JP3019282U - Service system such as bank household memos and usage statement card - Google Patents

Abstract

(57) [Summary] [Purpose] Bank notes, etc.
A service system for outputting a usage statement card by M and a usage statement card thereof are provided. [Structure] Data provided by services such as household memos are aggregated and stored in a memory in a bank host computer for a certain period of time. The ATM is allowed to select a service such as household memorandum, the memory bit of the host computer is checked for the selection, and the result is printed out by the ATM printer. The usage statement card such as household memos is displayed in the usage statement entry field for several months, and according to the applicable month, the usage statement amount such as electricity charges for automatic deduction items, gas charges, etc. and their total amount. Is provided. [Effect] The user carries the cash card and
By using TM, a usage statement card such as a household memo can be provided anytime and any number of times.

Description

[Detailed description of the device]

[0001]

[Industrial applications]

 This device is a utility bill that is paid a fixed amount each month such as electricity, gas, water, telephone, and broadcasting reception charges for each home, company, office, etc., and is subject to automatic deduction at the bank. Among the items, particularly for items that are highly required to be recorded and stored for financial management, the amount of each item and the amount summed up by month (the above contents are collectively referred to as household memorandum) are plural. It relates to a service system for outputting as a usage statement card by an automated tellers machine (hereinafter simply referred to as ATM) of a bank over a month, and a usage statement card such as a household memo provided by the service system.

[0002]

[Prior art]

 At homes, companies, offices, etc., electricity, gas, water, telephone, broadcasting fees, etc., which are paid a fixed amount every month, are automatically deducted from utility bills and other banks. Therefore, it is easy to manage because it is easy to win. Therefore, there is a strong demand to check as much as possible and manage it properly, to grasp and examine the change in the amount of money and to control unnecessary expenses.

The following are known conventional techniques that meet the above demands. As an individual contract between a bank and a customer, an arbitrary aggregation date is set, and an output function that automatically prints the total monthly deposit / withdrawal amount in the bank passbook is provided. There are columns. Create a dedicated bank passbook (household account passbook), specify the date of aggregation, and automatically print only the total of deposits and withdrawals.

[0004]

[Problems to be solved by the present invention]

 In the above-mentioned conventional method, there is too much information stored in the bank passbook, and the items that one wants to see tend to be buried. In addition, the degree of consumption of the bankbook will be accelerated, and the cost burden of the bank that provides the bankbook will increase. However, since the monthly total of deposits and withdrawals is only stated, and the amount of money for each item is unknown, it is not possible to grasp the details. Moreover, there is the inconvenience that it does not make sense unless you carry a bank passbook and receive a passbook entry service. Therefore, there is a risk of an accident in which the passbook is lost, and in that case, the financial information of the owner is exposed to others.

The above method has the same problem as in the above. In other words, the amount of money for each household memo item is unknown, it is not possible to grasp the details, and it does not make sense unless you carry a bank passbook and receive a passbook entry service. There is a lot of fear. Therefore, an object of the present invention is to provide a service system capable of outputting various household memo items as a usage statement card at any time and any number of times over a plurality of months by a specific operation of a bank ATM. Providing a dedicated usage statement card that details the amount of each item provided by the service system.

[0006]

[Means for Solving the Problems]

 As a means for solving the above-mentioned problems of the prior art, the service system for household memorandums, etc. of the bank according to the invention of claim 1 is an automatic withdrawal for outputting to the host computer of the bank by the service of household memorandums. A memory function that aggregates and files the item data over a certain period of time is provided, and services such as household memos are added to the software menu of the automated tellers machine, which is a terminal device, to enable selection. At the same time, for the selection of the service such as the household memo, the memory bit of the service such as the household memo stored in the host computer is checked, and as described above, the memory bit of the service such as the household memo stored in the host computer is checked. The result of checking the molybit is the printer of the automated tellers machine. Each is characterized by being printed out on the usage statement card.

A bank statement such as a household memorandum of a bank according to the invention of claim 2 is a bank statement card printed out by an automated tellers machine, which is a terminal of the bank, and is written vertically in the bank statement. And a horizontal row for several months, and for each applicable month, usage charges such as electricity charges, gas charges, water charges, telephone charges, broadcast reception charges, and total charges for each of the above charges. It is characterized in that a display column of is provided.

[0008]

[Action]

 The service system according to claim 1 is realized by providing the host computer with a memory function for data related to household memo items, adding services such as household memos to the ATM software menu, and operating the both in cooperation. After that, when the user operates the ATM according to the menu screen, the user can receive the printed usage statement card. In other words, the usage statement card can be obtained each time the ATM is operated as needed.

