JPS6152510B2 - - Google Patents

Description

[Detailed Description of the Invention] The present invention relates to an automatic transfer method, and in particular, by key-inputting the transfer source, transfer destination, transfer amount, etc. using a card, the transfer is automatically transferred from the specified transfer source to the transfer destination. Regarding the automatic transfer method for

Recently, in response to demands for labor saving or speeding up banking operations, methods have been proposed in which automatic transfers or transfers are accomplished using cards.
In one typical example, customers may be able to initiate automatic transfer operations to transfer money from their savings account to their checking or card account.

In addition, it is necessary to make regular and frequent payments, such as rent, mortgage, newspaper, telephone, etc. However, in such a case, the transfer destination is not your own account but someone else's account.
Therefore, a transfer device that can transfer money from one's own account to another's account is desired, but if such a transfer device makes a mistake in the transfer destination, the subsequent processing is troublesome.

Therefore, the main object of the present invention is to provide an automatic transfer method that can achieve the above-mentioned needs and can quickly issue a print medium on which the details of the transfer are printed so that the details of the transfer can be confirmed.

To summarize the invention, in response to input of a transfer request for a specific account from the input means of the terminal device, transmitting the fact to the center,
A print medium on which the transfer amount is printed is issued, the center searches the center file based on the transfer request, and transmits data indicating whether the transfer is possible or not to the terminal device. In response to the transmission of data indicating that transfer is possible, the terminal device displays transfer amount data, and in response to confirmation by the user, transmits data representing a transfer instruction to the center. Furthermore, when a transfer cancellation command is given, the cancellation request is transmitted to the center and the print medium on which the transfer amount data is printed is collected.

The invention will be explained in more detail below along with embodiments shown in the drawings.

FIG. 1 is an external view showing an automatic transfer terminal device to which the present invention is applied. In its configuration, this terminal device 1 includes a keyboard. This keyboard includes a numeric keypad 2 and a function key 3 for inputting a password, account number, transfer amount, etc. This function key 3
As shown in detail on the right side of FIG. 1, there is a transfer source key 31 for identifying the transfer source, a transfer destination key 32 for specifying the transfer destination, and a transfer destination key 32 for canceling the transfer process. It includes a cancellation key 33 and a confirmation key 34 that is pressed when confirming the transfer process. Furthermore, this function key 3 includes a savings account key 35, a current account key 36, a general account key 37, and a transaction key for identifying the type of account of the transfer source or transfer destination, respectively. and a specific account key 38 indicating a specific account previously stored in the center file.

The terminal device 1 further includes a character display 4 for displaying information and amounts, for example.
and a card insertion slot 5 for inserting a bank card.
and a slip ejection port 6 for issuing a transaction statement slip.

FIG. 2 is a schematic block diagram of a terminal device to which the present invention is applied. In the configuration, terminal device 1
is the numeric keypad 2 and function key 3.
a keyboard including the character display 4, a display device 41 including the character display 4, a card reader 51 provided in relation to the card insertion port 5, and a printer 6 provided in relation to the slip ejection port 6.
1. The card reader 51, printer 61, display device 41, and keyboard are each connected to the control circuit 11. This control circuit 11 has a storage circuit 12 as a buffer memory. Furthermore, the output of the control circuit 11 is given to the terminal control device 7 via the transmission control device 13.
This terminal control device 7 is coupled to a center 8 via a data transmission line. Therefore, the terminal device 1
The data of the transfer request from is sent to the center 8 via the terminal control device 7. And this center 8
Then, the center file is searched based on this sent data, and data indicating whether the corresponding account exists or not, whether there is a balance, that is, whether transfer is possible, etc., is returned to the terminal device 1 via the terminal control device 7. do. In response, the terminal device 1 issues a transaction statement slip or displays that the transfer is not possible based on the returned data.

