JP2001357434A - Transferring method, money inputting method and transaction device using the methods - Google Patents

Abstract

PROBLEM TO BE SOLVED: To obtain a method by which transferring can be simple. SOLUTION: In this transferring method for performing the transferring transaction of some amount in some transferring destination account, when at least the transferring destination account, some amount and a transferred amount from a transferring source account are inputted from a customer inputting part 19 as data, a main control part 16 calculates a difference between some amount and the transferred amount from the transferring source account. In the case of judging that the amount of cash inputted from a paper money inputting and outputting part 13 or a coin inputting and outputting part 14 is equal to or larger than the calculated difference, the part 16 processes transferring transaction to the transferring destination account from the transferring source account and processes transferring transaction to the transferring destination account by cash.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method of transferring money to an account established by a financial institution.

[0002]

2. Description of the Related Art In a transfer business generally performed as a business of a financial institution such as a bank, when performing a transaction by transfer, a transfer source person (hereinafter, referred to as an operator) includes:
Select either an account transfer or cash transfer. Then, for example, the automated teller machine ATM performs a transfer process based on the selection. At the counter, a bank employee may perform a transfer process in an interactive manner with the transaction device. Here, transfer refers to the transfer of cash into an account (hereinafter referred to as cash transfer), or the transfer of a certain amount from one holder's account to another's account (
Account transfer). Transfer refers to transferring a certain amount of money between accounts of the same holder.

[0003]

However, in the above-mentioned method, for example, if the cash on hand is less than the amount of the transfer, the cash must be withdrawn after the cash has been withdrawn from the previously deposited account. No. Also,
If the deposit from the account is less than the deposit amount you want to keep in the account, or if the deposit amount of the account alone is less than the deposit amount, transfer cash to the account first and then transfer by account Or withdraw cash from your account and make a cash transfer. As described above, in the above case, the operation procedure is increased,
The transfer was inconvenient.

[0004] Therefore, it has been desired to realize a method or the like that can easily perform the transfer even in the above case.

[0005]

According to the present invention, there is provided a transfer method for performing a transfer transaction of a certain amount in a transfer destination account using an apparatus for performing a transfer transaction. A step of inputting a certain amount and a transfer amount from the transfer source account as data, a step of calculating a difference between the input certain amount and the transfer amount from the transfer source account, a step of receiving a deposit, When it is determined that the amount of cash is equal to or greater than the calculated difference, a process of performing a transfer transaction from the transfer source account to the transfer destination account, and a process of performing a transfer transaction process to the transfer destination account by cash. . In the present invention, when performing a transfer transaction, at least a transfer destination account, a certain amount and a transfer amount from the transfer source account are input as data, and the input certain amount and the transfer amount from the transfer source account are compared. When the difference is calculated, the deposit is made, and when it is determined that the amount of the deposited cash is equal to or greater than the calculated difference, a transfer transaction process with an account and cash is performed, and the operation of the account and cash transfer transaction by the operator is performed in a series of operations. To be done in

[0006] Further, the transaction apparatus according to the present invention is characterized in that, when at least data of a transfer destination account, a certain amount, and a transfer amount from a transfer source account are input, input means for transmitting the data as an input signal; Based on the input / output means transmitted and received from the input means, the difference between the input amount and the transfer amount from the transfer source account is calculated, and the amount of cash received is calculated. Determines whether the difference is greater than or equal to the calculated difference, and if it is greater than the difference, performs a transfer transaction from the transfer source account to the transfer destination account, and also performs a cash transfer process to the transfer destination account using cash Means, and a display means for displaying a result processed by the control means. In the present invention, the control means receives at least a transfer destination account, an input signal of data of a certain amount and data of a transfer amount from the transfer source account from the input means, and determines that there is a cash deposit from the deposit and withdrawal means. Based on these, the difference between the input amount and the transfer amount from the transfer source account is calculated. Then, if it is determined that the amount of cash received is equal to or greater than the calculated difference, an account and cash transfer transaction process is performed, and an operator performs an account and cash transfer transaction in a series of operations.

