JP2003132398A - Transfer request processing device, transfer request processing method, program for executing transfer request processing method by computer and recording medium recording program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a transfer request processing device capable of receiving a transfer request and carrying out a transfer process to a recipient account in response to the received transfer request. SOLUTION: The transfer request processing device 10 has a request receiving/receipt returning opening 14 receiving the transfer request for requesting a fund transfer to the recipient account, an image reading part 22 reading image data of the received transfer request, and a control part 20 or the like. The control part 20 determines validity of the transfer request by a matching process between the image data of the transfer request read by the image reading part 22 and request definition data recorded in a request definition data base 24, and if the transfer request is valid, it sends a transfer command to a host computer 44 to execute the transfer to the recipient account.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a transfer request processing device for receiving a transfer request form and performing a transfer process.

[0002]

2. Description of the Related Art Conventionally, when paying an examination fee or various admission fees, a financial institution uses a transfer request form in a format specified by the recipient, and the receipt of the financial institution is stamped on the transfer request form. What you have done may be used as an admission ticket, temporary membership card, or evidence of payment. In such cases,
Since a normal ATM (Automatic Teller Machine) only issues a statement in a common format, the customer who is the payer is forced to make a transfer at a financial institution window. Therefore, when the financial institution is crowded, the customer has to wait for a long time at the counter, which is inconvenient. In particular, since the examination fees are paid at a certain time, the congestion level increases and the waiting time tends to increase. In addition, even for a financial institution, in the case of a transfer by a transfer request form, it is not possible to guide the customer to the ATM, so that the number of processes at the counter increases, which is not preferable in promoting the rationalization of business. By the way, in recent years, for payment of some taxes and utility charges, a device called an image ATM has been installed that allows a machine to accept and process a payment slip in a prescribed format and return the receipt with a receipt stamp. Have begun.

[0003]

However, the funds transferred from the image ATM by the transfer request form are once stored in the financial institution, and the paper money is transferred to each payment destination by manual input to the terminal by the paperwork in the financial institution. Payment is being processed. That is, the paperwork after receiving the transfer request form at the image ATM is not much different from the process when it is received at the counter. Therefore, if you try to use the conventional image ATM to handle a wide variety of transfer request forms that are used for transfer requests to various payees, not just tax and public money, the work inside the financial institution becomes extremely complicated. Will end up.

The present invention has been made in view of the above points, and it is possible to receive a transfer request form and perform a transfer process to a recipient account according to the received transfer request form. An object is to provide an apparatus and a transfer request processing method.

[0005]

A transfer request processing apparatus according to the invention described in claim 1 is a request form receiving means for receiving a transfer request form for requesting a transfer of funds to a recipient account, and the receiving form. Execution permission determination means for determining permission / prohibition of transfer execution according to the transfer request form, and execution of transfer processing to the recipient's account on condition that permission determination of transfer execution is made by the execution permission / inhibition determination means And a transfer execution instruction means for outputting an instruction.

According to a second aspect of the present invention, in the transfer request processing apparatus according to the first aspect, the image data acquisition means for acquiring the image data of the accepted transfer request form and the transfer destination are specified. Transfer destination input means for inputting the transfer destination information, and the executability determining means, based on the acquired image data and the input transfer destination information, the received transfer request form and the It is characterized by including validity determining means for determining whether or not the input transfer destination information is valid, and performing permission determination for transfer execution when it is determined by the validity determining means. To do.

Further, in the invention described in claim 3, in the transfer request processing device according to claim 2, the transfer execution instructing means transfers to a recipient account specified by the input transfer destination information. It is characterized by outputting a process execution instruction.

Further, in the invention described in claim 4, in the transfer request processing device according to claim 2 or 3, the validity determining means sets the recipient account specified by the input transfer destination information. On the other hand, a request form definition data acquisition unit that acquires request form definition data corresponding to a predetermined transfer request form, and whether or not the acquired request form definition data and the acquired image data match A consistency determination means is included, and when it is determined that both data are consistent, it is determined that the accepted transfer request form and the input transfer destination information are valid.

Further, in the invention described in claim 5, in the transfer request processing device according to claim 2 or 3, the request form definition data is a database provided with a directory corresponding to each recipient account. It is stored in a corresponding directory, and the request form definition data acquisition means acquires the request form definition data stored in the directory corresponding to the payee account specified by the input transfer destination information. And

Further, in the invention described in claim 6, in the transfer request processing device according to claim 2 or 3, the request form definition data acquisition means is a transfer destination specified by the input transfer destination information. Is provided with a means for acquiring an identifier of the request form definition data corresponding to a predetermined transfer request form, and acquires the request form definition data identified by the acquired identifier.

Further, in the invention described in claim 7, in the transfer request processing device according to claim 2, the validity determining means determines the type of the received transfer request form based on the acquired image data. When the transfer request form of the identified type is provided corresponding to the recipient account specified by the input transfer destination information, the received transfer request form is identified. It is characterized in that the input transfer destination information is judged to be valid.

