JP2002123769A - Electronic transfer slip and automatic transaction device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an electronic transfer slip with which transfer can be done in an automatic transaction device without standardizing the specification of rate account/transfer slip that a public agency and a dealer issue. SOLUTION: The electronic transfer slip 1 where information on a transfer request is recorded on a magnetic stripe 3 so that the mentioned content of the transfer slip can be read by the automatic transaction device is used instead of the transfer slip of the rate request that the public agency and the dealer issue.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic transfer slip formed by converting a transfer slip made of paper into, for example, a magnetic card, and an automatic transaction apparatus for reading the electronic transfer slip.

[0002]

2. Description of the Related Art Conventionally, when an automatic account transfer is not used, payment of a public utility fee or the like is performed by receiving an invoice and a transfer slip from a public institution or a contractor, and then receiving an ATM with an OCR device.
(Automatic transaction equipment). In addition, when payment of public utilities cannot be made at the ATM, payment has been made at a counter of a financial institution or a convenience store.

[0003]

The billing / transfer form issued by a public institution or trader has the above-mentioned payment method because the format is different and the standard is not standardized. The standardization of the standard has been expected for some time, but it has been difficult in practice because there are so many companies that issue the above-mentioned transfer slips.

An OCR device and a bar code reader for reading bills and remittance slips in various formats are provided by an ATM.
Even if the system is installed in the ATM, the ATM itself becomes large and expensive, and it has been difficult to realize all kinds of bills and transfer slips on the ATM.

[0005]

An electronic transfer slip according to the present invention is a transfer slip for billing from a public organization or a trader.
Information on the transfer request is digitally recorded so that the automatic transaction device can read the contents of the transfer slip.

An automatic transaction apparatus according to the present invention is an automatic transaction apparatus having a customer operation unit, a cash deposit / withdrawal unit, and a card reader unit for reading information recorded on a magnetic stripe of a cash card. A transfer slip reading unit for reading the information recorded in the electronic transfer slip described in 1 above;
When the information of the electronic transfer slip read by the transfer slip reading section and the amount information recognized by the cash depositing / dispensing section are input, the information is transmitted to a higher-level device and a cash transfer is executed, When the information of the electronic transfer slip read by the transfer slip reading unit, the information of the cash card read by the card reader unit, and the information of the personal identification number from the customer operation unit are respectively input, the information is ranked higher. And an electronic remittance slip processing unit which transmits the remittance by automatic debit to the device.

In the present invention, information relating to a transfer request is digitally recorded so that the automatic transaction apparatus can read the electronic transfer slip. For this reason, it is not necessary to unify the standard of the bill and the transfer slip made of paper or to attach an OCR device or a barcode reader for reading the transfer slips of various formats to the automatic transaction apparatus.

Further, according to the present invention, when the transfer slip reading section reads information relating to the transfer request recorded in the electronic transfer slip and the cash depositing / dispensing section recognizes the amount of inserted cash, the electronic transfer slip processing section executes The information read by the transfer slip reading unit and the money amount information recognized by the cash depositing / dispensing unit are input, and the information is transmitted to a higher-level device to execute the cash transfer. Also, when the information of the electronic transfer slip read by the transfer slip reading unit, the information of the cash card read by the card reader unit, and the information of the personal identification number from the customer operation unit are respectively input, the information is superordinated. Send to the device to execute the transfer by automatic debit. As described above, since the electronic transfer slip can be read by the automatic transaction apparatus, the probability of misrecognition can be greatly reduced and the processing time can be shortened as compared with the case where the transfer slip is read by an OCR apparatus or a barcode reader. Become.

[0009]

DESCRIPTION OF THE PREFERRED EMBODIMENTS FIG. 1 is a diagram showing details of an electronic transfer slip according to an embodiment of the present invention. The electronic transfer slip 1 shown in FIG. 1 is, for example, a JIS1 magnetic card having an information printing unit 2 on the front surface and a magnetic stripe 3 on the back surface. The customer number, biller's name, billing date, transfer date and billing amount are printed on the front side information printing unit 2 with erasable ink material, and the customer number, The trader code, bill identification number, billing date, transfer term, billing amount, transfer destination account number, and check digit are recorded in an erasable manner. The magnetic stripe 3 is provided with a transfer completion recording unit for recording transfer completion information and an optional information recording unit on which the trader can arbitrarily record information.

Next, the configuration of an automatic transaction apparatus according to an embodiment of the present invention will be described with reference to FIG. FIG. 2 is a block diagram showing a configuration of the automatic transaction device according to the embodiment of the present invention. The automatic transaction apparatus (ATM) shown in FIG. 1 includes a customer operation unit 11 having a touch panel displayed on a screen, a bill depositing / dispensing unit 12, a coin depositing / dispensing unit 13, and a statement printing unit 14.
A card reader unit 15 for reading information recorded on a magnetic stripe of a bank cash card, an electronic transfer slip read / write unit 16, and an electronic transfer slip read / write unit 16 on which transfer completion information is written. The system includes a transfer slip capturing unit 17 for loading the transfer slip 1 into the apparatus, and a main control unit 18.

