JP2003281379A - Information distribution system for transfer processing - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To improve the performance of a painter built in an automatic teller machine (ATM) to provide an information communication system capable of distributing a document concerned with transfer through a financial institution while considering that transfer processing through an information terminal is made available. <P>SOLUTION: In the information distribution system prepared for transfer processing and provided with an accounting system for managing customers' accounts, a transfer receiving system for managing transfer processing and a communication processor for processing communication with the external of the transfer receiving system, each customer's account is provided with a distribution document data base for recording a document file to be distributed from a claimer to a payer and data constitution having a document file name distributed from the claimer at the time of executing transfer processing and a distributed document flag recording the issue of the document file, and when the customer's account of the payer is referred to, the transaction history of the customer's account is transmitted, a document file name not distributed is also retrieved on the basis of the distribution document flag and the retrieved document file is also transmitted from the distribution document file data base. <P>COPYRIGHT: (C)2004,JPO

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an information distribution system associated with a transfer process of an automatic teller machine.

[0002]

2. Description of the Related Art Regarding a transfer processing system, for example, Japanese Patent Laid-Open No.
The 2000-132614 publication describes a configuration for managing the transaction history of a customer account. Further, Japanese Patent Laid-Open No. 6-103296 discloses a configuration for communicating the result of reservation transfer.

[0003]

In the conventional transfer processing, funds were transferred by a financial institution and transfer-related documents were separately distributed by mail or the like. As a result, in addition to costs such as postage, work such as creating distribution documents has occurred.

An object of the present invention is to provide an automatic teller machine (AT).
Providing an information communication system that makes it possible to distribute transfer-related documents via financial institutions in consideration of the higher performance of the printing device provided in M) and the fact that transfer processing by information terminals has become possible. To do.

[0005]

[Means for Solving the Problems] The above object is to process an accounting system that manages a customer account, a transfer acceptance system that manages a transfer process, and communication between the accounting system and the outside of the transfer acceptance system. In an information distribution system including a communication processing device, a distribution document database recording a document file distributed by a claimant to a payer, a document file name distributed by the claimant when performing a transfer process, and the document file The customer account is provided with a data structure having a distribution document flag for recording that it has been issued, and when the customer account of the payer is referred to, the transaction history of this customer account is transmitted and the distribution document flag is sent. Retrieval by searching for the document file name that should be distributed by and sending this document file from the distributed document database. It is.

[0006] The above object is provided with a billing system for managing a customer account, a deposit acceptance system for managing a deposit process, and a communication processing device for processing communication between the deposit system and the outside of the deposit acceptance system. In the information distribution system, a distribution document database that records document files that the biller distributes to the payer, a document file name that the biller distributes when performing the transfer process, and a record that the document file is issued. A data structure having a distribution document flag to be provided to the customer account, the communication processing device directs cash deposit / withdrawal and transfer of funds between customer accounts of the previous period, and is connected to an automated teller machine having a printing device. When the customer account of the payer is referred to, the transaction history of this customer account is transmitted, and it is distributed by the distribution document flag. Searching Rubeki the document file name and transmits the document file from the distribution document database is achieved by issuing to print the document file in the printing device of the automatic teller machine.

[0007] The above object is the automatic teller machine having a recording device, wherein when a customer account of a payer is referred to, a transaction history of this customer account is transmitted and the transaction history is distributed by the distribution document flag. The document file name to be sent is searched and transmitted, the record of the document file in the recording device is searched, and if the document file is recorded in the recording device, the document file is acquired from the recording device. If the document file is not recorded in the recording device, it is achieved by acquiring this document file from the distribution document database.

[0008] The above object is provided with a billing system for managing a customer account, a deposit acceptance system for managing a deposit process, and a communication processing device for handling communication between the deposit system and the outside of the deposit acceptance system. In the information distribution system, the distribution document database that records the document file that the biller distributes to the payer, the document file name that this biller distributes when performing the transfer process, and the record that this document file was issued When the customer account is referred to, the communication processing device is connected to an information terminal capable of instructing transfer of funds between the customer accounts, and a data structure having a distribution document flag for To the information terminal while transmitting the transaction history of this customer account and searching for the document file name to be distributed by the distribution document flag. And Shin, is accomplished by sending the document file from the distribution document database in accordance with the request of the information terminal.

The above object is achieved by changing the charge to the claimant according to the presence or absence of the distribution document and the capacity of the distribution document.