In the usage statement card according to claim 2, among the items to be automatically debited by the bank, the amount of money for each item targeted by the service is at least recent months (such as two months) for each aggregation month. It is printed for about 3 months), so the user can understand and understand the details in detail at a glance. Therefore, by obtaining this usage statement card once a month or once every two to three months and saving it in a binder, it is possible to record and save similar to a bank passbook. By plotting the transition, it is possible to manage money carefully such as household budget, and contribute to curbing unnecessary expenses.

[0010]

【Example】

 Next, the illustrated embodiment of the present invention will be described. FIG. 1 shows the relationship between the host computer 1 of the bank and the ATM 2 which is its terminal. The usage statement card 3 such as a household memo is printed out by operating the ATM 2 and can be obtained by the user. . As a premise, data of automatic withdrawal items output by this service to the host computer 1, for example, so-called public charges such as electricity charges, gas charges, telephone charges, broadcast reception charges, or school tuition, taxes, A new memory function will be provided to record insurance premiums, etc., and collect and file them for a fixed period, for example, at the end of each month. On the other hand, the ATM 2 software will have a new service menu such as "Various Services" added as a service menu displayed on the display to allow the user to select it. When the service menu is selected, the host computer 1 is contacted with the host computer 1 whenever necessary, and the host computer 1 is made to check the memory bit of the service such as household memorandum stored in the host computer.

Therefore, when the user operates the ATM2, the ATM2 printer communicates with the host computer 1 as described above, and the data of the household memo item stored in the ATM computer is checked as a result of checking the memory bit. It is automatically printed out on card 3. FIG. 2 shows a processing flow of the ATM2. On the display of the ATM 2, a service menu as shown in FIG. 3 is selectably displayed as an initial screen. In other words, it indicates that a service menu such as "various services" is newly added as a result of implementing the present invention.

Then, when the user selects the menu of “various services etc.”, the display screen changes to the “household memo service” menu screen as shown in FIG. On the menu screen shown in Fig. 4, you can select "Issue memo" of "Household memo service", "New application" and "Cancel" of this service, and the user It indicates that the "Cancel" menu can be selected if the user does not wish to select the "Memo service" menu.

When any one of the service menus other than “Cancel” is selected, the screen changes to a menu screen prompting the user to insert a cash card, as shown in FIG. When the user inserts the cash card, the screen becomes a menu screen as shown in FIG. 6 in which the user requests the input of the personal identification number registered for the cash card. At the time when the personal identification number is input, the ATM 2 starts communication with the host computer 1 when the user has selected the "issue memo" service menu, and as shown in FIG. First, check the user's "existence of account" and "password", and check the data contents stored in the memory bit of the service such as household memorandum, and send it back to ATM2. If all the above checks are correct, the ATM 2 prints out the usage statement card 3 of the user.

FIG. 8 shows an example of the usage statement card 3. This is a copy of the usage statement card of paper quality and size currently used at ATMs, and two through holes 4 (but not limited to this) are provided in the upper part for storing in the binder. It is being done. As with the previous usage statement card, various items necessary for the statement, notes on usage, bank trade name, and other indications are displayed. Further, a usage statement entry field 5 is provided in a required size in a vertical and horizontal matrix form.

FIG. 8 shows a concrete display form and contents of the usage details of the “household memo”. The amount of electricity charge, the gas charge, the water charge, and the broadcast reception charge, and the related month's amount are shown. The total withdrawal amount and the payment amount for the current month when using a credit card are listed individually for each of the three months in each display column. If the aggregation process is performed every month, the past three months (however, the number of months is not limited) are printed back from the month before operating the ATM2. Of course, the items to be printed out are arbitrarily selected as necessary or according to the importance as long as they are automatically deducted by the bank. Not as long.

[0016]

[Effects of the present invention]

 According to the service system such as the household memorandum of the bank according to the invention of claim 1, the user does not need to carry a bank passbook with him or herself even if he / she carries a bank card even by simply modifying the software of the host computer and ATM. Therefore, as long as you use the ATM of the bank, it is convenient to provide a usage statement card such as a household memo at any time and any number of times. Does not change the contents of the bankbook. Even if the usage statement card is lost, there is no concern that the economics of a particular user will be immediately exposed to others. The cost burden on the bank can be negligible. It can be used by users in the same way as the normal ATM operations they are already familiar with.

