JP2002259690A - Use system for automatic teller machine - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a use system for an automatic teller machine, which enables a non-bank customer to use the automatic teller machine that a bank installs. SOLUTION: Transaction data generated by the automatic teller machine are sent to a mediation center through a bank center and the mediation center stores the received transaction data and also decides a non-bank center to which the transaction data should be sent according to the transaction data to send the data to the non-bank center; and the non-bank center decides whether the transaction can be handled and performs the transaction processing according to the received transaction data and sends the transaction permission decision result and transaction processing result to the mediation center, which adds the data to transaction data having been already stored according to the received transaction permission decision result and sends the received transaction permission decision result and transaction processing result to the bank center.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a cash dispenser (CD) and a cash dispenser (A) installed by a bank.
The present invention relates to a system for using an automatic teller machine for making an automatic teller machine such as TM) available to non-bank customers.

[0002]

2. Description of the Related Art Many city banks use cash dispensers (C
D) Automatic cash transaction equipment such as automatic teller machines (ATMs) are installed in a relatively wide area, but non-banks such as consumer finance companies have not installed or installed automatic cash transaction equipment. Even if it does, it is often a small area.

[0003] In general, between city banks, automatic cash transaction equipment can be used mutually even between different banks. However, in general, an automatic cash transaction machine installed by a city bank has not been made available to non-bank customers for conducting transactions with the non-bank.

[0004]

SUMMARY OF THE INVENTION It is an object of the present invention to provide a system for using an automatic cash transaction machine which enables a non-bank customer to use an automatic cash transaction machine installed by a bank.

[0005]

According to the present invention, there is provided a system for using an automatic teller machine, wherein the bank center to which the automatic teller machine of the bank is connected and the non-bank center comprise the bank and an intermediary company other than the non-bank. Is connected through an intermediary center operated by a non-bank customer, and a non-bank customer operates a bank automatic teller machine using a dedicated card on which information identifying the customer and information identifying the non-bank are recorded. The transaction data generated by the automatic teller machine is transmitted to the mediation center via the bank center of the bank, and the mediation center stores the received transaction data,
Based on the transaction data, the non-bank center to be transmitted is determined and transmitted to the non-bank center. The non-bank center performs the transaction feasibility determination and the transaction processing based on the received transaction data, and also determines the transaction feasibility determination result and the transaction processing result. To the brokerage center, the brokerage center adds the received transaction availability determination result to the already stored transaction data, and sends the received transaction availability determination result and the transaction processing result to the bank center, and the bank center , Sends the received transaction availability determination result and the transaction processing result to the automated teller machine,
The transaction processing is performed according to the received transaction determination result and the transaction processing result.

[0006] When a non-bank customer withdraws cash from a non-bank using an automatic teller machine of a bank,
The bank requests the intermediary company for a reimbursement of the amount corresponding to the withdrawal amount. The non-bank will pay the advance money, the fee for using the automatic teller machine and the brokerage fee to the brokerage company.

[0007] When a non-bank customer deposits cash into the non-bank using an automatic teller machine of the bank, the intermediary company requests the bank to deposit money in an amount corresponding to the deposit amount. Deduct the fee for using the automated teller machine from the deposit and pay it to the intermediary company.Non-bank bills the deposit for the deposit to the intermediary company. Deduct from the deposit and pay.

The dedicated card is issued in the following steps (a) to (d), for example. (A) A step in which the customer applies for membership to the non-bank (b) A step in which the non-bank examines the customer who has applied for membership and passes the personal information of the customer who passed the examination to the intermediary company (c) Receiving the personal information from the customer, creating card issuing data for the customer based on the personal information, and passing the card issuing company to the card issuing company. (D) When the card issuing company receives the card issuing data from the non-bank, the card issuing data Creating a dedicated card based on the above and mailing it to the customer

[0009]

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

[1] Description of System Configuration FIG. 1 shows a configuration of a system for using an automatic teller machine.