FIG. 3 is a diagram showing an example of the address of the buffer area of the memory circuit 12 and the format of the corresponding contents. That is, the account number of the inserted card is stored in address a0 of this buffer area, the PIN number entered by the customer for the card is stored in address a1, and address a
2 stores the account number of the transfer source, and the address a
3 stores the account number or account code of the transfer destination, and address A4 stores the transaction keys for the transfer source (savings account key 35, current account key 36,
Whether the general account key 37 or specific account key 38) was operated, input from the numeric keypad or card is stored as "1" or "0", and the transaction key for the transfer destination is stored in address a5. Or whether it is by numeric keypad, card, or code is stored as "1", "0", or "20", the transfer amount is stored in address a6, and the number of digits to be entered in case of numeric keypad input is stored in address a6. Store. The number of digits of this address a7 is used for detecting overflow and the like.

FIG. 4 is an example of a format showing the center file address and its corresponding contents. Address b of this center file stores the account number of the card, address b+1 stores the PIN registered for the card, address b+2 stores the customer's savings account number, and address b+1 stores the customer's savings account number. b+3 stores the customer's checking account number, and address b
+4 stores the customer's general account number (regular), address b+5 stores the customer's account number (regular), address b+6 stores the fixed deposit account number, and address b+7 stores the savings deposit. Account number is stored and address b+8
stores the tax reserve account number. The balances corresponding to the respective accounts are stored in each of these addresses b+2 to b+8.
Further address b+20,b of this center file
+21, b+22, . . . store a code indicating a specific account and its corresponding account number. The code for such a specific account (in this example, 10, 1
1, 12) is one feature of this invention. The code for such a specific account is stored in advance in the central file of the bank to which the bank makes regular bank transfers, and the code is keyed in at the time of bank transfer. Here, "x" in address b+x is an index qualifier.

FIGS. 5A to 5D are flowcharts for explaining the operation or operation of the present invention. The operation or operation will be explained below with reference to this flowchart.

Before explaining the operation, some of the routes from the transfer source to the transfer destination that can be transferred by this invention will be outlined. First, all accounts other than one's own card account, i.e. one's own savings account, current account, general account, other numeric-key entry accounts, or other people's numeric-key entry accounts, or coded accounts. This is the transfer route to a specific account. Furthermore, it is a route from one's own savings account, current account, and general account to one's own account and other people's accounts (including card accounts), and also from the account entered using the numeric keypad to one's own account and other people's accounts. This is the root of all accounts (including card accounts). That is, in this automatic transfer method, only transfers from one's own card account to one's own card account are prohibited. This is because it does not have any meaning, and if necessary, it may be made possible.

In operation, first, a card (not shown) is inserted into the card insertion slot 5 of the terminal device 1. depending on,
The terminal device 1 takes in the inserted card and reads the data written on the magnetic stripe by the card reader 51. Then, the account number of the card is stored at address a0 in the buffer area of the storage circuit 12. The control circuit 11 of the terminal device 1 determines whether the inserted card is a normal card based on the read data. If the card is normal, the password is then stored at address a1 in the buffer area of the memory circuit 12 using the numeric keypad 2. Then, the password is first read by the card reader 51 and compared with the password or the previously registered password (centre file address b+1). As a result, if the PIN numbers do not match, the control circuit 11 displays an error on the character display 4, and the card is The card inserted through the slot 5 is returned.

Further, if the card is normal and the password matches, the control circuit 11 displays the following guidance display I on the character display 4 (display device 41).

Information display I When transferring money from your card account, press the transfer destination key.

When transferring money from your savings account, press the transfer source key and then the savings account key. Also, when transferring money from a checking account or general account savings account, press the transfer source key and then press the current account key or general account key, respectively.

If you wish to make a transfer from your other account, please press the transfer source key and then press the account number in sequence on the numeric keypad. At that time, the account number will be displayed, so if it is correct, press the confirmation key,
If you make a mistake, press the Cancel key and try again.