Further, in the invention described in claim 8, in the transfer request processing device according to claim 7, the request form type identification means determines whether the acquired image data and various request form definition data are consistent with each other. It is characterized in that a transfer request corresponding to the request definition data matched with the acquired image data is identified as the type of the accepted transfer request.

Further, in the invention described in claim 9, in the transfer request processing device according to any one of claims 2 to 8, the request definition data includes a receipt stamp for the transfer request. It is characterized in that it includes data relating to the imprinting position, and is provided with means for imprinting a receipt stamp at the position specified by this data.

The invention described in claim 10 is the transfer request processing device according to any one of claims 2 to 9, wherein the request definition data is related to a stamp tax on the transfer request. Data relating to the display position is included, and a stamp tax display means for displaying the stamp tax is provided at a position specified by this data.

The invention described in claim 11 is, in the transfer request processing device according to claim 10, further comprising means for designating a cash transfer or a transfer from an account as a transfer method, and a cash transfer method. When the transfer is designated and the transfer amount is equal to or more than a predetermined amount, the stamp tax display means displays.

[0016] According to a twelfth aspect of the present invention, in the transfer request processing device according to any one of the second to eleventh aspects, the transfer displayed on the transfer request form based on the acquired image data. A means for identifying the amount of money and a means for inputting the amount of money to be transferred are provided, and the executability judging means comprises:
When the identified transfer amount and the input transfer amount do not match, a transfer execution prohibition determination is performed.

Further, the invention described in claim 13 is, in the transfer request processing device according to any one of claims 2 to 12, payment displayed on a transfer request form based on the acquired image data. It is characterized in that it comprises means for identifying a deadline, and the execution possibility determining means makes a prohibition determination of transfer execution when the identified payment deadline has passed.

Further, according to the invention described in claim 14, in the transfer request processing apparatus according to any one of claims 2 to 13, when the execution permission / inhibition determination means determines that transfer execution is prohibited. A means for returning the accepted transfer request form is provided.

Further, the invention as set forth in claim 15 is a method for performing a transfer process in response to a request for transfer of funds to a payee's account by a transfer request form, wherein the computer responds to the transfer request form. Execution permission / inhibition determination step of determining permission / prohibition of transfer execution
And a transfer execution instruction step of outputting a transfer processing execution instruction to the payee account.

According to a sixteenth aspect of the present invention, in the transfer request processing method according to the fifteenth aspect, a step of acquiring image data of the transfer request form by a computer and specifying an input transfer destination Acquiring the transfer destination information for executing the transfer request form and the acquired transfer based on the acquired image data and the input transfer destination information. It is characterized by including a step of determining whether or not the preceding information is valid, and making a permission determination of the transfer execution when it is determined to be valid by the step.

The invention set forth in claim 17 relates to a program for causing a computer to execute the method set forth in claim 15 or 16, and the invention set forth in claim 18 is set forth in claim 17. The present invention relates to a recording medium on which the described program is recorded.

[0022]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS FIG. 1 is an external view of a transfer request processing apparatus 10 according to a first embodiment of the present invention. The transfer request processing device 10 is installed at a business store of a financial institution or an ATM corner or the like provided at various places outside the store.
As shown in FIG. 1, the transfer request processing device 10 includes a touch panel type display device 12 (however, a display unit and an input operation unit may be separately provided) for performing various types of display and input operation from a customer. Request form acceptance / receipt return port for accepting and returning request forms 1
4, a banknote deposit / withdrawal unit 16 for depositing / dispensing banknotes, a coin deposit / withdrawal unit 17 for depositing / dispensing coins, a card acceptance port 18 for accepting / returning a cash card, a passbook accept / return It is provided with a passbook reception opening 19 and the like for carrying out.

FIG. 2 is a block diagram of the entire system including the transfer request processing device 10. As shown in FIG. 2, the transfer request processing device 10 includes a control unit 2 including a microcomputer and the like.
Controlled by 0. The control unit 20 includes the image reading unit 2
2, receipt stamping unit 24, cutting unit 26, printing unit 28, amount counting unit 30, card reading unit 32, statement slip printing unit 3
4, the passbook printing unit 36, the journal printing unit 38, the line control unit 40, the above-mentioned touch panel type display unit 12 and the like are connected. The image reading unit 22, the receipt stamping unit 24, the cutting unit 26, the printing unit 28, and the request receipt / receipt return port 14 described above are provided in the request reading / printing unit 4.
Make up 2.

