JP2007034948A - Automatic transaction system, automatic transaction device used for the same and automatic transaction method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a means for reducing responsibilities of a dealer who operates a sale site by simplifying an input operation of a transfer destination, etc. even in the first transfer transaction using an automatic teller machine. <P>SOLUTION: When a sale server 4 which sells an article to a customer via a public network 5 establishes sale contract with the customer and the customer transfers a purchase price of the article using the automatic teller machine 1, which reads card information from a customer's transaction card, transmits a customer's account number to a transfer specification information management server 7, the transfer specification information management server 7 which receives the card information retrieves a transfer specification information data base 8 based on the customer's account number, extracts the applicable transfer specification information, transmits the information to the automatic teller machine 1, which displays the received transfer specification information, accepts selection of the transfer specification information and executes transaction processing based on the selected transfer specification information and the card information. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to an automatic transaction system that simplifies an input operation of a transfer destination when performing an automatic transaction using an automatic transaction apparatus such as an automatic teller machine installed in a financial institution, an automatic transaction apparatus used in the automatic transaction system, and an automatic transaction apparatus. It relates to the transaction method.

The conventional automatic teller machine has a magnetic stripe that functions as a transfer card on the customer's transaction card, records the newly entered transfer destination information on the transaction card at the end of the new transfer transaction, and in subsequent transfer transactions Simplification of the input operation of transfer destination information is attempted (for example, refer to Patent Document 1).
JP-A-9-147186 (3rd page, paragraph 0011 and 5th page, FIG. 7)

In recent years, the number of commercial transactions using the Internet, such as online shopping and online auctions, has increased, and when a sales contract for the product has been established, the purchase price such as the price of the product or the successful bid price of the auction has been notified by the seller. It is common to pay by bank transfer.
However, in the above-described conventional technology, since the transfer destination information newly entered at the end when a new transfer transaction is performed using an automatic teller machine is recorded on the transaction card, If the transfer transaction to the account notified from is not performed, there is a problem that the name of the financial institution of the transfer destination, the account number, etc. must be manually input by an automatic teller machine. The same applies to a transfer transaction using a normal transfer card.

  In addition, when paying for purchases in Internet-based commercial transactions via online payment, the customer must enter personal information such as the account number of his / her account or credit card card number. The seller who operates the sales site will not be able to purchase products that require entry of an account number or card number in order to worry about the leakage of personal information that may be lost. There is a problem that the management burden for the management of the system increases.

  The present invention has been made to solve the above-described problems. In the first transfer transaction, it is possible to simplify the input operation of the transfer destination and the like, and to reduce the burden on the seller operating the sales site. The purpose is to provide.

  In order to solve the above problems, the present invention provides a sales server that sells products to customers via a public network, a customer terminal that connects to the sales server via a public network, and a transfer designation corresponding to a customer ID. An automatic transaction system comprising a transfer designation information storage means for storing information, comprising: a transfer designation information management server connected to the public network; and an automatic transaction apparatus connected to the transfer designation information management server, The sales server comprises means for transmitting transfer designation information to the customer terminal when a sales contract with a customer is established, the customer terminal receiving means for receiving transfer designation information from the sales server; Means for attaching a customer ID to the transfer designation information and transmitting it to the transfer designation information management server, wherein the transfer designation information management server includes the customer ID and the transfer designation information from the customer terminal. , Means for storing the received transfer designation information in the transfer designation information storage means corresponding to the received customer ID, means for receiving a customer ID from the automatic transaction apparatus, and the customer Means for searching the transfer designation information storage means based on the customer ID when the ID is received and extracting the relevant transfer designation information; means for transmitting the extracted transfer designation information to the automatic transaction apparatus; The automatic transaction apparatus comprises: means for reading card information from a customer transaction card; means for transmitting a customer ID of the read card information to the transfer designation information management server; and A means for receiving the transfer designation information, a means for accepting selection of the received transfer designation information, and a method for executing the transfer process based on the selected transfer designation information and the card information. Characterized in that it comprises and.

  As a result, the present invention makes it possible to select transfer designation information and input transfer destination information and transfer amount even in the first transfer transaction of a transfer transaction in which the input operation is complicated. This eliminates the need to manage the personal information of customers who may be misused by the sellers who operate the sales site, thereby reducing the burden on the sellers. It is done.

  Embodiments of an automatic teller machine according to the present invention will be described below with reference to the drawings.

FIG. 1 is a block diagram showing a system configuration of the first embodiment, FIG. 2 is a block diagram showing an automatic teller machine of the first embodiment, and FIG. 3 is a block diagram showing a customer terminal of the first embodiment.
In FIG. 1, reference numeral 1 denotes an automatic teller machine as an automatic transaction apparatus, which is installed in a bank, a financial institution such as a bank, a branch of a postal public corporation (referred to as a financial institution, etc.), a post office, a convenience store, etc. Automatically conducts cash transactions with.

Reference numeral 2 denotes a host computer as a host device installed in a head office of a financial institution or the like, and is connected to an automatic teller machine 1 installed in the store via a communication line 3 such as a dedicated line or a telephone line. The customer account is managed by holding customer information such as an account number of the customer's account, a personal identification number, an account balance, a customer name and a telephone number, etc.
Reference numeral 4 denotes a sales server installed at a dealer who operates the sales site. The sales server 4 is connected to a public network 5 such as the Internet. When a product sales contract is established with a customer by purchasing or making a successful bid, etc., the transfer amount that is the purchase price and the name of the financial institution in the seller's account And the branch name, account number and subject, seller name or representative name, transfer financial institution name and branch name, transfer account number and subject, payee name, etc. It has a function to create the transfer designation information.