An automatic teller machine (ATM, CD) 11 installed by Bank A is connected to Bank A center (Host computer of Bank A) 10. The automatic teller machine 21 installed by Bank B is connected to Bank B center (Host computer of Bank B) 20. A Bank Center 10 and B Bank Center 20
CAFIS (Credit And Finance Information System)
It is connected to an intermediary center (host computer of an intermediary company) 40 via the center 30.

The mediation center 40 has the Internet 5
A plurality of non-bank centers (non-bank host computer) centers 61, 62, and 63 are connected to each other. In this example, 61 is the center of the consumer finance company X, 62 is the center of the consumer finance company Y, and 63 is the center of the consumer finance company Z. In addition,
In this example, management and operation of the brokerage center 40 are performed by a company different from the bank A or B and the consumer finance companies X, Y, and Z (hereinafter, referred to as a brokerage company).

In this system, a customer of a non-bank (consumer finance company X, Y, Z) withdraws cash from the non-bank using an automatic cash transaction machine 11, 21 installed by Bank A or Bank B. Or deposit cash. However, in order for a non-bank customer to use a bank's automated teller machine, the non-bank customer must apply in advance to the non-bank and have it issue a dedicated card to use the automated teller machine. is there.

[2] Description of Mechanism of Dedicated Card Issuance FIG. 2 shows a procedure for issuing a dedicated card to a non-bank customer for using a bank automatic teller machine. In this example, a procedure is shown for a customer of the consumer finance company X to issue a dedicated card for using an automatic teller machine of a bank.

First, the customer 70 of the X consumer finance company applies for membership to the consumer finance company X61 (procedure [1]).
When applying for membership from the customer 70, the consumer finance company X61 performs an examination based on the personal information of the customer, and if the examination is passed, registers the customer.

After registering the customer, the consumer finance company X61 sends the customer's personal information (member information) to the intermediary company 40 (procedure [2]). The intermediary company 40 creates card issuance data based on the member information sent from the consumer finance company X61. Then, the card issuing data is sent to the card making company 80 (procedure [3]). The card creation company 80 creates a dedicated card based on the card issuance data sent from the intermediary company 40 and
0 (step [4]).

On the dedicated card, information for identifying the customer, information for identifying the consumer finance company X, and the like are recorded, and the name and mark of the dedicated card are printed on the surface. As the name and mark of the special card,
Instead of the name or mark of the consumer finance company X61, the name or mark of the intermediary company 40 is used.

Automatic cash transaction equipment 1 of Bank A and Bank B
At the installation locations of the automatic cash transaction machines 1 and 21,
In order to show that 1, 21 can be used using the dedicated card, the name or mark of the intermediary company 40 printed on the dedicated card is presented.

[3] Description of Procedure for Depositing Cash from Non-Bank FIG. 3 shows a procedure when a non-bank customer withdraws cash from the non-bank using an automatic cash transaction machine of the bank. I have. In this example, the customer of the consumer finance company X is A
The procedure in the case where cash is dispensed from the consumer finance company X using the automatic teller machine 11 of the bank is shown.

The customer 60 of the consumer finance company X performs a withdrawal operation on the automatic teller machine 11 of Bank A (procedure [1]). That is, after selecting a withdrawal transaction, a dedicated card is inserted and necessary information (such as a withdrawal amount) is input.

When a dispensing operation is performed on the automatic teller machine 11, the dispensing transaction data including the read information and the input information of the dedicated card is transmitted from the automatic teller machine 11.
It is sent to the mediation center 40 via the A bank center 10 and CAFIS (procedures [2] and [3]).

The intermediary center 40 determines the consumer financial company to which the data is to be transmitted based on the received withdrawal transaction data, and transmits the withdrawal transaction data to the determined consumer financial company center 61 (procedure). [4]). Further, the mediation center 40 creates and stores transaction data based on the received withdrawal transaction data.

The consumer finance company center 61 determines whether or not the current transaction can be permitted based on the received withdrawal transaction data, and performs the withdrawal processing if the current transaction can be permitted. Whether you can approve or not allow this transaction
For example, the determination is made by determining whether or not the customer is a customer who can use the dedicated card, whether or not the customer can withdraw an amount corresponding to the withdrawal amount, and the like.
In the dispensing process, processes such as updating the loan balance and updating the loan upper limit amount are performed.