[0007]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Embodiment 1 FIG. FIG. 1 shows the first embodiment of the present invention.
It is a figure showing the system for realizing the transfer method concerning embodiment of FIG. In the figure, reference numeral 1 denotes an automatic transaction device (hereinafter referred to as ATM). A card reader / printer unit 11 reads data held in a magnetic stripe provided on a customer (operator) transaction card. In addition, a receipt, which is a transaction statement of a card transaction, is printed out.
Reference numeral 12 denotes a passbook bookkeeping unit, which prints transaction details on the customer's passbook. Reference numeral 13 denotes a bill receiving / dispensing unit, which counts the number of bills to be paid at the time of payment, and counts and stores the number of bills inserted by the customer at the time of payment. A coin receiving / dispensing unit 14 counts and stores the number of coins inserted by a customer at the time of deposit. Reference numeral 15 denotes a communication unit for exchanging transaction data and the like with the host computer 2 and the like, for example. Reference numeral 16 denotes a main control unit as control means for performing control processing and the like of the entire ATM based on a program or the like. Based on the input signal transmitted from the customer input unit 19, the AT
It controls each component of M and causes the customer screen display unit 18 to display a screen. A storage unit 17 stores at least a control program, a file, and the like necessary for operating the main control unit 16. 18 is a customer screen display unit,
For example, it is composed of a CRT display. The customer screen display unit 18 performs screen display based on the transaction screen display data transmitted from the main control unit 16. Reference numeral 19 denotes a customer input unit, which includes, for example, a touch screen, buttons, and the like. When the customer inputs data such as transaction content and amount, the customer input unit 19 transmits an input signal corresponding to the content or the amount to the main control unit 16.

Reference numeral 2 denotes a host computer. The host computer 2 performs various processes in the accounting operation of a financial institution such as a bank. In addition, data of all processed accounts (for example, name, deposit amount, etc.) is converted into a database and stored in a storage device (not shown). Here, in a transfer transaction, it is common to make a transfer to an account of another financial institution (bank), but in the present embodiment, a transfer process is performed between an ATM 1 and a host computer 2 of a financial institution. Will be described. If a transfer is made to an account of another financial institution, for example, via the host computer 2 or a computer (not shown) of the JBA, a host computer (bank) of another financial institution (bank) is provided. (Not shown) and a transaction therefor. Reference numeral 3 denotes a network such as a dedicated line or a public line.

In this embodiment, when a certain amount of money is to be transferred (transmitted) to another account, both the transfer by an account (here, a passbook account or a card account) and the transfer by cash are both performed in one operation. It is made to be able to handle. Therefore, in addition to "account transfer" and "cash transfer",
Item "Account / Cash Transfer" is provided as an option. Then, when “account / cash transfer” is selected, the main control unit 16 performs a transfer process with the host computer 2. Therefore, if you make a bank transfer as before,
When depositing cash into an account and then transferring it to another account or performing a cash transfer, there is no need to withdraw insufficient cash from the account and make a transfer.

FIG. 2 shows a main control unit 1 according to the first embodiment.
6 is a flowchart illustrating a transfer process of No. 6. The operation of the transfer transaction processing (hereinafter referred to as transfer processing) centered on the automatic transaction apparatus 1 will be described based on FIGS. 1 and 2. When the main control unit 16 determines that the operator (customer) has selected the transfer processing based on the input signal transmitted from the customer input unit 19, the main control unit 16 transmits the transaction screen display data to the customer screen display unit 18 and performs the transfer. Display a processing screen (S
1).

FIG. 3 is a view showing a screen for a transfer process.
In FIG. 3, in addition to “Account transfer” and “Cash transfer” as in the related art, an item of “Account / cash transfer” is newly added. When an input signal is input from the customer input unit 19, the main control unit 16 determines an item selected by the operator based on the input signal (S2). Here, if it is determined that "Bank transfer" or "Cash transfer" is selected,
The main control unit 16 performs the same account transfer or cash transfer processing as before (S3). In the present embodiment, description will be made assuming that “account / cash transfer” is selected.

When it is determined that "account / cash transfer" has been selected, the main control unit 16 transmits the transaction screen display data to the customer screen display unit 18 to display a screen for prompting insertion of a card. When the card reader / printer unit 11 determines that the card has been inserted by the operator, it reads, for example, card data (for example, data such as an account number and name) magnetically recorded on the card. Then, the card reader printer unit 11 transmits the card data to the main control unit 16. When the card data is transmitted (input) (S4), the main control unit 16 transmits the transaction screen display data to the customer screen display unit 18 to display a screen for prompting the input of a personal identification number.
When an input signal indicating the data of the password input by the operator is input from the customer input unit 19 (S5), the main control unit 16 transmits the transaction screen display data to the customer screen display unit 18 and transfers the data. Display a screen that prompts you to enter data for the destination account.

