CN101546459B - Bank transfer relay system - Google Patents
Bank transfer relay system Download PDFInfo
- Publication number
- CN101546459B CN101546459B CN 200810190519 CN200810190519A CN101546459B CN 101546459 B CN101546459 B CN 101546459B CN 200810190519 CN200810190519 CN 200810190519 CN 200810190519 A CN200810190519 A CN 200810190519A CN 101546459 B CN101546459 B CN 101546459B
- Authority
- CN
- China
- Prior art keywords
- account transfer
- confirmation
- account
- client
- unit
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Expired - Fee Related
Links
Images
Abstract
The present invention provides a bank transfer relay system. The invention is to simply procedure of guests when transfer receiver information is wrong by using ATM return transfer account arranged in such as convenience stores or once more transfer trust deed of wrong transfer receiver information is sent. As a solution, an ATM (1) confirms whether the guest is right one based on personal confirmation message read from the transfer trust deed if transfer to receiver bank is not executed successfully by a host (2), and returns account to guest based on personal confirmation message read from the transfer trust deed, or sends transfer trust deed to guest again based on again inputted transfer message.
Description
Technical field
The present invention relates to the bank transfer relay system that constitutes by automatic trading apparatus and POS terminal, be particularly related at bank account and change under the situation of cash the bank transfer relay system of the formality of the client when simplification account transfer take over party information is wrong over to the account transfer take over party.
Background technology
In the past, change under the situation of cash at bank account to the account transfer take over party, go to nearest bank's window, charge to account transfer take over party account, account transfer take over party name, transfer amount etc. on paper in the account transfer of regulation, submit to the staff of window, the formality of transferring accounts with the cash of this transfer amount.
And, in recent years,, change cash over to account transfer take over party's bank account for the personal computer that alleviates the affairs operation of bank's window, can utilize automatic trading apparatus such as the automatic cash deposit and withdrawal machine that is arranged in the bank etc. or be connected etc. with the Internet.
And, in order to improve the client's who carries out bank transfer convenience, also can utilize the multimedia terminal input account transfer take over party information that is arranged in the convenience store etc., to account transfer take over party's bank transfer accounts (for example with reference to patent documentation 1).
[patent documentation 1] TOHKEMY 2006-252377 communique (" 0022 " section～" 0030 " section, Fig. 3)
But, in above-mentioned prior art, be arranged on multimedia terminal in the shop such as convenience store etc. in utilization when account transfer take over party's bank transfers accounts, under the wrong situation of account transfer information such as the account transfer take over party's who is imported Bank Name, subbranch's title, account number and allottee's name, entrust the customer need of account transfer in shops such as bank or convenience store, to correct the formality of account transfer take over party information or the return of account transfer money, have the miscellaneous problem of formality.
Summary of the invention
Problem of the present invention is to address this is that.
Therefore, bank transfer relay system of the present invention is characterised in that this bank transfer relay system is provided with: operating unit, and it is by client's operation, accepts the input of the account transfer information of the account number that comprises account transfer take over party bank and transfer amount; My confirmation input block, my confirmation of its input client; The voucher issuance unit, its distribution account transfer certificate of entrustment, this account transfer certificate of entrustment is printed my confirmation and the account transfer information of being imported, this confirmation is my confirmation of the client that read by described my confirmation input block, and this client utilizes described operating unit to import the client of account transfer information; The voucher reading unit, it reads confirmation and the account transfer information in person that is printed on the account transfer certificate of entrustment; The unit of withdrawing the money, it takes out cash; And the unit is accepted in the account transfer trust, it reads the account transfer information that is printed on the account transfer certificate of entrustment of receiving from client, the notice that the account transfer that sends this account transfer information and entrust the account to account transfer take over party bank to transfer accounts to the account transfer processing unit is handled, described account transfer processing unit fail under the situation that the account of account transfer take over party bank transfers accounts, read client's confirmation in person by described my confirmation input block, this client makes described voucher reading unit read the client of account transfer certificate of entrustment, after my confirmation that reads from the account transfer certificate of entrustment according to this confirmation and described voucher reading unit confirmed that client is me, the account transfer money was returned to this client in the described unit of withdrawing the money.
And bank transfer relay system is characterised in that this bank transfer relay system is provided with: operating unit, and it is by client's operation, accepts the input of the account transfer information of the account number that comprises account transfer take over party bank and transfer amount; My confirmation input block, my confirmation of its input client; The voucher issuance unit, its distribution account transfer certificate of entrustment, this account transfer certificate of entrustment is printed my confirmation and the account transfer information of being imported, this confirmation is my confirmation of the client that read by described my confirmation input block, and this client utilizes described operating unit to import the client of account transfer information; The voucher reading unit, it reads confirmation and the account transfer information in person that is printed on the account transfer certificate of entrustment; The unit of withdrawing the money, it takes out cash; And the unit is accepted in the account transfer trust, it reads the account transfer information that is printed on the account transfer certificate of entrustment of receiving from client, the notice that the account transfer that sends this account transfer information and entrust the account to account transfer take over party bank to transfer accounts to the account transfer processing unit is handled, described account transfer processing unit fail under the situation that the account of account transfer take over party bank transfers accounts, read client's confirmation in person by described my confirmation input block, this client makes described voucher reading unit read the client of account transfer certificate of entrustment, after my confirmation that reads from the account transfer certificate of entrustment according to this confirmation and described voucher reading unit confirms that client is me, according to the account transfer information of importing once more by described operating unit, issue the certificate of entrustment of transferring accounts once more to this client.