In addition, according to the usage statement card according to the invention of claim 2, regarding the household memo items that are the subject of the automatic withdrawal processing at the bank, the amount of money by item, the total amount of monthly withdrawal, etc. Since it is specified, you can understand and understand all the numbers at a glance. Therefore, if this usage statement card is spelled and stored in a binder or the like, accurate financial management can be performed for each item such as a household memo over a long period of time, similar to a bank passbook.

[Submission date] May 23, 1995

[Procedure Amendment 2]

[Document name to be amended] Statement

[Correction target item name] 0001

[Correction method] Change

[Correction content]

[0001]

[Industrial applications]

This device is a utility bill that is paid a fixed amount each month such as electricity, gas, water, telephone, and broadcasting reception charges for each home, company, office, etc., and is subject to automatic deduction at the bank. Of the items, particularly for items that are highly required to be recorded and saved for financial management, the amount of each item and the total amount of withdrawal for the month including them (the above contents are collectively referred to as household memos, etc.) Related to a service system that outputs as a usage statement card by an automated teller's machine (hereinafter simply referred to as ATM) of a bank for a plurality of months, and a usage statement card such as a household memo provided by the service system. .

[Procedure 3]

[Document name to be amended] Statement

[Correction target item name] 0007

[Correction method] Change

[Correction content]

A usage statement card such as a household's household memo according to the invention of claim 2 is a usage statement card printed out by an automated tellers machine, which is a terminal of the bank, and the usage statement entry column indicates And a horizontal matrix for several months, and for each applicable month, usage details such as electricity charges, gas charges, water charges, telephone charges, broadcast reception charges, and total withdrawal amount for the current month. It is characterized by a display column for the amount of money.

[Procedure amendment 4]

[Document name to be amended] Statement

[Name of item to be corrected] 0015

[Correction method] Change

[Correction content]

[0015] FIG. 8 shows a specific display form and content of the usage details of the "household memo", electricity charges, gas charges, water rates, and broadcast reception fees each of the amount of money, a credit card to the parallel beauty When used, the payment amount for the current month and the total withdrawal amount including the amount of each item of the user in the current month are individually listed for three months in each display column. If the aggregation process is performed every month, the past three months (however, the number of months is not limited) are printed back from the month before operating the ATM2. Of course, the items to be printed out are arbitrarily selected as necessary or according to the importance as long as they are automatically deducted by the bank. is not.

[Brief description of drawings]

FIG. 1 is an explanatory diagram showing a relationship between a host computer executing a service system of the present invention and an ATM.

FIG. 2 is a block diagram of a processing flow for executing the service system of the present invention.

FIG. 3 is an explanatory diagram of an ATM initial menu screen for executing this service.

FIG. 4 is an explanatory diagram of a menu screen of an ATM household memo service.

FIG. 5 is an explanatory diagram of a menu screen that prompts insertion of a cash card.

FIG. 6 is an explanatory diagram of a menu screen that prompts the user to input a personal identification number.

FIG. 7 is an explanatory diagram showing a printout of a usage statement card.

FIG. 8 is a front view showing an example of a usage statement card such as a printed household memo.

[Explanation of symbols]

 1 Host computer 2 Automated Terra's Machine (ATM) 3 Usage statement card 5 Usage statement entry field

─────────────────────────────────────────────────── ───

[Procedure amendment]

[Submission date] May 23, 1995

[Procedure Amendment 1]

[Document name to be amended] Statement

[Name of item to be corrected] Claim 2

[Correction method] Change

[Correction content]

Claims (2)

[Scope of utility model registration request] 1. A bank host computer is provided with a memory function for collecting and filing data for each automatic withdrawal item output by a service such as household memos for a certain period of time, and software for an automated tellers machine which is a terminal. A service such as household memo is added to the menu of the wear to enable the selection and the memory bit of the service such as household memo stored in the host computer is checked for the selection of the service such as the household memo. As described above, the result of checking the memory bit of the service such as household memo filed in the host computer is printed out on the usage statement card by the printer of the Automated Terras machine, the household memo of the bank. Etc. service system. 2. A usage statement card printed out by an automated tellers machine, which is a terminal of a bank, wherein the usage statement entry fields include vertical and horizontal rows and columns for several months and corresponding months. Separately, there is a display column for the amount of usage details such as electricity charges, gas charges, water charges, telephone charges, broadcast reception charges, and the total amount of each of the charges, which are automatic withdrawal items. Usage statement card such as memo.