The image reading unit 22 reads the image of the transfer request accepted by the request acceptance / receipt return port 14 and supplies the image data to the controller 20. The receipt stamping unit 24 stamps a predetermined receipt stamp on the transfer request form at a position designated by the control unit 20. The cutting unit 26 is the CPU 22
The transfer request form is cut at the position instructed by, and the cut part corresponding to the receipt or the like is returned from the request form reception / receipt return port 14. The printing unit 28 prints the designated character or the like on the transfer request form at the position designated by the control unit 20. The money amount counting unit 30 includes a banknote deposit / withdrawal unit 16 and a banknote deposit / withdrawal unit 17.
The amount of cash deposited in (hereinafter referred to as the deposit / withdrawal unit 48) is detected, and the result is supplied to the control unit 20. The card reading unit 32 reads an account number, a personal identification number, and the like from the magnetic code of the cash card inserted into the card receiving port 18, and supplies the read data to the control unit 20.
The statement slip printing unit 34, in response to an instruction from the control unit 20,
The details of the transaction processed by the transfer request processing device 10 are printed as a statement slip. The passbook printing unit 36 prints the passbook received by the passbook receiving unit 19 in accordance with an instruction from the control unit 20 and records the deposit amount and the like. The journal printing unit 38 prints a journal for collectively recording transaction details at the time of daily total settlement for business records. The touch panel type display unit 12 displays the screen of the contents instructed by the control unit 20 and supplies the input contents on the panel to the control unit 20.

Further, as shown in FIG. 2, the control unit 20 of the transfer request processing apparatus 10 is connected to the host computer 44 that manages the account of the financial institution via the line control unit 40. It is possible to output an instruction such as transfer of funds between accounts to the host computer 44.

Further, the control unit 2 of the transfer request processing device 10
A request form definition database 46 is connected to 0.
The request form definition database 46 is a database in which characteristic patterns of each type of transfer request form are recorded. Figure 3
5 shows some examples of the transfer request form. this house,
The transfer request form of FIG. 3 is divided into two parts. When the transfer is performed, a receipt stamp is stamped on each part, and the left part is returned to the customer as a receipt. In addition, the transfer request form of FIG. 4 is divided into three parts. When the transfer is performed, a receipt stamp is stamped on each part, the left end part is returned to the customer as a receipt, and the central part is the transfer notice. It will be sent to the payee after being collected by the financial institution. Further, the transfer request form shown in FIG. 5 is for transfer of entrance fee, and is divided into three parts, each part is stamped with a receipt stamp, of which the right end part is a transfer acceptance certificate, In addition, the central portion is returned to the customer as a receipt. In the request form definition database 46, for various types of transfer request forms, request form definition data (for example, the size of the frame, the character unique to the payment slip, and the character Position, receipt stamp position,
The display position of the transfer amount, the payment display position according to the stamp fee, the receipt display erase print position, the fee print position, the receipt cut position, the payment deadline, the payment deadline display position, etc.) are recorded. You can refer to these data. Although FIG. 2 shows an example in which the request form definition database 46 is provided in the transfer request processing device 10, the request form definition database 46 is provided outside the transfer request processing device 10 to provide a plurality of transfer request processes. The apparatus 10 may be configured so that the common request form definition database 46 can be referred to.

FIG. 6 shows the directory structure of the request form definition database 46. As shown in the figure, in the present embodiment, the directory structure of the request form definition database 46 has a hierarchical structure of a transfer destination bank, a sales office, an account subject, and an account number. The request form definition data of the transfer request form for the corresponding payee account is stored in a directory (hereinafter referred to as a request form directory) hierarchically represented by the account subject and the account number.

In addition, a plurality of types of transfer request forms may be used for the same payee account, and in that case, a plurality of request form definition data should be stored in the request form directory corresponding to the payee account. become. Further, the same transfer request form may be commonly used for a plurality of payee accounts, in which case the same request form definition data is stored in the plurality of request form directories. In the example of FIG. 6, the transfer request form 2 of the travel agency A for the transfer to the payee account “Bank A / Sakura Branch / Regular / 254678”
And the transfer request form 3 of the travel company B is used, and the transfer request form 2 of the travel company A is also used for transfer to the payee account “Bank B, head office, normal, 9876543”. ing.

Further, FIG. 6 shows an example in which the directory structure is hierarchized, but it is not always necessary to hierarchize, and the transfer destination bank name, sales office name, account subject, account number and directory are Any configuration may be used as long as it has a one-to-one correspondence.

The contents of processing by the transfer request processing device 10 will be described below. The various processes executed by the transfer request processing apparatus 10 in this embodiment are performed by the transfer request processing apparatus 10 by reading and executing a program stored in a storage device such as a memory.

The control unit 20 displays the initial menu screen as
A screen for selecting a transaction method such as “payment”, “payment”, “transfer”, “transfer by transfer request form” is displayed on the touch panel type display unit 12. The transfer requester can perform transfer using the transfer request form by selecting "transfer by transfer request form" as the transaction method in this initial menu. In the following, the process when "transfer by transfer request form" is selected, and the process when a transaction method other than "transfer by transfer request form" is selected is the same as in normal ATM. Therefore, the description thereof is omitted.

FIG. 7 shows an example of a transfer request document in a state where it has been processed by the transfer request processing device 10. As shown in FIG. 7, a receipt stamp 50 is imprinted at a predetermined position on the processed deposit request form by the receipt stamp imprinting unit 24, and the deposit unit 52 sends the deposit requester name and client number to the receipt unit 52 by the printing unit 28. The fee is printed, and further, the receipt printing 54 and the stamp tax payment printing 56 are made as necessary. And
The cut section 26 cuts along the cut line 58, and the receipt section 52 is returned to the transfer requester.