Such the present invention can utilize the automatic trading apparatus in the shops such as being arranged on convenience store to return the certificate of entrustment of account transfer once more that wrong account transfer take over party information has been corrected in account transfer money or distribution, and acquisition can be simplified the effect of the client of account transfer take over party information when wrong formality.
Description of drawings
Fig. 1 is the block diagram of structure that the bank transfer relay system of embodiment is shown.
Fig. 2 is the outward appearance key diagram of the ATM of embodiment.
Fig. 3 is the block diagram of structure that the ATM of embodiment is shown.
Fig. 4 is the process flow diagram that the account transfer relay process of embodiment is shown.
Fig. 5 is the process flow diagram that the cash reimbursement processing of embodiment is shown.
Fig. 6 is the process flow diagram that the processing of account transfer once more of embodiment is shown.
Fig. 7 is the key diagram of the account transfer certificate of entrustment of embodiment.
Fig. 8 is the key diagram of the certificate of entrustment of transferring accounts once more of embodiment.
Embodiment
Below, with reference to the embodiment of description of drawings bank transfer relay system of the present invention.
Fig. 1 is the block diagram of structure that the bank transfer relay system of embodiment is shown.
In Fig. 1, the 1st, accept the ATM (automatic trading apparatus) of the account transfer receiving bank of cash account transfer according to client's trust, it is arranged in the convenience store etc.This ATM 1 is connected with communication line 3 in the mode that can communicate by letter, accept the insertion of card (cash card) of the magnetic stripe that has account informations such as the subbranch number that writing down the account that client offers in financial institution, the item of accounts, account number or IC chip and client's input operation, carry out transaction such as cash withdrawal, and, accept the input of the information of importing by client's operation relevant, the distribution of the certificate of entrustment of transferring accounts with the account transfer take over party.In addition, the structure of ATM 1 is narrated in the back.
The 2nd, as the principal computer of account transfer processing unit, it is arranged in the affairs center etc. of account transfer receiving bank, has the control part as computing and control module such as CPU (Central Processing Unit, CPU (central processing unit)); Disk, semiconductor memory etc. are as the storage part of storage unit; And as the Department of Communication Force of communication unit etc., be the computing machine that waits other devices to connect via communication line 3 and ATM 1 in the mode that can intercom mutually.
Carry out the transmitting-receiving of transaction texts such as cash withdrawal between this principal computer 2 and the ATM 1, judge whether client's transaction sets up, and carry out the processing of this transaction, and, receive account transfer from POS terminal described later and entrust text, carry out that this account transfer is handled etc.
In the present embodiment, situation about being arranged in the account transfer receiving bank that the account transfer of accepting client entrusts as ATM 1 and principal computer 2 describes.
The 4th, entrust POS (the Point Of Sales) terminal accept the unit as account transfer, it is arranged in the shop such as convenience store.This POS terminal 4 is to read the bar code of the account transfer certificate of entrustment that brings by ATM 1 distribution and by client, calculate and comprise the Transferred Account Procedure expense in interior transfer amount and take in the device of this account transfer money etc., and it has computing and the control module of CPU etc.; Storage unit such as disk, semiconductor memory; Input block such as bar code reader, keyboard; Display units such as LCD; Print units such as printer; Take in the drawer of cash; And with other devices that are connected via communication line 3 between carry out the communication unit etc. of information transmit-receive.
In addition, in the present embodiment, ATM 1 and POS terminal 4 are arranged in the shops such as convenience store in conduct account transfer relay implementation shop.In addition, a shop is not represented in account transfer relay implementation shop, and expression is provided with a plurality of shops of this bank transfer relay system.
The 5th, the account transfer Relay Server, it is arranged in the our department etc. in account transfer relay implementation shop (convenience store etc.), has the control part as computing and control module such as CPU, MPU; Disk, semiconductor memory etc. are as the storage part of storage unit; And as the Department of Communication Force of communication unit etc., be the computing machine that waits other devices to be connected via communication line 3 and POS terminal 4 and principal computer 2 in the mode that can intercom mutually.
The 6th, not with the principal computer of the account transfer take over party bank that cooperate of account transfer receiving bank, according to the account transfer certificate of entrustment of issuing by ATM 1 processing of transferring accounts.In addition, directly do not communicate between the principal computer 2 of this principal computer 6 and account transfer receiving bank, so, be not connected in logic with communication line 3.Therefore, the staff of account transfer take over party bank utilizes not shown end device to import the operation of account transfer information according to the account transfer certificate of entrustment of account transfer receiving bank distribution, and principal computer 6 is according to the processing of transferring accounts of this account transfer information.
In addition, also has following method: adopt the unified data layout (so-called total account transfer form) that a plurality of account transfers are handled that carries out in convenience store's side, send the data to bank, bank's side entrusts bill to carry out the method (not generating the method for account transfer text based on manual input) of collation process to these data with from the account transfer that convenience store accepts once more, perhaps, read bar code and according to its information generate automatically the account transfer text method.
Like this, bank transfer relay system is made of the POS terminal in the ATM 1 and the principal computer 2 of account transfer receiving bank, the relay implementation shop of transferring accounts, the Relay Server 5 of transferring accounts etc., accepts the account transfer relay process that changes the account transfer trust of cash to the account of account transfer take over party bank over to.
Then, according to the block diagram of the structure of the ATM that embodiment is shown of the outward appearance key diagram of the ATM of the embodiment of Fig. 2 and Fig. 3, the structure of ATM 1 is described.
In Fig. 2 and Fig. 3, the 11st, the client operating display part is made of display parts (display unit) such as operating portions such as touch panel (operating unit) and LCD.This client operating display part 11 disposes touch panel on display parts such as CRT monitor or LCD, carry out input operation etc. for client, and, show the picture of picture is selected in transaction, transaction that client is selected shows direct customers input operation etc. and the information of being imported etc.
The 12nd, the voucher portion as voucher issuance unit and voucher reading unit has reading mechanisms such as voucher printing mechanism, voucher conveying mechanism and bar code reader etc.The account transfer take over party bank that utilizes client operating display part 11 to import, the account transfer take over party information such as take over party's account number, transfer amount of transferring accounts can be printed by this voucher portion 12, and insert the voucher of escape hole 121 distribution as the certificates of entrustment of transferring accounts from voucher.
And voucher portion 12 can be at the bar code of printing on the voucher after account transfer take over party's information and the client's that read by Biont information reading part described later Biont information encoded.
And then voucher portion 12 can read in the bar code of printing on the voucher that is inserted in the voucher insertion escape hole 121.
In addition, voucher portion 12 also can constitute, and can read not to be inserted into voucher and to insert in the escape hole 121 but lift voucher and insert the bar code of printing on the voucher before the escape hole 121.
The 13rd, the portion that deposits and withdraws as the deposit unit or the unit of withdrawing the money is made of bill depositing/dispensing apparatus and coin automatic teller machine.This portion 13 that deposits and withdraws follows the processing of depositing and withdrawing of the currency or coin of cash withdrawal transaction or spot assets transaction.Here, deposit is handled and is meant, utilizes bill depositing/dispensing apparatus that the bank note that client puts into cash-access money mouth 131 is counted, and it is accommodated in the national treasury, utilize the coin automatic teller machine that the coin of putting into cash-access money mouth 131 is counted, and it is accommodated in the national treasury.And, withdraw the money to handle and be meant, from the national treasury of bill depositing/dispensing apparatus and coin automatic teller machine, send respectively and the specified suitable currency and coins of the amount of money of operation that passes through client, and it is counted, be transported in the cash-access money mouth 131 to customer payment.
In addition, in the present embodiment, the portion of depositing and withdrawing that handles as depositing and withdrawing is illustrated, and still, also can constitute the withdraw the money portion that withdraws the money of unit of the conduct of not carrying out depositing processing.
The 14th, as the Biont information reading part of my confirmation input block, by the finger scan of the vein pattern of the fingerprint that is used to read client, finger and formations such as camera with CCD (Charge Coupled Devices, charge-coupled image sensor) of the images such as iris that are used to obtain client.This Biont information reading part 14 utilizes finger scan, camera etc. to obtain the various Biont informations such as vein pattern of client's iris, fingerprint, finger, notifies this Biont information to control part described later.
The 15th, storage part is made of semiconductor memory or disk etc., can canned data and read institute's canned data.The control program (software) that storage is controlled the action of ATM 1 integral body in this storage part 15, be presented at the needed information of transaction that picture data on the client operating display part 11 and client carry out etc.
And, the Biont information that storage part 15 storage Biont information reading parts 14 read, the various information that client operating display part 11 is accepted input.
The 16th, control part is made of computings such as CPU, MPU and control module etc.This control part 16 comprises client operating display part 11, voucher portion 12, the portion 13 that deposits and withdraws, Biont information reading part 14, storage part 15 and via the not shown Department of Communication Force that communicates between communication line 3 and the principal computer 2 etc., and this control part 16 is controlled the action of ATM 1 integral body according to the control program (software) that is stored in the storage part 15.
In addition, ATM 1 has the not shown card-reading part of account informations such as the subbranch number that reads the account from inserted the card that escape hole inserts by card, the item of accounts, account number.
The effect of said structure is described.
In addition, according to the program (software) that is stored in the storage unit such as not shown storer or disk, the various action of following explanation is controlled by not shown control modules such as central processing unit.
At first, the step according to shown in the S in the process flow diagram of the account transfer relay process that embodiment is shown of Fig. 4 illustrates the account transfer relay process that bank transfer relay system is carried out.
In the present embodiment, be made as the account who offers account transfer relay implementation shop in account transfer receiving bank, between this account transfer receiving bank and account transfer relay implementation shop, sign the contract that has the account transfer harvesting money of permission from the account in account transfer relay implementation shop to transfer accounts to account transfer take over party bank.
And, establish client the account of the account transfer take over party bank of payee's appointment transferred accounts, and utilize the ATM 1 that is arranged in the account transfer relay implementation shop to carry out this Transferred Account Procedure.
S1: by client's operation, the client operating display part 11 of ATM 1 is accepted and is presented at the transaction that is used for option dealing and selects the pressing of " request of transfer " transaction selector button on the picture, then, accept the input of account transfer information such as account transfer take over party Bank Name, subbranch's title, account payee name, account payee project, account payee number, account transfer clientage name, transfer amount, clientage's emergency interconnection mode, clientage address.
And ATM 1 utilizes Biont information reading part 14 to read to be used to the Biont information that carries out the client that I confirm.In addition, in the present embodiment, illustrated Biont information, still, also can utilize client operating display part 11 input passwords etc. as my confirmation as the situation that is used to carry out the information that I confirm.
S2:ATM 1 issues the account transfer certificate of entrustment of having printed bar code of obtaining after the account transfer information imported and Biont information encoded etc. to client.This account transfer certificate of entrustment as shown in Figure 7, for example be split into " bank's counterfoil ", " shop counterfoil ", " clientage's counterfoil " this three part, having printed the bar code that obtains after account transfer information and Biont information encoded on each scraps of paper, print account transfer information with mode word simultaneously.
S3: client will be submitted to the salesman in account transfer relay implementation shop by the account transfer certificate of entrustment of ATM 1 distribution, the account transfer certificate of entrustment that the salesman utilizes POS terminal 4 to read to receive.
By this salesman's operation, POS terminal 4 utilizes bar code reader to read the bar code of account transfer certificate of entrustment, with the account transfer information stores that read in storage unit.
S4:POS terminal 4 is extracted transfer amount from the bar code that is read, showing the amount of money that obtains after this transfer amount and service charge added up on the display unit, and the salesman collects the cash suitable with this Amount in Total from client.By salesman's operation, POS terminal 4 is taken in client and is entrusted the cash that deposits in.
At this moment, the salesman collects " bank's counterfoil " and " shop counterfoil " of the account transfer certificate of entrustment of receiving from client, severs " clientage's counterfoil " and gives client with it, and that finishes that account transfer entrusts accepting.
S5:POS terminal 4 sends the account transfer information that is stored in the storage unit to account transfer Relay Server 5.
S6: the account transfer information stores that account transfer Relay Server 5 will receive is in storage unit.
S7: accepting from every day of the account transfer information that reads of account transfer certificate of entrustment, POS terminal 4 generates the account transfer that the total of accepting number of packages, transfer amount, the total of service charge etc. have been carried out accumulative total and entrusts and accept guide look, sends this account transfer trust to the our department in account transfer relay implementation shop and accepts guide look.In addition, the salesman who accepts the account transfer relay implementation shop that account transfer entrusts " the shop counterfoil " of severing the account transfer certificate of entrustment of collecting from client taken care of.And in the every day of " the bank's counterfoil " of having accepted the account transfer certificate of entrustment, the our department that gathers to account transfer relay implementation shop sends.
S8: the operator of the our department in account transfer relay implementation shop operates the bar code reader of not shown terminal etc., read the account transfer information of bar code of " the shop counterfoil " of the account transfer certificate of entrustment that sends, in the every day of accepting account transfer information, in account transfer Relay Server 5, should transfer accounts information stores in storage unit.Whether account transfer Relay Server 5 carries out following collation process: check to the account transfer information that receives with from the account transfer information that the account transfer certificate of entrustment reads, confirm not have and not enough (that is, confirm consistent).
The account transfer Relay Server 5 that has carried out collation process sends the notice of entrusting this account transfer with the account transfer information that receives from POS terminal 4 to principal computer 2.And " bank's counterfoil " of voucher and account transfer certificate of entrustment entrusted in the account transfer of operator after account transfer receiving bank sends being checked processing of the our department in account transfer relay implementation shop.
In addition, account transfer Relay Server 5 also can be set, and in account transfer relay implementation shop, carry out collation process.
S9: principal computer 2 is according to the account transfer information that receives, to the processing of transferring accounts of account transfer take over party bank.In addition, the Amount in Total of transfer amount and service charge is drawn away by account transfer receiving bank as the account transfer money from the account in account transfer relay implementation shop.
Account transfer receiving bank entrusts voucher to the Amount in Total of account transfer take over party's bank's transmission and transfer amount and service charge suitable cash (account transfer money) and account transfer, entrusts account transfer to handle.
Like this, the bank transfer relay system relay process of transferring accounts utilizes the ATM of account transfer receiving bank to transfer accounts.
In the S9 of above-mentioned account transfer relay process, the principal computer 2 of account transfer receiving bank fail according to the account transfer information that receives under situation about handling is transferred accounts by account transfer take over party bank (situation or the wrong situation of allottee's name that for example do not have corresponding account transfer take over party account), return prepaid cash to the client who has entrusted account transfer, perhaps issue the certificate of entrustment of transferring accounts once more.
Step shown in the S in the process flow diagram of handling according to the cash reimbursement that embodiment is shown of Fig. 5 illustrates that this cash reimbursement handles.
S21: the client who receives the contact of the meaning that expression transfers accounts with failing from account transfer take over party bank holds " client's counterfoil " of account transfer certificate of entrustment, the shop of going to the relaying of can implementing to transfer accounts is not (even be can in the shop that is provided with the ATM 1 of distribution account transfer certificate of entrustment yet, in other shops that import this bank transfer relay system, also can carry out cash reimbursement and handle).
Operation by client, the client operating display part 11 of ATM 1 is accepted and is presented at the transaction that is used for option dealing and selects the pressing of " the harvesting money is returned " transaction selector button on the picture, then, accept the account transfer certificate of entrustment insertion (bar code read or certificate of entrustment shown in Figure 7 on the input of the management number printed).The voucher portion 12 of ATM 1 reads account transfer information and Biont information from the bar code of the account transfer certificate of entrustment that inserted, should account transfer information and Biont information be stored in the storage part 15.
S22:ATM 1 utilizes Biont information reading part 14 to read client's Biont information as my confirmation, and this Biont information and the Biont information that is stored in the storage part 15 are checked, carry out client and whether be my I confirm.
In addition, imported under the situation that is printed on the management number on the certificate of entrustment utilizing client operating display part 11, can also utilize as the client operating display part 11 input passwords of my confirmation input block etc. as my confirmation, to this password be stored in advance as the password in the database of the storage unit of principal computer 2 and check, carry out me and confirm.