[0010]

BEST MODE FOR CARRYING OUT THE INVENTION Most households use automatic bank transfer for communication expenses such as utility bills and telephone calls. This bank automatic transfer has established a series of systems in which after the payment is completed on the designated day of payment, the claimant sends a receipt notification to the payer by mail at a later date.

By the way, depending on the payer,
Some people don't necessarily need to be sent monthly, and some feel it's good if they can see it when they need it. In addition, the cost of mailing a receipt notice every month and the burden of shipping work are extremely heavy for the claimant, and therefore there are many people who want to simplify or delete these works.

Therefore, the inventors of the present invention output the receipt information to the bank terminal when the payer uses the bank terminal, and can output the receipt information on paper only when the payer needs the receipt. The idea is to do it.

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

FIG. 1 is a block diagram showing an example of an embodiment of an information distribution system according to a transfer process of the present invention.

In FIG. 1, the payer pays for the goods and services provided by the claimant by a transfer process through a financial institution. The payer is the automated teller machine 10 (hereinafter referred to as A
The transfer processing operation is performed using the information terminal 20 or TM10). Here, the information terminal 20 is a computer, a mobile phone, or the like that is connected to a communication line such as the Internet and can communicate with a financial institution.

The ATM 10 includes at least the display device 11.
An input device 12, a printing device 13, and a recording device 14.
And a deposit / withdrawal device 15. The display device 11 is
For example, the display and the input device 12 are, for example, a plurality of push switches or a touch panel display in which the both are integrated. The display device 11 and the input device 12 allow the payer to select a transfer process or the like, and specify an amount or an account number. Can interact with financial institutions in both directions.
The printing device 13 prints transaction information on a passbook or paper. The recording device 14 is, for example, a magnetic recording device.
Records the processing performed in TM10. The deposit / withdrawal device 15 receives and pays out cash from the outside of the ATM 10, and has a bill counting function. ATM10
In the transfer process using, not only transfer of funds between accounts but also payment by cash is possible.

The information terminal 20 such as a personal computer is provided with the display device 2
2 and at least the input device 22. By both of them, the payer can bidirectionally exchange with the financial institution such as selection of transfer processing and designation of the amount and account number. Depending on the type of the information terminal 20, the printing device 23 and the recording device 24 may be provided. However, since it does not have a device for handling cash, it is possible to transfer money only by transferring funds between accounts.

The financial institution comprises a communication processing device 30, an accounting system 40, and a transfer acceptance system 50. The communication processing device 30 is connected to the communication lines 71, 72, 73 and communicates with the outside of the financial institution.

The accounting system 40 manages customer accounts of financial institutions, and has an information processing device 41 for processing account information such as fund transfer, and a database recording a plurality of customer accounts. In FIG. 1, only the payer's account 42 and the claimant's account 43 are shown as part of the customer account. Information such as balance and transaction history is recorded in each account. The transfer acceptance system 50 records a transfer request from the claimant and transmits it to the accounting system 40 so that the funds are transferred on a predetermined date. For this purpose, the information processing apparatus 51 performs transmission / reception and management of the transfer request data, a transfer file 52 for accumulating the transfer request data, and a distribution document database 53 for recording documents to be distributed in addition to the transfer process. There is.

The claimant requests the transfer process from the transfer request system 60 to the financial institution via the communication line 73. Although a communication line is used here, information may be carried using a portable medium such as a magnetic recording medium. The transfer billing system 60 includes an information processing device 61 that creates and transmits billing data, a billing database 62 that records billing data, and a distribution document database 63 that records a document to be distributed in addition to the billing data. ing.

FIGS. 2 to 7 show an example of the data structure, and show the structure of the payment history data 81 of the transaction history file 42 of the payer account.

In FIG. 2, a biller name, a biller account number, a billing amount, detailed information, a distribution document name, and a distribution document flag are included. The detailed information indicates the content of the product or service received by the payer. The distribution document name is the name of the document distributed by the claimant to the payer, and the distribution document flag is information indicating whether the distribution document has been distributed or not.

FIG. 3 shows the structure of the billing history data 82 of the transaction history file 43 of the biller account. The distribution document flag is recorded together with the payer name, account number, and billing amount. This makes it possible to know the distribution status of the document to the payer.

FIG. 4 shows the structure of the billing data 83 transmitted from the billing database 62 to the transfer file 52. The name and account number of the claimant and the payer, the charge amount, the charge date, the detailed information, and the distribution document name are included. By recording the billing date, the payer can be notified of the billing amount in advance.