Following such guidance display I, the fifth
The source of the transfer is identified or designated based on the routine shown in Figure B. Then, as shown in guidance display I,
If the transfer source is your own card account, transfer source key 3
Without pressing 1, the process goes straight to the routine for specifying the next transfer destination. In other cases, the transfer source key 31 is pressed. After pressing this transfer source key 31, own ordinary deposit account key 35, checking account key 3
6. Specify the transfer source using the general account key 37 or the numeric keypad 2.

Therefore, after performing the guidance display I, the control circuit 11 first determines whether the transfer source key 31 has been pressed. If the transfer source key 31 is not pressed, as explained earlier, in this case, the transfer source is the card account. If the transfer source key 31 is not pressed because the transfer source is a card account, then the control circuit 11 determines whether the transfer destination key 32 is pressed. If the transfer destination key 32 is pressed, the control circuit 11 displays the following guidance on the character display 4.

Information display To transfer money to your savings account, current account, or general account, press the savings account key, current account key, or general account key, respectively.

If you wish to transfer money to another account, please press the account number in sequence on the numeric keypad. The account value pressed at this time will be displayed. If it is incorrect, press the confirmation key. If it is incorrect, press the cancel key and try again.

If you have a specific account registered with your bank, press the specific account key and then press that code on the numeric keypad. At this time, the pressed code will be displayed, so if it is correct, press the confirmation key, and if it is incorrect, press the cancel key and try again.

If the transfer source key 31 is pressed, the control circuit 1
1 then determines which of the savings account key 35, current account key 36, general account key 37, or numeric keypad has been pressed. If the savings account key 35 is pressed, "2" is stored in the address a2 of the buffer area of the memory circuit 12, and if the current account key 36 is pressed, "3" is stored in this address a2. However, if the general account key 37 is pressed, "4" is stored in address a2. Address a2 like this
When the numerical value "2", "3" or "4" indicating a savings account, current account or general account is stored, the control circuit 11 subsequently writes 1 to address a4 of the buffer area. "1" in address a4 indicates that the transfer source is one's own savings account, current account, or general account. Note that "2" to "4" of the address a2 can be used as an index qualifier in the center file.

After the transfer source key 31 is pressed, keys 35 and 36 are pressed.
If none of 37 or 37 have been pressed, then it is determined whether numeric keypad 2 has been pressed. When the numeric keypad 2 is pressed, the control circuit 11
The address a2 of the buffer area of the memory circuit 12 is shifted to the left by one digit, and the input is stored in the least significant digit. At this time, the buffer area address a7
The number of digits is stored in , and the control circuit 11 looks at the number of digits and determines whether the number of digits is less than a predetermined value, which in this embodiment is nine digits. If the number of digits is within the predetermined value, it is checked again whether the numeric keypad 2 has been operated. Then, when the numeric keypad 2 is operated, the address a2 of the buffer area is again shifted to the left by one digit and stored in the least significant digit. Repeating this process completes the input of the transfer source account using the numeric keypad.

In the previous step for determining whether the number of digits is OK, if NO, that is, if a value of 9 or more digits is entered using the numeric keypad, the control circuit 11 displays an error on the character display 4 and then , address a of the buffer area of the memory circuit 12
2 and a4 are both cleared (“0”). Then, the process returns to the previous determination step of ``Ordinary account key 35?''.

If the transfer source data displayed on the character display 4 is correct, the confirmation key 34 is then pressed. Therefore, in the control circuit 11, if the confirmation key 34 is pressed, the next transfer destination is specified or designated, in the same way as when any of the previous keys 35, 36, and 37 is pressed. The following information will be displayed.

Information display When transferring money to your card account, please press the confirmation key.

To transfer savings to your savings account, current account, or general account, press the transfer destination key, then press the savings account key, current account key, or general account key, respectively.

To transfer money to another account, press the transfer destination key and then press the account number in sequence on the numeric keypad. The account number you pressed at this time will be displayed. If it is correct, press the confirmation key; if it is incorrect, press the cancel key and try again.

If you have a specific account registered with your bank, press the transfer destination key, then the specific account key, and then press the code for that specific account using the numeric keypad. The code pressed at this time will be displayed, so if it is incorrect, press the confirmation key, if it is incorrect, press the cancel key and try again.

Note that if the confirmation key 34 has not been pressed, then it is determined whether the cancel key 33 has been pressed. If the cancel key 33 is pressed, the memory circuit 1
2 buffer area addresses a2 and a4 are cleared. If the cancel key 33 has not been pressed, it is further determined whether the numeric keypad 2 has been pressed.

After the above-mentioned guidance is displayed, a routine for specifying the transfer destination is entered. At this time, if the transfer destination is a card account, the transfer destination key 32 is not pressed, as shown in the previous guidance display. Therefore, if the transfer destination key is not pressed, this indicates that the transfer destination is the user's own card account, and it is then determined whether the confirmation key 34 is operated. At this time, if the confirmation key 34 is not pressed, the process returns to the beginning of this processing routine again. Here, if the confirmation key 34 is turned on, a transfer processing routine to be described later is entered.

If the transfer destination key 32 is pressed, this transfer destination is
This may be one's own savings account, current account, general account, another person's specific account, or an account entered by one's own or another person's numeric keypad. Therefore, after the transfer destination key 32 is pressed, the savings account key 35 is pressed.
If is pressed, the control circuit 11 writes "2" to the address a3 of the buffer area of the memory circuit 12, and if the current account key 36 is pressed, the control circuit 11 writes "4" to the address a3. In this case, address a
When “2” or “4” is written to 3, control circuit 1
1 is then the address a of this buffer area.
Write “1” to 5. This address a5 is the third
As explained in the figure, if the transfer destination is your own savings account, checking account, or general account, write ``1'', otherwise write ``0'', and if it is a specific account with a code, write ``1''. I am trying to write "20".

When the transfer destination is other than a savings account, current account, or general account, first use the specific account key 3 that specifies the specific account stored in the center file in advance.
Determine whether 8 is pressed. When this specific account key 38 is pressed, the control circuit 11
is the address a of the buffer area of the memory circuit 12
Write “20” in 5. As explained earlier, this "20" is one of the features of this invention, and indicates that the transfer destination is a specific account registered in advance in the center file, and is used during center processing. Can be used as an index modifier. This specific account is, for example, 10,1 as shown in Figure 4.
This is a two-digit code such as 1, 12, etc. that is registered in the center file.

Furthermore, the user may specify his or her own account number (other than a savings account, current account, or general account) and another person's account number using the numeric keypad. At this time, the control circuit 11 controls the transfer destination key 3.
When the numeric keypad 2 is pressed after 2 is pressed, the address a3 of the buffer area of the memory circuit 11 is shifted to the left by one digit, and the numeric keystroke input is stored in the least significant digit. Then, the number of digits is written to address a7, and it is determined whether the number of digits is less than or equal to a predetermined value (9 digits). Then, it is determined whether the numeric keypad 2 has been operated again, and if the numeric keypad 2 has been operated, the previous routine is repeated.

At this time, if the determination of "Is the number of digits OK?" is NO, that is, if an overflow occurs, the control circuit 11 displays an error on the character display 4, and displays addresses a3 and a5 of the buffer area.
Both are cleared (“0”). Then, when the number of digits is within the predetermined value and the operation of numeric keypad 2 is completed,
Control circuit 11 then determines whether confirmation key 34 has been pressed.

If the confirmation key 34 is pressed, it is assumed that the designation of the transfer destination key according to this guidance display has been completed, and the transfer processing routine then begins.

