balance inquiry processing, fixed deposit processing, transfer processing, transfer processing, cashing processing, etc., and a switch for selecting various processing is available. It is displayed on the operation panel 12. When the user selects a desired process, the screen displayed on the operation panel 12 is appropriately changed according to the selected process, and the user is prompted to input necessary information. For example, in the transfer process, the screen displayed on the operation panel is changed in order to input information such as the transfer destination bank, the transfer account number, the transfer amount, and a message to the recipient.

FIG. 2 is a system configuration diagram of the ATM 10. As shown in the figure, the ATM 10 includes a central control unit (CPU) 30. The CPU 30 is connected to a host computer (server) 20 outside the ATM via an interface 32. The host computer 20 can access and read / write a database in which information about various accounts is stored.
Data is exchanged with 10.

The ATM 10 also includes a ROM 34 and a RAM.
36, input / output control unit 38, bill receiving opening / closing control unit 40,
A card reader control unit 42 and a print control unit 44 are provided, and these are connected to the CPU 30.

The ROM 34 stores various control programs and display patterns. Further, the RAM 36 is provided with a transmission / reception buffer for communication with the host computer 20 and a print buffer for printing transaction details.

The input / output control unit 38 is the operation panel 1 described above.
The control unit 2 controls the CPU 2 to display various screens on the operation panel 12 according to an instruction from the CPU 30, and notifies the CPU 30 of operation information of the operation panel 12 by the user.

The banknote receiving port opening / closing control unit 40 opens and closes the banknote receiving port 14 in response to an instruction from the CPU 30 in order to receive banknotes deposited in the ATM and to deliver banknotes dispensed from the ATM. Further, the bill counting unit 46 recognizes the types of bills to be deposited and withdrawn in the bill receiving port, and counts the number of bills.

The card reader control unit 42 controls the card reader 16 to read the information magnetically recorded on the card of the ATM user, and notifies the CPU 30 of the information to authenticate the personal identification number. The CPU 30 also communicates with the host computer to obtain information such as account balance.

The print control unit 44 controls the print unit 18 to print transaction details and passbook entry.

The human body detection sensor 48 is used by the user for ATM1.
The CPU 30 is notified that it has approached 0, and the CPU 30 is notified. C
The PU 30 receives the notification from the human body detection sensor 48 and returns the ATM 10 from the standby state.

In addition to the operation panel 12, the ATM 10 outputs, by voice, various operation guides for the ATM user by the voice output section 50.

As described above, the ATM 10 of this embodiment is used.
Can perform various transaction processing while obtaining necessary information from the user and communicating with the host computer 20 as necessary.

Next, the transfer processing by the ATM of the present invention will be described with reference to the flowchart shown in FIG. When the transfer process is selected by the user on the operation screen 12 in which the initial screen as shown in FIG. 1, that is, the transaction process selection screen is displayed, the CPU 30 gives an instruction to the input / output control unit 38 to treat the card or cash. A screen for selecting the handling category is displayed on the operation panel 12 (S301). In the following, a case of handling a card will be described as an example. When the card handling is selected and instructed (S302; card), a message prompting for card insertion is displayed (S303), and when a card is inserted (S304; Yes), a screen for reading card information and inputting a personal identification number Is displayed, and the input personal identification number is compared with the personal identification number recorded in the card information to perform the authentication process (S305). If the user is authenticated, a screen for inputting the transfer destination bank and branch is displayed on the operation panel 12, and a screen for inputting the transfer destination account number and transfer amount is displayed (S
306). When these pieces of information are input, the information is transmitted to the host computer 20 for inquiry, the transfer destination account name information is acquired from the host computer 20, and displayed on the operation panel 12 together with the transfer information input so far. Yes (S307). The processing up to this point is the same as the conventional ATM.
This is similar to the transfer process performed in.

Next, the CPU 30 gives an instruction to the input / output control unit 38 to display a selection screen for inputting information as to whether the transfer fee is paid by the transfer person or the payee is charged (S308). In the present embodiment, it is displayed according to the display screen of the previous step S307. FIG. 4 shows an example of the display. As shown in Fig. 4, together with the transfer destination bank, branch name, account number, account name, and transfer amount information entered so far, a key that specifies whether the burden of the transfer fee is the transfer recipient or the recipient. Is displayed. However, without displaying both the key to instruct the transferee's burden and the key to instruct the recipient's burden, only the key to instruct the recipient's burden is displayed. It is also possible to process.

Here, when the transfer person's burden is designated (S309: transfer person), as shown in FIG. 5, the amount of the transfer fee is displayed and the user is confirmed (S310).
When the payee's burden is designated (S309; payee), the amount of the transfer fee and the new transfer amount obtained by subtracting the transfer fee from the transfer amount are displayed as shown in FIG. The user is asked to confirm (S311). It should be noted that regardless of which person bears the fee, at least one of the fee and the transfer amount may be displayed.

Then, when the confirmation is made by the user,
The transaction details including the transfer transaction information are printed by the printing unit 18 and ejected (S312). Although the processing with the ATM user is completed, the ATM 10 and the host computer 20
On the side, the transfer transaction information input so far is transmitted to the host computer, and the transfer transaction processing is actually performed (S313). In other words, if the fee is paid by the transferee, the transfer amount and the fee will be deducted from the transferee's account and the transfer amount will be credited to the recipient's account. The amount less the commission will be deducted from the transfer account and deposited into the recipient account.

The ROM 34 stores a table recording transfer fees as shown in the following table.

[0030]

[Table 1]

As can be seen from Table 1, the transfer fee is
It depends on the type of handling such as card handling or cash handling, the bank to which the money is transferred, and the amount of money to be transferred. Also,
Depending on the bank, there are cases in which the contents of transactions are converted into points and services are provided according to the points. More specifically, ATM usage fees, transfer fees, and interest rates are given preferential treatments in accordance with transactions such as funded deposits and automatic payment of public utility charges. The card (preferential treatment) shown in the table of Table 1 is an example of the case where the fee is preferentially treated by this point service.

By using a rewritable non-volatile memory device such as a flash memory as the ROM 34, the transfer fee table can be appropriately updated.

The CPU 30 uses the information recorded on the transfer person's card and, if necessary, the host computer 20.
Based on the information related to the transfer person obtained by communication with
The transfer fee is determined from the table shown in Table 1.

As described above, the ATM 1 of this embodiment
In 0, when the transfer process is selected, it is possible to select whether the transfer fee or the payee should bear the fee, instead of starting the transaction immediately as the fee transfer person's burden. Further, in the case of the recipient's burden, it is possible to automatically calculate the amount of money after deducting the commission and perform the transfer process. Therefore, according to the above operation, the transfer processing can be easily performed at the payee's expense even if the transfer person does not know the amount of the transfer fee.

In the above embodiment, the case of handling a card has been described, but an ATM capable of handling coins can be used in a similar manner even when handling a cash. Also, similar processing can be applied to Internet banking.

[0036]

As described above, according to the present invention,
Even if the transfer fee is borne by the recipient, it is possible to provide an automatic teller machine that can easily perform the transfer process.

[Brief description of drawings]

FIG. 1 is a diagram showing a display example of a transaction processing selection screen of an ATM operation panel of the present embodiment.

FIG. 2 is a system configuration diagram of an ATM according to the present embodiment.

FIG. 3 is a flowchart showing a flow of a transfer process of this embodiment.

FIG. 4 is a diagram showing a display example of a transfer information confirmation screen and a fee bearer selection screen in the transfer processing process of the present embodiment.

FIG. 5 is a diagram showing a display example of a confirmation screen in the case where a fee transfer person is borne in the transfer processing process of the present embodiment.

FIG. 6 is a diagram showing a display example of a confirmation screen in the case where the fee is borne by the fee receiver in the transfer processing process of the present embodiment.

[Explanation of symbols]

10 ATM 12 Operation panel 16 card reader 20 Host computer 32 interfaces 38 I / O controller 42 Card reader controller

Claims (8)

[Claims] [Claim 1] Input the selection information as to whether the transfer fee will be borne by the transferee or the payee, select the fee according to the transfer transaction based on the transfer transaction information such as the transfer amount, and the recipient An automatic teller machine, characterized in that when a burden is selected, the fee is deducted from the transfer amount to perform a transfer transaction. 2. A selection means for selecting whether the transfer fee is to be paid by the transferee or the payee, an input means for receiving the transfer transaction information such as the transfer amount, and a transfer fee table are stored. It has a storage means and a determination means for determining a fee according to the transfer transaction from the transfer fee table based on the transfer transaction information, and when the payee's burden is selected by the selection means, the determination is made. An automatic teller machine, which is configured to perform a transfer transaction by subtracting a fee determined by means from the transfer amount. 3. The automatic teller machine according to claim 2, further comprising display means for displaying the fee and / or the transfer amount after deducting the fee. [Claim 4] Enter the selection information whether the transfer fee will be borne by the transferee or the recipient, select the fee according to the transfer transaction based on the transfer transaction information such as the transfer amount, and the recipient A method of controlling an automatic teller machine, comprising the step of performing a transfer process by subtracting the fee from the transfer amount when a burden is selected. 5. A selection information input step for receiving selection information on whether a transfer fee is to be paid by a transfer person or a recipient, a transaction information input step for receiving transfer transaction information such as a transfer amount, and the transfer transaction. A fee determining step of determining a fee according to the transfer transaction based on the information, and when the payee's burden is selected in the selection information input step, the fee determined in the determining step is deducted from the transfer amount. The method for controlling an automatic teller machine, comprising: 6. The method of controlling an automatic teller machine according to claim 5, further comprising a display step of displaying the fee and / or the transfer amount after deducting the fee. Control method. 7. A program for causing a computer to execute the method for controlling an automatic teller machine according to any one of claims 4 to 6. 8. A computer-readable recording medium in which the program according to claim 7 is recorded.