The above-mentioned electronic transfer slip read / write section 16
Comprises a transfer slip reading unit and a transfer completion recording unit of the present invention,
When the electronic transfer slip 1 is inserted, various kinds of information recorded on the magnetic stripe 3 are read and output to the main control unit 18,
When the transfer completion information is input from the main control unit 19, the transfer completion information is recorded in a transfer completion recording unit provided on the magnetic stripe 3.

The main control section 18 includes the electronic transfer slip processing section of the present invention, and various information of the magnetic stripe 3 of the electronic transfer slip 1 read by the electronic transfer slip reading / writing section 16 and the bill and coin depositing / dispensing section. When the money amount information recognized by 12 and 13 is input, the information is transmitted to the host computer 20 of the financial institution that manages the present apparatus (ATM) to execute the cash transfer.

When various information of the electronic transfer slip 1, information of the cash card read by the card reader section 15 and information of the personal identification number from the customer operation section 11 are respectively input, the information is transferred to the host computer 20.
To make a transfer by automatic debit.

When the transfer processing by the electronic transfer slip 1 is completed by the host computer 20, the transfer completion information is transmitted to the electronic transfer slip read / write unit 16 to complete the transfer of the magnetic stripe 3 of the electronic transfer slip 1 as described above. Record in the recording unit. In addition, it has a function of controlling the above-described units so that window operations such as depositing and withdrawing can be performed.

Next, the operation until the electronic transfer slip issued by the trader is returned to the trader via the customer and the bank will be described with reference to the flowcharts of FIGS. 3 and 4
Is a flowchart showing the operation of the embodiment. For example, a trader issues a bill for gas usage fee, prints the information (see FIG. 1) on the information printing section 2 of the electronic transfer slip 1 in which the transfer slip is converted into a magnetic card, When various information (see FIG. 1) is recorded by an electronic transfer slip creation device (not shown) and sent to a consumer customer (S1,
S2), the customer receives them and makes a transaction with the automatic transaction device using the electronic transfer slip 1 and cash or a bank card (S3, S4).

First, a transfer method (cash or cash card) is selected on the touch panel displayed on the customer operation unit 11 (S5), and then the electronic transfer slip 1 sent from the trader is inserted from a predetermined insertion slot. (S6) The electronic transfer slip read / write unit 16 reads various information recorded on the magnetic stripe of the electronic transfer slip 1, and the main control unit 19 fetches the information and displays the transfer details on the screen of the customer operation unit 11. (S7).

The customer confirms the details of the transfer displayed on the screen of the customer operation section 11 and performs a confirming operation (S8), and deposits cash according to the selection of the transfer method, in the form of bills and coins (not shown). )) (S9), the bill depositing / dispensing unit 12 and the coin depositing / dispensing unit 13 recognize the respective amounts and output them to the main control unit 18. In addition, a bank card is inserted from a card insertion / ejection opening (not shown) (S1).
0), when the personal identification number is input by operating the customer operation unit 11 (S11), the card reader unit 15 reads the information recorded on the cash card and outputs it to the main control unit 18; The information of the personal identification number based on the operation is output to the main control unit 18.

On the other hand, the main control unit 18 controls the bill depositing / dispensing unit 12.
When the information of the amount recognized by the coin depositing / dispensing unit 13 is input, the information is transmitted to the host computer 20 together with the various information of the electronic transfer slip 1 previously input, and the information of the cash card and the information of the password are input. When done,
As described above, the electronic payment slip 1 is transmitted to the host computer 20 together with the various information of the electronic transfer slip 1 (S12).

When the host computer 20 receives the information on the amount of money and the various information on the electronic transfer slip 1, the host computer 20 authenticates the various information on the electronic transfer slip 1, and if the information is official, the host computer 20 obtains the information from the account number of the transfer destination. Recognize the partner bank and execute the cash transfer process. When the information of the cash card, the information of the personal identification number, and the various information of the electronic remittance slip 1 are received, the various information of the electronic remittance slip 1 is authenticated as described above. Recognition of the business partner bank is performed from the information of the number, and a transfer process by automatic debit is executed (S13). Then, the contents of the transfer processing are notified to the host computer 21 of the business partner bank. When the transfer process is completed, the bank of the trader sends a notice of the completion of the transfer (S18), and the trader receives the report (S19).

