JPH02287767A - Automatic teller system - Google Patents

Abstract

PURPOSE:To open an account easily for a bank, a customer, etc., by reading data out of a card and sending the data to the host computer of the bank, requesting the host computer of another bank to send individual information, and opening the account with the information and also issuing a bankbook and a card. CONSTITUTION:When a request to open an account is inputted and the card of a different bank is set, the data is read out of the card and sent to the host computer 20 of this bank and the host computer 20 of this bank requests the host computer 30 of the corresponding different bank to send the individual information on the card, thereby opening the account with the individual information. The individual information is sent to a terminal device 10, which issues the bankbook and card according to the individual information. Consequently, the customer need to enter no necessary items in a slip for account opening and a teller at the window of the bank need not performs specific processing by using the slip, so that the account is opened easily for the bank, customer, etc.

Description

DETAILED DESCRIPTION OF THE INVENTION <Industrial Application Field> The present invention relates to an automatic transaction system having a function of opening a personal account in a bank or the like.

<Conventional technology> Traditionally, when a bank etc. opens an account for a customer, the customer fills out necessary information such as his/her name and address on an account opening slip, and the clerk at the counter of the bank etc. uses this slip to open an account. Perform the prescribed processing and issue a passbook.

Furthermore, when a bank or the like opens a customer's account and issues a cash card, it mails it to the customer's home, etc.

<Problems to be Solved by the Invention> However, with the method of opening an account using the above procedure, there are problems in that it is troublesome for the customer to fill in the slip, and the work of the bank counter staff increases.

Furthermore, in the above cash card issuance method, the customer:
There is a problem in that the cash card cannot be used after the account is opened until the cash card is received.

Furthermore, if a transaction device with an account opening function is developed, the work of the clerk at a bank or other counter can be omitted, but even in this case, if the customer does not perform the prescribed operations on the transaction device, However, there is a problem that the operation is troublesome.

SUMMARY OF THE INVENTION In view of the above-mentioned conventional problems, it is an object of the present invention to provide an automatic transaction system that allows banks and customers to easily open accounts.

Means for Solving the Problems> In order to achieve the above object, the present invention provides a means for inputting an account opening request, a means for reading data recorded on a card, and a means for writing data on a card and then operating the card. The terminal device has a means for issuing a passbook and a means for issuing a passbook, and this terminal device reads the data of the card when an account opening request is input and a card of another bank is set. The bank's host computer requests the personal information of the card from the other bank's host computer, opens an account using the personal information, and transmits the personal information to the terminal device. , the terminal device is adapted to issue a passbook and a card based on the personal information.

<Example> Hereinafter, the present invention will be described in detail with reference to the drawings. FIG. 1 is a schematic configuration diagram showing an entire embodiment of an automatic transaction system according to the present invention, FIG. 2 is a block diagram showing a detailed configuration of the terminal device in FIG. 1, and FIG. FIG. 4 is a block diagram showing the detailed configuration of the host computer shown in FIG. 1, and FIG. 5 is a diagram for explaining the operation of the terminal device shown in FIGS. 1 to 3. FIG. 6 is a flowchart for explaining the operation of the host computer shown in FIGS. 1 and 4.

In FIG. 1, 10 is a terminal device installed in a store such as a bank to open a customer's account and issue cash cards, etc.; 20 is a terminal device installed in a center of the bank etc., as described below. The host computer 30 that processes transactions with the host computer 30 is installed in a center of another bank, etc., and is a host computer that transmits account opening data to and from the host computer 20, as will be described later.

In the terminal device 10 shown in FIG. 2, 11 is a central processing unit (CPU) that performs control for account opening and cash card issuance as shown in FIG. 5, and 12 is a cpull.
A read-only memory (ROM) 13 stores execution programs and initial setting data, and 13 is a random access memory (RAM) having a work area for the CPU 11 and the like.

14 is a display section (CR) that displays operation guidance screens for opening accounts and issuing cash cards for customers.
T), 15 is a touch panel that is superimposed on the CRT 14 and serves as a customer operation unit; 16 is a card transport mechanism, a league for reading the bank, branch, account number, and PIN number recorded in advance on the card; This is a card processing unit consisting of a writer etc. that issues the card.

17 is a passbook processing unit for issuing a passbook, etc.; 18 is a passbook processing unit for issuing a passbook, etc.;
A slip processing section 19 for printing and issuing transaction data on a slip is a communication processing section for transmitting data to and from the host computer 2O. Note that the above-mentioned constituent members are connected via an interface 19a.

As shown in FIG. 3, the front of the housing of this terminal device 10 has a CRT 14, a touch panel 15, a card insertion and ejection slot 1681 of a card processing section 16, and a passbook processing section 17 for easy operation by customers. A passbook outlet 17a and the like are provided.

In the host computers 20, 30 shown in FIG.
21 is a central processing unit (CPU) which performs control for opening an account and issuing a cash card, as shown in FIG.
2 is a read-only memory (ROM) in which execution programs and initial setting data for the CPU 21 are stored, and 23 is a C
This is a random access memory (RAM) having a work area for the PU 21, etc.

24 is a communication processing unit for transmitting data with the partner host computer 20130; 25 is a communication processing unit for transmitting data with the communication processing unit 19 of the terminal device 20; and 26 is a communication processing unit for transmitting data with the communication processing unit 19 of the terminal device 20. , external memory processing that controls reading and writing of the mass storage device 27 in which customer information such as the name, address, telephone number, whether transactions are possible, etc. of customers who have opened accounts at their own banks, etc., is registered. Department. Note that the above-mentioned constituent members 21 to 26 are connected via an interface 28.

Next, the operation of the above embodiment will be explained with reference to FIGS. 5 and 6.

First, with reference to FIG. 5, the operation of the terminal device 10, especially the CP
The operation of U1l will be explained.

In step 31, when a transaction for opening an account is selected via the touch panel 15, the process of accepting cards from other banks begins (step 32), and operational instructions such as "Please insert your card" are displayed. CRT14
(step 33).

Next, when the card is inserted into the card insertion/ejection port 16a of the card processing section 16, the card is taken in by controlling the card processing section 16, and the data is read and stored in the RAM 13.

In the following step 34, the process of accepting the PIN number of the card is started, and the CRT 14 is controlled to display operation guidance such as "Please enter the PIN number" (Step 35).

When the PIN number is input via the touch panel 15, the card processing unit 16 is controlled to return the card (step 36), ``Please remove the card.'' Step 3: Control the CRT 14 to display operation guidance such as "
7).

In the following step 38, one communication processing section is controlled to transmit the account opening request and card data including the PIN number to the host computer 20, and personal information ( When the customer information (customer information) is received, it is stored in the RAM 13, and if a transaction is possible, the process proceeds from step 39 to step 40.

In steps 40 and 41, confirm the personal information and
Please. ” will be displayed, and if it is confirmed via the touch panel 15, the process will proceed from step 42 to step 43 to begin the process of accepting the new card's PIN number, and will display the message ``Please manually enter the PIN number.'' ” and the like (step 44).
.

When the PIN number of the new card is entered manually via the touch panel 15, the PIN number is transmitted to the host computer 20 in step 45, and when the new passbook data transmitted from the host computer 20 is received as described later, step 46 The process then proceeds to steps 47 and 48, and the card processing unit 16 is controlled to issue and release a new card and new passbook. Further, a message such as "Please remove your card and passbook" is displayed (step 49), and when the card and passbook are removed, the process ends.

In step 39, if the transaction is not possible based on the personal information (customer information) transmitted from the host combi coater 20, the process branches to step 50, a message to that effect is displayed, and the process ends. If the confirmation key is not operated in step 42, the process branches to step 51, where a request to cancel the account opening is sent, and the process ends.

Next, the operation of the host computer 20, particularly the operation of the CPU 21, will be explained with reference to FIG.

In step 61, when an account opening request and card data including a PIN number are received from the terminal device 10 via the communication processing unit 25 (corresponding to step 38 in FIG. 5), the partner company corresponding to the bank data of the card is received. Card data including a personal identification number and a request for personal information are transmitted to the host computer 30 of the bank via the communication processing unit 24 (step 62).

When the host computer 30 of the partner bank receives this data, it reads the personal information from the mass storage device 27 by controlling the external memory processing section 26 and sends it to the host computer 20 via the communication processing section 24. Send.

In the host computer 20, the personal information is received in step 63 and stored in the RAM 23, and if a transaction is possible, the process proceeds to step 64 and transmits the personal information to the terminal device 10 (corresponding to step 39 in FIG. 5). ).

Next, as soon as the personal identification number transmitted from the terminal device 10 is received (corresponding to step 45 in FIG. , In the following step 67, data of the opened account, that is, new card data and new passbook data, is transmitted to the terminal device 10 (Fig. 5,
(corresponding to step 46).

Therefore, according to the above embodiment, when a card of another bank is inserted in the terminal device 10 installed in a store such as a bank and an account opening is requested, personal information is obtained from the host computer 30 of the other bank. Since the bank issues a new card and new passbook, there is no need for the customer to fill in the necessary information on the slip for opening an account, or for the clerk at the counter of the bank to perform the prescribed processing using the slip. The customer can use the new card immediately.

<Effects of the Invention> As explained above, the present invention provides a means for inputting an account opening request, a means for reading data recorded on a card, a means for writing data on a card and issuing the card, The terminal device is equipped with a terminal device having a means for issuing a passbook, and when an account opening request is input and a card of another bank is inserted, this terminal device reads the data of the card and sends it to the bank's own host computer. transmit,
This bank's host computer requests the personal information of the card from the other bank's host computer, opens an account using the personal information, and transmits the personal information to the terminal device, and the terminal device Since passbooks and cards are issued based on information, there is no need for customers to fill in the necessary information on account opening slips, or for bank staff to carry out prescribed processing using these slips. Since the customer can use the new card immediately, opening an account is easy for the bank and the customer.

[Brief explanation of the drawing]

FIG. 1 is a schematic configuration diagram showing an entire embodiment of an automatic transaction system according to the present invention, FIG. 2 is a block diagram showing a detailed configuration of the terminal device in FIG. 1, and FIG. 4 is a block diagram showing the detailed configuration of the host computer in FIG. 1, and FIG. 5 is a block diagram showing the detailed configuration of the host computer in FIG. 1.
FIG. 3 is a flowchart for explaining the operation of the terminal device, and FIG. 6 is a flowchart for explaining the operation of the host computer of FIGS. 1 and 4. 1d...terminal device, 20, 30... host computer. Name of agent Patent attorney Teruo Aomi Proceedings amendment (voluntary) July 73, 1999

Claims (1)

[Scope of Claims] A terminal having means for inputting an account opening request, means for reading data recorded on a card, means for writing data on the card and issuing the card, and means for issuing a passbook. The terminal device has a device, and when an account opening request is input and a card of another bank is inserted, the terminal device reads the data of the card and transmits it to the bank's own host computer, and the host computer The personal information of the card is requested from the host computer of the other bank, an account is opened using the personal information, and the personal information is transmitted to the terminal device, and the terminal device issues a passbook and card based on the personal information. An automated trading system that is characterized by: