JP2010117805A - Automatic transaction device - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a system wherein improvement of service to a user and congestion relaxation of a window are performed by reducing transfer errors between financial institutions and recipients. <P>SOLUTION: An automatic transaction system includes a function of allowing input of recipient name candidates including a plurality of recipient names when the user desires a transfer transaction in an ATM (Automated Teller Machine). The ATM transmits an account number and the recipient candidate to a host computer. The host computer collates an account number and a name stored in a database, and the account number and the recipient name candidate received from the ATM, and concludes the transfer transaction when the name and the recipient name candidate accord. <P>COPYRIGHT: (C)2010,JPO&INPIT

Description

  The present invention relates to a handling process of a transfer transaction in an automatic transaction system.

  A user can easily apply for a transfer transaction without using the automatic teller machine (ATM: Automated Teller Machines, or simply an automatic transaction machine) of a bank or other financial institution without lining up at the counter. . At this time, the ATM transmits information necessary for the transfer transaction input from the user to the host computer. On the other hand, the host computer processes the transfer transaction based on the received information.

  One of the automatic transaction systems that handle the transfer transaction as described above is a remittance system including an information terminal device and a remittance relay device (Patent Document 1). This information terminal device accepts input of remittance request information including information on the remittance destination financial institution's account and remittance amount, creates remittance request data in a predetermined data format including account information of the remittance source financial institution, and remittance The request data is transmitted to the remittance relay device through the communication line. The remittance relay device receives the remittance request data from the information terminal device, and connects to the remittance processing information processing system of the relevant remittance financial institution based on the received remittance request data. Then, based on the remittance request data, request an inquiry of the corresponding account to confirm the remittance destination.

JP 2003-16258 A

  In a transfer transaction performed at a normal financial institution, each financial institution has an account system, and ATM uses the account system to inquire about account information of a transfer destination. However, Internet banks that conduct transactions via the Internet operate without an accounting system. Therefore, when performing a transfer transaction to an internet bank using ATM, in the automatic transaction system including patent document 1, the account information of a transfer destination cannot be inquired. In this case, when applying for a transfer transaction, the user does not know whether the transfer transaction can be executed correctly because the recipient name corresponding to the account is not displayed on the ATM guidance screen even if the account information of the transfer destination is entered. Psychologically uneasy. In addition, when the user erroneously inputs the account information of the transfer destination here, the transfer transaction is performed to a recipient other than the original recipient.

  SUMMARY OF THE INVENTION An object of the present invention is to provide a system for improving service for a user and alleviating congestion of a window by reducing a transfer error between a financial institution and a recipient.

  When a user wishes to make a transfer transaction at an ATM, a function is provided that can input recipient name candidates composed of a plurality of recipient names. The ATM sends the account number and candidate recipient to the host computer. The host computer compares the account number and name stored in the database with the account number received from the ATM and the recipient name candidate, and establishes the transfer transaction when the name and the recipient name candidate match.

  Transfer errors between financial institutions and payees can be reduced, and services for users can be improved and congestion at the counter can be reduced.

  In the following, an embodiment that allows the input of a plurality of recipient names in the automatic transaction system according to the present invention, and further, a host computer (server or server) that connects to this ATM and executes various processes based on requests for transfer transactions from the ATM. (Also referred to as a host device) will be described in detail with reference to the drawings.

  FIG. 1 is a conceptual diagram of a system constituted by an ATM host computer, and FIG. 2 is an internal block diagram thereof.

  The ATM 1 has a function of performing cash withdrawal and deposit transactions and is connected to the line connection unit 11 of the host computer 9 by the line connection unit 8. This ATM1 is a device that automatically executes various transactions requested by the user, and displays operation guidance (guidance), announcement information, etc. related to those transactions on the screen and is pressed by the user's operation or finger. The operation unit 3 receives and detects the input. The operation unit 3 is preferably an input / display unit (also referred to as an input display unit) constituted by a touch panel or the like, and displays various information on the display screen. Of course, pressing of various items included in the display screen is also detected.

  In addition, ATM1 is used to insert or eject a cash card or the like used at the time of transaction, or to read or write magnetic stripe information (MS: Magnetic Stripe) attached to the card (magnetic head, magnetic reading unit) and card It has an image reading function of the embossed part, and a card / detail slip mechanism section 4 that prints the transaction contents on the statement slip by the printing section and ejects it from the apparatus. As shown in FIG. 1, it is desirable that the card mechanism unit and the statement slip mechanism unit are provided on the same unit so that the card and the statement slip can be simultaneously delivered to the user. Furthermore, there is also a passbook mechanism unit 5 for executing processing such as insertion and discharge of passbooks used in various transactions, printing operation by the printing unit to the passbooks, and reading magnetic stripe information affixed to the passbooks with a magnetic head. is there.

  In addition, the ATM 1 includes a bill depositing / dispensing mechanism unit 6 and a coin depositing / dispensing mechanism unit 7 that perform depositing and / or dispensing functions of bills or coins (medium), medium discrimination, medium transport, and storage. The processing of these units (the mechanism or the unit is also referred to as means; hereinafter the same) is controlled by the control unit 2.

  On the other hand, the host computer 9 connected to the ATM 1 is connected to the line connection unit 8 of the ATM 1, a line connection unit 11 for transmitting or receiving data to / from the ATM 1, and a file for storing and storing various information related to transfer information and the like Unit 16, customer information file control unit 12 that controls the customer information file included in file unit 16, transfer information file control unit 14 that controls the transfer information file included in file unit 16, and host computer that controls these units And a control unit 10 (also simply referred to as a control unit). This host computer is also simply referred to as a host or the like, and is also referred to as a host station, host, or host device, and various functions described later may be controlled by a server.

  As shown in FIG. 2, the file unit 16 is preferably managed separately from the customer information file 13 and the transfer information file 15, but is managed as one file in one file unit (storage unit). It may be a method. And various processes, such as an update of information and an inquiry, are performed by the customer information file control part 12 and the transfer information file control part 14 with respect to each file. The control unit 10 may have two functions of the customer information file control unit 12 and the transfer information file control unit 14, and the control unit 10 may execute processing of each file.

  The file unit 16 in FIG. 2 is a storage device (also referred to as a storage unit or storage means) that is configured by a hardware configuration such as a magnetic disk or an optical disk and stores various data. This will be described with reference to FIGS.

  FIG. 6 shows a customer information file 13 that mainly stores user information. The “customer basic information” includes a store number 1000 indicating the main branch of the financial institution where the user has opened an account, a customer number 1001 indicating the number assigned to each customer, a name 1002 indicating the user's name in Chinese characters, and usage Kana 1003 in which the name of the person is written in kana is stored.

  The “account information” which is detailed information of the “customer basic information” has an account number 1004, a deposit balance 1005, and a personal identification number 1006 held by the user. It is also possible to have a plurality of accounts in one financial institution, in which case they are stored separately as account information 1 and account information 2. The customer information file 13 preferably has a tree structure based on “customer basic information” and has account information 1 and 2 below it.

  FIG. 7 shows a transfer information file 15 for storing transfer information. The “transfer information” includes a processing state 1100 of the main transfer information, a processing number 1101 that is the number of processing required, and transfer destination confirmation necessity information 1102. The processing state 1100 is, for example, “unprocessed” before processing, “normal termination” if completed normally, and “abnormal termination” if an error has occurred.

  The detailed information of this “transfer information”, “transfer details 1”, “transfer details 2”, “transfer details 3”, and “transfer details 4”, are the transfer-destination financial institution number 1103 and the transfer-destination branch that were entered during the transfer transaction. A number 1104, a bank account number 1105, a payee name 1106, a transfer amount 1107, and a processing result 1108 indicating the final status of the transfer transaction. Like this transfer information file 15, it is desirable to have “transfer details 1”, “transfer details 2”, “transfer details 3”, and “transfer details 4” as a tree structure based on “transfer information”. . In this figure, when the user inputs only one recipient name, there is only one “transfer details”. Needless to say, there are a plurality of "transfer information" for the user, that is, a plurality of "transfer information".

  FIG. 3 is a flowchart of processing for inputting a plurality of recipient names in a transfer transaction. In the following description, the control unit 2 that controls each part of the ATM 1 performs screen reading, operation detection, screen editing, data transmission / reception with the host, etc., and a host computer control unit 10 that controls each part of the host computer 9 The file inquiry, determination, and data transmission / reception with the ATM 1 will be omitted. These control units include a processor (CPU), a memory for storing control programs, a memory for storing data, and the like.

  When detecting that the user is approaching, the ATM control unit 2 displays a transaction selection screen indicating that transactions such as “withdrawal”, “deposit”, and “transfer” are possible on the operation unit 3 (step 100). ). When the user selects “transfer” from among a plurality of displayed transactions and presses the transfer key, the ATM control unit 2 detects this and displays a screen for prompting card insertion (step 101).

  When the user inserts the card, the ATM control unit 2 reads the account number stored in the card by the card / detail slip mechanism unit 4 (step 102).

  Next, the ATM control unit 2 displays on the operation unit 3 an input guidance screen that prompts the user to input transfer information such as a personal identification number, transfer amount, and transfer destination account number (steps 103, 104, and 105). . When the user inputs such information, the control unit 2 of the ATM 1 performs central communication (inquiry) of transfer with the host computer 9 (step 106).

