JPH0944578A - System and method for automatic transfer contract - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a means which an automatic transfer contract process, which is originally accepted at a counter, to be carried out by a conversation through a terminal when a transfer transaction from an account is done on a public money ATM, etc., by using an ID card as to the automatic transfer contract system which makes an automatic transfer contract for paying public utility charges by automatic transfer from the financial institution account of a payer to requester's accounts at requests for payment which are successively made. SOLUTION: A request information input means 101 inputs payment request contents and a request information confirming means 201 collates them with the contents of a request information storage part 204; and a customer information confirming means 203 collates an account number and a password code inputted through a payer's account specifying means 102 with customer attribute information in a customer information storage part 205 and a transfer means 202 performs account transfer. At this time, an automatic transfer contract request confirming means 301 confirms an automatic transfer request for next and succeeding payment and an automatic transfer contract means 302 generates automatic transfer contract information.

Description

Detailed Description of the Invention

[0001]

TECHNICAL FIELD The present invention relates to taxes, water, gas,
Regardless of the method of going to a financial institution each time to pay for the payment request that occurs when there is a continuous obligation to pay, such as utility bills for electricity, broadcasting, communications, etc.
The present invention relates to an automatic transfer contract system and method for concluding an automatic transfer contract in which an account of a payer's financial institution is automatically transferred to an account of a claimant.

[0002]

2. Description of the Related Art Conventionally, even for customers who automatically transfer money from their own account to the claimant's account using a public money ATM (AUTOMATIC TELLER MACHINE) that can process bills for public utility charges In order to use the transfer (a method of performing payment processing of taxes / public money, etc. by the account transfer automatically performed by the host computer), the user was directed to the counter to execute the use application processing by the automatic transfer request form.

[0003]

However, it takes a lot of money to arrange a staff member to guide, and there are few customers who bother to apply at a counter just by using a leaflet for PR or guidance on a terminal screen, and the automatic transfer process is utilized. There was a problem that was not progressing.

In view of such a point, the present invention has a conversation with a terminal for an automatic transfer registration process which is originally accepted at a store when a customer conducts an account transfer transaction using a public money ATM or the like using a card. The purpose is to provide a means that enables to do.

As a result, the number of customers who use the automatic transfer processing can be increased. That is, the present invention presents a payment slip in which payment details are entered by a device installed in a financial institution such as a public money ATM, and presents an ID card for a CD (CASH DISPENSER) and a personal identification number to make an account. For the payer who paid by transfer, the claimant confirmed in the above transaction by confirming that there is a request for automatic transfer contract procedure, which is originally a window service, on the screen of the terminal device. It is possible to conclude an automatic transfer contract easily by linking the attribute information of the payer and the information of the account, and it is possible to achieve labor saving in the internal business.

[0006]

[Means for Solving the Problems] The above problems are solved by an automatic transfer contract system configured as follows.

FIG. 1 is a block diagram of the present invention. Reference numeral 100 denotes means arranged in a terminal for operating automatic transactions, and 200 denotes means arranged in the center of a financial institution which is connected to the automatic transaction terminal and controls automatic transactions. Further, reference numeral 300 denotes a means newly arranged in the present invention. The means for configuring the system are shown below.

The billing information input means 101 is for inputting the payment billing information recorded on the medium, and the billing information confirmation means 201 is the billing right holder who stores the inputted billing information in the billing information storage section 204. It is to verify that the claim actually exists by collating it with the claim information.

The payer account designating means 102 is for inputting the payer's account number and the payer's personal identification number, and the customer information confirmation means 203 is for inputting the payer's account number and the payer's personal identification number. The account is confirmed by collating it with the attribute information of the account holder stored in the customer information storage unit 205.

