JP3565626B2 - Automatic trading system and automatic deposit and withdrawal transaction device - Google Patents

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention relates to depositing money from a customer's account to another customer's account, and particularly to input and output display of data relating to a transfer process.
[0002]
[Prior art]
The transfer process is used for depositing money into accounts due to the on-line establishment of branches in financial institutions and the alliance of financial institutions. Conventionally, at a financial institution's sales office, fill out and stamp a designated item on a "transfer request slip" consisting of multiple sheets of paper and submit it to the counter with cash, and the staff of the financial institution will count the cash and The transfer process is performed by inputting the counterpart financial institution, the branch office code and the amount from the counter terminal. In this transfer process, for example, the first sheet of the transfer request slip is returned to the customer after receiving a seal, and the second and subsequent sheets are used as storage documents of the financial institution and a notice (mailing) to the recipient.
[0003]
However, such a transfer process has the trouble that a customer withdraws cash using an automatic deposit and withdrawal transaction device and then goes to a counter with cash, and recently, the security of cash handling and There is a need for labor saving in window operations. Therefore, transfer transactions using an automatic deposit / withdrawal transaction device have come to be performed.
[0004]
the aboveAutomatic deposit and withdrawal transaction deviceIn the case where a transfer transaction is performed by using, a transfer notice is sent to the recipient at a later date, whereby the recipient can confirm that the transfer has been made. Like thisAlthough it can be confirmed that the transfer has been received, it may not be possible to wait for the transfer notice to be sent.In that case, the financial institution had to check the balance and passbook, or had to contact the financial institution by telephone. In addition, as a method of confirming the transfer,Tell us by phoneIt is also possible.
[0005]
[Problems to be solved by the invention]
Therefore, when performing the transfer process using the above automatic deposit / withdrawal transaction device, the transferor goes to the branch office of the financial institution, and the recipient also goes to the financial institution when it is necessary to confirm the presence or absence of the transfer. On the financial institution side, secondary tasks such as telephone response remained, including the psychological burden of the staff due to the indefinite confirmation of the identity verification in response to the phone confirmation request, and the task became complicated.
[0006]
The present invention has been made in view of the above problems, and provides means for easily performing a transfer procedure when a transfer process becomes necessary, and promptly notifying the recipient of the transfer.
[0007]
[Means for Solving the Problems]
In order to solve the above-mentioned problems, the present invention provides a display of a transaction guidance screen and an operation from a customer service unit capable of inputting a transaction instruction.You can do at least bank book transfer transactionsAn automatic deposit and withdrawal transaction device, a host computer for storing and managing information such as account numbers and deposit balances of the first and second customers, and at least an input / output device owned by the second customer; Line between gold transaction device, host computer and input / output deviceConnectedIn an automated trading system,
The automatic deposit and withdrawal transaction device is capable of inputting a text message to be added to the receipt message information and a subject message that can be memo printed on the passbook from the customer service unit,
The host computer includes a message storage unit that stores the subject message and the text message together with the payment notification information, and a message management unit that outputs the text message together with the payment notification information to an input / output device owned by a second customer. Provided,
When a transfer transaction is made from the first customer to the second customer, the text message is output to the input / output device owned by the second customer together with the payment notification information, and the passbook is sent to the automatic deposit / withdrawal transaction device. When inserted, the subject message and the payment notification information are received from the host computer, and the memo can be printed on the passbook..
[0008]
Also,In an automatic deposit and withdrawal transaction device that is connected to the host computer and performs transactions by customer operation,
It has a customer service unit that can display a transaction guidance screen and input transaction instructions, and a passbook processing unit that records in the inserted passbook,
When the transaction is performed, from the customer service section, it is possible to input a text message to be added to the receipt message and the subject message to be memo-printed in the passbook, and the message is transmitted to the host computer together with the receipt notification information and stored. When a passbook is inserted into the passbook processing unit, the subject message and the payment notification information are received from the host computer, and displayed on the customer service unit together with the necessity of memo printing, and the subject message is displayed when memo printing is required. And the payment notification information is added and passbook entry is made.
[0009]
The present invention having the above-described means performs a transfer transaction from a first customer's account to a second customer's account, and at the same time, from the first customer entered by the first customer to the second customer. The message to be conveyed is temporarily stored in a storage unit managed by the financial institution host computer, and a payment notification is output by a method designated by the second customer.
[0010]
BEST MODE FOR CARRYING OUT THE INVENTION
Hereinafter, embodiments of the invention will be described with reference to the drawings.
FIG. 2 is a control block diagram of an automatic deposit / withdrawal transaction device used in the automatic transaction system of the present invention, and FIG. 3 is a perspective view showing an appearance of the automatic deposit / withdrawal transaction device.
In the figure, reference numeral 1 denotes an automatic deposit and withdrawal transaction device (hereinafter referred to as ATM), and 2 is a customer identification issued by a financial institution and storing customer information such as a code for each financial institution, a customer account number, and a name. A card (hereinafter referred to as a financial card) 3 or a card having a function of reading the stored information from a transfer-only card (hereinafter referred to as a transfer card) 4 in which transfer information such as a code of a transfer destination organization is recorded. In the processing section, the financial card 3 and the transfer card 4 are inserted or returned by the card insertion / return port 2a connected to the front side of the card processing section 2.
[0011]
Reference numeral 6 denotes a passbook processing unit which performs printing processing and the like on a passbook 7 (not shown) inserted from the passbook insertion / return port 6a. It has a page break means and the like. Reference numeral 8 denotes a statement processing unit which prints a transaction statement and performs a process of issuing a statement 9 (not shown) issued to the customer according to a procedure described later.
[0012]
Reference numeral 10 denotes a banknote depositing / dispensing unit that discriminates, counts, transports, and stores banknotes deposited by a customer in a denomination storage safe (not shown), or withdraws bills paid to a customer from the denomination storage safe. It is. A coin receiving / dispensing unit 11 discriminates, counts, transports and stores coins received by the customer in a denomination storage safe (not shown), or withdraws coins paid to the customer from the denomination storage safe. It is.
[0013]
The bill receiving / dispensing unit 10 and the coin receiving / dispensing unit 11 are connected to a customer service opening 12 for a customer to insert bills and coins (hereinafter, referred to as money) or to pay money to the customers. In addition, the customer service port 12 controls the insertion and removal of money by operating the shutter 12a by a driving unit (not shown).
[0014]
Reference numeral 13 denotes a customer service unit, which is a touch panel for performing a transaction guidance display for performing a transaction input by a customer and for inputting an operation, and is configured to be capable of pen input. Reference numeral 14 denotes a voice guidance unit for guiding the customer to the transaction together with the above-mentioned transaction guidance display.
[0015]
Reference numeral 15 denotes a memory unit including a RAM, a ROM, a floppy disk, or the like in which programs for performing various controls are stored. Reference numeral 16 denotes an interface unit (hereinafter referred to as an I / O) serving as a connection port with a host computer as a host device. F section). Reference numeral 17 denotes a transceiver (handset) which is configured to be connectable to a host computer via the I / F unit 16 and is capable of inputting and outputting by voice.
[0016]
Reference numeral 18 denotes a main control unit for controlling the above-mentioned units. Although not shown, the main control unit 18 also has a control function of recognizing characters input by the pen at the customer service unit 13 and performing kanji conversion and screen display. Reference numeral 19 denotes a power supply unit that supplies power to the above units.
[0017]
(First embodiment)
FIG. 1 is a conceptual diagram showing a first connection mode in a case where a transfer process is performed in a situation where a transferee and a payee have accounts in the same financial institution.
In the figure, reference numeral 1 denotes an ATM as described above, which is connected to the first host computer 20 via the I / F unit 16 via a dedicated line 21. Reference numeral 22 denotes a first storage unit connected to the first host computer 20, and stores various information such as customer address, name and account number information. Reference numeral 23 denotes input / output means installed at the recipient's residence or the like, which is a general multifunctional telephone 23a or facsimile 23b, etc., which can be connected to the first host computer 20 via a public line 24. .
[0018]
Reference numeral 25 denotes a transfer input / output means for performing a transfer from a transferee's residence or the like, and is configured to be connectable to the first host computer 20 via a public line 26, for example, with a multifunctional telephone 25a with a display screen. I have. (Details will be described in a second embodiment described later)
FIG. 4 shows information stored in the first storage unit 22 described above. Reference numeral 22a denotes customer / account number information, such as customer address, name, age, telephone number, account number, and personal identification number. Information. Reference numeral 22b denotes fixed document list information, such as fixed information to be transmitted as fixed text to the ATM 1 or the input / output means 23 of the recipient by a customer operation when performing a message service described later. 22c is network connection information, which is line connection information for transmitting a message to a recipient.
[0019]
Reference numeral 22d denotes message storage information, which temporarily stores a message selected by the transferor and input text, and has an audio file portion. Reference numeral 22e denotes audio editing information for editing information input by voice. Reference numeral 22f denotes other various information of the entire system, but is not related to the present invention, and is omitted.
[0020]
Next, a display example of the customer service section 13 shown in FIGS. 5 and 6 will be described. FIG. 5 is an example of a transaction selection screen at the start of the transaction, and the transaction subject is “payment” “deposit” or the present invention. "Transfer" or the like for starting the transfer process relating to the transfer is displayed, and the transaction is selected by lightly touching the display portion.
[0021]
FIG. 6 shows a case where handwriting input is performed by using an input pen 13a prepared in advance near the ATM 1. The pen-specific text can be input at a predetermined position displayed on the screen. Characters are recognized and Kana-Kanji characters are displayed.
[0022]
Next, a description will be given of a transfer process that can also transmit a message to a recipient with reference to flowcharts shown in FIGS. 7, 8, and 9. FIG.
First, as shown in FIG. 5, when "Transfer" is selected from the transaction selection screen of the customer service section 13 (SA1), "Please insert a card" is displayed on the screen, and the transfer person inserts the financial card 3 into the card. When inserted from the return port 2a (SA2), the financial card 3 is taken up to the card processing unit 2, the stored information is read, the information is transmitted to the first host computer 20 via the dedicated line 21, and the customer service unit is received. 13 displays "Please input your personal identification number", and prompts you to enter a personal identification number with the number of digits specified for each transferee.
[0023]
When the transferee inputs the personal identification number (SA3), the customer / account number information 22a in the first storage unit 22 connected to the first host computer 20 is searched and collated with the information. If the passwords do not match, the message "The password is incorrect, please re-enter the password" is displayed and a request for re-input is made (SA4).
[0024]
Here, if there is no match even after the predetermined number of re-inputs (SA5), the financial card 3 is taken in or returned to the ATM 1 (SA6), and the fact is displayed on the customer service unit 13 and the process is terminated. The financial card 3 that has been taken in or returned is processed according to the attendant, but the description is omitted.
[0025]
If the password matches, the message "Please insert a transfer card" is displayed on the customer service section 13 and the transfer card 4 is inserted through the card insertion / return slot 2a (SA7). 2, the stored information is read, the information is transmitted to the first host computer 20 via the dedicated line 21, and the customer service unit 13 is provided with the name of the financial institution or the branch to which the money is to be transferred. Information such as the amount of money is displayed as shown in FIG. 10 (however, no message is displayed at this time) (SA8). Subsequently, a selection is made as to whether the transfer is from a "deposit account" of the transferor or from "cash" (SA9).
[0026]
In the case of cash transfer, the shutter 12a of the customer service opening 12 is opened to enable the insertion of money, and the insertion of money for transfer is prompted (SA10), and the operation proceeds to the operation of taking in the inserted money (the following money processing). The description will be described later), and the screen shifts to a screen display for selecting a message “necessity” to the recipient (SA11). The message includes a subject (for example, “celebration”) and a word (for example, “congratulations on enrollment”). The subject message is used for a memo printing service for a passbook, which will be described later. This is added and will be described in detail below.
[0027]
When the message "necessary" is selected, first, as shown in FIG. 11, the subjects are displayed according to the purpose of the transfer. For example, if "Celebration" is selected as the subject message and the confirmation key is touched, a specific purpose display screen is displayed as shown in the example of FIG. 12 (SA12). If you select “Rent” for membership fees, tuition fees, examination fees, etc. of various groups, etc., the rental housing usage fee, parking lot usage fee, etc. will be displayed, and if “Other” is selected, purchase a car Cost, repair cost, vehicle inspection fee, farewell fee, etc. are specifically displayed.
[0028]
If there is no desired display on the display screen, if the "next candidate" key is displayed, the subjects stored in the standard document list information 22b are sequentially displayed. If there is still no desired display, a "Create" key is displayed on the final screen (not shown), and by touching this key, a unique subject message of the transferee can be input. For example, on the screen of the customer service section 13, display the Japanese syllabary key, or display the English character array key as shown in FIG. 13 and convert to Roman alphabet input, or use the pen input screen display as shown in FIG. Then, a unique subject message can be input by the input pen 13a (SA13).
[0029]
When the selection and input of the subject message is completed, next, in order to input the text message, the user inputs the text message by the above-described Roman character input conversion or pen input, recognizes the character, performs Kana-Kanji conversion, displays the input result, and displays the input result. When the "confirmation" key is touched (SA14), all the input messages are displayed on one screen as shown in FIG. 10 (SA15), and the transferor is prompted to confirm whether or not there is any correction (SA16).
[0030]
The subject message is stored in the customer / account number information 22a together with the handling date, the transfer amount and the balance information in the customer / account number information 22a, added to the transaction data, and used as entry data for passbook entry to be described later. used.
[0031]
In addition, as the text message, the standard document list information 22b stored in the first storage unit 22 is displayed on the screen for selection, or a part of the standard document is displayed in a blank and the remittant inputs the additional information. It is also possible to process (correct) a part of the identification type document by the transfer person.
When the correction "None" is input, the transfer process is performed to the account of the recipient, and the message is stored in the message storage information 22d of the first storage unit 22 for each account (SA17).
[0032]
In the transfer process, the designated amount is subtracted from the depositor's deposit account and the same amount is added to the payee's account.However, instead of actually sending the money, the customer's ledger file is deleted. It is needless to say that this is to update the savings amount data. Furthermore, the transfer fee may be reduced from the depositor's deposit account.
[0033]
Subsequently, the financial card 3 and the transfer card 4 held in the card processing unit 2 are ejected from the card insertion / return port 2a and returned to the transferor (SA18). Is printed, and if there is a change, it is discharged to the customer service port 12 (SA19), and the transfer operation at the ATM 1 is completed.
[0034]
On the other hand, in the receiver's receiving process, the deposit / deposit amount data of the receiver's account is updated (SA20), and a notification that the receiver has been transferred is output (SA21). For this output, a notification by mail as in the past or a notification immediately by telephone or facsimile is selected by prior application by the recipient, and is stored in the first storage unit 22 for each account of the recipient. Have been.
[0035]
Next, a transfer operation when cash is inserted as a transfer money will be described with reference to a flowchart shown in FIG.
When the cash for transfer is inserted into the customer service port 12 (SA30), the cash is taken into the ATM 1, the authenticity is discriminated and counted, and the results are totaled for each denomination. While being displayed (SA31), the cash is transported to a temporary storage unit (not shown). The transferor checks the displayed amount with the inserted amount and the transferred amount, and when it is determined that there is no problem (SA32), the cash in the temporary storage unit is stored in a denomination storage safe (not shown) (SA33).
[0036]
If the amount of inserted cash is insufficient, a screen display requesting additional insertion is performed. Next, the presence or absence of a change is determined (SA34), and a change process is performed when there is a change (SA35).
[0037]
Next, a case where the facsimile machine 23b is selected as a means for notifying the receiver of payment will be described with reference to a printing example shown in FIG.
First, the name of the recipient (or the designated facsimile receiving location) and the transferred account number are printed on the top row of the figure, and the address, name and amount of the transferee are printed on the middle row, and Print a text message that is also a feature. This print format can be stored in the standard document list information 22b as a basic sentence, and only the customer-specific portion (for example, the underlined portion in the rectangle shown in FIG. 14) can be replaced with the input character and printed. .
[0038]
Also, the case where the multi-function telephone 23a is selected as the means for notifying the recipient of the payment will be described. A text message input at the same time as the completion of the transfer is transmitted via the public line 24 according to an instruction from the first host computer 20. Notification to the recipient by voice synthesis.
[0039]
If the multi-function telephone 23a is in the home mode, calling is performed a plurality of times. If no response is obtained, the calling is stored in the voice editing information 22e together with the message storage information 22d, and the calling is repeated again after a predetermined time has elapsed. Control. If it is in the answering machine mode, it is notified as an answering machine recording. When the notification output is completed, the text message may be deleted.
[0040]
Finally, in the case of notification by mail, the notification will be sent at a later date, but the transmission instruction including the text message is automatically output to a device (not shown) or the like. As for facsimile and mailing, it is possible to print a text message with a pen input as it is in a font (handwriting) as it is, so that a friendly message can be obtained.
[0041]
For the recipient, it is possible to print as a memo in the passbook, and a service as a deposit record is performed. This means that if there is a passbook entry opportunity, a "memo printing service" screen is displayed on the customer service section 13 as shown in FIG. Is added and printed, for example, as shown in the example of FIG. In this memo printing service, the necessity of the transferor can be selected and recorded not only in the receiver but also in the passbook corresponding to the transferor's account.
[0042]
In this manner, a service can be provided in which a memo can be printed on the passbook and can be stored as a special occasion record or the like.
[0043]
(Second embodiment)
FIG. 17 is a conceptual diagram showing a second connection form in a case where the transfer processing is performed in a situation in which the transferee and the payee have accounts in different financial institutions. This is a case where a transfer instruction is performed by the installed input / output means.
[0044]
The same elements as those in the first embodiment are denoted by the same reference numerals.
In the figure, reference numeral 1 denotes an ATM as described above, which is connected to the first host computer 20 via the I / F unit 16 via a dedicated line 21. Reference numeral 22 denotes a first storage unit connected to the first host computer 20, which stores customer address, name, account number information, and the like.
[0045]
Reference numeral 25 denotes a transfer input / output means for performing a transfer from a transferee's residence or the like, and is configured to be connectable to the first host computer 20 via a public line 26, for example, with a multifunctional telephone 25a with a display screen. I have. Each piece of information is stored in the first storage unit 22 as shown in FIG. 4, but the description is omitted because it is the same as that described above.
[0046]
Reference numeral 40 denotes a second host computer, which can be connected to the first host computer 20 via a dedicated line 41. Reference numeral 42 denotes a second storage unit connected to the second host computer 40, which stores customer address, name, account number information, and the like. Reference numeral 23 denotes input / output means installed in the recipient's residence or the like, which is a general multifunctional telephone 23a or facsimile 23b, etc., which can be connected to the second host computer 40 via the public line 24.
[0047]
Next, a transfer process capable of transmitting a message will be described with reference to flowcharts shown in FIGS. However, the multifunctional telephone 25a with a display screen is described as a push-button telephone and the input method is predetermined.
[0048]
First, the first host computer 20 is called via the public line 26 from the multi-function telephone 25a with a display screen owned by the transferor (SB1). When a signal indicating that the connection has been made is received from the first host computer 20, the user inputs his / her own "account number" by pressing the push button (SB2), and then inputs the "password" corresponding to the account number. (SB3), the customer's account number information 22a in the first storage unit 22 is searched for the account number and password of the transferee, and the input password is collated and confirmed (SB4).
[0049]
When connecting to the public line, encryption for security of communication and digital signature of the depositor are performed in consideration of unauthorized transactions by third parties such as eavesdropping on customer information such as personal identification numbers. However, the description is omitted.
[0050]
Here, if the account number entered in the customer / account number information 22a does not exist, "Please re-enter the account number" is instructed by voice or screen display, and if the passwords do not match, " Please re-enter your password. " When the account number and the password are confirmed, the telephone number and the date and time are stored in the first storage unit 22 (SB5), and "Yamakawa, please input the transaction details" is instructed to execute the transaction. It is designated (SB6).
[0051]
When the transfer person designates and inputs "transfer" (SB7), a request for confirmation input is made in response to "Acknowledgment, transfer process is completed" (SB8), and then "Transfer destination financial institution name, Please input the name of the branch, the account number of the recipient, and the amount of money correctly ", and input the items required for the transfer process (SB9).
