JPH10269409A - Transfer system for automatic teller machine - Google Patents

Abstract

PROBLEM TO BE SOLVED: To enable the confirmation display of transfer information within specified days in the transfer of public charges and cards and processing on an automatic teller machine(ATM) as a transfer transaction within specified days even after the date of transfer when the transfer on the transfer date is disabled by the lack of the remainder to any designated financial institute. SOLUTION: The ATM is provided with a display select key for the transfer information and when a user inserts the card or a bankbook and presses the transfer information select key, the transfer information of user is possessed from the transfer information storage means of host computer and a retrieving means for personal information so that the transfer information can be displayed on the ATM. Besides, since the selection of key is performed on the ATM of user, information at the time of transfer is possessed and displayed on the ATM by a means for editing information required for transfer at the host computer so that the transfer is enabled on the ATM by paying charges or the like even after the transfer date. Thus, the transfer processing is enabled by the ATM.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic teller machine used in a financial institution, and more particularly, to a designated financial institution where the user has forgotten the withdrawal date and has no balance. When it is not possible, it reduces the trouble of having to go to a designated financial institution at a later date and transfer it, and relates to a function to improve services to users.

[0002]

2. Description of the Related Art Conventionally, if it is impossible to withdraw from a designated financial institution on the day of debit, a notice is sent by mail so as to make an immediate transfer at a later date. Since the transfer is performed by using a device as described in the gazette or by a procedure by a clerk, the transfer can be made only at the designated time at the designated bank. In the past, processing could not be performed until a mail notification of forgotten debit arrived, and the transfer must be made immediately after the notification.

[0003]

Heretofore, a customer has been informed by postal mail that the debit cannot be made on the day of the debit, and then the customer goes to a designated financial institution for remittance.

[0004] It is an object of the present invention to provide an automatic teller machine for providing withdrawal information, and in the event that the withdrawal has not been made on the day of debit, it can be processed by the automatic teller machine as a transfer process.

[0005]

A card insertion slot for inserting a card, a passbook insertion slot for inserting and removing a passbook, a banknote and coin depositing and dispensing slot for inserting and removing banknotes and coins, and a key input operation by a user. An operation unit for performing, an operation display unit for guiding a user to an operation procedure and the like, a means for storing debit information in advance in an automatic teller machine connected to a center and a line, and a means for searching for personal information, By providing a means for calculating the transferable date when the transfer was not made on the day of the transfer, a means for detecting and confirming the transfer, and a means for editing the necessary information for the transfer, the transfer after the transfer date was provided An automatic teller machine system characterized by performing a transfer process at the time of unscheduled operation and improving convenience and service for a user of the automatic teller machine.

[0006]

DESCRIPTION OF THE PREFERRED EMBODIMENTS One embodiment of the present invention will be described below in detail with reference to the drawings.

FIG. 1 is an external view of an automatic cash transaction apparatus. The passbook insertion slot 1 is used to take out and put in a passbook. The card insertion slot 2 is used to insert and remove a card. The operation display unit 3 displays an operation procedure and a display of withdrawal information. The operation unit 4 performs key input according to the operation procedure. The banknote and coin depositing / dispensing port 10 performs depositing / dispensing of banknotes and coins.

FIG. 2 is a control block diagram of an automatic teller machine and a transfer system of a host computer.

The transferable date calculation unit 6 calculates information corresponding to a preset transferable date and a display set date. The amount counting unit 7 calculates the total transfer fee including the commission and the like. The card or passbook reading unit 8 reads personal information entered in the card or passbook. The interface unit 9 exchanges data with an upper host computer. The main control unit 5 controls each of the components 3, 4, 6 to 9.

The debit information storage unit 11 stores debit information in advance. The personal information search unit 12 withdraws the information of the designated individual based on the personal information from the automatic teller machine and searches the information storage unit 11. The transfer information editing unit 13
The commission, transaction code, and destination are edited based on the information in the debit information storage unit 11.

An embodiment of the present invention will be described below.

FIG. 3 shows an example of a transfer control flow chart (at the automatic teller machine side) when no withdrawal is made, and FIG. 4 shows an example of a control flow chart at the host computer side. 5, 6, and 7 show examples of the display on the operation display unit 3 at the start of the operation, the withdrawal information, and the transfer information.

Hereinafter, as an example, the display of the withdrawal information is specified in advance as a display for 7 days from 5 days before the operation date of the automatic teller machine to 2 days after the operation date, and within 3 days after the withdrawal date as the transfer is possible. An example will be described below. When the user inserts a card or passbook into the automatic teller machine into the card slot 1 or the passbook slot 2 and selects the debit information acquisition key on the selection screen operation unit 4 as shown in FIG. The card or passbook handling unit 8 of the control unit reads personal information from the passbook or card inserted according to the instruction of the main control unit 5 and reports it to the main control unit 5. The main control unit 5 instructs the interface unit 9 to transmit the personal information of the card or passbook to the host computer. The personal information retrieval unit 12 of the host computer control unit that has received the personal information from the interface unit 9 debits the user based on the personal information received from the automatic teller machine from the pre-stored debit information storage unit 11. The information is retrieved and transmitted to the interface unit 9 of the automatic teller machine control unit.

The main control unit 5 of the automatic teller machine control unit comprises:
When a report is received from the interface unit 9 that has received the withdrawal information, an instruction to calculate the withdrawal information display date range data and the withdrawable range date data is sent to the transferable date calculation unit 6. The receivable date calculation unit 6 extracts display data from 5 days before the operation date to 3 days after the operation date, which has been set in advance, from the debit information received from the host computer, and debits within 3 days after the deduction date. The transfer-possible information is calculated yet, and is reported to the main control unit 5. The main control unit 5 issues an instruction for displaying the withdrawal information to the operation display unit 3 as in the example of the withdrawal information display in FIG. If there is transferable data, a display instruction is issued to the operation display unit 3 for an operation instruction of the transfer execution key. When there is transferable data in the data of the operation display unit 3, when the user presses the transfer execution key,
The operation unit 4 reports a key press to the main control unit 5. The main control unit 5 issues an instruction to transmit information to be transferred to the interface unit 9 to the host computer. The transfer information editing unit 13 of the host computer control unit that has received the transfer information for performing the transfer performs transfer code, transfer destination, and fee from the transfer instruction information received from the automatic teller machine and the transfer information storage unit 11 of the host computer. The host computer edits the information for performing the transfer, and transmits the transfer information to the interface unit 9 of the automatic teller machine. The main control unit 5 having received the data reception report from the interface unit 9 of the automatic teller machine control unit,
, An instruction to calculate the transfer amount is issued by a commission or the like. When receiving the transfer amount calculation end report from the amount counting unit 7, the main control unit 5 issues an instruction to display the transfer information as in the transfer information display example of FIG. Then, the operation display unit 3
When the user wants to perform the transfer operation based on the transfer information displayed in FIG. 7, the user presses the transfer key in the example of FIG. The transfer code designation, the transfer destination, and the transfer amount displayed in the example of FIG. In this way,
It enables a transfer operation without debit information.

[0015]

According to the present invention, when a user inserts a card or passbook with an automatic teller machine and presses a debit information acquisition key, the personal information withdrawal information data is displayed on the automatic teller machine. If the user wishes to make a transfer within the transferable date, the payment can be completed as a normal transfer transaction. Being able to operate with the automatic teller machine has the effect of reducing the labor of the user and improving the service to the user.

[Brief description of the drawings]

FIG. 1 is an external view of an automatic teller machine of one embodiment of the present invention.

FIG. 2 is a control block diagram of the automatic teller machine.

FIG. 3 is an example of a transfer control flowchart when no withdrawal is made;

FIG. 4 is an example of a control flow chart on the host computer side.

FIG. 5 is an example of a transaction type display on an operation display unit.

FIG. 6 is a display example of withdrawal information on the operation display unit.

FIG. 7 is a transfer information display example of the operation display unit.

[Explanation of symbols]

DESCRIPTION OF SYMBOLS 1 ... passbook insertion slot, 2 ... card insertion slot, 3 ... operation display part, 4 ... operation part, 5 ... main control part,
6: transferable date calculation unit, 7: amount counting unit,
8: Card or passbook reading unit, 9: Interface unit, 10: Banknote and coin deposit / withdrawal port, 11: Debit information storage unit, 1
2 ... Personal information search unit, 13 ... Transfer information editing unit, 14 ...
Bill or coin handling department.

Claims (1)

[Claims] 1. A card insertion slot for inserting a card, a passbook insertion slot for inserting and removing a passbook, a banknote and coin depositing and dispensing slot for inserting and removing banknotes and coins, and an operation unit for performing a key input operation by a user. An operation display unit for guiding the user to an operation procedure, etc., a means for storing debit information in advance and a means for retrieving personal information in the automatic teller machine connected to the center and the line, By providing a means for calculating the transferable date when the transfer has not been made, a means for detecting and confirming the transfer execution, and a means for editing the necessary information for the transfer, the transfer after the transfer date has not been made An automatic teller machine system characterized by performing processing and improving the convenience and service for the automatic teller machine user.