The transfer means 202 transfers the account from the confirmed payer account to the claimer account displayed in the confirmed billing information. In the above automatic transaction system, the automatic transfer contract request confirmation means 30 is further provided.
1 is a request to enter into a contract to automatically transfer the billing content of the claimant to the payer from the confirmed payer account to the confirmed claimer account at the time of the account transfer transaction. When confirming the request to conclude the contract, the automatic transfer contracting means 302 creates the automatic transfer contract information based on the confirmed billing information and the confirmed payer attribute information. The billing information storage unit 204 and the customer information storage unit 205
Is to be stored.

As described above, the automatic transfer contract is made.

[0012]

FIG. 2 is a block diagram showing an embodiment of the present invention. Reference numeral 23 is a control unit of an automatic transaction terminal (ATM). It is installed in a store of a financial institution and is online connected to a computer center of a financial institution.The user can operate the connected input / output function by himself to automatically make the desired transaction such as refund, deposit, transfer, transfer, etc. It is designed to be processed.

First, the input / output function for automatic transaction will be described. The screen 24 is for guiding various operations to the user as necessary. Reference numeral 25 is an input means for inputting a personal identification number, selecting an operation menu, and selecting a confirmation button, which comprises a plurality of keys or a touch sensor on the screen.

Reference numeral 22 is an ID card reader for reading an ID card issued to a trader with the financial institution, and reference numeral 26 is a statement slip recording the contents of the transaction when the automatic transaction is carried out. It is a thing.

Reference numeral 21 is for reading a bill for paying public utility bills, recognizing the contents of the bill recorded on the bill for paying bills, and automatically transacting the payment of the public bill for billing by cash transfer or account transfer using an ID card. It is possible.

Reference numeral 27 denotes a control unit in which a computer center of a financial institution is provided with various means for performing the central functions of the present system and which includes a processing device, a storage device and the like. In the embodiment shown in the present invention, the demander for payment is the electric power company A. Therefore, 28 is an account file of the A electric power company, and 204 is a file in which bill contents such as the electric power usage fee charged from the A electric power company to the user are paid.

Reference numeral 29 is a personal account file of a payer who is an electricity user and is obliged to pay the electricity charge. Reference numeral 205 denotes the payer's personal information file, which stores and holds balances, transaction history, transaction type, name, address, other personal credit information, etc. based on the account number as attributes relating to the individual. There is something. Further, 206 is for storing the contract contents when the automatic transfer contract is established.

Before explaining the operation, the components will be described. FIG. 3 is an explanatory diagram of an example of a utility bill. It is a billing slip for making a payment at the financial institution when the notification of the bill for the power charge is notified as described above. (A) has shown the structure of the payment slip. The dotted line in the figure is a perforation for separating the slip into four parts.
Is a transfer notification form that notifies the electric power company that there was a transfer, transfer form 32 and transfer request form 33 are used for the delivery and storage of information inside the financial institution, and 34 is a receipt for the payer. Is.

FIG. 3 (b) illustrates the information recorded on the above public utility bill. The claimant information 35 is a public organization or a public company requesting payment, in this case, the company name of the electric power company, the account number of the claimant, that is, the account number when making a transfer, and the name of the shop handling the contact as an inquiry point for the content. Is recorded. What is shown in parentheses for each item name is an example of the content presented to the payer, and is used for the explanation below.

The billing content 36 includes billing items such as an electricity charge, a meter reading month, a payment amount, and a payment deadline. Also,
The payer name, customer number, payer address, and transaction contract details are recorded in the payer information 37.

FIG. 4 shows a transition example of the terminal operation screen. A payment obligee who has received a bill for utility charges with a payment slip may pay cash at the payment slip at the counter, but an automatic transaction device (public money AT that can pay public utility charges using the payment slip above)
Financial institutions that have installed M) are inviting people to pay using the public money ATM by the payer's own operation.

When paying using a public money ATM, payment may be made in cash, but a user who has a transaction account at the financial institution can also transfer from his own account to the claimant's account. The example of the screen shown here shows a case where a user who has received a payment request from A Electric Power in the payment slip makes a transfer payment from his / her own account held at the financial institution.