S23: confirming client is this man-hour, and ATM 1 sends the account transfer information that reads and entrusts the request of returning the account transfer money to principal computer 2 from the account transfer certificate of entrustment.
S24: principal computer 2 judges whether be the account transfer information of transferring accounts and handling to account transfer take over party bank with failing, promptly judge and could return the account transfer money according to the account transfer information that receives.Here, principal computer 2 number is retrieved not shown database according to the account transfer management of information, judges whether be the account transfer of transferring accounts and handling to account transfer take over party bank with failing.
S25: principal computer 2 sends the result of determination that could return the account transfer money to ATM 1.
S26: receive expression at ATM 1 and can return under the situation of notice of the account transfer money meaning, the portion that deposits and withdraws 13 of ATM 1 takes out and is recorded in the transfer amount in the account transfer information and the suitable cash of Amount in Total of service charge, and returns cash to client.On the other hand, cannot return under the situation of notice of the meaning receiving expression, client operating display part 11 shows the meaning that expression can't be returned the cash of being received and kept, and notifies to client.
Then, the step according to shown in the S in the process flow diagram of handling of transferring accounts once more that embodiment is shown of Fig. 6 illustrates the processing when certificate of entrustment is transferred accounts in distribution once more.
S31: receive expression fail the to transfer accounts client of contact of the meaning from account transfer take over party bank and hold " client's counterfoil " of account transfer certificate of entrustment, go to the shop of the relaying of can implementing to transfer accounts.
By client's operation, the client operating display part 11 of ATM 1 is accepted and is presented at the transaction that is used for option dealing and selects the pressing of " request of transfer once more " transaction selector button on the picture, and then, accepts the insertion of account transfer certificate of entrustment.The voucher portion 12 of ATM 1 reads account transfer information and Biont information from the bar code of the account transfer certificate of entrustment that inserted, should account transfer information and Biont information be stored in the storage part 15.
S32:ATM 1 utilizes Biont information reading part 14 to read Biont information as the client of my information, and this Biont information and the Biont information that is stored in the storage part 15 are checked, carry out client and whether be my I confirm.
Here, also can be with the account transfer information that from the account transfer certificate of entrustment, reads, ATM 1 also sends the request of confirming whether this account transfer information fails and transfer accounts and handle of entrusting to principal computer 2, principal computer 2 judges whether be the account transfer information of transferring accounts and handling to account transfer take over party bank with failing according to the account transfer information that receives.
S33: confirming client is this man-hour, and ATM 1 shows on client operating display part 11 according to the account transfer information that reads the certificate of entrustment from account transfer transfer accounts the account transfer take over party Bank Name handled, subbranch's title, account payee name, account payee project, account payee number, account transfer clientage name, transfer amount, clientage's emergency interconnection mode, clientage address etc. with failing.
Client confirms shown account transfer information, at existing wrong account transfer take over party Bank Name, subbranch's title, account payee name, account payee project, account payee number etc. to import once more, client operating display part 11 is accepted the input of the account transfer information that is used to transfer accounts once more.
S34:ATM 1 issues the certificate of entrustment of account transfer once more of having printed bar code of obtaining after the account transfer information imported and Biont information encoded etc. to client.This transfers accounts certificate of entrustment as shown in Figure 8 once more, for example be split into " bank's counterfoil ", " shop counterfoil ", " clientage's counterfoil " this three part, on each scraps of paper, the bar code that printing obtains after having pair account transfer information and Biont information to encode is printed the information of transferring accounts once more in the mode of literal simultaneously.
S35: client will be submitted to the salesman in account transfer relay implementation shop by the certificate of entrustment of transferring accounts once more of ATM 1 distribution, the certificate of entrustment of account transfer once more that the salesman utilizes POS terminal 4 to read to receive.
By this salesman's operation, POS terminal 4 utilizes bar code reader to read the bar code of the certificate of entrustment of transferring accounts once more, with the account transfer information stores that read in storage unit.
S36: the salesman collects " bank's counterfoil " and " shop counterfoil " of the account transfer certificate of entrustment of receiving from client, severs " clientage's counterfoil " and gives client with it, and that finishes that account transfer entrusts accepting.
In the present embodiment, illustrated that transfer amount does not have the situation of change, but, under the situation that has changed transfer amount, POS terminal 4 is extracted transfer amount from the bar code that is read, showing the amount of money that obtains after this transfer amount and service charge added up on the display unit, receive the cash suitable between salesman and the client with difference, this difference is the difference between the transfer amount of this Amount in Total and last time.
S37～S41: identical with S5～S9 of Fig. 4, so omit its explanation.
The bank transfer relay system processing of transferring accounts so once more.
In addition, in the present embodiment, in the account transfer relay process, the principal computer 2 of account transfer receiving bank confirms whether there is account transfer take over party account (S9) according to the account transfer information that receives, but, also can be when ATM 1 accepts the input of account transfer information (S1), check in the not shown database of having registered account transfer take over party account in advance, whether exist account transfer take over party account (and, except the database registration, as prior art, also have and integration ATM ways of connecting.Whether this mode is installed (some uninstalled financial institution) in most financial institution, be to be the mode of correct combination as the account number of account transfer information object, account's name to the inquiry of account transfer take over party bank in advance).So, can reduce the number of packages that fails and transfer accounts, can reduce business and the operation of client, account transfer receiving bank and account transfer take over party bank about the account transfer that fails.
In addition, when ATM 1 accepts the input of account transfer information by client's operation (S1), also can issue account transfer clientage name, transfer amount, clientage's emergency interconnection mode, the clientage address that to be imported and be recorded in transferred account card in magnetic stripe etc.Client can omit the input operation in account transfer clientage name, transfer amount, clientage's emergency interconnection mode, clientage address by utilizing the transferred account card of being issued.In addition, among the ATM 1 of the account transfer receiving bank in the shop beyond being arranged on account transfer relay implementation shop, also can use this transferred account card.
In addition, also can use the personal computer that is connected with the WEB server that generates bar code via the Internet etc. etc., the bar code that generation is encoded and obtained account transfer information utilizes ATM 1 to read this bar code.Thus, can be omitted in input account transfer information among the ATM 1.
In addition, entrust the client of account transfer need not be provided with the account in account transfer receiving bank, and, even do not go to bank can transfer accounts yet.
As described above, in the present embodiment, be arranged on cash ATM in the shop such as convenience store in utilization when account transfer take over party's bank transfers accounts, under the wrong situation of account transfer information such as the account transfer take over party's who is imported Bank Name, subbranch's title, account number and allottee's name, corrected the certificate of entrustment of account transfer once more of wrong account transfer take over party information by ATM return account transfer money or distribution, thus, acquisition can be simplified the effect of the client of account transfer take over party information when wrong formality.
Claims (18)
1. a bank transfer relay system is characterized in that, this bank transfer relay system is provided with:
Operating unit, it is by client's operation, accepts the input of the account transfer information of the account number that comprises account transfer take over party bank and transfer amount;
My confirmation input block, my confirmation of its input client;
The voucher issuance unit, its distribution account transfer certificate of entrustment, this account transfer certificate of entrustment is printed my confirmation and the account transfer information of being imported, this confirmation is my confirmation of the client that read by described my confirmation input block, and this client utilizes described operating unit to import the client of account transfer information;
The voucher reading unit, it reads confirmation and the account transfer information in person that is printed on the account transfer certificate of entrustment;
The unit of withdrawing the money, it takes out cash; And
Account transfer is entrusted and to be accepted the unit, and it reads the account transfer information that is printed on the account transfer certificate of entrustment of receiving from client, the notice that the account transfer that sends this account transfer information and entrust the account to account transfer take over party bank to transfer accounts to the account transfer processing unit is handled,
Described account transfer processing unit fail under the situation that the account of account transfer take over party bank transfers accounts, read client's confirmation in person by described my confirmation input block, wherein, this client makes described voucher reading unit read the client of account transfer certificate of entrustment, after my confirmation that reads from the account transfer certificate of entrustment according to this confirmation and described voucher reading unit confirmed that client is me, the account transfer money was returned to this client in the described unit of withdrawing the money.
2. bank transfer relay system according to claim 1 is characterized in that,
Automatic trading apparatus has described operating unit, described confirmation input block, described voucher issuance unit, described voucher reading unit and the described unit of withdrawing the money in person,
The POS terminal has described account transfer trust and accepts the unit.
3. a bank transfer relay system is characterized in that, this bank transfer relay system is provided with:
Operating unit, it is by client's operation, accepts the input of the account transfer information of the account number that comprises account transfer take over party bank and transfer amount;
My confirmation input block, my confirmation of its input client;
The voucher issuance unit, its distribution account transfer certificate of entrustment, this account transfer certificate of entrustment is printed my confirmation and the account transfer information of being imported, this confirmation is my confirmation of the client that read by described my confirmation input block, and this client utilizes described operating unit to import the client of account transfer information;
The voucher reading unit, it reads confirmation and the account transfer information in person that is printed on the account transfer certificate of entrustment; And
Account transfer is entrusted and to be accepted the unit, and it reads the account transfer information that is printed on the account transfer certificate of entrustment of receiving from client, the notice that the account transfer that sends this account transfer information and entrust the account to account transfer take over party bank to transfer accounts to the account transfer processing unit is handled,
Described account transfer processing unit fail under the situation that the account of account transfer take over party bank transfers accounts, read client's confirmation in person by described my confirmation input block, wherein, this client makes described voucher reading unit read the client of account transfer certificate of entrustment, after my confirmation that reads from the account transfer certificate of entrustment according to this confirmation and described voucher reading unit confirms that client is me, according to the account transfer information of importing once more by described operating unit, issue the certificate of entrustment of transferring accounts once more to this client.
4. bank transfer relay system according to claim 3 is characterized in that,
Automatic trading apparatus has described operating unit, described confirmation input block, described voucher issuance unit and described voucher reading unit in person,
The POS terminal has described account transfer trust and accepts the unit.
5. according to each described bank transfer relay system in the claim 1～4, it is characterized in that,
Described my confirmation is a Biont information.
6. according to each described bank transfer relay system in the claim 1～4, it is characterized in that,
The form of the bar code that described voucher issuance unit obtains so that my confirmation and account transfer information are encoded is printed on described my confirmation and account transfer information on the account transfer certificate of entrustment.
7. a bank transfer relay system is characterized in that, this bank transfer relay system is provided with:
Operating unit, it is by client's operation, accepts the input of the account transfer information of the account number that comprises account transfer take over party bank and transfer amount;
Voucher issuance unit, its distribution account transfer certificate of entrustment, this account transfer certificate of entrustment print have by the account transfer information of described operating unit input be used to discern this account transfer management of information number;
My confirmation input block, it accepts the input of described management number and client's my confirmation;
The unit of withdrawing the money, it takes out cash; And
Account transfer is entrusted and to be accepted the unit, and it reads the account transfer information that is printed on the account transfer certificate of entrustment of receiving from client, the notice that the account transfer that sends this account transfer information and entrust the account to account transfer take over party bank to transfer accounts to the account transfer processing unit is handled,
Described account transfer processing unit fail under the situation that the account of account transfer take over party bank transfers accounts, accept the input of management number and my confirmation by described my confirmation input block, according to being stored in advance explicitly after my confirmation in the storage unit confirms that client is me with this confirmation and described management number, the account transfer money is returned to this client in the described unit of withdrawing the money.