  The control unit 10 of the host computer attempts to search for a name corresponding to the account number (hereinafter referred to as a recipient name) based on the account number of the transfer destination transmitted from the ATM 1. As a result of this search, if the payee name cannot be searched because the transfer-destination financial institution is an internet bank or the like, an answer with no payee name data is transmitted to ATM 1 (step 107). On the other hand, if the recipient name can be searched, a reply with the recipient name data is transmitted to ATM1.

  When the ATM control unit 2 receives a reply with no recipient name data, it displays a screen for inputting a plurality of recipient names in G107-1 shown in FIG. 8 and prompts the user to input the recipient names. When the recipient name cannot be narrowed down to one, the user can input a plurality of recipient names (in this example, four recipient names) as in the screen of G107-1.

  For example, if the information that the user knows about the money transfer destination is only the name of the Chinese character “Emi Kanada”, “Kaneda” can be read as “Kaneta” or “Kaneda”, and “Emi” Can be read as "Megumi" or "Emi". Therefore, when the combination of “Kaneda” and “Emi” is used, there are four ways of reading: (1) Kaneda Megumi, (2) Kaneta Megumi, (3) Kaneda Emi, and (4) Kaneta Emi. The user can input these four readings as the first to fourth candidates as in the screen of G107-2. In addition, if it is known that the user is at least “Megumi” of the transfer destination, only the first candidate Kaneda Megumi and the second candidate Kane Megumi need be input.

  The user confirms the input content on the screen of G107-2. When the user presses the confirmation key, the ATM control unit 2 displays the G108 screen of FIG. 9 together with other information and prompts the user to confirm the transfer information (step 108). Thereafter, central communication (execution) of transfer with the host computer 9 is performed (step 109).

  In the central update in step 106, the ATM control unit 2 that has received the answer with the payee name data displays the screen of G109 in FIG. 9 and displays the account number and the payee name in the same manner as in the conventional transfer transaction. Display them side by side to confirm the transfer information. Thereafter, central communication (execution) of transfer with the host computer 9 is performed (step 109).

  The central communication (execution) in step 109 will be described later in the transfer request transmission / reception process of FIG.

  After central communication with the host computer 9, the statement slip mechanism unit 4 prints and discharges the statement slip based on the information received from the host computer, and waits for receipt of the user together with the card. After receipt by the user, the transaction is terminated (step 110).

  FIG. 4 explains in detail the contents of the central communication (execution) of transfer in step 109 of FIG. The ATM control unit 2 transmits a transfer request to the host computer 9 (step 200).

  When the control unit 10 of the host computer receives the transfer request transmitted from the ATM 1 (Step 201), the transfer information file control unit 14 is used to transfer the transfer destination financial institution number 1103, which is the transfer information included in the transfer request. Data is created based on the transfer destination branch number 1104, transfer destination account number 1105, payee name 1106, and transfer amount 1107, and the transfer information is added to the transfer information file 15 shown in FIG. 7 (step 202).

  Each request and reply such as a transfer request is a message and data transmitted and received between the ATM 1 and the host computer 9, and various information is converted into data. After adding the transfer information, the host computer 9 transmits a transfer response to ATM1 (step 203). The control unit 2 of the ATM receives the transfer reply and executes the above-described subsequent processing described above (step 204).

  In this embodiment, data for four cases, which is the number of recipient names entered by the user, is added. However, if the user has entered only one recipient name, one additional data is added. Needless to say.

  Next, with reference to FIG. 5, a detailed description will be given of a matching process between the transfer information and the customer information that are additionally updated when the transfer request is transmitted and received. This shows the processing contents of the host computer when ATM1 makes a transfer request including a plurality of recipient name candidates.

  The control unit 10 of the host computer uses the transfer information file control unit 14 to inquire about the transfer information stored in the transfer information file 15 (step 300).

  The control unit 10 of the host computer uses the customer information file control unit 12 to perform a search using the transfer details 1 in the transfer information file 15 as a key, and determines whether or not there is a corresponding account in the customer information file 13 (step 301). 302). This is the search for the first candidate. A maximum of four transfer details are registered, and the control unit 10 of the host computer performs a maximum of four searches up to the fourth candidate as necessary (steps 303 to 308).

  In this search, the control unit 10 of the host computer searches the customer information file 13 for the name corresponding to the account number, and matches this name with the first to fourth candidates for the recipient name. If there is a payee name that matches the name corresponding to the account number among the payee name candidates, the transfer transaction is permitted (step 309), and if there is no matching payee name, the transfer transaction is rejected (step 309). Step 310).

  For example, if “Kaneta Emi” is stored in the field of Kana 1003 of the customer information file 13 as shown in FIG. 6, the control unit 10 of the host computer matches the fourth candidate among the recipient name candidates. The transaction is permitted, and the processing result 1108 of the transfer details 4 in the transfer information file 15 is set to “complete”. The processing result 1108 of the other transfer details 1 to 3 is set to “error”.