The figure shows the flow from [start] in the upper left to the direction of the arrow, and from [end] in the lower right. The square frame indicating the contents displayed on each screen has a number in parentheses at the upper left of each for reference in the description. The small square frame at the bottom right of the screen frame shows the user's operation corresponding to the screen.

As will be referred to later, one flow will be described here. The transaction content is selected with (01). Here, "electric utility bill" is selected to pay the electricity bill. In (02), there are utilities such as electricity, gas, telephone, broadcasting, tax, etc. The menu handled by the public money ATM of this financial institution is shown, and "A power" is selected. Since the message (03) instructs to put the utility bill in the reading machine, the bill sent from the A power station brought in is read.

The contents of the read payment slip are displayed on the screen (04) and it is confirmed that the payment contents are correct, and the "confirm" button is pressed. Since you will be asked to select a payment method in (05), select "Card" here.
Insert the D card.

At (06), the user is instructed to input the personal identification number, so the key is input by the key 25 in FIG. The center confirms the account file, transfers the amount charged to the claimant's account, and displays the card balance, that is, the balance of the deposit account on the screen at (07) and issues a receipt. Although the account transfer process for payment is completed here, whether or not to use the function of the present invention before returning the ID card in (08), that is, from the next time, billing for payment of the electricity charge from A power Asks the user on the screen whether to pay by automatic transfer from the account specified by the ID card this time. If you don't want to pay and use cash or ID card from the next time, you will receive the card and statement and end.

Here, when "desired" is selected to use the automatic transfer, a screen for confirming the content of the automatic transfer appears at (09). The content is a reconfirmation of the target payment request item, billing account name, etc. confirmed in (01) to (07). When "confirm" is selected, in (10), as will be described later, collation confirmation of related information in the center is performed and contract information is created.

[0028] When the billing party, that is, the account holder and the account name that can be known from the related information of the ID card, are different, the contract cannot be made because the person cannot be verified because of tax etc., but here the contract is successful. If it is established, the card and the statement slip are output in (11), and the process ends.

5 and 6 show the structure of the file held on the side of the center, FIG. 5 is an explanatory view of the example of the structure of the billing content file, and FIG. 6 is an explanatory view of the structure of the financial institution personal information file.

The billing content file is a file in which the billing groups, companies, etc., are collected in a list format on a regular basis and given to a financial institution on behalf of some electromagnetic medium to request collection of bills. Is. For example, in the case of an electric power company, the amount of electric power used by each household or company is read every month, and the billing contents are sent to each user as a bill, as shown in FIG. The list of each user of the above-mentioned payment request is given to the financial institution by magnetic tape and requested to collect the electricity charge.

FIG. 5 (a) corresponds to the title of the billing content file, in which the electric power company A is the biller, the account number and the contact information store, and the electricity for May 1995. It means that the fee is billed with a payment deadline of June 20.

In (b), a list of detailed bills by customer for the above electricity charges is shown. The payer name 51, address 52, and transaction details correspond to the customer number 50, which is the management number at the A power company. 53 is displayed, and the charged amount is shown in 55 according to the usage amount of 54 below. The deposit date 56 records the date when the deposit is made by some method.

Items 57, 58 and 59 are items relating to automatic transfer. 57 indicates the date when automatic transfer started,
Although this is not shown in FIG. 5 (a), it indicates that the transfer is automatically performed every month on a predetermined day.
An automatic withdrawal is made from an account 59 of the financial institution indicated at 58.

Therefore, when 57 is blank and does not indicate that automatic transfer is being performed, the payer goes to the window of the financial institution and submits the payment slip and cash to the window, or the public money mentioned above. If you use an ATM or the like to pay with a payment slip and cash, or if you have an account at the financial institution instead of cash, you will be presented with an ID card as described above and pay by transfer from the account to the account.

In the column of the automatic transfer start date of 57, "***"
"*" Is the payer with customer number 542009 (B
C) enters the payment slip as shown in FIG. 3 into the public money ATM and uses the ID card of the financial institution (DK) to enter his account (number 234).
From 5) on June 3rd, the account was transferred and paid, and the automatic transfer contract from the next time was signed.

The bill contents file is collected after the payment deadline, confirmation of deposit is made, and "**" written in 57
It is also possible to record the establishment of a new automatic transfer contract by **. The automatic transfer contract is also recorded in the payer personal information file 205 linked to the payer personal account 29 of FIG. 2, which is the user's account file. Billing content file 204 is monthly A
It is used for delivery between the electric power company and the financial institution, and the above "***" is recorded in the automatic contract file 206 by organizing the contract contents.

Next, the structure of the financial institution personal information file will be described with reference to FIG. The collection of public utility charges is set so that various financial institutions such as post offices and banks can be selected by payers. Here, D where public money ATM is installed
The structure of the personal information file of K financial institution is shown.

Customer number 61, customer name 62, address 6
3. For customers who have contracts for automatic transfer of public utility charges corresponding to telephone number 64 and account number 65, the automatic transfer start dates of various public utility charges are recorded at 66. Broadcast, for example
Telephone, electric power, ..., City tax with the date entered in each column is an automatic transfer contract. For example, Mr. KL with customer number 0312 has been broadcasting and calling from April 1993. , I am paying for electricity from my account 5678 of DK financial institution by automatic transfer. About city tax 4 in 1995
Automatic transfer from the month.

Mr. BC of the name column 62 mentioned above is the ID of the public power ATM as described above for the electricity charge of A electric power.
After paying by card transfer, I contracted to pay by automatic transfer from the next time, so "***" is written in the power column of FIG. 6 and the billing file 204 with the power company The delivery date will be fixed and the official transfer date will be set.

The operation of the automatic transfer contract procedure under the conditions described above will be described with reference to a flowchart. 7 and 8 show flowcharts (No. 1) and (No. 2) of the automatic transfer contract procedure.

In step S71 of FIG. 7, the payer, who is requested to pay the utility bill by sending the payment slip, can input the payment slip using the public money ATM. It indicates that payment is made by transfer to an account of a group or a public company.

At the step S72, when the transfer transaction by the ATM is completed, a question is asked on the screen as to whether or not to use the automatic transfer from the next time on the payment item which is invoiced this time. Step S if you do not want
76, the process proceeds to step S77, and the statement form recording the contents of the transaction at the ATM and the ID card are returned as usual.

When automatic transfer is desired in step S72, the fact that the automatic transfer contract procedure request has been made (date, month, time, transaction number, etc.) is recorded in step S73 (transaction record).

In step S74, the contract items (customer number, payer name, payer address, billing item, biller name, biller account number, etc.) from the billing content file 204 described with reference to FIG.
Is temporarily stored.

Similarly, in step S75, contract items (individual name, personal address, personal account number, credit information, etc.) are temporarily stored from the personal information file 205 as shown in FIG.

In steps S81 and S82 of FIG. 8, the contents of the temporarily stored billing contents file and the contents of the personal information file are compared and it is confirmed that they match.
In step S81, individual name and payer name, step S8
In 2, the personal address and payer address are compared.

If they do not match, in step S85, the name or address of the person who should pay the contract is different from the name or address of the person who should pay, so a message to request a consultation is displayed because the automatic transfer contract cannot be made mechanically. Normal A
Step S7 to end the transaction by transfer in TM
6. In step S77, the card and statement slip are returned.

When no contradiction is detected in steps S81 and S82, the billing contents and personal information temporarily stored in step S83 are recorded and stored in the contract-related file, that is, billing contents file 204, payer personal information file 205 and the like. To do. That is, as shown in FIG.
Record "***" etc. in Fig. 6 where applicable.

In step S84, in addition to the contents of the automatic transaction by the card this time, the contents of the automatic transfer contract, that is, the contents of which claim item of the claimant and the account of the payment obligor from the next time are automatically transferred. Print on a vote and output. This is passed along with the card in step S77.

Since the related files are tabulated and organized monthly, a formal notice of the contents of the automatic transfer including the start date is separately mailed. At this time, the contents of the related files including the automatic transfer contract file 206 are completed.

Although the transfer of public utility charges using public money ATM has been described in the embodiment of the present invention, the present invention is not limited to public utility charges, and may be applied to private groups such as school dues, academic society dues, alumni dues, etc. Even if it is a payment, there is a continuous obligation to pay every month, every period, every year, etc.
If the automatic transaction device can be used for transfer, an automatic transfer contract can be similarly made.

[0052]

As is apparent from the above description, according to the present invention, when a customer of a financial institution uses a card to make an account transfer transaction by public money ATM or the like, at the end of the transaction,
Originally, by providing a means to enable automatic transfer registration processing accepted at the counter through conversation with the terminal, it is possible to increase the number of customers who use automatic transfer processing and promote the efficiency of clerical processing of financial institutions. , It is possible to reduce the need for users to visit the counter of a financial institution and save time and expenses for users, which has the effect of improving the comfort of life and improving the efficiency of social activities.

[Brief description of drawings]

FIG. 1 is a block diagram of the present invention.

FIG. 2 is a configuration diagram showing an embodiment of the present invention.

[Figure 3] Illustration of an example of a utility bill

[Fig. 4] Example of transition of terminal operation screen

FIG. 5 is an explanatory diagram of a configuration example of a billing content file

[FIG. 6] Structure explanatory diagram of a financial institution personal information file

[Figure 7] Flow chart of automatic transfer contract procedure (Part 1)

FIG. 8: Flowchart of automatic transfer contract procedure (Part 2)

[Explanation of symbols]

 101 billing information input means 102 payer account designation means 201 billing information confirmation means 202 transfer means 203 customer information confirmation means 204 billing information storage section 205 customer information storage section 206 automatic transfer contract storage section 301 automatic transfer contract request confirmation means 302 automatic transfer Contract method

Claims (2)

[Claims] 1. A billing right inputting means for inputting billing information recorded on a medium, and a billing right holder storing the billing information inputted by a payment obligor (hereinafter referred to as a payer) in a billing information storage section. A billing information confirmation means for checking the billing information (hereinafter referred to as a biller), a payer account designating means for inputting a payer account number and a payer personal identification number, and a payer account number and the payer input above Customer information confirmation means for confirming the personal identification number against the attribute information of the account owner stored in the customer information storage unit, and from the confirmed payer account to the claimer account indicated in the confirmed payment request information. A transfer means for transferring funds to an account,
In the automatic transaction system consisting of, at the time of the account transfer transaction, the content of the claim of the claimant to the payer that occurs thereafter is automatically transferred from the confirmed payer account to the confirmed claimer account. Automatic transfer contract request confirmation means for confirming with the payer whether there is a request to conclude a contract, and when confirming the request for concluding the above contract, the billing information of the above-mentioned confirmed claimant and the attribute information of the confirmed payer. An automatic transfer contract system comprising: automatic transfer contract information created by and an automatic transfer contract means for storing in the billing information storage unit and the customer information storage unit. 2. A claim right holder (hereinafter referred to as a claimant) who inputs payment request information recorded on a medium and stores the payment request information entered by a payment obligor (hereinafter referred to as a payer) in a claim information storage unit. Specify the payer account number by inputting the payer account number and payer personal identification number, and store the input payer account number and payer personal identification number in the customer information storage section. In the automatic transaction method, which checks the attribute information of the account holder who made a check and transfers the account from the confirmed payer account to the claimer's account in the confirmed payment request information, it occurs after the above-mentioned account transfer transaction. Regarding the billing content of the claimant to the payer, confirm with the payer whether there is a request to automatically conclude a contract from the confirmed payer account to the confirmed claimer account. When the request for conclusion is confirmed, the automatic transfer contract information is created by the billing information of the confirmed biller and the customer information of the confirmed payer, and stored in the billing information storage unit and the customer information storage unit. An automatic transfer contract method characterized by: