JP2002117238A - Financial institution system in which cash card is available - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a financial institution system in which a cash card is available and a customer can cancel a fixed deposit account without taking a bankbook with the customer to an automatic transaction machine. SOLUTION: In this financial institution system in which the automatic cash transaction machine capable of at least cash payment by the cash card (card) is connected to a financial institution side device in which a deposit account and the fixed deposit account corresponding to the card are opened, through a network, the financial institution side device (host 209) is provided with a password confirming means 21 for confirmation the password of the card set in the automatic cash transaction machine, a fixed deposit account retrieving means 22 for retrieving the fixed deposit account corresponding to the password, and a fixed deposit account canceling means 23 for performing cancellation processing of the fixed deposit account corresponding to an input operation when the input operation is conducted to the fixed deposit account from the automatic cash transaction machine in which the card is set.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a financial institution system that can use a cash card, and more particularly to a cash institution that can save a customer from having to bring a passbook to a transaction device when canceling a time deposit account. Regarding the financial institution system.

[0002]

2. Description of the Related Art Conventionally, when a customer has a time deposit account at a financial institution such as a bank and wants to cancel the time deposit account, the customer must go to the window of the financial institution and perform the procedure. It was time-consuming, time-consuming and inconvenient.
Further, there is an inconvenience that transactions can only be performed during the business hours of the counter, and the cancellation process cannot be performed when cash is required. As a technique for solving this, for example, Japanese Patent Laid-Open No. 10-16220
No. 1 proposes an automatic teller machine that can perform a periodical cancellation process.

[0003]

However, this prior art has the following problems. The first problem is that the customer must bring a passbook with an account to be canceled to the transaction device in order to perform the periodic cancellation. Usually, it is rare to carry a time deposit passbook when going out, which is inconvenient because it is necessary to go to a storage place once when cash is needed.
The second problem is that only a time deposit account contracted by passbook type can be canceled, and transactions cannot be made to an account contracted with another medium (printing paper) such as a certificate form. .
That is, since the passbook is provided with a magnetic stripe for identifying customers and accounts, etc., it is possible to conduct transactions from an automatic teller machine, but usually, a certificate without a magnetic stripe is Transactions from an automatic teller machine are not possible. In general, there are certificates and passbooks as the contract media for time deposits.A certificate is a certificate issued in the form of one contract, and a passbook can print multiple contracts in one passbook. Media.

[0004] A third problem is that the customer must specify a statement number in a passbook when specifying an account to be canceled. Usually, not only the details of the contract at the time of contract but also the transaction history such as cancellation and automatic continuation are often printed in the details column printed on the passbook. It can be difficult to determine at a glance whether an account is cancelable. In addition, since transactions performed outside of the counter are not printed in the details column until entry is made, if the transaction history such as automatic cancellation has not been recorded yet, the account will already be It may not be possible to determine whether or not you have canceled. For these reasons, there is a high possibility that it takes time to specify the item number, or an incorrect item number is input.

[0005] Therefore, an object of the present invention is to eliminate the need for a customer to bring a passbook to a transaction device when canceling a time deposit account.
It is an object of the present invention to provide a financial institution system that can use a cash card that can be traded with an account that has contracted with another medium such as a certificate format and does not require specification of a statement number in a passbook.

[0006]

SUMMARY OF THE INVENTION In order to solve the above-mentioned problems, the present invention provides an automatic cash transaction apparatus capable of paying at least cash with a cash card, and opening a deposit account and a time deposit account corresponding to the cash card. In a financial institution system that can use a cash card by connecting the financial institution side device via a network, the financial institution side device checks the password of the cash card set in the automatic teller machine. Password checking means, a time deposit account search means for searching for a time deposit account corresponding to the password identified by the password checking means, and a cache for the time deposit account searched by the time deposit account searching means. The input operation from the automatic teller machine on which the card is set allows the time deposit account corresponding to the input operation to be cleared. Characterized in that a regular savings account cancellation means for processing. By doing so, the termination of the time deposit account can be performed using the cash card.

[0007]

DESCRIPTION OF THE PREFERRED EMBODIMENTS The present invention will be described below with reference to the illustrated embodiment. Referring to FIG. 1, the present invention relates to an ATM (automatic teller machine) which is an "automatic teller machine".
10 and a host computer 20 which is a "financial institution side device", and are connected via a line which is a "network". The ATM 10 has a function of displaying a transaction screen and a guidance screen to a customer. The ATM 10 further has a function of transmitting information input by the customer to the host 20.

The host 20 checks the personal identification number of the card based on the information transmitted by the ATM 10 (function 2).
One. If there is no problem, create a list of all time deposit accounts with which the customer has contracted (function 22: "time deposit account search means").
It has a function of transmitting list data to the ATM 10. In addition, after the customer selects the time deposit account that he / she wants to cancel, the customer closes the account ("time deposit account cancellation means"),
A function for depositing the payment amount into the savings account (23.
"Payment processing means").

Next, the operation of this embodiment will be described with reference to FIG. First, the customer selects a regular termination transaction from the transaction selection screen of the ATM 10 (S1 in FIG. 2). When the regular cancellation transaction is selected, the screen shifts to a card insertion screen. According to the guidance, the customer inserts the cash card and inputs the password given to the cash card (S2 in FIG. 2). The savings account number read from the magnetic stripe of the cash card and the password entered by the customer are transmitted to the host 20 through the line.

The host 20 searches the savings account based on the transmitted information and checks the password (FIG. 2).
S3). As a result of checking, if there is no problem, the customer searches all the time deposit accounts with which the customer has contracted, extracts and edits necessary information, and creates a term account list data (S in FIG. 2).
4). The list data includes, for example, contract number, expiration date, principal, termination rate, interest, interest tax, and balance payment amount. The host 20 transmits the created list data to the ATM 10. The ATM 10 displays a termination account selection screen based on the transmitted periodic account list data. The customer selects a term deposit account to be canceled from the term account list displayed on the terminating account selection screen (S5 in FIG. 2). ATM10
Shows the contract number of the time deposit account selected by the customer in host 2
Send to 0.

The host 20 executes the cancellation processing of the corresponding time deposit account based on the transmitted contract number, and deposits the balance payment amount into the ordinary account specified by the cash card (S6 in FIG. 2). . When this processing is completed normally, the receipt print data is edited and transmitted to the ATM 10. The ATM 10 prints and discharges the receipt and discharges the card (S7 in FIG. 2). Further, in step S6, the amount specified by the customer may be discharged from the ATM 10, and the remaining amount may be deposited in the savings account.

At present, a magnetic card is used as a cash card, but in the near future, a more secure IC card will be introduced. Needless to say, the present invention can be applied to this IC card. Further, in the present embodiment, the case of depositing money into a savings account has been described, but it is a matter of course that a checking account may be used. Furthermore, in this embodiment, the case of an ATM (Automatic Teller Machine) has been described, but it is a matter of course that a cash dispenser (CD) dedicated to withdrawing cash may be used.

[0013]

As described above, according to the present invention, the following effects can be obtained. The first effect is that a customer can cancel a time deposit only by bringing a cash card. The second effect is that all time deposit accounts with which the customer has contracted can be dealt with irrespective of the form of the contract medium such as a certificate form or a passbook type. The third effect is that when specifying the account to be canceled, the customer only needs to select from the list displayed on the screen, thereby preventing input errors such as specifying an account that does not exist or an account that has been canceled. It is.

[Brief description of the drawings]

FIG. 1 is a system configuration diagram of an embodiment of the present invention.

FIG. 2 is a flowchart showing an operation in the embodiment.

[Description of Signs] 10 ATM 20 Host computer

Claims (8)

[Claims] An automatic cash transaction apparatus capable of paying at least cash with a cash card, and a financial institution side apparatus that has opened a deposit account and a time deposit account corresponding to the cash card are connected via a network. In a financial institution system capable of using a cash card, the financial institution-side device confirms the password of the cash card set in the automatic teller machine, and the password confirmation means confirms the password. A time deposit account search means for searching for a time deposit account corresponding to the personal identification number; and a time deposit account searched by the time deposit account search means. A term deposit account canceling means for terminating the term deposit account corresponding to the input operation is provided. Financial institution system that can be used a cash card which is characterized. 2. The financial institution side device includes: a deposit account search unit that searches for a deposit account corresponding to a password identified by the password identification unit; and a deposit account that is searched by the deposit account search unit. The amount of the time deposit account canceled by the time deposit account
2. A financial institution system capable of using a cash card according to claim 1, further comprising payment processing means for performing payment processing. 3. The apparatus according to claim 1, wherein the financial institution side device comprises a cash discharge instruction means for discharging the cash of the amount by the input operation from the automatic teller machine to the automatic teller machine. A financial institution system which can use the cash card according to claim 2. 4. The automatic teller machine according to claim 1, wherein said automatic teller machine is an automatic teller machine.
A financial institution system capable of using the cash card according to any one of the above. 5. The financial institution system according to claim 1, wherein said cash card is a magnetic stripe type cash card. 6. The financial institution system according to claim 1, wherein the cash card is an IC card type cash card. 7. The financial institution system according to claim 1, wherein the deposit account is an ordinary deposit account. 8. The financial institution system capable of using a cash card according to claim 1, wherein the deposit account is a checking account.