If the confirmation key 34 is not pressed but the cancel key 33 is pressed, addresses a3 and a5 are cleared and a re-execution instruction is given, as in the case of the previous error. Even if the operation of the numeric keypad 2 is not completed, if neither the confirmation key 34 nor the cancel key 33 is turned on, the process returns to the step of determining whether or not the numeric keypad 2 has been operated. In this way, the transfer destination is identified or designated. After specifying the transfer destination, the control circuit 11 displays the character display 4.
The following guidance will be displayed for inputting the transfer amount.

Information display Please enter the transfer amount using the numeric keypad. The amount will be displayed next to it. If it is incorrect, press the confirmation key. If it is incorrect, press the confirmation key and try again.

When the guidance is displayed, the amount to be transferred is entered using the numeric keypad 2 in accordance with the guidance. Therefore, the control circuit 11 edits the data of the necessary addresses (a0, a2 to a6) in the buffer area of the storage circuit 12, and transmits the transfer request message to the center 8. The editing data at this time is the 6th
As shown in the figure. FIG. 6a shows data specifying the transfer source, and FIG. 6b shows data specifying the transfer destination. In other words, if addresses a2 and a4 are both "0", it indicates that the transfer source is a card account, and if address a2 is "2" to "4" and address a4 is "1", the transfer is made. Indicates whether the origin is a savings account, current account, or general account. If address a2 is a 9-digit number and address a4 is "0",
This indicates that the transfer source is the account entered using the numeric keypad 2.

Further, if addresses a3 and a5 of this buffer area are both "0", this indicates that the account is the user's own card account. In addition, if address a3 is either "2" to "4" and address a5 is "1", the transfer destination is one's own savings account, current account, or general account. Show that. and address a
3 is a 9-digit number and address a5 is "0"
In this case, it indicates that the transfer destination is the user's own account entered using the numeric keypad 2 or another person's account.
Furthermore, one feature of this invention is the address a.
3 is a 2-digit number and address a5 is "20"
If this is the case, it indicates that the transfer destination is a specific account registered in advance in the center file. The terminal device 1 edits such data and the transfer amount previously entered using the numeric keypad 2, and sends the edited data to the center 8 via the terminal control device 7. At the same time, the transaction details are printed by the printer 61 based on the transfer request data sent to the center 8.

At the center 8, depending on the data sent from the terminal device 1, for example, ``The account number entered using the numeric keypad 2'' or ``Savings account key 3'' is displayed.
5. Enter data such as "There is no account entered using the current account key 36 or general account key 37,""There is no corresponding specific account in the centafile," or "Insufficient balance for the transfer amount" to this terminal device 1. Send it back. The terminal device 1 receives such data from the center 8 and determines whether the corresponding account exists and whether the transfer is possible. If NO in either case, the control circuit 11 displays the character display 4.
(display device 41) to display an error,
First, the transaction details printed by the printer 61 are collected, the card is returned from the card insertion slot 5, and the buffer area of the memory circuit 12 is cleared to disable the transfer process.

If there is an applicable account and transfer is possible,
The control circuit 11 displays the following guidance display V on the character display 4 for confirmation.

Information display V Currently displaying the transfer destination, transfer source, and transfer amount. If it is correct, press the confirmation key; if it is incorrect, press the cancel key.

After the guidance display V is displayed, a confirmation operation is then performed. Therefore, the control circuit 11 also first determines whether the confirmation key 34 has been pressed. If the confirmation key 34 is pressed, the transfer request is valid, and a transfer instruction message is transmitted to the center 8 to make the transfer based on the previously sent data, and the transfer request is sent to the printer 61 first. The printed transaction details are then ejected from the slip ejection opening 6, the card is returned, and the buffer area of the memory circuit 12 is cleared to complete the transfer processing operation.

