JP2001282996A - Automatic account establishment system at the time of receiving slip - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a system receiving a draft and a check and performing automatic transfer contract by automatically establishing an account when the account does not exist in the monetary facility of an automatic machine operated at the time of performing transfer on securities such as the draft and the check, power and gas rates in the automatic machine. SOLUTION: It is recognized whether the account exists in the monetary facility or not.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic machine for remitting public utilities and the like and for receiving securities such as bills and checks. Related to a system that allows a new account to be opened.

[0002]

2. Description of the Related Art Conventionally, in order to automatically transfer an account, procedures and contracts have been made at a counter of a financial institution.
In addition, in automatic machines that transfer utility charges, etc.,
Japanese Patent Application Laid-Open No. 9-44578 discloses an automatic transfer contract made by an automatic machine when an account exists at a financial institution. Further, known examples of automatic machines that accept securities such as bills and checks are disclosed in Japanese Patent Application Laid-Open No. Hei 10-222729, and securities of other financial institutions are:
Although the automatic machine performs the reception process, it was necessary to open an account at the counter.

[0003]

At present, the transfer of public money and the like can be processed by an automatic machine. However, when making an automatic transfer contract, an account of the relevant financial institution is required.
First, after opening a new account at the financial institution's window, automatic transfer contracts had to be made at the financial institution's window. Also, at present, securities such as bills and checks of other financial institutions have been processed only at the counter of the financial institution.

According to the present invention, when there is no account, a new account can be opened by an automatic machine, and an automatic transfer contract is also performed by the automatic machine, so that these processes can be performed outside business hours of a financial institution window. And reduce the number of financial institution window operations.

[0005] Another object is to accept bills and checks from other financial institutions and urge users to open automatic accounts.
The purpose is to increase opportunities for financial institutions to acquire users.

[0006]

Means for Solving the Problems In order to solve the above problems, the present invention constructs the following system.

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

[0008] It is confirmed whether the financial institution has an account.

[0009]

Embodiments of the present invention will be described below in detail with reference to the drawings.

FIGS. 2 and 3 show flowcharts of an embodiment of the present transaction.

First, FIG. 2 will be described below.

First, a form to be traded is inserted into the form reading and storing mechanism 108. The inserted form is subjected to recognition processing such as character recognition based on the format, format, and the like in the form reading and storing mechanism 108.

[0013] In the case of securities such as bills and checks, the system recognizes whether it is securities of another financial institution or securities of the financial institution, and confirms whether or not the financial institution brought in has an account.

On the other hand, in the case of a transfer form such as an electricity or gas charge, the payee is recognized based on the account number described, and the processing shifts to a deposit processing. When the payment processing is completed or the transfer processing is completed, a transaction slip is issued. next,
Inform the customer of the next automatic transfer contract. If the customer rejects the automatic transaction contract, the transaction ends here.
If the customer wants an automatic transfer contract, it checks whether the financial institution has an account.

If the financial institution has an account: (1) Enter the account number.

(2) The card of the account is inserted into the card reading mechanism 106, and the personal identification number is input from the customer operation unit 103.

The customer operates one of (1) and (2) and checks the input data against the data in the customer file 205 of the host 201 to determine the account.

In the case of securities such as bills and checks, an account transfer is performed next.

Here, the bank account is processed for transfer, but during the processing of bills and checks, cash must not be withdrawn.
The contents of "X / M / X transfer" are printed on the passbook.

When an automatic transfer contract is made, the automatic transfer contract file 206 is compared with the automatic transfer contract file 206 to confirm whether or not there is a contract at present.
To store data.

If the date and time of the automatic transfer is not described in the form, it can be dealt with by inquiring the customer. As a result, automatic transfer processing can be performed from the next time. Above,
If the account exists at the financial institution, the transaction ends.

Here, in order to deposit securities such as bills and checks, it is necessary to open a new account for depositing the amount.

FIG. 3 shows a transaction flow in the case where there is no account at the financial institution described in the present patent.

In order to automatically open an account, first, a customer inputs information necessary for opening an account, such as an address and a name. Next, a driver's license, insurance card, or the like is inserted into the form reading / storing mechanism 108 in order to confirm that the user is the person himself / herself. In order to confirm the inserted identity certificate, the identification is first recognized in a format, and if there is a photograph or the like, the validity of whether the reading is successful is determined.

If it is determined that the identity certificate is inappropriate, (1) insert the identity certificate again or have a different identity certificate inserted.

(2) Cancellation of transaction One of (1) and (2) is performed.

If it is determined that the identification certificate is valid, the camera mechanism 101 acquires moving image data of the customer. At this time, the customer is guided to the photographing position so that the image is improved.

The necessity of a moving image is to prevent the use of a photograph or the like at the time of shooting.

The captured moving image data and the data of the identity certificate are stored in the identity confirmation data file 204 of the host 201.

Next, a notification stamp is issued to the customer to have the customer seal it.

After the seal is stamped, it is inserted into the passbook handling mechanism 107 of the automatic machine 100, and after confirmation of the seal, it is stored.

Next, in order to create a card, the customer inputs a personal identification number.

Next, when the passbook or card is to be sent, or when the account can be used, information such as the availability of an account is displayed and a statement sheet is output to notify the customer. This completes the transaction.

At a later date, the inserted forms are collected at a form / check check place 203, and the authenticity is checked manually.
The identity is confirmed by sending data from the identity confirmation data file 204 to the identity confirmation terminal at a later date and formally approving it. After confirming the form and identity, send the passbook and card to the customer.

In this embodiment, since the transaction is strictly established,
Identity verification is performed, but in order to actually open an account, only the input information necessary for opening an account, such as address and name, is sufficient.

In the transaction of the present invention, since the payment processing is the object, there is no particular need for proof of identity.

If the address, name, etc. are random, the passbook or card to be sent cannot be received, so that a withdrawal transaction or the like to be used for an account in the future will not be performed.

[0038]

According to the present invention, it is possible to receive the transfer of securities such as passbooks and checks, and electricity and gas charges even when the counter business is completed.
Even if you do not have an account, by automatically opening it,
An automatic transfer contract can be made for the account, and it is possible to act for a window business.

[Brief description of the drawings]

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

FIG. 2 is a transaction flowchart when an account is present.

FIG. 3 is a transaction flowchart when there is no account.

[Explanation of symbols]

Reference numeral 101: camera mechanism, 102: display section, 103: customer input section (operation section), 104: cash handling mechanism, 105: statement slip issuing mechanism, 106: card reading mechanism, 107: passbook handling mechanism, 108: form reading / reading Storage mechanism, 109 ... Control unit,
110: storage unit, 111: power supply unit, 112: line interface unit, 200: center, 201: host, 202
… Identity confirmation terminal, 203… Form / check confirmation place, 20
4 ... identification data file, 205 ... customer file,
206: Automatic transfer contract file.

Continued on the front page F term (reference)

Claims (2)

[Claims] Claims 1. An automatic machine having a function of reading and processing securities such as bills and checks, or a form for receiving and processing public money transfer such as electricity and gas charges, to a financial institution operating the automatic machine. If there is no handling account,
A system characterized by automatically opening an account on an automatic machine. 2. The system according to claim 1, wherein when automatically opening an account, the identity of the transfer person is confirmed and the account to be opened is determined.