Reference numeral 6 denotes a customer terminal such as a personal computer or a mobile phone, which has a function of accessing a sales site established by the sales server 4 via the public network 5 and performing a purchase, a successful bid, etc. on the sales site. Yes.
The customer terminal 6 of this embodiment is a personal computer.
Reference numeral 7 denotes a transfer designation information management server installed in a management center or the like. The transfer designation information management server 7 has a transfer designation information database 8 as a transfer designation information storage means, and is connected to the public network 5 and transmitted from the customer terminal 6. The transfer designation information attached with the account number of the customer's account as the ID (referred to as the customer account number) is received, and the received transfer designation information corresponding to the customer account number is stored in the transfer designation information database 8 and the customer. Manages the transfer designation information sent from.

The transfer designation information management server 7 is connected to the cash dispenser 1 of each store via a communication network 9 such as a dedicated line or a telephone line, and is configured to be able to perform data communication with each other. .
The transfer designation information management server 7 may be installed in one place by bundling the whole country, or may be installed in the same place as the host computer 2. You may make it install in every wide area which put together two or more. That is, as long as a plurality of automatic teller machines 1 are managed collectively, the location is not limited.

In FIG. 2, reference numeral 11 denotes an ATM control unit of the automatic teller machine 1, which is connected to the host computer 2 via the communication line 3 and the transfer designation information management server 7 via the communication network 9. The respective units in the payer 1 are controlled to execute transaction processing and the like, and also control data communication and the like.
An ATM storage unit 12 stores a program executed by the ATM control unit 11, various data used for the program, a processing result by the ATM control unit 11, and the like.

Reference numeral 13 denotes a customer operation unit, which is composed of a combination of a display screen such as an LCD and a position signal detecting means such as a touch panel. The display screen includes a transaction selection screen, various input screens, a screen for prompting the customer's treatment, etc. In addition to displaying, the position signal detection means accepts input from the customer.
14 is a card handling unit that reads and writes card information such as financial institution codes and customer account numbers recorded on magnetic stripes and IC chips of transaction cards such as inserted customer cash cards and credit cards. And has a function to print transaction contents on a statement slip.

A bankbook handling unit 15 has a function of reading and writing bankbook information recorded on a magnetic stripe, an IC chip, and the like of the inserted customer's bankbook, and a function of recording transaction contents in the customer's bankbook. Yes.
Reference numeral 16 denotes a banknote deposit / withdrawal unit which has a function of receiving banknotes inserted by a customer, identifying and counting the banknotes, storing them, counting banknotes to be paid to the customers, and delivering them to the customers.

Reference numeral 17 denotes a coin deposit / withdrawal unit which has a function of receiving coins inserted by a customer, discriminating and counting the coins, storing them, counting coins to be paid to the customers, and delivering them to the customers.
In FIG. 3, reference numeral 21 denotes a terminal control unit of the customer terminal 6, which controls each unit of the customer terminal 6 and connects to the public network 5 to perform data communication between the sales server 4 and the transfer designation information management server 7. Also controls.

A terminal storage unit 22 stores a program executed by the terminal control unit 21, various data used for the program, a processing result by the terminal control unit 21, and the like.
An input unit 23 includes a keyboard, a mouse, and the like, and is used by a customer to perform various inputs for accessing a sales site.
A display unit 24 includes a display screen such as an LCD and has a function of displaying a download screen of a sales site.

  The ATM storage unit 12 of the automatic teller machine 1 includes transaction screen data of a fixed transaction screen such as a transaction selection screen used for transaction processing such as a transfer transaction with a customer, and a transfer destination designation screen described later. In addition to storing regular transaction screen background screen data, etc., the customer with the card information read from the transaction card at the time of transfer transaction with a transaction card to the normal transaction processing program for conducting various transactions with the customer in advance Stores a business process execution program to which an application program having a function of acquiring transfer designation information from the transfer designation information management server 7 based on the account number and performing a transfer process based on the card information and the transfer designation information is stored. Each function means as the hardware of the automatic teller machine 1 according to the present embodiment is formed by the steps of the business process execution program executed by the ATM control unit 11. It is.

  Further, the transfer designation information management server 7 receives the transfer designation information with the customer account number transmitted from the customer terminal 6 through the public network 5, and received the transfer designation information corresponding to the customer account number. Is stored in the transfer designation information database 8, all relevant transfer designation information is extracted from the transfer designation information database 8 in response to the transfer designation information transmission request attached with the customer account number from the automatic teller machine 1, Is installed in accordance with the steps of the management processing program executed by the transfer designation information management server 7, and the hardware of the transfer designation information management server 7 of this embodiment is installed. Each functional means is formed.

  Further, in the terminal storage unit 22 of the customer terminal 6, the customer account number as the customer ID is stored, and the customer account number is attached to the transfer designation information received from the sales server 4 via the public network 5. A terminal control program having a function to be transmitted to the designated information management server 7 is stored, and each function means as hardware of the customer terminal 6 of this embodiment is determined by the steps of the terminal control program executed by the terminal control unit 21. It is formed.

  Furthermore, the sales server 4 receives transfer designation information when a product sales contract with the customer is established in a normal website control program that sells products with the customer terminal 6 via the public network 5. A website operation program to which an application program having a function of creating and transmitting to the customer terminal 6 is added is installed, and the sales server 4 according to the present embodiment performs the steps of the website operation program executed by the sales server 4. Each functional means as hardware is formed.