FIG. 8 and FIG. 9 are flowcharts showing the overall flow of the processing executed by the control unit 20 when "transfer by transfer request form" is selected.

As shown in FIG. 8, when "transfer by transfer request" is selected on the initial menu screen, first, in step 100, a screen for designating a transfer method (cash transfer or transfer from a deposit account). Is displayed on the touch panel type display unit 12. Then, in step 102, it is determined whether cash transfer or transfer from an account has been designated.

As a result of the discrimination processing in step 102, if the transfer from the account is designated, a message screen prompting the insertion of the cash card is displayed in step 104, and the cash card is displayed in the card receiving slot 1.
When it is inserted into 8, the password input screen is displayed. Next, in step 106, it is determined whether or not the personal identification number read by the card reading unit 32 from the cash card coincides with the input personal identification number. As a result, if the two personal identification numbers do not match, in step 108,
A message to that effect is displayed, and after the cash card is returned from the card reception opening 18, the process ends and the initial menu screen is displayed.

On the other hand, if the two personal identification numbers match in step 106, then in steps 110 to 114, the payee information (ie, payee financial institution, business office,
Account item and account number), client information (transfer requester name, client number, etc.), and a series of input screens for entering the transfer amount are displayed, and the data input by the transfer requester on each input screen Is obtained.

Next, in step 116, whether the input transfer destination information is correct (that is, whether there is an account corresponding to the input transfer destination information) is a result of the inquiry to the host computer 44. It is determined based on As a result, if the transfer destination information is incorrect, a message to that effect is displayed in step 118, and after the cash card is returned from the card reception opening 18,
The process ends and the initial menu screen is displayed. on the other hand,
If the transfer destination information is correct, the process of step 120 is executed.

On the other hand, if cash transfer is designated as the transfer method as a result of the determination processing in step 102, steps 110 to 1 are executed in steps 120 to 124.
Similarly to 14, the transfer destination information, the transfer requester information, and the transfer amount are input, and then the process of step 120 is executed.

At step 120, it is judged if the current time is within the transfer time of the day. Here, the transfer time on the day means a time period during which the transfer is executed to the transfer destination account on the day when the transfer request is made, for example, from 9:00 to
14:00 is the transfer time on the day. In step 120,
If it is determined that it is within the transfer time on the day, the process proceeds to step 126. On the other hand, if it is determined that it is outside the transfer time on the same day, in step 128, a message screen indicating that the transfer will be the next business day is displayed. This screen includes an "OK" button and a "cancel" button, and it is determined which button was selected in step 130. As a result, when the "Cancel" button is selected, the process ends and the initial menu screen is displayed. On the other hand, "O
If the “K” button is selected, the process proceeds to step 126.

At step 126, a message screen prompting the insertion of the transfer request form is displayed. Then, when the transfer request form is inserted into the request form reception / receipt return port 14 and accepted, in step 132, the accepted transfer request form and the transfer destination information input in step 110 are valid. The validity determination process of whether or not there is is performed.

FIG. 10 is a flowchart of the determination processing routine executed in step 132. As shown in FIG. 10, first, in step 200, the request form directory specified by the input transfer destination information (that is, the transfer destination financial institution, sales office, account subject, and account number) is stored in the request form definition database 46. It is determined whether or not it exists. As a result, if the request form directory does not exist,
In step 202, it is determined that the transfer request form is not valid, the routine ends, and the process proceeds to step 134 in FIG. On the other hand, if the request form directory exists in step 200, then the process of step 204 is executed.

In step 204, the image data of the transfer request form read by the image reading unit 22 is acquired. Then, in step 206, it is determined whether or not both of the data match by the matching processing of the acquired image data and the request form definition data stored in the request form directory specified in step 202. In addition,
If a plurality of request form definition data is stored in the request form directory, it is determined in step 206 that the image data of the transfer request form and the request form definition data match if any of the request form definition data matches. It shall be.

If the image data of the transfer request form and the request form definition data do not match as a result of the determination processing in step 206, it is determined in step 202 that the transfer request form is not valid, and this routine ends, Proceed to step 134 in FIG.

On the other hand, if it is determined in step 206 that the image data of the transfer request and the request definition data match, it is determined in step 210 that the transfer request is valid. In this case, next step 21
In 2, the transfer amount description position, whether there is a payment deadline, from the request form definition data that matches the image data of the transfer request form,
The data of the payment deadline display position, the receipt stamp imprint position, the stamp tax payment display position, the receipt display erase print position, the fee amount print position, and the receipt cut position are acquired.

Next, at step 214, the transfer amount displayed in the transfer request form is acquired from the image data of the transfer request form using the data of the transfer amount description position. Depending on the transfer request form, the payment amount may be displayed as a barcode in addition to the numbers.For such transfer request forms, the barcode that allows more accurate recognition will be given priority. Then, the transfer amount is identified, and when the bar code cannot be read, the transfer amount described in numbers is identified.

Next, in step 216, it is judged whether or not the transfer request form has a payment deadline, and if there is no payment deadline, this routine ends and step 14 in FIG.
Go to. If there is a payment deadline, step 218.
At, after the payment deadline is identified from the image data of the transfer request form using the data of the payment deadline described position, the present routine ends and proceeds to step 134 of FIG. 9.

At step 134 shown in FIG. 9, the validity judgment result in the judgment processing routine is judged. As a result, if it is determined to be invalid, a message to that effect is displayed in step 136. in this case,
In step 138, the transfer request form is returned from the transfer request reception / receipt return port 14, and when the transfer method is transfer from an account, the cash card is returned from the card reception port 18 in step 140. The process ends and the initial menu screen is displayed. On the other hand, when it is determined to be valid in step 134,
Next, the process of step 142 is executed.

In step 142, the above step 114
The transfer amount entered by the transfer requester and the above step 2
It is determined whether or not the transfer amount identified in 12 matches. As a result, if the transfer amounts do not match, a message to that effect is output in step 144, and then the processing ends via steps 138 and 140 above.
The initial menu screen is displayed. On the other hand, step 142
If the both transfer amounts match in step 146, then in step 146, it is determined in step 216 that the payment deadline is present, and whether or not the payment deadline has expired. At step 148
After the message indicating that the product cannot be handled due to the expiration of the deadline is displayed, the process is terminated through steps 138 and 140, and the initial menu screen is displayed. On the other hand, when the payment deadline has not passed (or when there is no payment deadline), the process of step 150 is executed.

In step 150, a transfer content confirmation screen including the transfer request content and the "confirm" button is displayed, and in the following step 152, it is determined whether or not the "confirm" button is selected on this screen. Then, when the "confirm" button is selected, in step 154, it is determined whether the payment method is transfer from an account or cash. As a result, if the payment method is cash, a message screen prompting cash deposit to the deposit / withdrawal section 48 is displayed in step 156, and when cash is deposited and the lid of the deposit / withdrawal section 48 is closed, in step 158. After the amount of money deposited in the deposit / withdrawal unit 48 is detected by the amount counting unit 30 and the detected amount of money is acquired, the process proceeds to step 160. on the other hand,
In step 154, if the transfer is from an account, the process immediately proceeds to step 160.

At step 160, it is judged whether or not the transfer requester's account balance or the deposit amount to the deposit / withdrawal port 48 is sufficient for the deposit amount. As a result, if the account balance or the deposit amount is insufficient, a message to that effect is displayed in step 162, the transfer request form is returned from the request receipt / receipt return port 14, and If transfer is specified, the cash card will be returned from the card reception opening 18, and if cash transfer is specified, cash will be returned from the deposit / withdrawal opening 48, and then the processing will end and the initial menu screen will be displayed. To be done.
On the other hand, if the account balance or the deposit amount is not insufficient in step 160, then the process of step 164 is executed.

At step 164, a transfer process is executed. That is, the transfer amount is transferred to the host computer 44 to the recipient account specified by the transfer destination information,
Further, when the transfer method is transfer from an account, an instruction to the effect that the transfer amount and the total amount of the fee should be deducted from the transfer source account read from the cash card is transmitted. Although the fee amount may vary depending on the recipient, the fee amount is acquired based on the fee data sent from the host computer 44. Alternatively, fee data may be included in the request form definition data.

Next, in step 166, the receipt stamp imprinting section 24 prints the receipt stamp imprinting and the commission amount at the receipt stamp imprinting position and the commission printing position acquired in step 212, respectively.

Next, in step 168, it is determined whether the transfer method is cash or transfer from an account. In the case of transfer from the account, the printing unit 28 in step 170 acquires the transfer method in step 218. At the clearing printing position, clearing printing is performed for deleting the receipt display, and further, at step 172, the card receiving port 1
The cash card will be returned from 8. On the other hand, in the case of cash transfer in step 168, it is determined in step 174 whether or not the transfer amount is 30,000 yen or more. The stamp tax separate payment display is printed at the stamp tax separate payment display position acquired in step 212.

In addition, in the case of transfer from the account, the receipt display clearing printing is not performed, and the stamp tax separate payment printing is not performed. In the case of transfer from the account, the financial institution actually stores the cash. Because it does not exist.

Finally, in step 178, after the transfer request form is cut at the receipt cutting position acquired in step 212 by the cutting unit 26, the cut receipt unit 52 receives the request receipt / receipt. It is returned from the return port 14.

As described above, in the present embodiment, the validity of the transfer request form received at the request reception / receipt return port 14 and the input transfer destination information is determined, and if the transfer request information is appropriate, The transfer processing to the payee's account is executed.
That is, according to the present embodiment, it is possible to transfer money from the transfer request processing device 10 to the payee's account by using the transfer request statement, and when using a transfer request statement that does not match the transfer destination information, It is possible to prevent the transfer from being executed when the destination information is erroneously input. For this reason,
It is possible to guide the transfer requester who wants to make a transfer request to the transfer request processing device 10 using the transfer request form. Therefore, according to the present embodiment, it is possible for the financial institution to significantly reduce the transfer request processing work and improve the work efficiency, and also for the transfer requester, there is no need to wait for a long time at the counter. And convenience increases.

Further, in the present embodiment, in determining the validity of the transfer request form and the transfer destination information, first, based on the transfer destination information input by the transfer requester, there is a request form directory corresponding to this. Or not. Therefore, if the input transfer destination information is incorrect, it can be immediately detected that the corresponding request form directory does not exist and the transfer requester can be notified. That is, when the transfer destination information has an erroneous input, the erroneous input can be detected before the matching process of the image data is performed, so that the client can be immediately notified.

Further, when the transfer request and the transfer destination information are judged to be valid and the transfer processing is performed, a receipt stamp is stamped at a predetermined position of the transfer request and the receipt portion is sent to the transfer requester. Will be returned. Therefore, even when the receipt of the transfer request form is used as an examination voucher, a temporary membership card, a payment evidence document, or the like, the transfer request processing device 10 of the present embodiment can handle it.

Further, the stamp position of the receipt stamp varies depending on the type of the transfer request form, but in the present embodiment, various data can be obtained by including the data regarding the stamp stamp position in the request definition data. Receipt can be stamped in the correct position on the transfer request form.

Similarly, with respect to the stamp tax payment printing and the receipt printing erase printing, the printing position differs depending on the transfer request form. However, in the present embodiment, the data concerning these printing positions should be included in the request form definition data. As a result, these can be printed at the correct position for various transfer request forms.

If the transfer amount read from the transfer request and the transfer amount input by the transfer requester do not match, it is prohibited to execute the transfer process, so that the transfer amount is different from the transfer requester's intention. Prevent the transfer process from being executed,
The transfer requester can be given the opportunity to reconfirm the transfer amount.

Further, with respect to the transfer request form for which the payment deadline is set, since the execution of the transfer process is prohibited after the payment deadline has passed, the transfer requester does not notice the deadline (or notices the deadline has passed). Even when the transfer request is intentionally made, it is possible to prevent the transfer process after the expiration of such a deadline.

Next, another embodiment of the present invention will be described. In each of the following embodiments, the parts different from the first embodiment will be mainly described, and the description of the overlapping parts will be omitted.

First, a second embodiment of the present invention will be described. In this embodiment, the request form data is recorded in the request form definition database 46 without being divided for each directory. Further, as shown in FIG. 11, for each recipient, there is a correspondence relationship between the recipient account information (financial institution, sales office, account subject, account number) and identification information (for example, file name) of the request definition data. The recorded request form determination table is stored in the transfer request processing device 10 or the transfer request processing device 1
It is provided in a storage device that can be referenced from 0. Then, the control unit 20 executes the determination processing routine shown in FIG. 12 in place of the request form validity determination processing routine of FIG. Note that in FIG. 12, steps that perform the same processing as in FIG. 10 are given the same reference numerals.

As shown in FIG. 12, first, step 300
At, it is determined whether or not the recipient account information corresponding to the transfer destination information input by the transfer requester is recorded in the request form determination table. As a result, if not recorded, it is determined in step 202 that the transfer request form and the transfer destination information are not valid, and this routine ends. On the other hand, when the corresponding recipient account information is recorded in step 300, after the image data of the transfer request form is acquired in step 204, in step 302,
The identification information of the request form definition data corresponding to the recipient account information is acquired from the request form determination table. Then, in step 304, it is determined whether or not the image data of the transfer request form and the request form definition data specified by the acquired identification information match. When there are a plurality of request form definition data corresponding to the recipient account information, if any of the request form definition data matches, it is determined that both data match. As a result of the determination processing in step 304, if the image data of the transfer request and the request definition data match, it is determined in step 210 that the transfer request and the transfer destination information are valid, and the subsequent processing is performed. If they do not match, it is determined in step 202 that the transfer destination request form and the transfer destination information are not valid.

As described above, in the present embodiment, the request form discrimination table is referred to obtain the identification information of the request form definition data corresponding to each recipient account information, and the corresponding request form definition data is obtained from this identification information. To get. Therefore, even when the same request form definition data corresponds to a plurality of recipient account information, it is sufficient to record one request form definition data in the request form definition database 46, and the capacity of the database is reduced. be able to.

Further, in this embodiment, similarly to the first embodiment, in the validity judgment processing of the transfer request form and the transfer destination information, first, based on the transfer destination information input by the transfer requester. , It is determined whether or not the corresponding payee account is recorded in the request form determination table. Therefore, if there is an error in the input payee information, immediately check that the corresponding payee account is not recorded. The erroneous input can be detected and the transfer requester can be notified.

Next, a third embodiment of the present invention will be described. In this embodiment, as in the second embodiment, the request form definition data is recorded in the request form definition database 46 without being divided into directories, and each request form definition data is given a unique request form ID. I'll do it. In addition, FIG.
As shown in, request form IDs for various transfer request forms
And the payee account table in which the correspondence relationship between the payee and the payee's account information (bank name, sales office name, account subject, and account number) is recorded in the pay request processing device 10 or the pay It is provided in a storage device that can be referred to by the request processing device 10. Then, the control unit 20 executes the determination processing routine shown in FIG. 14 in place of the determination processing routine of FIG.

The determination processing routine shown in FIG. 14 will be described below. In FIG. 14, steps that perform the same processing as in FIG. 10 are given the same reference numerals.
As shown in FIG. 14, in the present embodiment, step 204
After the image data of the transfer request form is acquired in step 4,
At 00, a matching process is performed between this image data and the request form definition data recorded in the request form definition database 46. At step 402, is there any request form definition data that matches the image data of the transfer request form? It is determined whether or not. As a result, if there is no matching request form definition data, it is determined in step 202 that the transfer request form and the transfer destination information are not valid.

On the other hand, if there is a matching request form definition data in step 402, then in step 404.
At, the request form ID of the request form definition data that matches the image data of the transfer request form is acquired. Then, in step 406, the recipient account information corresponding to the acquired request form ID is acquired by referring to the recipient account table shown in FIG. 13, and in the following step 408, the acquired recipient account information and the transfer It is determined whether or not the transfer destination information input by the client matches. The request form ID
If there is a plurality of recipient account information corresponding to the above (that is, there are a plurality of recipient accounts for the same recipient), if the transfer destination information matches any of the recipient account information, step 408 In, it is determined that the two pieces of information match.

As a result of the determination processing in step 408, when it is determined that the recipient account information and the transfer destination account information do not match, it is determined in step 202 that the transfer request form and the transfer destination information are not valid, On the other hand, if it is determined that the payee account information and the transfer destination account information match, it is determined in step 210 that the transfer request form and the transfer destination information are valid, and the subsequent processing is performed.

As described above, in the present embodiment, since the request form definition data that matches the image data of the transfer request form is identified and the request form ID is acquired, the accepted transfer request form and the input transfer destination Even if the information is not valid, the recipient account corresponding to this transfer request form can be specified. Therefore, for example, by presenting the recipient account specified in this way to the transfer requester as the correct transfer destination information, when the client inputs the transfer destination again, the input can be performed accurately. it can.

[0073]

According to the present invention, it is possible to receive a transfer request form by the transfer request processing device and perform the transfer process to the payee's account according to the received transfer request form.

[Brief description of drawings]

FIG. 1 is an external view of a transfer request processing apparatus according to a first embodiment of the present invention.

FIG. 2 is an overall configuration diagram of a system including a transfer request processing device.

FIG. 3 is a diagram showing an example of a transfer request form.

FIG. 4 is a diagram showing an example of a transfer request form.

FIG. 5 is a diagram showing an example of a transfer request form.

FIG. 6 is a diagram showing a directory structure of a request form definition database in the present embodiment.

FIG. 7 is a diagram showing an example of a transfer request document processed in a transfer request processing device.

[Figure 8] "Transfer by transfer request form" on the initial menu screen
6 is a flowchart (No. 1) showing the overall flow of processing executed by the CPU when is selected.

[Figure 9] "Transfer by transfer request form" on the initial menu screen
6 is a flowchart (No. 2) showing the overall flow of processing executed by the CPU when is selected.

FIG. 10 is a flowchart of a determination processing routine for determining the validity of a transfer request document and transfer destination information.

FIG. 11 is a diagram showing an example of a request form determination table used in the second embodiment of the present invention.

FIG. 12 is a flowchart of a determination processing routine for determining the validity of a transfer request document and transfer destination information in this embodiment.

FIG. 13 is a diagram showing an example of a payee account table used in the third embodiment of the present invention.

FIG. 14 is a flowchart of a determination processing routine for determining the validity of a transfer request form and transfer destination information in the present embodiment.

[Explanation of symbols]

10 Transfer request processing device 12 Touch panel display 14 Request acceptance / receipt return port 20 Control unit 22 Image reader 24 Receipt stamping part 26 Cut section 28 Printing section 30 Money Counting Unit 44 Host computer 46 Request Form Definition Database

   ─────────────────────────────────────────────────── ─── Continued front page    (72) Inventor Yasuhisa Yoshida             1 Ikegami Stock Market, Haruoka Town, Owariasahi City, Aichi Prefecture             Hitachi, Ltd. Information Equipment Division F-term (reference) 3E040 AA06 BA07 CA14 CB04 EA01                       FH04 FH06 FJ05

Claims (18)

[Claims] 1. A request form acceptance means for accepting a transfer request form for requesting a transfer of funds to a recipient account, and an executability judging means for deciding whether to permit / prohibit a transfer in accordance with the accepted transfer request form. And a transfer execution instruction unit that outputs an instruction to execute the transfer process to the recipient account, provided that the execution permission / inhibition determining unit determines that the transfer execution is permitted. apparatus. 2. The transfer request processing device according to claim 1, wherein an image data acquisition unit that acquires image data of the accepted transfer request form, and a transfer destination to which transfer destination information for specifying a transfer destination is input. An input unit, the executability determination unit, the acquired image data,
A validity determining unit that determines whether the received transfer request form and the input transfer destination information are valid based on the input transfer destination information, and is valid by the validity determining unit A transfer request processing apparatus, characterized in that the transfer execution permission is determined when it is determined that the transfer request processing is permitted. 3. The transfer request processing device according to claim 2, wherein the transfer execution instruction means outputs an instruction to execute a transfer process to a payee account specified by the input transfer destination information. Transfer request processing device. 4. The transfer request processing device according to claim 2 or 3, wherein the validity determining unit applies a transfer request form predetermined to a recipient account specified by the input transfer destination information. Request data definition data acquisition means for acquiring corresponding request data definition data, and consistency determination means for determining whether or not the acquired request data definition data and the acquired image data match, both data The transfer request processing apparatus, wherein the transfer request processing unit and the input transfer destination information are determined to be valid when it is determined that the transfer request information and the input transfer destination information are valid. 5. The transfer request processing device according to claim 2, wherein the request definition data is stored in a corresponding directory of a database provided with a directory corresponding to each payee account, The request form definition data acquiring means acquires the request form definition data stored in the directory corresponding to the recipient account specified by the input transfer destination information. 6. The transfer request processing apparatus according to claim 2 or 3, wherein the request definition data acquisition means is a transfer request form predetermined for a transfer destination specified by the input transfer destination information. A transfer request processing apparatus comprising: a means for acquiring an identifier of request form definition data corresponding to the request form, and acquiring the request form definition data identified by the acquired identifier. 7. The transfer request processing apparatus according to claim 2, wherein the validity determining unit includes a request form type identifying unit that identifies a type of the received transfer request form based on the acquired image data, The transfer request form of the identified type is
It is characterized in that the received transfer request form and the input transfer destination information are determined to be valid when the transfer account corresponds to the recipient account specified by the input transfer destination information. Transfer request processing device. 8. The transfer request processing apparatus according to claim 7, wherein the request form type identification means performs a consistency determination process between the acquired image data and various request form definition data to obtain the acquired image data. A transfer request processing device, characterized in that a transfer request corresponding to matched request definition data is identified as the type of the received transfer request. 9. The transfer request processing device according to any one of claims 2 to 8, wherein the request form definition data includes data on a stamp position of a receipt stamp on the transfer request form, A transfer request processing device comprising means for imprinting a receipt stamp at a position specified by this data. 10. The transfer request processing device according to any one of claims 2 to 9, wherein the request definition data includes data regarding a position of a display relating to a stamp tax on the transfer request. A transfer request processing device comprising a stamp tax display means for displaying the stamp tax at a position specified by this data. 11. The transfer request processing device according to claim 10, further comprising means for designating a cash transfer or a transfer from an account as the transfer method, wherein cash transfer is designated as the transfer method, and the transfer amount is A transfer request processing device, wherein the stamp request display means displays the stamp tax when the amount is equal to or more than a predetermined amount. 12. The transfer request processing device according to claim 2, wherein the transfer amount is displayed on a transfer request form based on the acquired image data, and the transfer amount is A transfer request, characterized in that the execution possibility determination means makes a transfer execution prohibition determination when the identified transfer amount and the input transfer amount do not match. Processing equipment. 13. The transfer request processing device according to claim 2, further comprising a unit for identifying a payment deadline displayed on the transfer request form based on the acquired image data, The transfer request processing device, wherein the permission / prohibition determination means determines whether or not the transfer is to be executed when the identified payment deadline has passed. 14. The transfer request processing device according to any one of claims 2 to 13, wherein the accepted transfer request form is returned when the execution permission / inhibition determination unit makes a transfer execution prohibition determination. A transfer request processing device comprising means. 15. A method for performing a transfer process in response to a request for transfer of funds to a payee account by a transfer request form,
Execution permission / inhibition determination step of determining permission / prohibition of transfer execution according to the transfer request form by the computer, and transfer to the recipient's account on condition that permission determination of transfer execution is made in the execution permission / inhibition determination step. A transfer request processing method comprising: executing a transfer execution instruction step of outputting a process execution instruction; 16. The transfer request processing method according to claim 15, wherein the computer acquires the image data of the transfer request, and the input transfer destination information for specifying the transfer destination. And the execution possibility determination step is based on the acquired image data and the input transfer destination information, whether the transfer request form and the acquired transfer destination information are valid or not. A transfer request processing method, characterized in that the transfer execution permission determination is performed when it is determined to be appropriate by the step. 17. The computer according to claim 15 or 16.
A program for executing the described method. 18. A recording medium on which the program according to claim 17 is recorded.