Then, the consumer finance company center 61
The transaction availability data, loan balance, loan limit, and the like are transmitted to the mediation center 40 (procedure [5]).

The mediation center 40 adds the received transaction feasibility data to the corresponding stored transaction data, and adds the received transaction feasibility data, loan balance, loan limit, etc. to the A bank center 10 via CAFIS. (Step [6]). The transaction availability data, loan balance, loan limit, and the like received by the Bank A center 10 are sent to the automatic teller machine 11 (procedure [7]), and if the current transaction is possible, the automatic teller machine The cash corresponding to the withdrawal amount is released from 11 and a usage statement is issued (procedure [8]). The usage statement describes the current withdrawal amount, loan balance, loan limit, and the like.

The processing of the above procedures [1] to [8] is performed in real time. Procedure to be described

[9] The subsequent processing is performed at a predetermined timing, not in real time.

When the processing in step [8] is performed, Bank A has paid the consumer finance company X an amount corresponding to the withdrawal amount (hereinafter referred to as advance payment). . Bank A makes the above-mentioned reimbursement request to the intermediary company, not to the X consumer finance company (procedure

[9]). The intermediary company pays the advance payment and the fee for using the automatic teller machine 11 to Bank A (procedure [10]).

The intermediary company requests the advance payment to the consumer finance company X (procedure [11]). The consumer financing company X pays the advance money, the fee for using the automatic teller machine 11, and the brokerage commission to the brokerage firm (procedure [12]).

[4] Description of Procedure for Depositing Cash from Non-Bank

FIG. 4 shows a procedure in which a non-bank customer deposits cash in the non-bank using a bank automatic teller machine. In this example, the consumer finance company X
Shows the procedure when the customer deposits cash in the consumer finance company X using the automatic teller machine 11 of Bank A.

The customer 60 of the consumer finance company X performs a deposit operation on the automatic teller machine 11 of Bank A (procedure [1]). That is, after selecting a deposit transaction, a dedicated card is inserted and necessary information (deposit amount, etc.) is input.

When a deposit operation is performed on the automatic teller machine 11, the deposit transaction data including the read information and the input information of the dedicated card is transmitted from the automatic teller machine 11.
It is sent to the mediation center 40 via the A bank center 10 and CAFIS (procedures [2] and [3]).

The intermediary center 40 determines the consumer finance company to which the data is to be transmitted based on the received payment transaction data, and transmits the payment transaction data to the determined consumer finance company center 61 (procedure [4]. ]). Further, the mediation center 40 creates and stores the transaction data based on the received deposit transaction data.

The consumer finance company center 61 determines whether or not the current transaction can be permitted based on the received payment transaction data, and performs a payment process if the transaction can be permitted. Whether the current transaction can be permitted or not can be determined, for example, by determining whether or not the customer is a customer who can use the special card. In the payment processing, processing such as updating the loan balance and updating the loan upper limit is performed.

Then, the consumer finance company center 61
The transaction availability data, loan balance, loan limit, and the like are transmitted to the mediation center 40 (procedure [5]).

The mediation center 40 adds the received transaction feasibility data to the corresponding stored transaction data, and adds the received transaction feasibility data, loan balance, loan limit, and the like to the A bank center 10 via CAFIS. (Step [6]). The transaction availability data, the loan balance, the loan limit, and the like received by the A bank center 10 are sent to the automatic teller machine 11 (procedure [7]). Issued (procedure [8]). The statement of use includes the current deposit, loan balance,
The loan limit is described.

The processing of the above procedures [1] to [8] is performed in real time. Procedure to be described

[9] The subsequent processing is performed at a predetermined timing, not in real time.

When the processing in step [8] is performed, it means that Bank A has deposited an amount (hereinafter, referred to as a deposit) from the consumer finance company X in accordance with the deposit amount. The intermediary company makes a deposit request to Bank A on behalf of X consumer finance company (procedure

[9]). In response, Bank A pays the deposit to the intermediary company (procedure [10]). At this time, Bank A operates the automatic teller machine 11
Will be deducted from the deposit and paid.