8. bank transfer relay system according to claim 7 is characterized in that,
Automatic trading apparatus has described operating unit, described voucher issuance unit, described confirmation input block and the described unit of withdrawing the money in person,
The POS terminal has described account transfer trust and accepts the unit.
9. a bank transfer relay system is characterized in that, this bank transfer relay system is provided with:
Operating unit, it is by client's operation, accepts the input of the account transfer information of the account number that comprises account transfer take over party bank and transfer amount;
Voucher issuance unit, its distribution account transfer certificate of entrustment, this account transfer certificate of entrustment print have by the account transfer information of described operating unit input be used to discern this account transfer management of information number;
My confirmation input block, it accepts the input of described management number and client's my confirmation; And
Account transfer is entrusted and to be accepted the unit, and it reads the account transfer information that is printed on the account transfer certificate of entrustment of receiving from client, the notice that the account transfer that sends this account transfer information and entrust the account to account transfer take over party bank to transfer accounts to the account transfer processing unit is handled,
Described account transfer processing unit fail under the situation that the account of account transfer take over party bank transfers accounts, accept the input of management number and my confirmation by described my confirmation input block, according to being stored in advance explicitly after my confirmation in the storage unit confirms that client is me with this confirmation and described management number, according to the account transfer information of importing once more by described operating unit, issue the certificate of entrustment of transferring accounts once more to this client.
10. bank transfer relay system according to claim 9 is characterized in that,
Automatic trading apparatus has described operating unit, described voucher issuance unit and described confirmation input block in person,
The POS terminal has described account transfer trust and accepts the unit.
11. according to each described bank transfer relay system in the claim 7～10, it is characterized in that,
The form of the bar code that described voucher issuance unit obtains so that account transfer information is encoded is printed on described account transfer information on the account transfer certificate of entrustment.
12. an automatic trading apparatus is characterized in that, this automatic trading apparatus is provided with:
Operating unit, it is by client's operation, accepts the input of the account transfer information of the account number that comprises account transfer take over party bank and transfer amount;
My confirmation input block, my confirmation of its input client;
The voucher issuance unit, its distribution account transfer certificate of entrustment, this account transfer certificate of entrustment is printed my confirmation and the account transfer information of being imported, this confirmation is my confirmation of the client that read by described my confirmation input block, and this client utilizes described operating unit to import the client of account transfer information;
The voucher reading unit, it reads confirmation and the account transfer information in person that is printed on the account transfer certificate of entrustment; And
The unit of withdrawing the money, it takes out cash,
Failing according to described account transfer information successfully under the situation that the account of account transfer take over party bank transfers accounts, read client's confirmation in person by described my confirmation input block, this client makes described voucher reading unit read the client of account transfer certificate of entrustment, after my confirmation that reads from the account transfer certificate of entrustment according to this confirmation and described voucher reading unit confirmed that client is me, the account transfer money was returned to this client in the described unit of withdrawing the money.
13. an automatic trading apparatus is characterized in that, this automatic trading apparatus is provided with:
Operating unit, it is by client's operation, accepts the input of the account transfer information of the account number that comprises account transfer take over party bank and transfer amount;
My confirmation input block, my confirmation of its input client;
The voucher issuance unit, its distribution account transfer certificate of entrustment, this account transfer certificate of entrustment is printed my confirmation and the account transfer information of being imported, this confirmation is my confirmation of the client that read by described my confirmation input block, and this client utilizes described operating unit to import the client of account transfer information; And
The voucher reading unit, it reads confirmation and the account transfer information in person that is printed on the account transfer certificate of entrustment,
Failing according to described account transfer information successfully under the situation that the account of account transfer take over party bank transfers accounts, read client's confirmation in person by described my confirmation input block, this client makes described voucher reading unit read the client of account transfer certificate of entrustment, after my confirmation that reads from the account transfer certificate of entrustment according to this confirmation and described voucher reading unit confirms that client is me, according to the account transfer information of importing once more by described operating unit, issue the certificate of entrustment of transferring accounts once more to this client.
14. according to claim 12 or 13 described automatic trading apparatus, it is characterized in that,
Described my confirmation is a Biont information.
15. according to claim 12 or 13 described automatic trading apparatus, it is characterized in that,
The form of the bar code that described voucher issuance unit obtains so that my confirmation and account transfer information are encoded is printed on described my confirmation and account transfer information on the account transfer certificate of entrustment.
16. an automatic trading apparatus is characterized in that, this automatic trading apparatus is provided with:
Operating unit, it is by client's operation, accepts the input of the account transfer information of the account number that comprises account transfer take over party bank and transfer amount;
Voucher issuance unit, its distribution account transfer certificate of entrustment, this account transfer certificate of entrustment print have by the account transfer information of described operating unit input be used to discern this account transfer management of information number;
My confirmation input block, it accepts the input of described management number and client's my confirmation; And
The unit of withdrawing the money, it takes out cash,
Failing according to described account transfer information successfully under the situation that the account of account transfer take over party bank transfers accounts, accept the input of management number and my confirmation by described my confirmation input block, according to being stored in advance explicitly after my confirmation in the storage unit confirms that client is me with this confirmation and described management number, the account transfer money is returned to this client in the described unit of withdrawing the money.
17. an automatic trading apparatus is characterized in that, this automatic trading apparatus is provided with:
Operating unit, it is by client's operation, accepts the input of the account transfer information of the account number that comprises account transfer take over party bank and transfer amount;
Voucher issuance unit, its distribution account transfer certificate of entrustment, this account transfer certificate of entrustment print have by the account transfer information of described operating unit input be used to discern this account transfer management of information number; And
My confirmation input block, it accepts the input of described management number and client's my confirmation,
Failing according to described account transfer information successfully under the situation that the account of account transfer take over party bank transfers accounts, accept the input of management number and my confirmation by described my confirmation input block, according to being stored in advance explicitly after my confirmation in the storage unit confirms that client is me with this confirmation and described management number, according to the account transfer information of importing once more by described operating unit, issue the certificate of entrustment of transferring accounts once more to this client.
18. according to claim 16 or 17 described automatic trading apparatus, it is characterized in that,
The form of the bar code that described voucher issuance unit obtains so that account transfer information is encoded is printed on described account transfer information on the account transfer certificate of entrustment.
Applications Claiming Priority (3)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP2008086701A JP5223415B2 (en) | 2008-03-28 | 2008-03-28 | Bank transfer relay system |
| JP2008086701 | 2008-03-28 | ||
| JP2008-086701 | 2008-03-28 |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN101546459A CN101546459A (en) | 2009-09-30 |
| CN101546459B true CN101546459B (en) | 2011-04-20 |
Family
ID=41193576
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN 200810190519 Expired - Fee Related CN101546459B (en) | 2008-03-28 | 2008-12-30 | Bank transfer relay system |
Country Status (2)
| Country | Link |
|---|---|
| JP (1) | JP5223415B2 (en) |
| CN (1) | CN101546459B (en) |
Families Citing this family (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| KR102061397B1 (en) * | 2017-12-20 | 2019-12-31 | 주식회사 플레이통 | Deposit Device and deposit method |
Family Cites Families (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JPH1153616A (en) * | 1997-08-06 | 1999-02-26 | Yokohama Ginkou:Kk | Transfer management device and transfer management method |
| JP2000040114A (en) * | 1998-07-23 | 2000-02-08 | Sumitomo Bank Ltd | Bank transfer system |
| JP2003271824A (en) * | 2002-03-14 | 2003-09-26 | Bank Of Tokyo-Mitsubishi Ltd | Transfer request processing device and method therefor |
| JP2006127172A (en) * | 2004-10-29 | 2006-05-18 | Hitachi Omron Terminal Solutions Corp | Automated teller machine |
| JP2006252377A (en) * | 2005-03-14 | 2006-09-21 | Nomura Research Institute Ltd | Bank transfer intermediation system |
-
2008
- 2008-03-28 JP JP2008086701A patent/JP5223415B2/en active Active
- 2008-12-30 CN CN 200810190519 patent/CN101546459B/en not_active Expired - Fee Related
Also Published As
| Publication number | Publication date |
|---|---|
| CN101546459A (en) | 2009-09-30 |
| JP5223415B2 (en) | 2013-06-26 |
| JP2009238161A (en) | 2009-10-15 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US10558960B2 (en) | Cash payment for remote transactions | |
| US8051003B2 (en) | Systems and methods of introducing and receiving information across a computer network | |
| US7841515B2 (en) | Identity authentication for financial transactions | |
| CN1873705B (en) | Automated teller machine | |
| US6857565B2 (en) | Electronic traveler's checks | |
| US8616440B2 (en) | Alternative banking system for managing traditional and nontraditional markets | |
| JP5830227B2 (en) | Proxy storage system and proxy storage method | |
| JP5141158B2 (en) | Electronic money issue relay device and account management device | |
| CN101546459B (en) | Bank transfer relay system | |
| JP2010170421A (en) | Automated teller system, automated teller machine and program for automated teller machine | |
| RU113044U1 (en) | SIM CARD AUTOMATIC | |
| CN102254384B (en) | Automatic trade control device | |
| CN103971465A (en) | Cash Processing System And Method | |
| CN101493972B (en) | Automatic dealing system and device | |
| US20090171841A1 (en) | Method and system for transferring funds between account holders | |
| JP2021165953A (en) | Ticket vending machine, transaction management system, and program | |
| KR100413343B1 (en) | Giro processing system using barcode | |
| KR101337095B1 (en) | Financial device, system for providing financial goods information using the same, and method thereof | |
| JP4845922B2 (en) | Automatic transaction equipment | |
| KR20080062605A (en) | Method for realtime transacting of check in an atm | |
| US20120030113A1 (en) | Generation And Use Of Negotiable Instruments | |
| KR100942609B1 (en) | Automatic Terminal Device with Function of Processing Cyber Account Printing and | |
| KR100516861B1 (en) | Method of financial business by computation and the terminal | |
| JP2004164446A (en) | Financial service system, card issuing device and card transaction device | |
| CN101383064B (en) | Certification switched system for automatic trading device |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| C14 | Grant of patent or utility model | ||
| GR01 | Patent grant | ||
| CF01 | Termination of patent right due to non-payment of annual fee | ||
| CF01 | Termination of patent right due to non-payment of annual fee |
Granted publication date: 20110420 Termination date: 20211230 |