If the confirmation key 34 has not been pressed, then it is determined whether the cancel key 33 has been pressed. If the cancel key 33 is not pressed, it is further checked whether the confirmation key 34 is pressed. If the cancellation key 33 is pressed, this transfer is deemed to be a mistake, and a cancellation request message is transmitted to the center 8 to cancel the transfer based on the data sent earlier, and the transfer is sent to the printer 6.
The transaction details printed by step 1 are collected, the card is returned, and the buffer area is cleared to complete the operation.

Note that although the above-described embodiment does not specifically mention the search of the center file in the center 8, various methods can be easily considered for this purpose. Furthermore, the memory circuit 1 described in this embodiment
It goes without saying that the address and contents of the buffer area 2 or the address and contents of the center file are merely examples, and are not limited to this embodiment.

As described above, according to the present invention, it is possible to select one account from a plurality of one's own accounts as the transfer source account, and also to freely select and input the transfer destination account. , the degree of freedom in transfer processing is increased and customer service can be improved. Furthermore, the center is asked whether or not the transfer is possible, and if the transfer is possible, the transfer amount data is displayed, and if the display is confirmed, the transfer instruction is transmitted to the center, so the customer can decide where to make the transfer. This can reduce the risk of confusion. Also, since the transfer amount data is printed while processing at the center,
The time required for printing can be shortened, and the processing time can be shortened. Furthermore, when a transfer cancellation order is given,
Since the cancellation request is transmitted to the center and the printed medium on which the transfer amount data is printed is collected, customers will not be confused.

[Brief explanation of the drawing]

FIG. 1 is an external perspective view showing a terminal device to which the present invention is applied. FIG. 2 is a schematic block diagram showing a terminal device to which the present invention is applied. FIG. 3 is a diagram showing an example of the address of the buffer area of the memory circuit and the format of the corresponding contents. FIG. 4 is a diagram showing an example of a center file address and the format of the corresponding contents. FIGS. 5A to 5D are flowcharts for explaining the operation or operation of an embodiment of the present invention. FIG. 6 is a diagram showing an example of edited data from a terminal device. In the figure, 1 is a terminal device, 2 is a numeric keypad, and 3 is a terminal device.
4 is a function key, 4 is a character display, 5 is a card insertion slot, 6 is a slip ejection slot, 8 is a center, 11 is a control circuit, and 12 is a storage circuit.

Claims (1)

[Scope of Claims] 1. A terminal that inquires from a center as to whether or not a transfer can be made from one account to another and, before receiving a response as to whether or not the transfer is possible, uses a printing means to print a predetermined print regarding the transfer on a printing medium. An automatic transfer method equipped with a device, which includes a transfer specification means for specifying the transfer and the selection of the transfer source and transfer destination, and at least reading and inputting account number data from a card on which the account number data is recorded. a reading means for inputting account number data and transfer amount data; a data input means for inputting account number data and transfer amount data; and account number data of a transfer source and a transfer destination input by said data input means and said reading means; A storage means for storing amount data, a display means for displaying the transfer amount data, a confirmation means for operating when the user approves the display contents of the display means, and giving an instruction for canceling the transfer. A cancellation command means and a control means are provided in the terminal device, and the control means controls the transfer instruction after the reading means reads the account number data from the card and determines the validity of the card. Depending on the operation status of the means, the account number data read from the card and stored in the storage means or the account number data input from the input means and stored in the storage means is selected and the transfer source is transferred. In addition to these account number data, the account number data stored in the storage means is used as the account number data of the transfer destination, and the transfer amount data and the transfer source and transfer destination stored in the storage device are transmits the account number data to the center to inquire whether the transfer is possible, and in response to receiving a message from the center indicating that the transfer is possible, displays the transfer amount on the display means, and while the transfer amount is being displayed. In response to the operation of the confirmation means, data representing a transfer instruction is transmitted to the center and the printed printing medium is sent out, while the cancellation instruction means is operated while the transfer amount is being displayed. The automatic transfer method is characterized in that, in response to the cancellation, the center is notified of the cancellation and the print medium is collected.