JP2006235670A - Transfer processing in banking institution - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide technology for inhibiting transfer against receiver's intent. <P>SOLUTION: When a request for paying money into an account of a bank A 100 from ATM 230 is made, a host computer 110 gives information to the effect that payment is requested to a main address of receiver's home terminal 710 or portable terminal 740, a telephone set 720 or a FAX set 730 before payment to the receiver's account is made. The receiver confirms the contents of payment at the ATM 130 to report whether the payment is permitted. When the receiver rejects, the payment is not performed. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to a technique that enables a transfer process in a financial institution.

  FIG. 19 is a flowchart showing a conventional transfer process in a financial institution. From left to right, the flowcharts of Bank B ATM, Bank B host computer, Zengin Center, and Bank A host computer, respectively. First, when a user enters, for example, the transfer amount, the payee's account number, the account number of the account used for the transfer, etc., in the ATM of B Bank, the ATM transfers the transfer details to the B bank host. It transmits to a computer (step S1).

  When the bank B's host computer receives the transfer details, it executes account processing (step S2). The account process is a process of changing the account balance of the payee or the account of the transfer person based on the transfer amount during the transfer process. Here, the transfer amount is subtracted from the account balance of the account of the transfer person. Then, the transfer contents are transmitted to the Zengin Center (step S3). Upon receiving the transfer details, the Zengin Center transmits the transfer details to the host computer of the financial institution where the payee's account exists (here, the host computer of the A bank) (step S4).

  When the bank A's host computer receives the transfer details, it executes the account process (step S5). In the account process here, the transfer amount is added to the account balance of the recipient's account. In the transfer process, a process for confirming whether or not the recipient's account actually exists is also performed in the bank A host computer, but the description is omitted here for the sake of simplicity.

JP 2003-58714 A

  However, in the conventional transfer process, since the transfer person performs the transfer process unilaterally, various problems occur. For example, a problem of so-called “pushing out” has occurred. Push lending means that a malicious financial company or the like transfers money to an appropriate account, forcibly generates interest, and forces repayment. Since there is no legal contract, the payee is not obligated to repay, but there are many troubles between the payee and the financial operator.

  The present invention has been made to solve the above-described problems, and an object of the present invention is to provide a technique that can prevent unintended transfer by a recipient.

  In order to solve at least a part of the above-described problems, a transfer system according to the present invention is a transfer system that enables a transfer process in a financial institution, and stores a payee account balance of a payee's account balance. A storage unit, a transfer content acquisition unit for acquiring the transfer content, and before the account balance of the payee is changed by the transfer process, at least the name and transfer of the transfer person among the transfer details to the payee And a transfer content communication unit for reporting the amount of money.

  According to the present invention, the payee can know the name of the payer and the transfer amount before the payee's account balance is changed. Therefore, the recipient can make some kind of response, and can prevent the recipient's unintentional transfer.

  In addition, a recipient information storage unit for storing recipient information including the recipient's contact information, and in response to the acquisition of the transfer details, without changing the recipient's account balance, A contact for sending a message prompting the contact person to confirm the name of the transfer person and the transfer amount, and the transfer content communication section receives the message according to the request of the recipient who received the message. It is good also as what performs.

  According to this, the recipient can know that it is necessary to confirm the name of the transfer person and the transfer amount by receiving a message from the sender, and at any timing, the name and transfer amount of the transfer person Can be contacted.

  The transfer content communication unit can confirm at least the name of the transfer and the transfer amount of the transfer content to the payee before the account balance of the payee is changed by the transfer process. A transfer content confirmation screen may be displayed on a display unit used by the recipient.

  There are various means to communicate the name of the transfer person and the transfer amount, such as by voice. According to this, the recipient confirms the name and transfer amount of the transfer person on the transfer details confirmation screen. Can do.

  Further, a processing instruction acquisition unit that acquires a processing instruction indicating whether or not to execute transfer of the transfer content from the recipient, and when the processing instruction indicates that the transfer content is transferred, A payee account balance changing unit that changes the payee's account balance based on the details of the transfer may be provided.

  According to this, since the processing instruction acquisition unit that receives the processing instruction from the recipient is provided as the response of the recipient, the recipient can easily give the processing instruction, and the transfer system performs the processing based on the processing instruction. can do.

  Furthermore, a transfer account balance storage unit that stores the account balance of the transfer person who transfers money, and a transfer account balance change unit that executes the change of the account balance according to the processing instruction may be provided. .

  The transfer person can also transfer by cash, but in this case, if the transfer is rejected by the recipient, it is necessary to return the money to the transfer person by hand or the like, which is troublesome. According to this, the transfer account balance is memorized and the transfer account balance is changed according to the processing instruction, so if the transfer is permitted by the payee, the withdrawal or transfer of money from the transfer person is received. It is possible to easily return money to the transfer person when it is rejected by a person.

  Furthermore, the transfer person information storage unit that stores the transfer person information including the contact information of the transfer person who transfers money, the processing information notification unit that notifies the transfer person contact information of the processing information based on the processing instruction, It is good also as a thing provided.

  According to this, since the processing information based on the processing instruction is notified to the transfer person, the transfer person can know whether or not the transfer performed by himself / herself is executed.

  The processing instruction further includes a holding instruction indicating that the transfer of the transfer content is to be put on hold, and the processing instruction acquisition unit specifies the recipient if the acquired processing instruction is a holding instruction. The processing instruction may be acquired again at an arbitrary timing.

  According to this, by providing the hold instruction, it is possible to give a room when the recipient is at a loss.

  Furthermore, when the recipient has a transfer permission content storage unit for storing transfer permission contents that are at least a part of the transfer contents permitting the transfer, and when the transfer permission contents match at least a part of the transfer contents The payee account balance changing unit may change the payee's account balance without executing the contact by the transfer content communication unit.

  According to this, if at least part of the transfer details matches the transfer permission details, the recipient's account balance will be changed without contacting the payee. Can be omitted.

  The transfer content acquisition unit further includes a registration instruction acquisition unit that acquires a registration instruction for registering at least a part of the transfer content acquired in the transfer permission content storage unit, and the transfer permission content storage unit includes the registration instruction. May be stored as at least a part of the transfer permission content.

  According to this, at least a part of the transfer content acquired by the transfer content acquisition unit can be registered as the transfer permission content.

  In order to solve at least a part of the above problems, an automatic transaction apparatus according to the present invention is an automatic transaction apparatus that enables a transfer process in a financial institution, and a recipient of money to be transferred receives a transfer process. Before the person's account balance is changed, a transfer content confirmation screen display unit for displaying a transfer content confirmation screen that can confirm at least the name of the transfer person and the transfer amount among the transfer contents of the transfer process is provided. It is characterized by that.

  According to the present invention, the recipient can confirm the name and the amount of the transfer before the recipient's account balance is changed, so that the recipient can make some response. It is also possible to prevent unintended transfer of the recipient.

  Furthermore, it is good also as what has a process instruction | indication acquisition part which acquires the process instruction | indication which shows whether the said transfer content is transferred from the said recipient.

  According to this, since the processing instruction is received from the recipient, the transfer processing can be performed while reflecting the intention of the recipient.

  The transfer content confirmation screen display unit may display the transfer content confirmation screen in response to acquiring an account number of an account from the recipient.

  In response to acquiring the account number, the transfer content confirmation screen is displayed, so that the recipient can confirm the transfer content confirmation screen by inputting the account number with the automatic transaction apparatus.

  The present invention can be realized in various forms. For example, a transfer system is used to realize a host computer and an automatic transaction apparatus, a host computer and a window terminal, a host computer of a plurality of financial institutions, a transfer method, or a function thereof. The present invention can be realized in the form of a computer program, a recording medium on which the program is recorded, and the like. The automatic transaction apparatus can also be realized in the form of an automatic transaction method or a computer program for realizing the function thereof, a recording medium recording the program, and the like.

  FIG. 1 is an explanatory diagram illustrating a transfer system 1000 as an embodiment. The transfer system 1000 is a system that enables a transfer process between financial institutions, and includes a Zengin Center 500, A bank 100, and B bank 200.

  The Zengin Center 500 includes a computer 510. The bank A 100 includes a host computer 110, a window terminal 120, and an ATM 130. The window terminal 120 and the ATM 130 are connected to the host computer 110. Bank B includes a host computer 210, a window terminal 220, and an ATM 230, and the window terminal 220 and the ATM 230 are connected to the host computer 210. The computer 510 of the Zengin Center 500, the host computer 110 of the Bank A 100, and the host computer 210 of the Bank B are connected by a dedicated line 300. The Bank A and the Bank B 200 are connected via the Zengin Center 500. Each can be transferred to another bank.

  The host computer 110 and the host computer 210 are also connected to the Internet 600 and can communicate with a home terminal 710, a telephone 720, a FAX machine 730, and a portable terminal 740 in a general home 700.

  In the transfer system 1000, when a transfer request is made by the transferor who transfers money, the transferee's name and transfer amount are notified to the receiver before transferring the money to the recipient's account. Then, confirm whether you can transfer money.

  FIG. 2 is a functional block diagram of the host computer 110. The host computer 110 includes an exchange transaction DB 111, a ledger DB 112, a control unit 113, and a communication unit 114. The control unit 113 includes a payee account existence confirmation unit 113a, a transfer permission information confirmation unit 113b, a notification data generation unit 113c, an exchange transaction DB update unit 113d, and a ledger DB update unit 113e.

  FIG. 3 is an explanatory diagram showing the exchange transaction database (DB) 111. The exchange transaction DB 111 stores information related to exchange transactions, and in this embodiment, transfer details and processing instructions are stored. The processing instruction is information designated by a recipient who is asked to confirm whether or not money can be transferred. There are three types of processing instructions: approval, hold, and rejection. The approval means that the transfer is permitted, the hold means that the transfer is put on hold, and the rejection means that the transfer is rejected.

  The transfer details include payee information regarding the payee and transferee information regarding the transferee. The details of the transfer are specified and stored by the transfer person during the transfer process.

  The payee information includes a bank name, an account number, a transfer request date, a transfer amount, and a payee name. The bank name is the name of the bank where the transfer target account to which money is transferred when the transfer is approved by the payee. The account number is a number unique to the account to be transferred. The transfer request date is the date when a transfer request is issued by the transfer person. The transfer amount is the amount transferred when the transfer is approved. The recipient name is the name of the recipient. In addition to this, the recipient information may include information such as a branch name and a subject.

  The transfer person information includes a bank name, an account number, a transfer person name, an address, and a telephone number. The bank name is the name of the bank where there is a transfer account from which money is withdrawn if the transfer is approved by the payee. The account number is a number unique to the account for transfer. The name of the transfer person is the name of the transfer person. The address is the address of the transfer person. The telephone number is the telephone number of the transfer person. In addition to this, the transfer person information may include information such as a branch name, a transfer category, and a subject.

  FIG. 4 is an explanatory diagram showing the ledger DB 112. The ledger DB 112 stores information related to the person who has opened an account in the A bank 100. The ledger DB 112 stores a customer number, an account number, an account balance, an address, a name, contact information, and transfer permission information. The customer number is a number unique to the account opener. The account number is a number unique to the account. The account balance indicates the balance of the account. The address is the account opener's address. The name is the name of the account opener. The contact information is information indicating the contact information of the account opener, and includes a telephone number, a FAX number, and a mail address (from the home terminal 710 or the portable terminal 740). The contact information only needs to store at least one of a telephone number, a FAX number, and a mail address. The transfer permission information is information indicating the name of the transfer person who does not need to confirm whether or not money can be transferred to the account opener of the account before transferring money to the account with the account number. In other words, if the transfer person registered in the transfer permission information (Mr. A in Fig. 4) makes a request to transfer money to the account with this account number, confirm whether it is OK to transfer money to the account opener Transfer money to the account with that account number. The transfer permission information corresponds to the transfer permission content of the present invention. The ledger DB 112 corresponds to a payee account balance storage unit, a payee information storage unit, and a transfer permission content storage unit of the present invention. In addition, the ledger DB 112 may include information such as branch names and subjects.

  Similarly to the host computer 110, the host computer 210 of the B bank 200 stores information on a person who has opened an account with the B bank 200 in the ledger DB 112. The ledger DB 112 stored by the host computer 210 corresponds to the transfer account balance storage unit and the transfer information storage unit of the present invention.

  Returning to FIG. When receiving the transfer request, the payee account existence confirmation unit 113a checks whether the payee account actually exists in the A bank 100 or not. The transfer permission information confirmation unit 113b confirms whether or not the transfer person is registered as the transfer permission information. The notification data generation unit 113c generates transfer notification data for notifying the recipient that there is a transfer request, and transfer content display data for the recipient receiving the notification to check the transfer details To do.

  FIG. 5 is an explanatory diagram showing the transfer notification data TN as a message. The message of the transfer notification data TN corresponds to a message prompting to confirm the name of the transfer person and the transfer amount of the present invention. The notification data generation unit 113c uses the format shown in FIG. 5 and changes the payee name and the payee's account number in FIG. 5 based on the transfer details for which a transfer request is issued, and sets a password randomly. Then, the transfer notification data TN is generated.

  The notification data generation unit 113c also generates transfer content display data for the recipient who has received the notification by the transfer notification data TN to confirm the transfer content. The generated transfer content display data is stored in the host computer 110 in association with the password so as to be disclosed by inputting the password set when the transfer notification data TN is created. Details will be described later. The transfer content display data includes transfer content list data TCL and transfer content confirmation data TCC.

  FIG. 6 is an explanatory diagram showing a transfer content list screen 150 displayed by the transfer content list data TCL. The transfer contents list screen 150 includes a first message 151, a second message 152, a transfer person list 153, arrow buttons 154 and 155, a detailed display button 156, a registration button 157, and a non-registration button 158. Prepare. The first message 151 is a message for prompting the recipient to confirm the transfer. The second message 152 is a message notifying the recipient that the transfer person can be registered as transfer permission information. The transfer person list 153 is a list showing a transfer person name, an address, and a telephone number among the transfer contents whose processing instructions have not yet been confirmed by the recipient. Hereinafter, the transfer content for which the processing instruction has not yet been determined by the recipient is referred to as processing instruction undetermined transfer content. The arrow buttons 154 and 155 are buttons for selecting one transfer person from the transfer person list. In FIG. 6, the transfer person list 153 indicates that the transfer person No. 02 “Ito Jiro Aichiken-Nagoya 052-1111-2222” is selected by the square frame 153a. The detail display button 156 is a button for displaying the transfer contents of the transfer person selected by the arrow buttons 154 and 155. The registration button 157 is a button for registering the transfer person in the transfer permission information. The non-registration button 158 is a button for preventing the transfer person from being registered in the transfer permission information.

  On the other hand, FIG. 7 is an explanatory diagram showing a transfer content confirmation screen 160 displayed by the transfer content confirmation data TCC. The transfer content confirmation screen 160 is displayed when the detail display button 156 is pressed on the transfer content list screen 150. The transfer content confirmation screen 160 includes a message 161, a transfer content 162, an approval button 163, a hold button 164, and a reject button 165. The message 161 is a message prompting the recipient to input a processing instruction. The transfer content 162 indicates the transfer content related to the transfer person selected on the transfer content list screen 150. The approval button 163 is a button for approving the processing instruction. The hold button 164 is a button for putting the processing instruction on hold. The reject button 165 is a button for rejecting the processing instruction. The transfer content confirmation data TCC is generated for the number of processing instruction undetermined transfer contents.

  Returning to FIG. The exchange transaction DB update unit 113d updates the stored contents of the exchange transaction DB 111 (FIG. 3). The ledger DB update unit 113e updates the stored contents of the ledger DB 112 (FIG. 4). The ledger DB update unit 113e particularly performs account processing for changing the account balance of the recipient's account based on the transfer amount. The ledger DB update unit 113e corresponds to a payee account balance change unit of the present invention.

  The communication unit 114 communicates with the computer 510, the window terminal 120, the ATM 130, the home terminal 710, the telephone 720, the FAX machine 730, and the portable terminal 740. In particular, the communication unit 114 can transmit the transfer notification data TN and the transfer content display data. The communication unit 114 corresponds to the transmission unit of the present invention. The notification data generation unit 113c and the communication unit 114 correspond to a transfer content communication unit of the present invention. The communication unit 114 also receives transfer contents transmitted from the window terminal 120 or the ATM 130. The communication part 140 is corresponded to the transfer content acquisition part of this invention. Further, the communication unit 114 receives a processing instruction transmitted from the ATM 130, the home terminal 710, and the like, and a transfer permission information of the transfer person input from the registration button 157 and transmitted from the ATM 130, the home terminal 710, etc. (FIG. 4). Receive registration instructions for. The communication unit 114 corresponds to a processing instruction acquisition unit and a registration instruction acquisition unit of the present invention.

  The host computer 210 has the same configuration as the host computer 110. In particular, the ledger DB update unit 113e of the host computer 210 performs account processing for changing the account balance of the account of the transfer person based on the transfer amount. The ledger DB update unit 113e corresponds to the transfer account balance change unit of the present invention. In particular, the communication unit 114 of the host computer 210 notifies the transfer person's contact information of processing information based on the processing instruction. The communication unit 114 corresponds to a processing information notification unit of the present invention.

  FIG. 8 is a functional block diagram of the ATM 130. The ATM 130 includes a control unit 131, a display unit 132, a communication unit 133, and a card handling device 134. The control unit 131 includes a transfer content acquisition unit 131a, a processing instruction acquisition unit 131b, and a registration instruction acquisition unit 131c. The display unit 132 is a touch panel and can display a transfer content list screen 150 in FIG. 6 and a transfer content confirmation screen 160 in FIG. As will be described later, the recipient can check these screens 150 and 160 on the home terminal 710 at home or the portable terminal 740, and these screens 150 and 160 using the ATM 130. It is also possible to confirm. The display unit 132 corresponds to the transfer content confirmation screen display unit of the present invention. The transfer content acquisition unit 131a acquires the transfer content from the transfer person. The processing instruction acquisition unit 131b acquires a processing instruction input by the approval button 163, the hold button 164, or the rejection button 165 of the transfer content confirmation screen 160. The registration instruction acquisition unit 131c acquires a registration instruction input to the transfer person's transfer permission information (FIG. 4) input by the registration button 157. The communication unit 133 receives the transfer content display data from the host computer 110 and transmits the acquired transfer content, processing instruction, and registration instruction to the host computer 110. The card handling device 134 reads the account number of the cash card inserted from the user of the ATM 130. Note that the ATM 230 has the same configuration as the ATM 130.

  FIG. 9 is a flowchart showing the transfer process. There are two types of transfers: bank transfer and transfer from ATM 230, and cash transfer and transfer from a transfer account. Here, the transfer process will be described in the case where a request is made to transfer money from an account for bank B 200 to an arbitrary account for bank A 100 in ATM 230 of bank B 200. 9 is a flowchart of the host computer 210 of the bank B 200, and the right side of FIG. 9 is a flowchart of the host computer 110 of the bank A 100.

  The transfer person inserts the bank B's cash card into the ATM 230 of the bank B 200. The card handling device 134 of the ATM 230 reads the account number of the cash card. The ATM 230 searches the ledger DB 112 of the host computer 210 with the account number, and acquires the address and name of the transfer person. Then, the ATM 230 prompts the transfer person to input unknown transfer details excluding the address and name, acquires the transfer details, and transmits the transfer details to the host computer 210.

  The host computer 210 that has received the transfer contents from the ATM 230 (step S10) registers the transfer contents in the exchange transaction DB 111 (FIG. 3) (step S20), and the bank with the bank name of the recipient information (here, A bank 100). The transfer contents are sent to the computer 510 of the Zengin Center 500 to the host computer 110 (step S30). The computer 510 transmits the received transfer contents to the host computer 110. As described above, the host computer 110 and the host computer 210 communicate with each other via the computer 510 of the Zengin Center 500. However, in this embodiment, since the computer 510 only relays communication, the description regarding the computer 510 is omitted below for the sake of simplicity. The flowchart is also omitted.

  When the host computer 110 receives the transfer contents, the exchange transaction DB update unit 113d registers the received transfer contents in the exchange transaction DB 111 (step S40). Then, the payee account existence confirmation unit 113a searches the ledger DB 112 (FIG. 4) with the account number of the payee information (step S50). The payee account existence confirmation unit 113a checks whether or not the searched record exists and the name of the record matches the payee name of the transfer contents. If the searched record exists and the name of the record matches the recipient name of the transfer contents, it is determined that the transaction is possible (step S60). In other cases, it is determined that the transaction is impossible (step S60). If it is determined that the transaction is impossible (step S70: NO), the host computer 210 is notified of an error (step S80) because there is no recipient account corresponding to the transfer details. The host computer 210 that has received the error notification transmits an error notification to the ATM 230. The ATM 230 displays an error notification on the display unit 132 and notifies the transfer person that the transfer has failed.

  When it is determined that the transaction is possible (step S70: YES), the transfer person name of the received transfer content is the transfer permission information (FIG. 4) of the record searched in step S50 (hereinafter referred to as a payee account record). Check if it is registered. If registered (step S90: YES), the transfer may be performed without receiving the recipient's processing instruction, so the ledger DB update unit 113e adds the transfer amount of the transfer contents to the account balance of the recipient account record. Account processing for adding (step S100). Then, the exchange transaction DB update unit 113d approves the processing instruction for the record of the transfer contents registered in step S40 (step S110). Further, the approval processing instruction and the transfer contents are transmitted to the host computer 210 (step S120). The processing of the host computer 210 that has received the approval processing instruction and the transfer details will be described later. On the other hand, when the transfer person name is not registered in the transfer permission information of the payee account record (step S90: NO), a transfer notification process to the payee is performed (step S130).

  FIG. 10 is a flowchart showing a transfer notification process to the recipient. The notification data generation unit 113c generates transfer content display data based on the received transfer content and the exchange transaction DB 111 (step S131). This transfer content display data includes the transfer content list data TCL shown in FIG. 6 and the transfer content confirmation data TCC shown in FIG.

  Specifically, the notification data generation unit 113c generates the transfer content list data TCL as follows. The recipient name of the received transfer content is applied to the first message 151 of the transfer content list screen 150 (FIG. 6) to generate the first message 151. Next, the notification data generation unit 113c generates the transfer person list 153 of the transfer content list screen 150 as follows. First, the notification data generation unit 113c extracts, in the exchange transaction DB 111, the account number of the recipient information that matches the account number of the recipient information of the received transfer contents. That is, only the transfer contents for the payee who displays the transfer contents are extracted from the exchange transaction DB 111 (FIG. 3). Then, from the extracted record, a record whose processing instruction is suspended or blank is re-extracted. Thereby, the processing instruction undetermined transfer content is extracted. Then, the notification data generation unit 113c generates a transfer person list 153 by listing the transfer person name, address, and telephone number of the processing instruction undetermined transfer contents. In the transfer contents list screen 150 of FIG. 6, since the portions other than the first message 151 and the transfer person list 153 are unchanged, the transfer contents list data TCL is generated as described above. In addition, by adding the record in which the processing instruction is on hold to the processing instruction undetermined transfer content, the recipient can input the processing instruction again for the transfer content on which the processing instruction is put on hold.

  Further, the notification data generation unit 113c generates the transfer content confirmation data TCC (FIG. 7) as follows. The notification data generation unit 113c applies the transfer request date, the transfer amount, the transfer person name, the address, and the telephone number of the transfer instruction undecided transfer content to the transfer content 162, and generates the transfer content 162. In the transfer content confirmation screen 160 of FIG. 7, since the portions other than the transfer content 162 are unchanged, the transfer content confirmation data TCC is generated as described above. The transfer content confirmation data TCC is generated for each processing instruction undetermined transfer content.

  Next, the control unit 113 acquires the contact information of the payee account record (FIG. 4), and when the mail address is included in the contact information (step S132: YES), the notification data generation unit 113c. Generates the transfer notification data TN for the terminal to be transmitted to the home terminal 710 or the portable terminal 740 (step S133). Then, the communication unit 114 transmits the terminal transfer notification data TN to the mail address (step S134). When the e-mail address is not included (step S132: NO) and the FAX number is included (step S135: YES), the notification data generation unit 113c is for the FAX machine for transmitting to the FAX machine 730. The transfer notification data TN is generated (step S136). Then, the communication unit 114 automatically transmits the FAX machine transfer notification data TN to the FAX number (step S137). If the FAX number is not included (step S135: NO), and only the telephone number is included, the notification data generation unit 113c transmits the telephone telephone transfer notification data by voice to be transmitted to the telephone 720. A TN is generated (step S138). Then, the communication unit 114 automatically transmits the telephone transfer notification data TN to the telephone number (step S139).

  If the transmission is not successful (step S140: NO), the transmission is repeatedly performed at predetermined intervals until the transmission is successful. When the transmission is successful (step S140: YES), the host computer 110 transfers the password of the transfer notification data TN, the transfer content display data generated in step S131, and the processing instruction undetermined transfer displayed in the transfer content display data. The contents are associated and registered in the transfer contents display table TCDT (step S141).

  FIG. 11 is an explanatory diagram showing a transfer content display table TCDT. In the transfer content display table TCDT, a password, transfer content list data TCL (FIG. 6), processing instruction undecided transfer content identification number, processing instruction undecided transfer content, and transfer content confirmation data TCC (FIG. 7) are registered. Is done. The processing instruction undetermined transfer content identification number is a number unique to the processing instruction undetermined transfer content, and the number matches the number displayed in the transfer person list 153 of the transfer content list screen 150 (FIG. 6). The transfer content confirmation data TCC and the processing instruction undetermined transfer content (FIG. 3) used to create the transfer content confirmation data TCC are registered in association with each other.

  The recipient who has received the transfer notification checks the transfer contents at the home terminal 710, the portable terminal 740, or the ATM 130. Here, a case will be described in which the content of the transfer is confirmed by the ATM 130. FIG. 12 is a flowchart showing a transfer content confirmation process. The left side is a flowchart of the host computer 110 of the A bank 100, and the right side is a flowchart of the ATM 130 of the A bank 100.

  In the ATM 130, a transaction content selection screen 170 shown in FIG. 13 is displayed. On this transaction content selection screen 170, the recipient presses the transfer confirmation button 171. Then, the touch panel 181 is pressed on the password input screen 180 shown in FIG. 14 to input the password XXX. Thereby, the ATM 130 transmits a transfer content transmission request to the host computer 110 together with the input password (step S150).

  Upon receiving the transfer content transmission request, the host computer 110 receives the transfer content display data (TCL + TCC) associated with the received password, the processing instruction undetermined transfer content, and the processing in the transfer content display table TCDT of FIG. The instruction undetermined transfer content identification number is transmitted to the ATM 130 in the table format of FIG. 11 (step S160).

  The display unit 132 of the ATM 130 displays the transfer content list screen 150 of FIG. 6 based on the received transfer content list data TCL (step S170). At this time, the second message 152 is hidden and the registration button 157 and the non-registration button 158 are displayed so as not to function.

  The recipient reads the first message 151 and selects the transfer person with the arrow buttons 154 and 155. The recipient selects the transfer person and presses the detail display button 156.

  The display unit 132 of the ATM 130 discriminates the selected processing instruction undetermined transfer content identification number (hereinafter referred to as a selection processing instruction undetermined transfer content identification number) based on the number of times the arrow buttons 154 and 155 are pressed. Then, the transfer content confirmation screen 160 (FIG. 7) is displayed with the transfer content confirmation data TCC associated with the selection processing instruction undetermined transfer content identification number in the transfer content display table TCDT of FIG. 11 (step S180).

  The recipient confirms the transfer contents by the transfer contents 162 on the transfer contents confirmation screen 160, reads the message 161, and presses the approval button 163, the hold button 164, or the reject button 165, and inputs a processing instruction. To do.

  The processing instruction acquisition unit 131b of the ATM 130 acquires the input processing instruction (step S190). The communication unit 133 then sends the acquired processing instruction to the host computer 110 and the processing instruction undetermined transfer content (hereinafter referred to as processing) associated with the selection processing instruction undetermined transfer content identification number in the transfer content display table TCDT of FIG. (Referred to as instruction determination transfer content) (step S200).

  The host computer 110 performs transaction processing according to the received processing instruction and processing instruction determination transfer content (step S210). FIG. 15 is a flowchart showing transaction processing. The left side is a flowchart showing transaction processing of the host computer 110, and the right side is a flowchart showing transaction processing of the host computer 210. When the processing instruction is approval (step S211: YES), the ledger DB update unit 113e searches the ledger DB 112 (FIG. 4) with the account number of the payee information in the processing instruction determination transfer contents, and the searched payee Account processing is performed to add the transfer amount of the processing instruction determination transfer content to the account balance of the account record (step S212).

  Then, the exchange transaction DB update unit 113d searches for the transfer contents of the exchange transaction DB 111 (FIG. 3) using the process instruction determination transfer contents, and changes the process instruction of the retrieved record to the received process instruction (step S213). Further, the communication unit 114 transmits the received processing instruction and processing instruction determination transfer contents to the host computer 210 of the B bank 200 (step S214).

  The host computer 210 performs transfer processing according to the received processing instruction and processing instruction determination transfer content. Note that the same processing as described below is performed for the processing instruction and transfer contents transmitted to the host computer 210 in step S120. Hereinafter, the processing instruction determination transfer content is simply referred to as transfer content.

  If the processing instruction is approval (step S220), the ledger DB update unit 113e searches the ledger DB 112 with the account number of the transfer person information in the transfer contents, and the searched record (hereinafter referred to as the transfer person account record). Account processing is performed to subtract the transfer amount of the transfer details from the account balance (step S230). If the processing instruction is rejected (step S220), one of the contact information of the transfer account record is "Transfer of transfer details (XX) has been rejected by the recipient. The transfer is not executed. Is sent (step S240). The received transfer details are applied to ○○. Since the message transmission is performed in the same manner as the transfer notification process to the recipient in FIG. Then, the exchange transaction DB update unit 113d searches the transfer contents of the exchange transaction DB 111 by the transfer contents, and changes the processing instruction of the searched record to the received processing instruction (step S250).

  Returning to FIG. On the other hand, when the host computer 110 finishes the transaction process, the host computer 110 transmits the result information to the ATM 130 (step S250). If the processing instruction is approval, the result information is “Transfer executed.” If the processing instruction is rejected, “Transfer was rejected.” If the processing instruction is pending, Was put on hold. "

  The display unit 132 of the ATM 130 that has received the result information displays the result information (step S260). Then, the transfer contents list screen 150 of FIG. 6 is displayed again (step S270). At this time, the arrow buttons 154 and 155 and the detail display button 156 are disabled, the first message 151 is hidden, and the transfer person associated with the selection processing instruction undecided transfer content identification number is displayed. Display in the selected state. That is, it is displayed in a state where the transfer person who has acquired the processing instruction in step S190 is selected. The payee can register the transfer person by using the second message 152 “Register button on the transfer contents list screen 150. Once the transfer person is registered, the transfer from the registered transfer person will be performed from the next time. "If you do not want to register, please press the non-registration button." And press the registration button 157 or the non-registration button 158.

  When the registration button 157 is pressed (step S280: YES), the registration instruction acquisition unit 131c includes the transfer contents associated with the selection processing instruction undetermined transfer contents identification number in the transfer contents display table TCDT of FIG. The transfer person name, the account number of the recipient information, and the registration instruction are passed to the communication unit 133. The communication unit 133 transmits the transfer person name, the account number of the recipient information, and the registration instruction to the host computer 110 (step S290).

  Receiving the registration instruction, the host computer 110 searches the ledger DB 112 with the account number of the received recipient information, and adds the received transfer person name to the transfer permission information of the searched record (step S300).

  On the other hand, when the non-registration button is pressed (step S280: NO), the process ends. In the present embodiment, the process is terminated here, but there may be a plurality of transfer instructions with undecided transfer instructions. Therefore, the processes in steps S170 to S300 may be repeated again. In this case, however, the transfer person associated with the selection processing instruction undetermined transfer content identification number already selected in step S170 is hidden and not selected.

  As described above, in this embodiment, the payee can know that there is a transfer request before the account balance is changed by the account processing, and can confirm the name and transfer amount of the transfer person. This allows the recipient to make some response to the transfer request. Further, it is possible to prevent unintended transfer by the recipient. In this embodiment, the recipient can confirm the transfer contents at an arbitrary timing on the transfer content confirmation screen 160 of FIG. In this embodiment, the ATM also has a processing instruction acquisition unit 131b (FIG. 8) for receiving a processing instruction from the recipient as a response of the recipient who confirmed the transfer contents. Can be given. Moreover, the transfer system 1000 can perform processing based on the processing instruction.

  In the conventional transfer process, since the transfer process is performed only by the transfer person's confirmation, there is a high possibility that the payee account and the transfer amount will be transferred by mistake. If the payee account is incorrect, trouble may occur between the payee who should have received money, the payee, and the payee who actually received the money. There is a possibility of trouble if the transfer amount is wrong. In addition, if the payee account or the transfer amount is wrong, there are cases where additional transfer is made again, or money is returned to the transferee's account again as a restructuring process.

  According to the present embodiment, since the payee can also confirm the transfer contents before the account processing is actually performed, there is a high possibility that an erroneous transfer can be prevented.

  Further, in this embodiment, since the account balance of the account of the transferor is stored in the ledger DB 112 of the host computer 210 of the bank B 200 and the transferer account balance is changed according to the processing instruction, the transfer is permitted by the recipient. It is possible to easily withdraw money from the transfer person. Further, since the ledger DB 112 of the host computer 210 stores the contact information of the transfer person, the transfer person can be notified that the transfer has been rejected. You can know that it was rejected.

  Further, the processing instruction (FIG. 7) of the present embodiment also includes an item “hold”, and if the recipient is unsure of the determination, the hold can be selected for the time being, and the processing instruction can be input again later.

  In this embodiment, transfer permission information is stored in the ledger DB 112. If the transfer person name matches the transfer permission information, a transfer notification process is performed or a transfer content confirmation screen 160 (FIG. 7) is displayed to the transfer person. Therefore, the recipient's account balance is changed, so that it is possible to save time and labor when the recipient permits the transfer. Further, in this embodiment, the transfer permission information can be registered on the transfer content list screen 150 (FIG. 6).

Other examples:
(1) In the above embodiment, the host computer 210 of the B bank 200 also performs the account process of subtracting the transfer amount from the account balance of the transfer account record after receiving the processing instruction of the payee. 9 may be replaced with the flowchart of FIG. 16 on the left side of FIG. That is, after receiving the transfer contents from the ATM 230 (step S310), transmitting the transfer contents to the host computer 110 (step S320), and registering the transfer contents in the exchange transaction DB (step S330), the account of the transfer account record Account processing for subtracting the transfer amount from the balance may be performed (step S340).

  Further, the transaction processing of the host computer 210 in this case is executed by the flowchart shown in FIG. 17 instead of the flowchart on the right side of FIG. That is, when the processing instruction is rejected (step S350: YES), the host computer 210 transmits processing information to the transfer person (step S360), and adds the transfer amount to the account balance of the transfer person account record (step S370). ), The amount subtracted in the account processing performed in step S340 is paid back.

(2) The transfer content confirmation screen 160 may display what number and number of items out of the processing instruction undetermined transfer content. For example, in the example of FIG. 7, the transfer instruction list 153 of FIG. 6 indicates that the second of the four processing instructions is undetermined transfer content, so that the second of the fourth is displayed on the screen. It is good as a thing.

(3) In the above embodiment, the name is registered as the transfer permission information (FIG. 4). However, not only the name but also the name and the transfer amount may be registered. Then, when both the name and the transfer amount or one match, the account processing may be executed without asking the recipient for confirmation. Alternatively, only the amount may be registered as the transfer permission information. In that case, when the amounts match, the account processing may be executed without asking the recipient for confirmation. The transfer permission information can be set in various ways.

(4) In the above embodiment, the ATM 130 has a function of registering the transfer permission information. However, the ATM 130 may have a function of deleting the transfer permission information. Specifically, the display unit 132 of the ATM 130 displays the transfer permission information registered in the ledger DB 112, and the user selects the transfer permission information to be deleted and inputs a deletion instruction. The ATM 130 acquires the delete instruction and transmits it to the host computer 110 together with the transfer permission information to be deleted. The host computer 110 deletes the received transfer permission information from the ledger DB 112. Alternatively, there is no particular need to provide a transfer permission information registration or deletion function, and transfer permission information registration or deletion may be performed by applying at a financial institution or the like.

(5) In the above-described embodiment, the transfer from the ATM 130 has been described. However, the transfer process may be executed according to the transfer content input from the window terminal 120.

(6) In the above embodiment, the ATM 130 displays the transfer content list screen 150 (FIG. 6), the transfer content confirmation screen 160 (FIG. 7), etc. by pressing the transfer confirmation button 171 of FIG. Not limited to this, the transfer content list screen 150 and the transfer content confirmation screen 160 may be displayed in response to obtaining the account number of the recipient's account. FIG. 18 is a flowchart showing processing of the ATM 130 and the host computer 110 in that case. The left side is a flowchart of the ATM 130, and the right side is a flowchart of the host computer 110. When the payee inserts the bank card of A bank 100 into the ATM 130, the card handling device 134 of the ATM 130 reads the account number of the cash card and transmits the account number to the host computer 110 (step S410). The notification data generation unit 113c of the host computer 110 extracts, in the exchange transaction DB 111, the account number of the recipient information that matches the received account number, and displays the transfer content display data (TCL (FIG. 6) + TCC (FIG. 7)) is generated (step S420). Then, the transfer content display data is transmitted to the ATM 130 (step S430). The display unit 132 of the ATM 130 displays the transfer content list screen 150 and the transfer content confirmation screen 160 based on the received transfer content display data (step S440).

  In this way, for example, even when the recipient has not received the transfer notification by the transfer notification process, when the recipient tries to do some transaction at the ATM 130, the transfer content list screen 150 or the transfer content confirmation A screen 160 can be displayed and a processing instruction can be received. Such a function is particularly useful when the contact information of the recipient is not registered in the ledger DB 112. That is, the contact information of the recipient need not be registered.

(7) In this embodiment, it is assumed that the transfer details confirmation screen 160 (FIG. 7) can be registered as transfer permission information on the transfer content list screen 150 (FIG. 6) for the transfer person who has input the processing instruction. However, the present invention is not limited to this, and other transfer persons may be registered as transfer permission information. For example, based on the exchange transaction DB 111 (FIG. 3), the transfer person list 153 is generated and displayed from the past transaction history of the payee, and can be registered as transfer permission information. Also good.

(8) In this embodiment, the transfer permission information (FIG. 4) is registered from the transfer content list screen 150 (FIG. 6). However, the screen for registering the transfer permission information is provided separately from the transfer content list screen 150. It is good as a thing. Specifically, the ATM 130 displays a registration-only screen for registering transfer permission information from the transaction content selection screen 170 (FIG. 13), and registers the transfer permission information by the user inputting the transfer permission information on the touch panel. It can also be made possible.

(9) In this embodiment, the transfer permission information is stored in the ledger DB 112, and if the transfer person matches the transfer permission information (step S90: YES), the transfer notification process in FIG. Although it is supposed to be performed (step S100), the transfer permission information is not stored, and such a function may not be provided.

(10) In this embodiment, the processing instruction includes hold, but it may not be included. That is, only two processing instructions may be permitted and denied.

(11) In this embodiment, the contact information of the transfer person is stored in the ledger DB 112 of the host computer 210 of the bank B 200, and when the transfer request is rejected, the processing information is transmitted to the transfer person. However, the transmission of processing information is not limited to being refused. Even when the processing instruction is permitted or suspended, processing information indicating that the processing instruction is permitted or suspended may be transmitted to the transfer person. Also, such processing information need not be transmitted.

(12) In this embodiment, the account balance of the account of the transferor is stored in the ledger DB 112 of the host computer 210 of the bank B 200, and the transfer is made from the account. May be. In this case, the transfer person does not have an account in the B bank 200, and the account balance may not be stored in the ledger DB 112 of the B bank 200. Moreover, it is good also as what performs transfer by submitting the transfer request document which described the transfer content to the bank window. In this case, the counter clerk inputs the transfer details to the counter terminal 220, and the transfer details are transmitted from the counter terminal 220 to the host computer 210 of the B bank 200.

(13) In the present embodiment, the processing instruction is acquired from the transfer content confirmation screen 160 (FIG. 7), and it is determined whether or not to perform the account processing based on the processing instruction, but the processing instruction is acquired from the transfer content confirmation screen 160 You don't have to. That is, the recipient who has received the notification by the transfer notification process and confirmed the transfer content confirmation screen 160 may directly notify the financial institution of the processing instruction by e-mail or FAX. The payee may contact the financial institution for processing instructions only when refusing. A financial institution performs processing based on processing instructions.

(14) The function of the ATM 130 in this embodiment may be realized by the home terminal 710 (FIG. 1), the portable terminal 740, or the host computer 110. For example, the recipient who received the notification by the transfer notification process displayed the transfer content confirmation screen 160 (FIG. 7) on the ATM 130, but the present invention is not limited to this. The transfer content confirmation screen 160 may be displayed on the home terminal 710 or the mobile terminal 740, and a processing instruction may be acquired. In this embodiment, the ATM 130 has a function of registering the transfer permission information. However, the home terminal 710 and the portable terminal 740 have a function of registering the transfer permission information. It is good also as what registers transfer permission information.

(15) In this embodiment, the transfer details confirmation screen 160 (FIG. 7) is displayed to notify the payee's name and transfer amount to the payee, but the contact method is not limited to this. For example, the telephone 720 or the portable terminal 740 may be contacted by voice, or the FAX machine 730 may be contacted.

(16) In the present embodiment, the transfer notification process to the recipient is performed in response to the acquisition of the transfer contents, but this need not be performed. In this case, for example, when the payee tries to execute some transaction at the ATM 130, the payee's name and the transfer amount may be notified to the payee. Specifically, as described above, the transfer content list screen 150 and the transfer content confirmation screen 160 may be displayed in response to acquiring the account number of the recipient's account. By the way, notification that there is a transfer request may be made by mail or when the recipient visits the store.

  As described above, the transfer system, the transfer method, the automatic transaction apparatus, and the automatic transaction method according to the present invention have been described based on the embodiments. However, the embodiment of the present invention described above is intended to facilitate the understanding of the present invention. However, the present invention is not limited thereto. The present invention can be changed and improved without departing from the spirit and scope of the claims, and it is needless to say that the present invention includes equivalents thereof.