The operation of the above configuration will be described.
In the present embodiment, the customer accesses the sales site established by the sales server 4 via the public network 5 by the customer terminal 6, for example, the online shopping sales site, and purchases a desired product.
Then, when the sales contract of the product with the customer is established by the website operation program, the sales server 4 creates transfer designation information describing the transfer amount and the transfer destination information as the purchase price. It transmits to the customer terminal 6 via the public network 5.

The terminal control unit 21 of the customer terminal 6 that has received the transfer designation information from the sales server 4 reads the customer account number from the terminal storage unit 22 by the terminal control program, and stores the transfer designation information with the received transfer designation information attached thereto. The request is transmitted to the transfer designation information management server 7 via the public network 5.
Receiving the transfer designation information storage request from the customer terminal 5, the transfer designation information management server 7 stores the transfer designation information of the transfer designation information storage request in the transfer designation information database 8 in association with the customer account number by the management processing program. To do.

In this way, a customer who has purchased a product at the sales site of the sales server 4 performs a transfer transaction with the automatic teller machine 1 in order to pay the purchase price.
Below, the transfer transaction process by the automatic teller machine 1 of a present Example is demonstrated according to the step shown by S using the flowchart shown in FIG.
S1, The ATM control unit 11 of the automatic teller machine 1 displays the transaction screen data of the transaction selection screen read from the ATM storage unit 12 on the screen of the customer operation unit 13 by the business process execution program and stands by.

On the transaction selection screen, “Draw” button for withdrawal transactions, “Deposit” button for deposit transactions, “Transfer” button for transfer transactions, to record unfilled transaction data in the passbook A transaction selection button for selecting a transaction such as a “passbook entry” button and a “balance inquiry” button for inquiring an account balance is displayed.
In this embodiment, the customer selects a transfer transaction from the screen of the customer operation unit 13 and presses a “transfer” button on the touch panel.

S2, the ATM control unit 11 that has recognized the content of the selection button selected by the customer as a transfer transaction by a position signal from the touch panel, etc., is a transaction screen of the payment method selection screen read from the ATM storage unit 12 on the screen of the customer operation unit 13 Display data.
On the payment method selection screen, a payment selection button such as a word prompting the selection of a payment method, a “card transfer” button for selecting payment by transaction card, a “cash transfer” button for selecting payment by cash, etc. Etc. are displayed.

The customer presses a “card transfer” button when making a transfer by a transaction card, and a “cash transfer” button when making a transfer by cash.
S3, the ATM control unit 11 proceeds to step S4 when recognizing that the “card transfer” button has been pressed, and proceeds to step S9 when recognizing that the “cash transfer” button has been depressed.

S4, the ATM control unit 11 that has recognized that the “card transfer” button has been pressed, displays the transaction screen data of the card insertion request screen displaying a message for prompting the insertion of the transaction card read from the ATM storage unit 12 The customer inserts the transaction card into the card handling unit 14 accordingly.
At this time, the ATM control unit 11 reads the card information such as the customer account number recorded on the transaction card by the card handling unit 14 and temporarily stores the card information in the ATM storage unit 12.

S5, the ATM control unit 11 that has read the card information, displays on the screen of the customer operation unit 13 a message for prompting the input of the password read from the ATM storage unit 12, a password display field, and a numeric keypad for inputting the password. The transaction screen data of the password input screen displaying a “correction” button or the like for correcting an input error is displayed, and the customer inputs the password by using the numeric keypad.
S 6, the ATM control unit 11 that has recognized the input of the personal identification number executes customer authentication communication processing with the host computer 2 via the communication line 3 based on the input personal identification number, and the customer is authenticated. In this case, the card information temporarily stored in the ATM storage unit 12 is read, the customer account number included therein is read, and a transfer designation information transmission request attached thereto is transmitted to the transfer designation information management server 7 via the communication network 9.

The transfer designation information management server 7 that has received the transfer designation information transmission request searches the transfer designation information database 8 on the basis of the customer account number, extracts all relevant transfer designation information, and sends it through the communication network 9. To the automatic teller machine 1 with the sender.
The ATM control unit 11 of the automatic teller machine 1 receives the transfer designation information from the transfer designation information management server 7 to obtain the transfer designation information, and sets the transaction processing number of the transfer transaction based on the transfer designation information to “0”. Save in the storage unit 12.

If the passwords do not match, a predetermined number of times, for example, three re-inputs are accepted, and if the re-entered password number does not match even after the predetermined number of times, the ATM control unit 11 stores the transaction card as a card. It discharges | emits from the handling part 14, complete | finishes a transfer transaction process, returns to step S1, displays the transaction selection screen on the screen of the customer operation part 13, and waits.
S7, the ATM control unit 11 that has acquired the transfer designation information, the normal information by the transaction card settlement without specifying the designation button and transfer destination designation with the representative information of the transfer designation information received on the screen of the customer operation unit 13 as the button name A transfer destination designation screen displaying a “cancel” button or the like for instructing the transfer transaction is displayed.

  In other words, the ATM control unit 11 counts the number of acquired transfer designation information and stores it in the ATM storage unit 12 as the number of designated information, while the “cancel” button is placed in advance from the ATM storage unit 12. Read the background screen data of the specified screen, read the recipient name and transfer amount as representative information from the acquired transfer specification information, and create the display data of the specified button that displayed this as the button name for all transfer specification information Then, the screen data of the transfer destination designation screen in which these designation buttons are arranged at predetermined coordinate positions are synthesized, and this is sent to the customer operation unit 13 and displayed on the screen.