When an input signal indicating the data of the transfer destination account input by the operator is input from the customer input section 19 (S6), the main control section 16 transmits the transaction screen display data to the customer screen display section 18. Then, a screen for prompting the user to input the data of the transfer amount in cash is displayed. When an input signal indicating the data of the transfer amount in cash input by the operator is input from the customer input unit 19 (S7), the main control unit 16 further transmits the transaction screen display data to the customer screen display unit 18, Display a screen that prompts you to enter the data of the transfer amount by account. When the input signal indicating the data of the transfer amount by the account input by the operator is input from the customer input unit 19 (S8), the main control unit 16 communicates with the host computer 2 via the communication unit 15 and the network 3. Is started (S9). Then, transaction data such as card data, personal identification number data, transfer destination account data, cash transfer amount data, and account transfer amount data is transmitted.

The host computer 2 compares the input card data and the data of the personal identification number with data recorded in advance, and judges whether or not they are the same. Further, based on the data of the transfer amount by the account, it is determined whether or not the account indicated by the card data has a deposit capable of transferring the data of the transfer amount by the account.
Further, it is determined whether the data of the transfer destination account is correct. Then, data of the determination result indicating whether the transaction is possible is transmitted to the main control unit 16 via the network 3 and the communication unit 15.

The main control unit 16 determines, based on the data of the judgment result transmitted from the host computer 2 (S10),
It is determined whether a transaction is possible (S11). When it is determined that a transaction is possible, the customer screen display unit 1
The transaction screen display data is transmitted to No. 8 and a screen prompting confirmation of the transfer contents is displayed (S12). Here, in the data of the transfer contents confirmation, the breakdown of the transfer amount by cash and the transfer amount by account out of the total transfer amount this time are displayed. Also,
When determining that the transaction is not possible, the main control unit 16 transmits the transaction screen display data to the customer screen display unit 18 and displays a screen to that effect (S13). This screen is, for example, a screen for prompting re-input of the password if the password is different, or a screen for displaying the fact that the deposit amount of the account is insufficient.

When an input signal indicating a transfer content confirmation input by the operator is input from the customer input unit 19, the main control unit 16 determines that the bill receiving / dispensing unit 13 or the coin receiving / dispensing unit 14 has an open / close shutter. If it is, the shutter is opened so that a deposit can be made.
The transaction screen display data to display a screen prompting for cash input. Banknote depositing / dispensing unit 13 or coin depositing / dispensing unit 14
Counts the deposited banknotes or coins, and transmits data of the deposited amount to the main control unit 16.

When the deposit amount data is transmitted (S14), the main controller 16 inputs the sum of the deposit amount data transmitted from the banknote depositing / dispensing unit 13 or the coin depositing / dispensing unit 14 and the operator's input. The data is compared with the data of the transfer amount in cash (S15). As a result, when it is determined that the deposit amount is equal to or greater than the transfer amount input by the operator, the main control unit 16 performs a transfer process with the host computer 2 via the communication unit 15 and the network 3 (S16). . Here, the transfer process represents two transactions of a cash transfer and an account transfer.

After the transfer transaction processing with the host computer 2, the main control unit 16 performs post-processing (S17). The main control unit 16 refunds, for example, when it is determined that there is much money to be paid. In that case, an instruction is transmitted to the banknote input / output unit 13 and the coin input / output unit 14 to refund the money. In addition, passbook entry section 1
If a passbook is inserted in 2, the passbook bookkeeping unit 12 makes a bookkeeping on the amount of money transferred by the account, and then discharges it. Then, the inserted card is returned to the card reader / printer unit 11, and the process is terminated.

As described above, according to the first embodiment,
When a new item of “account / cash transfer” is provided, and it is determined that the item is selected, the main control unit 16 performs the cash transfer and the account transfer, respectively. If you transfer money to another account after transferring it to your account or make a cash transfer, there is no need to withdraw the shortage of cash from the account and make a transfer, which reduces the number of times you need to operate devices such as ATMs. , Convenient. Also, if you make a transfer using this method, if you want to record in the passbook at the account of the transfer destination, the transfer amount by cash and the transfer amount by account should be printed, and the breakdown should be clearly indicated. The person at the transfer is convenient.

Embodiment 2 FIG. 4 is a flowchart illustrating a deposit (deposit) transaction process of the main control unit 16 according to the second embodiment of the present invention. In the present embodiment, when a customer (operator) performs a deposit transaction to an account, transfer from another account of the same name and deposit by cash can be performed by one operation. The payment transaction processing according to the present embodiment will be described with reference to FIG. A system for realizing the deposit transaction processing will be described using the same system as in FIG.