[0052]
As the input method at this time, since there are many input items, the name of the financial institution to be transferred, the name of the business office (actually, several digits given to each financial institution), and the account number of the recipient are registered in advance. If it is stored, abbreviated input is also possible. FIG. 20 is an example of a list of payees in which abbreviated numbers and payees are prepared as a payee registration example for the abbreviated input. For example, if "# 01" is abbreviated, "Akagi Bank Fukuoka Branch, Account number 012345, 50,000 yen ". Needless to say, the storage for inputting the abbreviated number may be on the multi-function telephone 25a with the display screen or on the first storage unit 22.
[0053]
When the transfer person inputs and confirms each information by the above operation, the transfer information is output by voice or screen display (SB10), and the connection from the first host computer 20 to the second host computer 40 is performed. (SB11), the presence or absence of the designated account is inquired, and the second host computer 40 searches the designated account information from the second storage unit 42 and notifies the result to the first host computer 20. (SB12).
[0054]
On the other hand, if the transfer information is output and the transferor corrects the amount or the like (step SB13), the transfer information is corrected (step SB14). Then, matching with the search information from the second host computer 40 is performed (SB15), and if they match, an instruction for final confirmation is prompted (SB16). At this time, if the second host computer 40 transmits the search information of "no corresponding account", or the name of another person is output due to an erroneous input of the account number, or the processing is canceled in the middle, "Cancel" In response to this instruction, the information is stored in the network connection information 22c and the connection line with the second host computer 40 is disconnected (SB17).
[0055]
When the transfer process input is completed and the recipient confirmation is completed, the necessity of a message to the recipient is urged (SB18).
A message "essential" is input, and a message type (subject and wording) is selected from materials coded in advance for each message (not shown, but a list of messages according to FIG. 20) (SB19). The message code stored in the first storage unit 20 is transmitted to the second host computer 40 (step SB20).
[0056]
If the message code and the message content are unified between the financial institutions, the message code can be transmitted to the second host computer 40 as it is, and the communication time can be reduced.
[0057]
When the input of all the messages is completed and the confirmation input is performed (SB21), the contents of the received message are output by voice (SB22), the "presence / absence" of the correction is inquired, and the final confirmation is made (SB23). When "No" is input, a message is transmitted to the transfer destination (SB24), a transfer process is performed to the designated account (SB25), and the transmitted message is stored in the message storage information 22e in the second storage unit 40. The account number is stored for each account and the handling number is output (SB26).
[0058]
When the transfer process is completed, the handling number is also output to the transferor side, and the process is terminated. Although the above description has been given of the multi-function telephone 25a with a display screen, if there is a facsimile function, it is also possible to receive the transaction processing form by facsimile (SB27).
[0059]
On the other hand, the recipient's second host computer 40 updates the deposit balance information of the recipient's account and outputs a notification that the recipient has received a transfer, which is the same as in the first embodiment. Is omitted.
[0060]
Further, in the above-described transfer by telephone in the second embodiment, the explanation has been made assuming the numbers and symbols of the push buttons (push phones). It is naturally possible to store the data as it is and output it as a sound, and further output and display it on a display screen.
Although the above message output has been described as being output from the second host computer 40 to the recipient, it can also be output from the first host computer 20 using the public line 43.
[0061]
(Third embodiment)
A payment notification is output to the recipient at the same time as the completion of the above-mentioned transfer processing. If the multi-function telephone 23a is selected as the payment notifying means to be received by the recipient, the payment person outputs the ATM 1 or the display when the notification is output. This allows the user to talk with the recipient from the multi-function telephone 25a with a screen.
The connection form will be described with reference to the conceptual diagram shown in FIG. 17, but the transfer processing step is omitted since it is the same as the first and second embodiments, and the recipient is notified according to the flowchart shown in FIG. The process of performing the output will be described.
[0062]
First, when the transferee inputs an instruction to make a call with the receiver at the time of the transfer operation, the multifunction telephone 23b, which is the input / output device of the receiver, is called via the public line 43 (SC1). The fact that the line is connected to the person is output (SC2), and a call from the transceiver 17 or the multi-function telephone 25a with a display screen is enabled for a predetermined time (SC3). When the transceiver 17 and the like are returned to the predetermined positions, the call is terminated (SC4), and the public line 43 is disconnected (SC5).
[0063]
When the connection is disconnected, the corresponding message in the message storage information 22d is deleted (SC6), and the transfer transaction is completed. If the connection with the multi-function telephone 23b, which is the input / output device of the receiver, is not possible, the fact that the line connection is not possible is output and the notification according to the first or second embodiment is made (SC7). ).
As a result, it is possible to provide a service that allows the transferee to interact with the receiver.
[0064]
In addition, the public lines 24 and 43 are individually numbered for easy understanding in the description, but are the same lines and do not need to be individually arranged.
[0065]
Further, in the above embodiment, the case where the transfer is made from the ATM to the designated account in the same financial institution is the first embodiment, which is different from the financial institution where the transferor has opened an account from the multifunctional telephone such as the transferor's residence. Although the example of the transfer to a payee having an account at a financial institution has been described as the second embodiment, the present invention is not limited to this. Needless to say, it can be transferred to the designated account of the institution.
[0066]
Although the telephone has been described as a multi-functional telephone with a display screen or a multi-functional telephone, the present invention is not limited to this as long as it has an input / output function of each embodiment, and also includes a home banking terminal and the like. It is what is done.
[0067]
Although the storage information shown in FIG. 4 of the present invention has been described as the first storage unit, if the second storage unit has the same configuration, message service can be performed mutually. Further, if the message type is configured such that the fixed document list information can be stored in the memory section (for example, a floppy desk) of the ATM so that the message service can be provided, it is possible to provide a message peculiar to the business office (for each ATM). If the message is a fixed sentence, the information can be stored in the transfer card, and the message can be input more easily.
[0068]
【The invention's effect】
As described above, the invention of the present application is based on the operation of the customer service unit that can display the transaction guidance screen and input the transaction instruction.You can do at least bank book transfer transactionsAn automatic deposit and withdrawal transaction device, a host computer for storing and managing information such as account numbers and deposit balances of the first and second customers, and at least an input / output device owned by the second customer; Gold transaction equipment, host computer and input / output equipmentAnd line connectionAutomated trading system
The automatic deposit and withdrawal transaction device is capable of inputting a text message to be added to the receipt message information and a subject message that can be memo printed on the passbook from the customer service unit,
The host computer includes a message storage unit that stores the subject message and the text message together with the payment notification information, and a message management unit that outputs the text message together with the payment notification information to an input / output device owned by a second customer. Provided,
When a transfer transaction is made from the first customer to the second customer, the text message is output to the input / output device owned by the second customer together with the payment notification information, and the passbook is sent to the automatic deposit / withdrawal transaction device. When inserted, the subject message and the payment notification information are received from the host computer, and the memo can be printed on the passbook.
Therefore, the transferee does not need to make a telephone call or the like, and the receiver is immediately notified of the presence of the transfer, so that there is no need to inquire about the presence or absence of the transfer.
[0069]
Also, in an automatic deposit and withdrawal transaction device that is connected to a host computer and performs transactions by customer operation,
It has a customer service unit that can display a transaction guidance screen and input transaction instructions, and a passbook processing unit that records in the inserted passbook,
When the transaction is performed, from the customer service section, it is possible to input a text message to be added to the receipt message and the subject message to be memo-printed in the passbook, and the message is transmitted to the host computer together with the receipt notification information and stored. When a passbook is inserted into the passbook processing unit, the subject message and the payment notification information are received from the host computer, and displayed on the customer service unit together with the necessity of memo printing, and the subject message is displayed when memo printing is required. And the payment notification information is added and passbook entry is made.
Therefore,Transfer from payer to payeeIs notified immediately, so that there is no trouble of inquiring and confirming the presence or absence of the transfer. Further, there is an effect that the psychological burden on the financial institution staff due to the uncertainty of the identity verification by telephone confirmation and the reduction of secondary work can be reduced.
[0070]
Furthermore, there is an effect that a service is provided in which a message can be transmitted at the same time as the transfer, and in the passbook entry, both the transferee and the recipient can be saved as a special memorandum.