The consumer finance company X requests the deposit from the intermediary company instead of the bank A (procedure [11]). The intermediary company pays the deposit to X consumer finance company X (procedure [12]). On this occasion,
The intermediary company pays by deducting the usage fee and the intermediary fee of the automatic teller machine 11 paid to Bank A from the deposit.

[0040]

According to the present invention, non-bank customers can use the automatic cash transaction equipment installed by the bank.

[Brief description of the drawings]

FIG. 1 is a block diagram showing a configuration of a system for using an automatic teller machine.

FIG. 2 is a schematic diagram showing a procedure for issuing a dedicated card for using a bank automatic teller machine to a non-bank customer.

FIG. 3 is a schematic diagram showing a procedure when a non-bank customer withdraws cash from the non-bank using a cash automatic transaction device of the bank.

FIG. 4 is a schematic diagram showing a procedure when a non-bank customer deposits cash into the non-bank using a cash automatic transaction device of the bank.

[Explanation of symbols]

 10, 20 Banking center 11, 21 Automatic teller machine 40 Brokerage center 61, 62, 63 Consumer finance center

 ────────────────────────────────────────────────── ─── Continuing on the front page (72) Inventor Hiroshi Kitagawa 1-2-27 Jomi, Chuo-ku, Osaka City F-term in Sanyo Financial Technology Co., Ltd. (reference) 3E040 AA01 AA03 BA07 BA18 CA20 CB04 EA01

Claims (4)

[Claims] Claims: 1. A bank center to which an automatic teller machine of a bank is connected and a non-bank center are connected through an intermediary center operated by an intermediary company other than the bank and the non-bank, and a non-bank customer The transaction data generated by the automated teller machine by operating the automated teller machine of the bank using the dedicated card on which the information identifying the customer and the information identifying the non-bank are recorded is It is transmitted to the brokerage center via the bank center, and the brokerage center stores the received transaction data, determines the non-bank center to be transmitted based on the transaction data, and transmits it to the non-bank center. Based on the transaction data obtained, transaction feasibility determination and transaction processing are performed. At the same time, the transaction possibility determination result and the transaction processing result are transmitted to the brokerage center, and the mediation center adds the received transaction possibility determination result to the already stored transaction data, and also receives the received transaction possibility determination result and the transaction processing result. To the bank center, and the bank center transmits the received transaction determination result and the transaction processing result to the automated teller machine, and the automatic transaction device transmits the transaction according to the received transaction determination result and the transaction processing result. A system that uses automated teller machines to perform processing. 2. When the non-bank customer withdraws cash from the non-bank using the bank's automatic teller machine, the bank requests the intermediary company for an advance payment of an amount corresponding to the withdrawal amount. The intermediary company pays the advance payment and the fee for using the automatic teller machine to the bank and makes a request for the advance payment to the non-bank. 2. The system for using an automatic teller machine according to claim 1, wherein the payment is made to an intermediary company. 3. When a non-bank customer deposits cash into a non-bank using a bank automatic teller machine,
The intermediary company issues a deposit to the bank in accordance with the amount of the deposit, the bank deducts the fee for using the automatic teller machine from the deposit, and pays the intermediary company, and the non-bank requests the deposit. Claims 1 and 2 in which the intermediary company is billed, and the intermediary company pays by subtracting the commission for using the automatic teller machine and the intermediary commission from the deposit.
The use system of an automatic teller machine according to any one of the above. 4. The exclusive card is provided in the following steps (a) to (d).
2. The system according to claim 1, wherein the system is used according to (d). (A) A step in which the customer applies for membership to the non-bank (b) A step in which the non-bank examines the customer who has applied for membership and passes the personal information of the customer who passed the examination to the intermediary company (c) Receiving the personal information from the customer, creating card issuing data for the customer based on the personal information and passing the card issuing company to the card issuing company. (D) When the card issuing company receives the card issuing data from the non-bank, Creating a dedicated card based on the above and mailing it to the customer