When the main control unit 16 determines that the operator has selected the payment transaction processing based on the input signal transmitted from the customer input unit 19, the main control unit 16 transmits transaction screen display data to the customer screen display unit 18, Display a screen that prompts you to insert a passbook for deposit. When determining that the passbook has been inserted, the passbook entry unit 12 reads passbook data (for example, data such as an account number and name) magnetically recorded in the passbook. Then, the passbook entry unit 12 transmits the passbook data to the main control unit 16. When the passbook data is input (S21), the main control unit 16 transmits the transaction screen display data to the customer screen display unit 18 and displays a screen prompting the user to select whether or not to transfer from another account to the passbook account. Let it. The presence or absence of a transfer is determined based on an input signal transmitted from the customer input unit 19,
If it is determined that there is no transfer, a payment transaction process using only cash is performed as usual (S23). In the present embodiment,
Description will be made assuming that transfer is selected.

When the main control unit determines that the operator has selected the transfer based on the input signal transmitted from the customer input unit 19, the main control unit transmits the transaction screen display data to the customer screen display unit 18 and the transfer source Display a screen that prompts you to insert a card. When the card reader / printer unit 11 determines that the operator has inserted the card, the card reader / printer unit 11 reads, for example, card data (for example, data such as an account number and name) magnetically recorded on the card. Then, the card reader printer unit 11 transmits the card data to the main control unit 16. When the card data is transmitted (input) (S24), the main control unit 16 transmits the transaction screen display data to the customer screen display unit 18 to display a screen for prompting the input of a personal identification number.
When an input signal indicating the data of the password input by the operator is input from the customer input unit 19 (S25), the main control unit 16 further transmits the transaction screen display data to the customer screen display unit 18 and enters the data. Display a screen prompting you to enter the amount.

When an input signal indicating the data of the deposit amount inputted by the operator is inputted from the customer input section 19 (S2).
6), when the banknote pay-in / pay-out unit 13 has an open / close shutter, the main control unit 16 allows the user to open the shutter so that money can be deposited, and displays the transaction screen display data on the customer screen display unit 18. Send and display a screen prompting you to enter cash. The banknote depositing / dispensing unit 13 counts the deposited banknotes and transmits data of the amount of cash to the main control unit 16.

When the cash amount data is transmitted (input) from the banknote depositing / dispensing unit 13 (S27), the main control unit 16 calculates the difference between the cash amount and the deposited amount (S28). Then, the transaction screen display data is transmitted to the customer screen display unit 18 with the difference as the transfer amount, and the transfer amount and a confirmation screen are displayed (S29). When the main control unit 16 determines that the transfer amount has been confirmed by the operator based on the input signal transmitted from the customer input unit 19, the main control unit 16 performs a payment transaction with the host computer 2 via the communication unit 15 and the network 3. Processing is performed (S30). Then, transaction data such as data of a deposit account, card data, personal identification number data, deposit data and transfer amount data is transmitted to the host computer 2.

The host computer 2 performs a deposit transaction based on the transaction data transmitted from the main controller 16. First, the input card data and personal identification number data are compared with data recorded in advance to determine whether they are the same. Also, based on the transfer amount data,
It is determined whether or not the account indicated by the card data has a deposit capable of transferring the transfer amount data. When it is determined that the transfer can be made, a process for updating to a new deposit amount is performed on a recording device (not shown) provided as a database. Then, the result data is transmitted to the main control unit 16 via the network 3 and the communication unit 15. Here, this payment transaction processing represents both a transaction by payment and a transaction of transfer.

The main controller 16 writes (prints) a passbook into the inserted passbook based on the transmitted result data, and then discharges it (S31). Then, the card inserted from the card reader printer unit 11 and the printed receipt (transfer statement) are discharged (S32), and the process ends.

As described above, according to the second embodiment,
When performing a deposit transaction to a certain account, the transfer from another account with the same name and cash deposit can be performed once by the transaction processing operation, so the operator withdraws from the other account once. This is convenient because there is no need to perform two transactions, such as making a deposit after making a payment, or making a deposit and then transferring to another account.

Embodiment 3 The above-described embodiment has been described with respect to a method in which a customer himself makes a transfer using an automatic transaction device. However, the present invention can also be applied to a case where a bank clerk at a counter makes a transaction by transfer at the request of the customer.

Embodiment 4 FIG. Further, in the above-described embodiment, the transaction is performed for each of the cash transfer and the account transfer, thereby paying the account transfer fee and the cash transfer fee. However, in the case where the transaction as described in the above-described embodiment is performed, the transfer processing may be set to be performed with a fee lower than the sum of the fees when the cash transfer and the account transfer are respectively performed. Good.

Embodiment 5 FIG. In the above-described first embodiment, the transfer by the card account is performed, and the second transfer is made.
In the above embodiment, the transfer from the card account to the passbook account is performed, but the types of the transfer source (transfer source) and the transfer destination (transfer destination) are not limited to this.