At this time, the main control unit 18 controls the statement printing unit 1
4 is activated to issue a payment slip and discharge it from a receipt discharge port (not shown) (S14).
The transfer completion information is output to the write unit 16 and recorded in the transfer completion recording unit of the magnetic stripe 3 of the electronic transfer slip 1 (S1).
5). Then, the transfer slip receiving section 17 is activated to load the electronic transfer slip 1 inserted in the electronic transfer slip reading / writing section 16, and the completion of the transfer procedure is displayed on the customer operation section 11 to notify the customer. Notify (S16, S17).

The electronic remittance slip 1 captured by the remittance slip retrieving unit 17 is stored for a predetermined period as evidence of the completion of the remittance. Then, various information recorded on the magnetic stripe 3 are erased (S20). Then, it is returned to the trader for reuse (S21, S22).

In this embodiment, the electronic transfer slip 1 is described as a magnetic card. However, the above-described various information may be recorded on an IC card or a medium of a new standard and used as the electronic transfer slip.

As described above, in the present embodiment, the transfer slip out of the bill and the transfer slip issued by the trader or the public organization is converted into a magnetic card (electronic transfer slip 1), and the surface of the transfer slip is formed. Information printing unit 2 and magnetic stripe 3 on the back
In the automatic transaction apparatus, an electronic transfer slip read / write unit 16 is provided so that the electronic transfer slip 1 can be read, so that the standard of the bill and the transfer slip can be unified. In addition, there is an effect that the requested fee can be paid efficiently without attaching an OCR device or a barcode reader for reading transfer slips of various formats to the automatic transaction device.

Further, by converting the transfer slip into a magnetic card, the probability of erroneous recognition can be greatly reduced as compared with the case where an OCR device or a barcode reader is used.
There is an effect that the processing time can be shortened.

Further, since the information printing section 2 of the electronic transfer slip 1 and various information on the magnetic stripe 3 are recorded so as to be erasable, they can be reused as a new electronic transfer slip 1, and the resources can be saved without wasting the environment. There is also a secondary effect that leads to improvement of

[0026]

As described above, according to the present invention, an electronic transfer slip in which information on the transfer request is digitally recorded so that the automatic transaction apparatus can read the transfer slip for the charge from a public institution or a trader. Since it is used, there is an advantage that it is not necessary to unify the standard of the bill and the transfer slip made of paper or to attach an OCR device or a barcode reader that reads transfer slips of various formats to the automatic transaction apparatus.

According to the present invention, an automatic transaction apparatus is provided with a transfer slip reading section for reading information recorded on an electronic transfer slip, and an electronic transfer which causes a higher-level apparatus to execute a transfer process according to cash or a bank card. Since the vote processing unit is provided, the probability of erroneous recognition can be greatly reduced and the processing time can be shortened as compared with the case where an OCR device or a barcode reader is used.

[Brief description of the drawings]

FIG. 1 is a diagram showing details of an electronic transfer slip according to an embodiment of the present invention.

FIG. 2 is a block diagram showing a configuration of an automatic transaction device according to an embodiment of the present invention.

FIG. 3 is a flowchart showing the operation of the embodiment.

FIG. 4 is a flowchart following FIG. 3;

[Explanation of symbols]

 REFERENCE SIGNS LIST 1 electronic transfer slip 11 customer operation section 12 banknote deposit and withdrawal section 13 coin deposit and withdrawal section 14 statement slip printing section 15 card reader section 16 electronic transfer slip read / write section 17 transfer slip capture section 18 main control section

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06K 19/06 G07D 9/00 436B G07D 9/00 436 G06K 19/00 B

Claims (3)

[Claims] Claims: 1. An electronic transfer slip for a charge request from a public institution or a trader, in which information relating to the transfer request is digitally recorded so that the contents of the transfer slip can be read by an automatic transaction apparatus. . 2. An automatic transaction apparatus having a customer operation unit, a cash deposit / withdrawal unit, and a card reader unit for reading information recorded on a magnetic stripe of a cash card. A transfer slip reading unit that reads the information, and when the information of the electronic transfer slip read by the transfer slip reading unit and the money amount information recognized by the cash depositing / dispensing unit are input, the information is transferred to a host device. To transfer the information to the electronic transfer slip read by the transfer slip reading unit, the information of the cash card read by the card reader unit, and the information of the personal identification number from the customer operation unit. It has a feature that it has an electronic remittance slip processing unit that transmits such information to the host device when it is input, and executes remittance by automatic debit. Automated teller machine to be. 3. A transfer completion recording unit for recording the information on the electronic transfer slip when the transfer completion information is input from the electronic transfer slip processing unit, and the transfer completion information is written by the transfer completion recording unit. 3. The automatic transaction apparatus according to claim 2, further comprising: a transfer slip receiving unit that loads the electronic transfer slip into the apparatus.