  The transfer information 1100 of the transfer information file 15 is also changed from an unprocessed status to a normal end status, and the processing is terminated (step 311).

  In the present embodiment, the host computer 9 uses the transfer information and customer information to search for the presence of an account from the payee name. However, as a matter of course, the timely search is also performed at the time of central communication of the transfer transaction by the user. Needless to say, it can be processed.

  Note that the control unit 10 of the host computer may be configured to notify the user of the processing result of accepting or rejecting the transfer transaction by e-mail or the like. The ATM1 user (transfer requester) leaves the ATM1 without knowing whether or not the transfer transaction has been performed after making a transfer request at the ATM1, but the configuration is such that the processing result is notified to the user by e-mail or the like. By adding, user convenience can be improved.

  Further, the control unit 10 of the host computer may notify the user of the recipient name that matches the name stored in the customer information file 13 when the transfer transaction is permitted. As a result, the user can recognize the correct recipient name, and can use it at the next transfer transaction request. That is, it is possible to input the correct recipient name reliably in the next transfer transaction.

  Further, the control unit 10 of the host computer relates to the processing of the transfer transaction to the user when there is no recipient name that matches the name stored in the customer information file 13 among the recipient name candidates as a result of the collation. It may be configured to send an inquiry. For example, if the name and recipient name are different by one character, it is highly probable that the application for the transfer transaction is correct (account number is entered correctly), so it is better to allow the transfer transaction. Conceivable. Therefore, the control unit 10 of the host computer makes an inquiry to the user as to whether or not to continue the transfer transaction by e-mail or the like. It is set as the structure processed. This configuration is effective when it is determined that the account number has been entered correctly although the recipient name was entered incorrectly after applying for the transfer transaction. Since the user does not need to apply for a transfer transaction again, convenience for the user is improved.

  As described above, after the user applied for the transfer transaction, the processing result of whether the host computer 9 (1) accepts or rejects the transfer transaction, (2) matches the name stored in the customer information file 13 In the case of adopting a configuration in which a recipient name, (3) an inquiry as to whether or not to continue the transfer transaction, etc. are adopted, the “contact us” key shown at the lower right of the G108 screen or the G109 screen is used. Confirm your intention. At this time, as shown in FIG. 7, transfer destination confirmation of the transfer information file 15 is set as “desired”.

  According to the embodiment described above, by reducing the transfer error between the financial institution and the recipient, the service for the user can be improved and the congestion of the window can be reduced. It is possible to provide a system that has advantages for both.

Conceptual diagram of ATM and host computer Internal block diagram of ATM and host computer Flow chart showing the entire process of payee name input on the ATM side Flow chart showing the transfer information file update process of the host computer Flow chart showing host computer account search process Internal configuration diagram of customer information file 13 Internal configuration diagram of the transfer information file 15 Example of screen when multiple recipient names are entered Example of transfer information confirmation screen

Explanation of symbols

  DESCRIPTION OF SYMBOLS 1 ... Automatic cash transaction apparatus, 2 ... Control part, 3 ... Operation part, 4 ... Card and statement slip mechanism part, 5 ... Passbook mechanism part, 6 ... Bill deposit / withdrawal mechanism part, 7 ... Coin deposit / withdrawal mechanism part, 8 ... Line connection unit, 9 ... Host computer, 10 ... Host computer control unit, 11 ... Line connection unit, 12 ... Customer information file control unit, 13 ... Customer information file, 14 ... Transfer information file control unit, 15 ... Transfer information file

Claims (4)

An automatic transaction system composed of an automatic transaction apparatus and a host computer and handling transfer transactions,
The automatic transaction apparatus is
An input means for accepting an account number and input of a plurality of recipient names as recipient name candidates;
Upon receiving a transfer transaction request from a user, a control means for transmitting the account number and recipient name candidates input by the input means to the host computer;
The host computer
Storage means for storing an account number and a name in association with each other;
When the account number and the recipient name candidate are received from the automatic transaction apparatus, the name corresponding to the account number is retrieved from the storage means, the name and the recipient name candidate are collated, and the recipient name candidate is An automatic transaction system, comprising: a control unit that accepts a transfer transaction when there is a recipient name that matches the name, and rejects the transfer transaction when there is no recipient name that matches. The automatic transaction system according to claim 1,
The control means of the said host computer notifies a user of the processing result of a transfer transaction, The automatic transaction system characterized by the above-mentioned. The automatic transaction system according to claim 1,
The control means of the host computer notifies the user of the recipient name that matches the name when the transfer transaction is permitted. The automatic transaction system according to claim 1,
The control means of the host computer makes an inquiry about whether or not to continue the transfer transaction to the user when there is no recipient name that matches the name in the recipient name candidates as a result of the verification. Automatic transaction system characterized by

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