[0031]

As described above, according to the present invention, when at least a transfer destination account, a certain amount, and a transfer amount from a transfer source account are input as data at the time of conducting a transfer transaction, the input certain amount The difference between the transfer amount and the transfer amount from the transfer source account is calculated, and if it is determined that the amount of cash received is equal to or greater than the calculated difference, a transfer transaction process using the account and cash is performed. The operation of the transfer transaction with the account and cash by the operator can be performed by a series of operations, which is convenient.

Further, according to the present invention, the control means determines the input amount and the transfer amount from the transfer source account based on the input signal from the input unit and the amount of cash input to the deposit / withdrawal unit. When the amount of cash received is determined to be greater than or equal to the calculated difference, the transfer transaction processing using the account and cash is performed. It can be done by operation and is convenient.

[Brief description of the drawings]

FIG. 1 is a diagram illustrating a system for realizing a transfer method according to a first embodiment of the present invention.

FIG. 2 is a flowchart illustrating a transfer process of a main control unit 16 according to the first embodiment.

FIG. 3 is a diagram illustrating a screen for a transfer process.

FIG. 4 is a flowchart illustrating a deposit transaction process of a main controller 16 according to a second embodiment.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Automatic transaction apparatus 11 Card reader / printer part 12 Passbook bookkeeping part 13 Banknote deposit / withdrawal part 14 Coin deposit / withdrawal part 15 Communication part 16 Main control part 17 Storage part 18 Customer screen display part 19 Customer input part 2 Host computer

 ────────────────────────────────────────────────── ─── Continued on the front page (72) Inventor Tomoki Isobe 1-7-12 Toranomon, Minato-ku, Tokyo Oki Electric Industry Co., Ltd. F term (reference) 3E040 AA01 AA04 AA07 AA08 BA07 CA14 CB01 DA03 EA01 FH02 FJ02 FJ06 FK02 5B055 BB03 CB04 CB09 EE02 EE15 KK01

Claims (5)

[Claims] 1. A transfer method for performing a transfer transaction of an amount in a certain transfer destination account using an apparatus for performing a transfer transaction, wherein at least the transfer destination account, the certain amount, and the transfer amount from the transfer source account Is input as data; a step of calculating a difference between the input amount and the amount of money transferred from the transfer source account; a step of receiving money; and a step of calculating the amount of cash received. A transfer method for performing a transfer transaction from the transfer source account to the transfer destination account, and performing a transfer transaction process to the transfer destination account using cash. . 2. When making a passbook entry of the transfer destination account,
2. The transfer according to claim 1, wherein, for the certain transfer amount, a transfer transaction amount from the transfer source account to the transfer destination account and a breakdown of the transfer transaction amount in the cash transfer destination account are recorded. Method. 3. A depositing method for performing a deposit transaction of an amount in a certain account using a device for performing a deposit transaction, wherein at least the account, the amount, and the transfer source account are input as data. The step of receiving, the step of receiving, the step of calculating the difference between the amount of cash received and the certain amount, and if it is determined that the deposit amount of the transfer source account is equal to or greater than the calculated difference, Performing a transfer transaction process from a transfer source account to the deposit destination account, and performing a deposit transaction process to the deposit destination account by cash. 4. Input means for transmitting at least data of a transfer destination account, a certain amount and a transfer amount from a transfer source account as an input signal, and a deposit and withdrawal for making and receiving cash. Means, based on the input signal transmitted from the input means,
Calculate the difference between the input amount and the transfer amount from the transfer source account, determine whether the amount of cash deposited is equal to or greater than the calculated difference, and determine that the amount is greater than or equal to the difference. A transfer unit that performs a transfer transaction process from the transfer source account to the transfer destination account, and a transfer unit that performs a transfer transaction process to the transfer destination account by cash; and a display unit that displays a result processed by the control unit. A transaction device comprising: 5. Input means for transmitting at least data of a deposit account, a certain amount, and a transfer source account as an input signal; and cash deposit and withdrawal means for performing cash deposit and withdrawal; Based on the input signal transmitted from the input means, the difference between the amount of cash deposited and the certain amount is calculated, and it is determined whether the deposit amount of the transfer source account is equal to or greater than the calculated difference. Then, if it is determined to be the best, perform a transfer transaction processing from the transfer source account to the deposit destination account,
Further, a transaction apparatus comprising: a control unit for performing a deposit transaction process to the deposit account with cash; and a display unit for displaying a result of the process by the control unit.