FIG. 5 shows the structure of the document data 84 transmitted from the distribution document file 63 to the distribution document database 53. Corresponding to the claimant's name, account number, and distribution document name, a file in which the distribution document is converted into electronic information is recorded. Further, the expiration date of the distributed document is set, and the file that has reached the expiration date is deleted, thereby reducing the burden of recording.

An example of the processing flow of the information distribution system accompanying the transfer processing using the above apparatus and data structure is shown in FIG. 6 and subsequent figures.

6 to 7 show an example of a process in which an automatic transfer process is performed and the payer uses the ATM 10 to perform a transaction in which the payer is specified. Note that the transaction in which the payer is specified includes deposit / withdrawal and entry into a passbook.

In FIG. 6, the transfer billing system 60 is
The billing data 83 shown in FIG. 4, that is, the account numbers of the biller and the payer, the billing amount, the distribution document information, and the like are transmitted to the transfer acceptance system 50 (101). Here, if there is a distribution document, the document data 84 shown in FIG. 5, that is, the distribution document name and the distribution document file are transmitted to the transfer acceptance system 50 and registered (102).

In the transfer acceptance system 50, the billing data 8
3 is received and recorded in the transfer file 52 shown in FIG. Specifically, the information processing device 51 is the accounting system 40.
Perform processing such as confirming that the account number is correct.
When the document data 84 is received, it is recorded in the distribution document database 53.

The information processing device 51 retrieves the billing date of the billing data 83 in the transfer file 52 (103) and transmits the billing date that has reached the billing date to the accounting system 40 (10
4). In the accounting system 40, the information processing apparatus 41 shown in FIG. 1 transfers funds from the payer's account to the biller's account (105). When the transfer of the funds is performed normally, the payment history data 81 is recorded in the transaction history file 42 of the payer, and the billing history data 82 is recorded in the transaction history file 43 of the claimant (106). At this stage, the distribution document flags of the payment history data 81 and the billing history data 82 are in the “undistributed” state.

On the other hand, the payer uses the ATM 10 to start a transaction in which the payer can be specified by inserting a card or passbook and inputting a personal identification number (107). First, when a passbook is inserted (108), printing on the passbook is started after the transaction processing is completed. For that purpose, the transaction history file 42 of the payer account is referred to (109), and a new record not yet described in the passbook is transmitted (110). When the payment history data 81 is transmitted and there is a distribution document, the ATM 10 searches the recording device 14 provided for the document file with the distribution document name (111). This search process may be omitted, but in that case, a distributed document must be received via the communication line 71 every time there is a distributed document. When the communication speed of the communication line 71 is relatively slow, it is more efficient to temporarily store the distribution document and retrieve and retrieve the recording device 14 when the same distribution document should be printed later.

If there is no recording (112), AT
The M10 requests the transfer acceptance system 50 to transmit the document (113). The transfer acceptance system 50 takes out a predetermined document file from the distribution document database 53 and sends it to the ATM 10 (114). In this case, since the distributed document is new, it is saved in the recording device 14 (1
15).

Next, in FIG. 7, the ATM 10 prints the distribution document from the printing device 13 (116) and transmits it to the accounting system 40 (117). In the accounting system 40,
The distribution document flag of the payment history data 81 and the billing history data 82 is changed to the “distributed” state.

The ATM 10 is controlled by the printer 13
The transaction history is printed on the passbook (118), and the accounting system 4
It is transmitted to 0 (119). Note that (118) and (11
In the process of 9), after receiving the transaction history in (110),
It does not matter at any stage. After that, the passbook and the distribution document are delivered to the payer (120), the card and the like are also returned, and the transaction processing is ended (121). Further, the biller can refer to the transaction history file 43 of the biller account from the transfer billing system 60 at any time (122). Then, the billing history data 82 of the transaction history file 43 is received (12
3) It can be confirmed that the funds have been moved and the distribution document has been issued.

In the above example, the case where the passbook is inserted is shown in (108), but when the passbook is not inserted,
In (110), the latest payer account status and distribution document name are transmitted. At (118), the latest payer account status is printed.

If the document file exists in the recording device 14 in (112), the document transmission in (113) and (114) is not performed.

Further, although the ATM 10 is described as having one printing device 13, there may be two printing devices, for example, a passbook printing device and a paper printing device.

Next, examples in which the payer uses the information terminal 20 are shown in FIGS.

In FIGS. 8 and 9, as in the above example,
This is an example of the automatic transfer process, and since there are many common parts, the points different from the above example will be described.

From the billing (101) of the transfer billing system 60 to the recording (106) in the transaction history file of the accounting system 40, the same processing as the above-mentioned example is performed.