Explanatory drawing which shows the transfer system 1000 as an Example. 2 is a functional block diagram of a host computer 110. FIG. Explanatory drawing which shows DB111 for currency exchange transactions. Explanatory drawing which shows ledger DB112. Explanatory drawing which displayed transfer notification data TN as a message. Explanatory drawing which shows the transfer content list screen 150 displayed by the transfer content list data TCL. Explanatory drawing which shows the transfer content confirmation screen 160 displayed by the transfer content confirmation data TCC. The functional block diagram of ATM130. The flowchart which shows a transfer process. The flowchart which shows the transfer notification process to a recipient. Explanatory drawing which shows table TCDT for transfer contents display. The flowchart which shows the transfer content confirmation process. Explanatory drawing which shows the transaction content selection screen 170. FIG. Explanatory drawing which shows the password input screen 180. FIG. The flowchart which shows transaction processing. The flowchart which shows the transfer process as another example. The flowchart which shows the transaction processing as another example. The flowchart which shows the process which displays the transfer content confirmation screen 160 as another example. The flowchart which shows the conventional transfer process.

Explanation of symbols

100 ... Bank A 110 ... Host computer 111 ... Exchange transaction DB
112 ... Ledger DB
113 ... Control unit 113a ... Recipient account existence confirmation unit 113b ... Transfer permission information confirmation unit 113c ... Notification data generation unit 113d ... Exchange transaction DB update unit 113e ... Ledger DB Update unit 114 ... communication unit 120 ... window terminal 130 ... ATM
131 ... Control unit 131a ... Transfer content acquisition unit 131b ... Processing instruction acquisition unit 131c ... Registration instruction acquisition unit 132 ... Display unit 133 ... Communication unit 134 ... Card handling device 150 ... Transfer contents list screen 151 ... First message 152 ... Second message 153 ... Transfer person list 153a ... Square frame 154, 155 ... Arrow buttons 156 ... Detailed display Button 157 ... Registration button 158 ... Non-registration button 160 ... Transfer details confirmation screen 161 ... Message 162 ... Transfer details 163 ... Approval button 164 ... Hold button 165 ... Reject Button 170 ... Transaction content selection screen 171 ... Transfer confirmation button 180 ... Password input screen 181 ... Touch panel 200 ... B bank 210 ... Host computer 220 ... Counter terminal 230 ... ATM
300 ... Dedicated line 500 ... Zengin Center 510 ... Computer 600 ... Internet 700 ... General home 710 ... Home terminal 720 ... Telephone 730 ... FAX 740 .. .Mobile terminal 1000 ... Transfer system TN ... Transfer notification data TCL ... Transfer contents list data TCC ... Transfer contents confirmation data TCDT ... Transfer contents display table

Claims (14)

A transfer system that enables transfer processing in a financial institution,
A payee account balance storage unit for storing the account balance of the payee's money to be transferred;
A transfer content acquisition unit for acquiring the transfer content;
Before the recipient's account balance is changed by the transfer process, among the transfer contents, at least the name of the transfer person and the transfer amount, and a transfer content communication unit,
The transfer system with. The transfer system according to claim 1, further comprising:
A recipient information storage unit for storing recipient information including contact information of the recipient;
In response to obtaining the transfer details, sending a message prompting the recipient's contact to confirm the name and amount of the transfer without changing the recipient's account balance And
With
The transfer content contact unit performs the contact in response to a request from the recipient who has received the message.
Transfer system. The transfer system according to claim 1,
The transfer content communication unit can confirm at least the name of the transfer and the transfer amount of the transfer content to the payee before the account balance of the payee is changed by the transfer process. Display the transfer confirmation screen on the display used by the recipient,
Transfer system. The transfer system according to claim 1, further comprising:
A processing instruction acquisition unit for acquiring a processing instruction indicating whether or not to execute transfer of the transfer content from the recipient;
A recipient account balance changing unit for changing the recipient's account balance based on the transfer content, when the processing instruction indicates that the transfer content is to be transferred;
The transfer system with. The transfer system according to claim 4, further comprising:
A transfer account balance storage unit for storing the account balance of the transfer person for transferring money,
In accordance with the processing instruction, a transfer account balance change unit that executes a change of the transfer account balance,
The transfer system with. The transfer system according to claim 4, further comprising:
A transfer person information storage unit for storing transfer person information including contact information of the transfer person who transfers money;
A processing information notification unit for notifying processing information based on the processing instruction to the transfer person's contact information;
The transfer system with. The transfer system according to claim 4, wherein
The processing instruction further includes a hold instruction indicating that the transfer content is to be put on hold.
When the acquired processing instruction is a hold instruction, the processing instruction acquisition unit acquires the processing instruction again at an arbitrary timing specified by the recipient.
Transfer system. The transfer system according to claim 4, further comprising:
A transfer permission content storage unit for preliminarily storing a transfer permission content that is at least a part of the transfer content that the recipient permits the transfer;
When at least a part of the transfer content matches the transfer permission content, the payee account balance changing unit changes the payee's account balance without executing the contact by the transfer content communication unit. ,
Transfer system. The transfer system according to claim 8, further comprising:
A registration instruction acquisition unit for acquiring a registration instruction for registering at least part of the transfer content acquired by the transfer content acquisition unit in the transfer permission content storage unit;
The transfer permission content storage unit stores at least a part of the transfer content as transfer permission content when the registration instruction is acquired.
Transfer system. A transfer method that enables transfer processing in a financial institution,
Storing recipient information including the account balance of the recipient of the money to be transferred;
The process of obtaining the transfer details;
Before the account balance of the payee is changed by the transfer process, informing the payee of at least the name of the transfer and the transfer amount of the transfer contents;
Transfer method with. An automatic transaction apparatus that enables a transfer process in a financial institution,
Transfer details that allow the recipient of the money to be transferred to confirm at least the name of the transfer and the transfer amount of the transfer process before the account balance of the payee is changed by the transfer process Automatic transaction equipment with a transfer details confirmation screen display that displays a confirmation screen. The automatic transaction apparatus according to claim 11, further comprising:
The automatic transaction apparatus provided with the process instruction | indication acquisition part which acquires the process instruction | indication which shows whether the said transfer content is transferred from the said recipient. An automatic transaction apparatus according to claim 11, wherein
The transfer content confirmation screen display unit displays the transfer content confirmation screen in response to obtaining an account number of an account from the recipient.
Automatic transaction device. An automatic transaction method that enables transfer processing in a financial institution,
Transfer details that allow the recipient of the money to be transferred to confirm at least the name of the transfer and the transfer amount of the transfer process before the account balance of the payee is changed by the transfer process An automated transaction method with a process for displaying a confirmation screen.

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