[Brief description of the drawings]
FIG. 1 is a conceptual diagram showing a first connection mode of the present invention.
FIG. 2 is a control block diagram of the automatic deposit and withdrawal transaction device of the present invention.
FIG. 3 is an external perspective view of the automatic deposit and withdrawal transaction device of the present invention.
FIG. 4 is an explanatory diagram showing information stored in a storage unit according to the present invention.
FIG. 5 is an explanatory diagram showing a transaction selection screen by the ATM of the present invention.
FIG. 6 is an explanatory diagram showing a message input unit of the present invention.
FIG. 7 is a flowchart of the first embodiment of the present invention.
FIG. 8 is a flowchart of the first embodiment of the present invention.
FIG. 9 is a flowchart of the first embodiment of the present invention.
FIG. 10 is an explanatory diagram showing a display example of a transfer screen with a message according to the present invention.
FIG. 11 is an explanatory diagram showing a display example of a message input guidance screen according to the present invention.
FIG. 12 is an explanatory diagram showing a display example of a message input guidance screen according to the present invention.
FIG. 13 is an explanatory diagram showing a message input screen of the present invention.
FIG. 14 is an explanatory diagram showing an example of notification by facsimile of the present invention.
FIG. 15 is an explanatory diagram showing an example of a guidance screen display before passbook entry according to the present invention.
FIG. 16 is an explanatory diagram showing a passbook printing example of the present invention.
FIG. 17 is a conceptual diagram showing a second connection mode of the present invention.
FIG. 18 is a flowchart of a second embodiment of the present invention.
FIG. 19 is a flowchart of the second embodiment of the present invention.
FIG. 20 is an explanatory diagram showing a transfer destination registration example according to the second embodiment of this invention.
FIG. 21 is a flowchart of a third embodiment of the present invention.
[Explanation of symbols]
1 Automatic deposit and withdrawal transaction device
3 Financial card
4 transfer card
6 Passbook processing section
13 Customer Service Department
13a Input pen
16 Interface section
17 Transceiver
20 first host computer
22 First Storage Unit
22a Customer / account number information
22b Standard document list information
22d Message storage information
22e Audio editing information
24, 26, 41 Public line
40 Second host computer
42 Second Storage Unit

Claims (3)

An automatic deposit and withdrawal transaction device capable of performing at least a passbook entry and a transfer transaction by an operation from a customer service section capable of displaying a transaction guidance screen and inputting a transaction instruction;
A host computer for storing and managing information such as account numbers and deposit balances of the first and second customers;
At least an input / output device owned by the second customer;
In the automatic transaction system in which the automatic deposit and withdrawal transaction device, the host computer, and the input / output device are line- connected ,
The automatic deposit and withdrawal transaction device,
It is possible to input a text message added to the subject message and the payment notification information that can be memo printed in the passbook from the customer service unit,
In the host computer,
Message storage means for storing the subject message and the wording message together with payment notification information ,
Message management means for outputting the text message to an input / output device owned by a second customer together with payment notification information;
When a transfer transaction is performed from the first customer to the second customer, the text message is output to the input / output device owned by the second customer together with payment notification information ,
When a passbook is inserted into the automatic deposit / withdrawal transaction apparatus, the subject message and the deposit notification information are received from the host computer, and a memo can be printed on the passbook . In an automatic deposit and withdrawal transaction device that is connected to the host computer and performs transactions by customer operation,
A customer service department that can display a transaction guidance screen and input transaction instructions,
A passbook processing unit that records the passbook to be inserted,
When the transaction is performed, from the customer service section, it is possible to input a text message to be added to the account message and the payment notification information to be printed on the passbook, and the message is transmitted to the host computer together with the payment notification information and stored,
When a passbook is inserted into the passbook processing unit, the subject message and the payment notification information are received from the host computer, and displayed on the customer service unit together with the necessity of memo printing,
An automatic deposit / withdrawal transaction apparatus, wherein when a memo print is required, the subject message and the deposit notification information are added to passbook entry. The automatic deposit and withdrawal transaction device according to claim 2,
An automatic deposit and withdrawal transaction device which displays the subject message and the text message on the customer service section on a single screen to prompt confirmation.

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