The payer inputs an ID, a password and the like from the information terminal 20 to perform transaction processing (107). After the transaction processing, refer to the transaction history of the accounting system 40 (1
09), the new portion is received from the transaction history file 42 of the payer account (151). Here, even if the transaction history including the new one is received soon, it does not matter because the transaction history is not printed.

Here, the presence / absence of a distributed document is displayed, and the payer selects browsing of the document (152). The distribution document may be set to be browsed without selection.

According to the selection, the transfer acceptance system 50 is requested to send the document (113), and the distribution document database 5 is sent.
The document is received from 3 (114). And the information terminal 2
The distribution document is displayed or recorded at 0 (153). At this time, the information terminal 20 preferably transmits the type of the information terminal, for example, the browser of the computer (Internet browsing software) or the type of the mobile phone. Since the display and recording functions differ depending on the type of information terminal, it is possible to buy the type of distributed document. After that, the transmission process of the distribution document is registered (154), the transmission process of the transaction history is registered (155), and the transaction process is ended (12).
1).

Further, an example of the case of the transfer by cash by the operation of the payer instead of the automatic transfer is shown in FIGS.

In FIGS. 10 and 11, first, the transfer billing system 60 transmits the document data 84 to the transfer acceptance system 50. The transfer acceptance system 50 registers the document data 84 in the distribution document database 53 (201).

On the other hand, the payer starts transaction processing using the ATM 10 (202). When the transfer process is selected (203), a biller account, a transfer amount, payer information and the like are input (204). The entered information is transmitted from the ATM 10 to the accounting system 40 (205), and the claimant's account is confirmed (206).

After confirming that the claimant's account is correct, cash payment is selected by the transfer method (207). ATM
10 confirms that a predetermined amount of money has been deposited by the deposit / withdrawal device 15 (208), and sends a deposit confirmation to the accounting system 40 (209). In the accounting system 40, the information processing device 41 deposits funds into the claimant's account,
At the same time, information regarding the transfer is recorded in the transaction history file 43 (210). Here, the billing system name 40 and the billing party account number are transmitted from the accounting system 40 to the transfer acceptance system 50, and the distribution document registered by the billing party is searched (2
11). If there is a distributed document, copy the document file to ATM1.
0 (212), and at the same time, register that the document has been sent to the transaction history file 43 of the accounting system 40 (213).

In the ATM 10, the received distribution document is printed by the printing device 13 (214). Also, when the completion of the transfer process is received from the accounting system 40 (21
5) The transfer processing slip is printed (216). Then, the printed matter is issued to the payer (217), and the transaction processing ends (218).

Further, the biller can refer to the transaction history file 43 of the biller account from the transfer billing system 60 at any time (218). Then, by receiving the billing history data 82 of the transaction history file 43 (219), it is possible to confirm that the transfer has been performed or the distribution document has been issued.

Next, FIGS. 12 to 13 show examples of the processing flow when the transfer is performed by transferring funds between accounts. The transfer of funds between the accounts is possible not only by the ATM 10 but also by the information terminal 20.

12 and 13, the different processing is as follows.
Since it is not a cash deposit, enter the payer account (25
1) and confirmation (252) are required, and when the information terminal 20 is used, the distribution document can be displayed or recorded in the recording device 24 (255). The process related to the distributed document can be the same process as the above example.

Further, in the above embodiment, the case where the claimant and the payer have an account in one financial institution has been described. However, even when the claimant and the payer have accounts in different financial institutions, the same function can be obtained by including the process of sending the billing data 83 and the document data 84 using the communication line connecting the financial institutions. Can be achieved.

With the above configuration and operation, information can be distributed along with the transfer process. As a result, it is possible to eliminate the distributed document that was conventionally mailed separately from the transfer process, and it is possible to reduce the postage and labor. Also, for financial institutions, new services can be added to the transfer process. At that time, it is possible to change the charge as a fee depending on the presence or absence of the distributed document and the size of the document file.

In the above example, the document file has uniform contents regardless of the payer. However, by using the document file as a template and embedding detailed information that is different for each payer in the print document, different prints can be issued for each payer. Thereby, for example, it is possible to issue a bill or a receipt.

[0055]

According to the present invention, the automatic teller machine (A
Providing an information communication system that makes it possible to distribute transfer-related documents via financial institutions in consideration of the high performance of the printing device provided in TM) and the fact that transfer processing by information terminals has become possible. it can.

[Brief description of drawings]

FIG. 1 is a configuration diagram of an information distribution system.

FIG. 2 is a data configuration diagram of a transaction history file of a payer account.

FIG. 3 is a data configuration diagram of a transaction history file of a claimant account.

FIG. 4 is a configuration diagram of billing data.

FIG. 5 is a configuration diagram of document data.

FIG. 6 is a process flow diagram for implementing information distribution.

FIG. 7 is a process flow diagram for implementing information distribution.

FIG. 8 is a process flow diagram for implementing information distribution.

FIG. 9 is a process flow diagram for implementing information distribution.

FIG. 10 is a process flow diagram for implementing information distribution.

FIG. 11 is a process flow diagram for implementing information distribution.

FIG. 12 is a process flow diagram for implementing information distribution.

FIG. 13 is a process flow diagram for implementing information distribution.

[Explanation of symbols]

10 ... ATM, 11 ... Display device, 12 ... Input device, 13
... printing device, 14 ... recording device, 15 ... depositing / withdrawing device, 20
... information terminal, 21 ... display device, 22 ... input device, 23 ...
Printing device, 24 ... Recording device, 30 ... Communication processing device, 40
... account system, 41 ... information processing device, 42 ... payer account transaction history file, 43 ... biller account transaction history file, 50 ... transfer acceptance system, 51 ... information processing device,
52 ... transfer file, 53 ... distribution document data, 60 ... transfer billing system, 61 ... information processing device, 62 ... billing database, 63 ... distribution document file, 71 ... communication line,
72 ... communication line, 73 ... communication line, 81 ... payment history data, 82 ... billing history data, 83 ... billing data, 84 ...
Document data.

Claims (5)

[Claims] 1. An information distribution system comprising: an accounting system that manages a customer account; a transfer acceptance system that manages a transfer process; and a communication processing device that processes communication between the accounting system and the outside of the transfer acceptance system. In the system, a distribution document database that records document files that the claimant distributes to the payer, a document file name that the claimant distributes when performing the transfer process, and a distribution that records that the document file is issued. A document having a data flag having a document flag is provided in the customer account, and when the customer account of the payer is referred to, the transaction history of the customer account is transmitted and the document to be distributed by the distribution document flag. An information distribution system associated with a transfer process characterized by searching for a file name and transmitting this document file from the distribution document database. Stem. 2. An information distribution system comprising: an accounting system that manages a customer account; a transfer acceptance system that manages a transfer process; and a communication processing device that processes communication between the accounting system and the outside of the transfer acceptance system. In the system, a distribution document database that records document files that the claimant distributes to the payer, a document file name that the claimant distributes when performing the transfer process, and a distribution that records that the document file is issued. A data structure having a document flag is provided in the customer account, the communication processing device is instructed to transfer cash between deposit and withdrawal of cash and a customer account in the previous period, and is connected to an automated teller machine having a printing device, When the customer account of the payer is referred to, the transaction history of this customer account is transmitted, and the distribution document flag is set to be distributed. An information distribution system according to a transfer process, wherein a document file name is searched for, the document file is transmitted from the distribution document database, and the document file is printed and issued by a printing device of the automatic teller machine. 3. The information distribution system according to the transfer process according to claim 2, wherein said automatic teller machine having a recording device, when a payer's customer account is referred to, the transaction history of this customer account. And the document file name to be distributed by the distribution document flag is searched and transmitted, the record of the document file in the recording device is searched, and the document file is recorded in the recording device. In this case, the document file is acquired from the recording device, and when the document file is not recorded in the recording device, the document file is acquired from the distribution document database. Delivery system. 4. An information distribution system comprising: an accounting system that manages a customer account; a transfer acceptance system that manages a transfer process; and a communication processing device that processes communication between the accounting system and the outside of the transfer acceptance system. In the system, a distribution document database that records the document files that the claimant distributes to the payer, the document file name that the claimant distributes when performing the transfer process, and the distribution that records that this document file was issued. The customer account is provided with a data structure having a document flag, the communication processing device is connected to an information terminal capable of instructing transfer of funds between the customer accounts, and when the customer account of the payer is referred to, While transmitting the transaction history of this customer account, the document file name to be distributed is searched by the distribution document flag and transmitted to the information terminal. An information distribution system according to a transfer process, wherein the document file is transmitted from the distribution document database according to a request from an information terminal. 5. The information distribution system according to the transfer process according to any one of claims 1 to 4, wherein, depending on the presence or absence of the distribution document and the capacity of the distribution document,
An information distribution system according to a transfer process, characterized in that a charge to a claimant is changed.