When selecting the transfer designation information and transferring the purchase amount, the customer selects the transfer destination using the displayed designation button, presses the designation button, and performs a normal transfer transaction by transaction card settlement. Press the “Cancel” button.
S8. When the designation button is pressed, the ATM control unit 11 recognizes the contents of the designation button selected by the customer and proceeds to step S10. When the ATM button 11 recognizes that the “cancel” button is depressed, the process proceeds to step S9. Transition.

S9, the ATM control unit 11 that recognizes the transfer transaction selected by the customer as another transfer transaction other than the transfer transaction in which the purchase designation information is selected by selecting the transfer designation information, and the normal transfer transaction according to the transfer transaction selected by the customer Execute the process.
The operation of the other transfer transaction processing is the same as the operation of the normal transfer transaction processing, and a description thereof will be omitted.

The ATM control unit 11 that has completed the execution of the other transfer transaction process ends the transfer transaction process, returns to step S1, displays the transaction selection screen on the screen of the customer operation unit 13, and stands by.
S10, the ATM control unit 11 that recognizes the transfer transaction selected by the customer as the transfer transaction in which the purchase designation information is selected and the purchase amount is accepted, receives the input of the transfer amount and the transfer destination information by the selected transfer designation information, In order to confirm that, on the screen of the customer operation unit 13, a message for prompting confirmation of the transfer designation information, the transfer destination information and the transfer amount of the selected transfer designation information, and an instruction for confirming that the display contents have been confirmed. A designated information confirmation screen displaying a “cancel” button or the like for instructing re-selection of the transfer designation information by pressing the “confirm” button or the designation button is displayed.

  That is, the ATM control unit 11 obtains the background screen data of the designated information confirmation screen in which the “confirm” button, the “cancel” button, the transfer destination information, the display name of the transfer amount and the display column thereof are arranged in advance from the ATM storage unit 12. Read and read the display contents of each display field from the selected transfer designation information, that is, the transfer financial institution name and its branch name, the transfer account number and the subject, the payee name of the transfer amount information, and these Is displayed as a character string, display data of each display column is created, and the screen data of the designation information confirmation screen in which these are written in each display column is synthesized, and this is sent to the customer operation unit 13 and displayed on the screen.

The customer confirms the displayed content and presses a “confirm” button to perform a transfer transaction, and presses a “cancel” button to reselect the transfer designation information.
S11, If the ATM control unit 11 recognizes that the “confirm” button has been pressed, the process proceeds to step S12. If it is recognized that the “cancel” button has been pressed, the process returns to step S7 to accept reselection of the transfer designation information.

In S12, the ATM control unit 11 that recognizes that the transfer designation information for performing the transfer process has been confirmed, adds “1” to the transaction processing number in the ATM storage unit 12 and counts the number of processings. Execute the transfer transaction communication process.
That is, the ATM control unit 11 displays the transaction screen data of the standby request screen on the screen of the customer operation unit 13, which displays the words for prompting the standby for a while read from the ATM storage unit 12, while the ATM storage unit The card information temporarily stored in 12 is read out, and a transfer transaction message with the transfer designation information attached thereto is created and transmitted to the host computer 2 via the communication line 3.

  The host computer 2 that has received the transfer transaction message retrieves the customer information held based on the customer account number of the card information included in the transfer transaction message, reads the corresponding customer information, and transfers the transfer transaction message Withdraw the transfer fee from the customer's account and update the customer's account balance, read the customer's name and its contact information from the read customer information, and the client information with this as the client's name and its contact information etc. Create and request payment of the transfer amount to the financial institution of the transfer destination information by attaching the transfer destination information and the client information.

The host computer 2 that has finished depositing the transfer amount creates a transfer transaction result notification message indicating that the transfer transaction has been established, and transmits it to the automatic teller machine 1 via the communication line 3.
If the account balance is insufficient, a transfer transaction result notification message indicating that the transaction has not been established is sent.
S13, the ATM control unit 11 that has received the transfer transaction result notification message, if the transfer transaction result notification message is a transfer transaction result notification message that the transfer transaction has been established, to step S15, the transfer transaction result notification that the transaction has not been established In the case of a message, the process proceeds to step S14.

S14, the ATM control unit 11 performs a transaction failure process.
That is, the ATM control unit 11 reads out the background screen data of the transaction failure confirmation screen in which the “confirmation” button, the wording prompting the receipt of the transaction card, etc. are arranged in advance from the ATM storage unit 12, and the received transfer transaction result notification Reads the contents of the transaction failure from the message, synthesizes the screen data of the transaction failure confirmation screen displaying this as a character string, sends it to the customer operation unit 13 and displays it on the screen, and the customer confirms the content Then press the “Confirm” button.

Recognizing that the “Confirm” button has been pressed, the ATM control unit 11 ejects the transaction card by the card handling unit 14, confirms that the customer has received, returns to step S 1, and displays the screen of the customer operation unit 13. Display the transaction selection screen and wait.
S15, the ATM control unit 11 creates print data based on the transfer designation information and the like after the transfer process, prints it on the statement slip by the card handling unit 14, discharges it, and displays it on the screen of the customer operation unit 13. The transaction screen data of the statement receipt request screen displaying the statement for prompting receipt of the statement slip read from the ATM storage unit 12 is displayed, and the receipt of the customer is confirmed, and the process proceeds to step S16.

S16, the ATM control unit 11 confirming receipt of the customer's statement slip reads out the number of designated information and the number of transaction processes stored from the ATM storage unit 12, and designates the transfer if the number of transaction processes is less than the designated number of processes. The remaining information is determined and the process proceeds to step S17. If the transaction processing number matches the designated processing number, the end of the transfer transaction is determined and the process proceeds to step S19.
S17, the ATM control unit 11 that has determined the remaining transfer designation information, asks the screen of the customer operation unit 13 whether or not to continue the transfer transaction read from the ATM storage unit 12, and continues the transfer transaction. The transaction screen data of the continuation necessity inquiry screen displaying the “Yes” button for instructing, the “No” button for instructing the end of the transfer transaction, and the like are displayed.

The customer presses the “Yes” button to continue the transfer transaction and the “No” button to end the transfer transaction.
S18, If the ATM control unit 11 recognizes that the “No” button has been pressed, it determines the end of the transfer transaction and proceeds to step S19. If it is recognized that the “Yes” button has been pressed, the continuation of the transfer transaction is determined, and the process returns to step S7 to display the transfer destination designation screen and accept the selection of the next transfer designation information.

In the transfer destination designation screen displayed in this case, the designation button for the transfer designation information that has already been transferred is displayed as inactive.
S19, the ATM control unit 11 that has determined the end of the transfer transaction ejects the transaction card by the card handling unit 14 and prompts the customer operation unit 13 to accept the transaction card read from the ATM storage unit 12 on the screen. The transaction screen data of the card receipt request screen displaying the above is displayed, the receipt of the customer is confirmed, and the process proceeds to step S20.

S 20, the ATM control unit 11 confirming receipt of the customer's transaction card creates a transfer designation information erasure request in which the transfer designation information for which the transfer process has been completed is written, and sends this request to the transfer designation information management server via the communication network 9. 7, the transfer transaction process is terminated, the process returns to step S <b> 1, a transaction selection screen is displayed on the screen of the customer operation unit 13, and standby is performed.
On the other hand, the transfer designation information management server 7 that has received the transfer designation information erasure request transfers the transfer designation information database based on the transfer amount of each transfer designation information described in the transfer designation information elimination request and the name of the recipient of the transfer destination information. The corresponding transfer designation information is identified by searching 8 and is deleted from the transfer designation information database 8.

  As described above, in this embodiment, when a sales server that sells products to a customer via a public network sends a transfer designation information to the customer terminal when a sales contract with the customer is established, the customer who has received this information Attach the customer account number to the transfer designation information received by the terminal and send it to the transfer designation information management server. The transfer designation information management server stores it in the transfer designation information database corresponding to the customer account number. When using the automated teller machine to transfer the purchase price of the product, the automated teller machine reads the card information from the customer's transaction card and sends the customer account number to the designated transfer information management server and receives it The transfer specification information management server searches the transfer specification information database based on the customer account number, extracts the relevant transfer specification information, sends it to the automatic teller machine, and the automatic teller machine receives it In particular, it is possible to perform input operations even in transactions using an automated teller machine by displaying transfer designation information, accepting the selection, and executing the transfer process based on the selected transfer designation information and card information. Even in the first transfer transaction of a complicated transfer transaction, it is possible to input transfer destination information and transfer amount by selecting transfer designation information, and it is possible to greatly simplify the input operation and input in transfer transaction The transaction time can be shortened by omitting the majority of operations, and there is no need to manage the personal information of customers who may be misused by the sellers who operate the sales site. Can be reduced.

In addition, the automatic teller machine displays a designation button with the name of the recipient of the transfer designation information received when accepting the selection of the transfer designation information and the representative information of the transfer amount as the button name. Transfer designation information for conducting a transfer transaction can be easily specified, and the transaction time in the transfer transaction can be further shortened.
In this embodiment, the representative information displayed on the designation button by the automatic teller machine is described as the name of the payee and the transfer amount. However, the representative information is not limited to the above, and only the name of the payee may be displayed. Other transfer destination information, for example, a transfer destination financial institution name may be added. In short, any representative information that can identify the transfer designation information may be used.

In the present embodiment, the customer ID is described as a customer account number. However, the customer ID is not limited to the above, and may be a password for logging in to a sales site, a customer identification number provided separately, or the like. .
Furthermore, in the present embodiment, it has been described that the customer ID is stored in the terminal storage unit. However, when the customer terminal transmits the transfer designation information to the transfer designation information management server, the customer ID input screen is displayed on the display unit. And the customer may input the customer ID using the input unit.

  Furthermore, in the present embodiment, the customer terminal has been described as directly transmitting the transfer designation information to the transfer designation information management server, but the mail address designated by the financial institution or the like in which the customer opened an account in the terminal storage unit of the customer terminal May be stored, and the customer ID and the transfer designation information may be transmitted by e-mail to the e-mail address.

FIG. 5 is a block diagram showing a system configuration of the second embodiment, FIG. 6 is a block diagram showing an automatic teller machine of the second embodiment, and FIG. 7 is a block diagram showing a customer terminal of the second embodiment.
In addition, the same part as the said Example 1 attaches | subjects the same code | symbol, and abbreviate | omits the description.
In FIG. 5, reference numeral 31 denotes a customer terminal. In this embodiment, 31 has a function of communicating with the public network 5 by a telephone function, and has a display unit 24 for displaying received information and the like, and a cross key and a numeric keypad. This is a mobile phone having the input unit 23 provided.

In FIG. 6, reference numeral 33 denotes an ATM wireless communication unit, which is a communication unit that performs short-range wireless communication wirelessly using infrared rays, radio waves, and the like, and has a function of transferring received information to the ATM control unit 11 and ATM control. It has a function of transmitting data sent from the unit 11 by radio.
In FIG. 7, reference numeral 35 denotes a terminal wireless communication unit, which is a communication unit that performs short-range wireless communication similar to the ATM wireless communication unit 33, and has a function of transferring received information to the terminal control unit 21 and a terminal control unit. 21 has a function of wirelessly transmitting data sent from 21.

In this embodiment, the ATM wireless communication unit 33 and the terminal wireless communication unit 35 are connected so as to be able to perform data communication with each other wirelessly.
In the system configuration of this embodiment, the transfer designation information management server 7, the transfer designation information database 8, and the communication network 9 shown in the first embodiment are omitted.
The ATM storage unit 12 of the automatic teller machine 1 according to the present embodiment stores transaction screen data, background screen data, and the like similar to those in the first embodiment, and performs various transactions with customers in advance. The normal transaction processing program has a function of performing a transfer process based on the card information read from the transaction card at the time of the transfer transaction by the transaction card and the transfer designation information acquired wirelessly from the customer terminal 31 by the ATM wireless communication unit 33. A business process execution program to which an application program or the like is added is stored, and each functional means as hardware of the automatic teller machine 1 of the present embodiment is formed by the steps of the business process execution program executed by the ATM control unit 11. Is done.

  Further, in the terminal storage unit 22 of the customer terminal 31, in addition to the normal telephone function, the transfer designation information received from the sales server 4 via the public network 5 by the telephone function is transferred to the automatic teller machine 1 by the terminal wireless communication unit 35. A terminal control program to which an application program having a transmission function and the like is added is stored, and each function means as hardware of the customer terminal 31 of the present embodiment is determined by the steps of the terminal control program executed by the terminal control unit 21. It is formed.

  Further, the sales server 4 creates transfer designation information when a sales contract for the product with the customer is established in a normal website control program that sells the product with the customer terminal 31 by telephone. A website operation program to which an application program or the like having a function of transmitting to the telephone 31 is added is installed, and the hardware of the sales server 4 of this embodiment is determined according to the steps of the website operation program executed by the sales server 4. Each functional means is formed.

The operation of the above configuration will be described.
In the present embodiment, the customer uses the telephone function of the customer terminal 31 to access the sales site established by the sales server 4 via the public network 5 and purchases a desired product as in the first embodiment. .
When the sales contract is established by the website operation program in the same manner as in the first embodiment, the sales server 4 creates transfer designation information indicating the transfer amount, the transfer destination information, etc. It transmits to the customer terminal 31 via the public network 5.

The terminal control unit 21 of the customer terminal 31 that has received the transfer designation information from the sales server 4 stores the transfer designation information received by the terminal control program in the terminal storage unit 22.
Thus, the customer who purchased the product at the sales site of the sales server 4 brings the customer terminal 31 and performs a transfer transaction by the automatic teller machine 1 for payment of the purchase price.
Below, the transfer transaction process by the automatic teller machine 1 of a present Example is demonstrated according to the step shown by SA using the flowchart shown in FIG.

Since the operations of steps SA1 to SA5 of the present embodiment are the same as the operations of steps S1 to S5 of the first embodiment, description thereof is omitted.
SA 6, the ATM control unit 11 that has recognized the input of the personal identification number executes customer authentication communication processing in the same manner as in step S 6 of the first embodiment. When the customer is authenticated, the ATM on the screen of the customer operation unit 13 is displayed. The transaction screen data of the transfer information input selection screen read from the storage unit 12 is displayed.

  On the transfer information input selection screen, select to enter the transfer information such as the wording that prompts you to select the transfer information input method and the transfer destination information, client information, and transfer amount from the screen in the same way as for normal transfer transactions For example, a “screen input” button, an input selection button such as a “transfer designation information” button for selecting to input the payee information and the transfer amount by the transfer designation information, and the like are displayed.

The customer presses the “screen input” button when inputting the transfer information from the screen, and presses the “transfer specification information” button when inputting the transfer information from the screen.
SA7, the ATM control unit 11 proceeds to step SA8 when recognizing that the “screen input” button has been pressed, and proceeds to step SA9 when recognizing that the “transfer designation information” button has been depressed.

  SA8, the ATM control unit 11 that recognizes the transfer transaction selected by the customer as another transfer transaction other than the transfer transaction in which the transfer designation information is input and the purchase amount is transferred, is usually the same as in step S9 of the first embodiment. The transfer transaction process is executed, and when the transfer transaction process is completed, the transfer transaction process is terminated, and the process returns to step SA1 to display the transaction selection screen on the screen of the customer operation unit 13 and wait.

SA 9, the ATM control unit 11 that recognizes the transfer transaction selected by the customer as a transfer transaction in which the purchase designation information is input and the purchase amount is transferred, the transfer designation information read from the ATM storage unit 12 on the screen of the customer operation unit 13. The transaction screen data of the transfer designation information transmission request screen displaying a message or the like for prompting wireless transmission is displayed.
The customer performs a display operation of the transfer designation information using the input unit 23 of the brought customer terminal 31.

Recognizing this display operation, the terminal control unit 21 reads all the transfer designation information stored in the terminal storage unit 22 by the terminal control program, and performs the same operation as the operation of the ATM control unit 11 in step S7 of the first embodiment. Then, a transfer destination designation screen on which a designation button with the representative information of the transfer designation information read out as a button name is arranged is displayed on the screen of the display unit 24.
The customer selects the transfer destination using the displayed designation button with the cross key of the input unit 23, and presses the selected designation button.

The terminal control unit 21 that has recognized the pressing of the designation button transmits the transfer designation information of the recognized designation button to the automatic teller machine 1 through the terminal wireless communication unit 35.
The ATM control unit 11 of the automatic teller machine 1 receives the transfer designation information from the customer terminal 31 by the ATM wireless communication unit 33, acquires the transfer designation information, and stores it in the ATM storage unit 12.

After acquiring the SA10 and transfer designation information, the ATM control unit 11 displays the designation information confirmation screen on the screen of the customer operation unit 13 in the same manner as in step S10 of the first embodiment.
The customer confirms the displayed content and presses a “confirm” button to perform a transfer transaction, and presses a “cancel” button to input the transfer designation information again.
If the SA11 and the ATM control unit 11 recognize that the “confirm” button has been pressed, the process proceeds to step SA12. If it is recognized that the “cancel” button has been pressed, the process returns to step SA9 to accept re-input of the transfer designation information.

In step SA12, the ATM control unit 11 recognizes that the transfer designation information for performing the transfer process has been confirmed, and executes a transfer transaction communication process with the host computer 2 in the same manner as in step S12 of the first embodiment.
Subsequent operations in steps SA13 to SA15 are the same as the operations in steps S13 to S15 in the first embodiment, and a description thereof will be omitted.

After confirming receipt of the customer statement slip at SA16, the ATM control unit 11 displays the continuation necessity inquiry screen on the screen of the customer operation unit 13 in the same manner as in step S17 of the first embodiment.
The customer presses the “Yes” button to continue the transfer transaction and the “No” button to end the transfer transaction.
SA17, if the ATM control unit 11 recognizes that the “No” button has been pressed, it determines the end of the transfer transaction and proceeds to step SA18. If it is recognized that the “Yes” button has been pressed, the continuation of the transfer transaction is determined, and the process returns to Step SA9 to display the transfer specification information transmission request screen and accept the input of the next transfer specification information.

SA18, the ATM control unit 11 that has determined the end of the transfer transaction discharges the transaction card in the same manner as in step S19 of the first embodiment, and displays a card receipt request screen on the screen of the customer operation unit 13 to receive the customer. After confirming, the process proceeds to step SA19.
SA19, the ATM control unit 11 that has confirmed receipt of the customer's transaction card reads all the transfer designation information that has been transferred from the ATM storage unit 12, and creates a transfer transaction end notification that describes the read transfer designation information, This is transmitted to the customer terminal 31 by the ATM wireless communication unit 33, the transfer transaction process is terminated, the process returns to step SA1, and the transaction selection screen is displayed on the screen of the customer operation unit 13 to stand by.

On the other hand, the terminal control unit 21 of the customer terminal 31 that has received the transfer transaction end notification by the terminal wireless communication unit 35 provides the transfer amount of each transfer designation information and the name of the recipient of the transfer destination information described in the transfer transaction end notification. The terminal storage unit 22 is searched based on the specified transfer designation information, and is deleted from the terminal storage unit 22.
As described above, in this embodiment, when a sales server that sells products to a customer via a public network establishes a sales contract with the customer, the transfer designation information is transmitted to the customer terminal and received. The transfer designation information received by the customer terminal is stored in the terminal storage unit, and when the customer uses the automatic teller machine to transfer the purchase price of the product, the automatic teller machine receives the transfer designation information from the customer terminal. In addition to the same effects as in the first embodiment, the transfer designation information management server and the like are installed by executing the transfer process based on the received transfer designation information and the card information read from the transaction card. Can be omitted and the automatic transaction system can be simplified.

In addition, the customer terminal displays a designation button with the name of the recipient of the transfer designation information stored when accepting the selection of the transfer designation information and the representative information of the transfer amount as the button name. The same effect as that of the automatic teller machine can be obtained.
In the present embodiment, the customer terminal is described as a mobile phone. However, the customer terminal is not limited to the above, and may be an electronic system notebook, a personal communication device, a portable information device, or the like. In short, any portable customer terminal may be used as long as it has a function of connecting to a public network and accessing the sales server and a terminal wireless communication unit.

In each of the above-described embodiments, the customer terminal has been described as receiving the transfer designation information transmitted from the sales server. However, transmission of the transfer designation information from the sales server may be an e-mail addressed to the customer's e-mail address. The customer may download the transfer designation information from the sales site of the sales server.
Further, in each of the above embodiments, it has been described that when the customer selects the transfer designation information, it is displayed on the designation button displaying the representative information. However, the transfer designation information is selected by displaying a list of the transfer designation information. You may make it make it.

  In each of the embodiments described above, the client information is described as being created by the host computer. However, the client information is stored in advance in the terminal storage unit, and the transfer designation information is stored in the transfer designation information management server or the automatic cash deposit. The client information read from the terminal storage unit may be attached and transmitted when transmitting to the payment machine. In this way, even when the client name is different from the customer name who opened the account, or when the contact is different from the contact registered in the customer information, etc. Similar effects can be obtained.

  Furthermore, in each said Example, although demonstrated that the automatic transaction apparatus was an automatic teller machine, an automatic transaction apparatus is not restricted to the above, The multimedia terminal etc. which were installed in the convenience store etc. may be sufficient. In short, the same effects as those of the present invention can be obtained even if the present invention is applied to any automatic transaction apparatus as long as it automatically performs a transfer transaction process using a transaction card with a customer.

Block diagram showing the system configuration of the first embodiment The block diagram which shows the automatic teller machine of Example 1 The block diagram which shows the customer terminal of Example 1 The flowchart which shows the transfer transaction processing of Example 1. Block diagram showing the system configuration of the second embodiment The block diagram which shows the automatic teller machine of Example 2 The block diagram which shows the customer terminal of Example 2 The flowchart which shows the transfer transaction processing of Example 2.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Cash dispenser 2 Host computer 3 Communication line 4 Sales server 5 Public network 6, 31 Customer terminal 7 Transfer designation information management server 8 Transfer designation information database 9 Communication network 11 ATM control part 12 ATM memory | storage part 13 Customer operation part 14 Card Handling unit 15 Passbook handling unit 16 Bill deposit / withdrawal unit 17 Coin deposit / withdrawal unit 21 Terminal control unit 22 Terminal storage unit 23 Input unit 24 Display unit 33 ATM wireless communication unit 34 Terminal wireless communication unit

Claims (9)

A sales server that sells products to customers via a public network; a customer terminal that connects to the sales server via a public network; and transfer designation information storage means for storing transfer designation information in correspondence with a customer ID , An automatic transaction system comprising a transfer designation information management server connected to the public network, and an automatic transaction apparatus connected to the transfer designation information management server,
The sales server comprises means for transmitting transfer designation information to the customer terminal when a sales contract with a customer is established,
The customer terminal is configured to receive transfer designation information from the sales server;
Means for attaching a customer ID to the received transfer designation information and transmitting it to the transfer designation information management server;
The transfer designation information management server is configured to receive the customer ID and transfer designation information from the customer terminal;
Means for storing the received transfer designation information in the transfer designation information storage means in association with the received customer ID;
Means for receiving a customer ID from the automatic transaction apparatus;
Means for searching the transfer designation information storage means based on the customer ID and extracting the corresponding transfer designation information when the customer ID is received;
Means for transmitting the extracted transfer designation information to the automatic transaction apparatus,
The automatic transaction apparatus comprises means for reading card information from a customer transaction card;
Means for transmitting the customer ID of the read card information to the transfer designation information management server;
Means for receiving transfer designation information from the transfer designation information management server;
Means for accepting selection of the received transfer designation information;
An automatic transaction system comprising: means for executing a transfer process based on the selected transfer designation information and the card information. In claim 1,
The automatic transaction apparatus comprises a means for displaying a designation button with the representative information of the received money transfer designation information as a button name when accepting selection of the money transfer designation information. An automatic transaction system comprising: a sales server that sells products to a customer via a public network; a customer terminal that is connected to the sales server via a public network; and an automatic transaction device that is connected to the customer terminal by wireless communication There,
The sales server comprises means for transmitting transfer designation information to the customer terminal when a sales contract with a customer is established,
The customer terminal is configured to receive transfer designation information from the sales server;
Means for storing the received transfer designation information;
Means for accepting selection of the stored transfer designation information;
Means for transmitting the selected transfer designation information to the automatic transaction apparatus,
The automatic transaction apparatus comprises means for reading card information from a customer transaction card;
Means for receiving transfer designation information from the customer terminal;
An automatic transaction system comprising: means for executing a transfer process based on the received transfer designation information and the card information. In claim 3,
The said customer terminal is provided with a means to display the designation | designated button which used the representative information of the stored said payment designation | designated information as a button name, when accepting selection of the said payment designation | designated information. A transfer designation information management server having a transfer designation information storage means for storing transfer designation information acquired from a sales server that sells products to a customer via a public network when the customer terminal has a sales contract, in correspondence with the customer ID An automatic transaction device connected to
Means for reading card information from a customer transaction card;
Means for acquiring transfer designation information from the transfer designation information management server based on the customer ID of the read card information;
Means for accepting selection of the acquired transfer designation information;
An automatic transaction apparatus comprising: means for executing a transfer process based on the selected transfer designation information and the card information. In claim 5,
An automatic transaction system comprising: means for displaying a designation button with the representative information of the acquired bank designation information as a button name when accepting selection of the bank designation information. An automatic transaction apparatus that connects by wireless communication with a customer terminal that stores transfer designation information acquired from a sales server that sells products to customers via a public network when a sales contract is established,
Means for reading card information from a customer transaction card;
Means for receiving transfer designation information from the customer terminal;
An automatic transaction system comprising: means for executing a transfer process based on the received transfer designation information and the card information. A sales server that sells products to customers via a public network; a customer terminal that connects to the sales server via a public network; and transfer designation information storage means for storing transfer designation information in correspondence with a customer ID An automatic transaction method for an automatic transaction system comprising a transfer designation information management server connected to the public network and an automatic transaction apparatus connected to the transfer designation information management server,
When the sales server establishes a sales contract with a customer, and sends the transfer designation information to the customer terminal;
The customer terminal attaches a customer ID to the received transfer designation information and transmits it to the transfer designation information management server;
The transfer designation information management server stores the received transfer designation information in the transfer designation information storage means in association with the received customer ID;
The automatic transaction device reads card information from a customer transaction card;
The automatic transaction apparatus acquires the transfer designation information from the transfer designation information management server based on the customer ID of the read card information;
An automatic transaction method comprising: a step in which the automatic transaction apparatus executes a transfer process based on the transfer designation information selected from the acquired transfer designation information and the read card information. An automatic transaction system comprising: a sales server for selling products to a customer via a public network; a customer terminal connected to the sales server via a public network; and an automatic transaction apparatus connected to the customer terminal by wireless communication Automatic transaction method,
When the sales server establishes a sales contract with a customer, and sends the transfer designation information to the customer terminal;
The customer terminal stores the received transfer designation information;
The automatic transaction device reads card information from a customer transaction card;
The automatic transaction apparatus receives transfer designation information stored from the customer terminal; and
An automatic transaction method comprising: a step in which the automatic transaction apparatus executes a transfer process based on the received transfer designation information and the read card information.