JP2007087312A - Automatic transaction system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To resolve the problem that a transfer destination mistake is left unknown to induce transfer to an erroneous transfer destination in the case that a transfer destination is inputted from, for example, a mistaken account number entry when performing a transfer transaction, and the problem that transfer to a designated transfer destination is successful in the case of a bank transfer fraud or the like because the possibility of making a transfer destination mistake for reasons other than erroneous input is low, with respect to an automatic transaction device allowing deposit transactions, withdrawal transactions, transfer transactions, etc. of cash by customers' operations and an automatic transaction system having the automatic transaction device and a host computer of a center connected by a communication line. <P>SOLUTION: When a person performs a transfer transaction, a center 17 confirms transfer information to a transfer destination 16 by customer information stored in a database 9 connected to a host computer 7 of the center, before performance of the transfer transaction and preserves confirmation information and informs the person of this information and then performs the transfer transaction. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to an automatic transaction system that can perform withdrawals, deposits, transfers, and the like installed in financial institutions such as banks and convenience stores.

In the case of making a transfer using an automatic transaction apparatus, there is a technique in which a transfer operation is performed after all the input data is confirmed at the time when a transfer person finishes input of a transfer destination (see, for example, Patent Document 1).
JP 2000-67147 A

However, in the above-described conventional technology, if the transfer destination is entered from, for example, an account number written in error, the transfer destination mistake remains unknown and the transfer is made to the wrong place. become.
Further, in the case of a bank transfer fraud, there is a low possibility of causing a bank transfer destination error other than an erroneous input, and the bank transfer is made to a designated bank transfer destination.

An object of the present invention is to solve such a problem.
Therefore, in the present invention, at the time when the input of the transfer destination is completed, the transfer information is transmitted from the center to the registered transfer destination telephone number or e-mail address and confirmed, and then the transfer is notified to the transfer person. The purpose is to prevent bank transfer mistakes and bank fraud by allowing transactions to be executed.

  Therefore, the present invention relates to an automatic transaction apparatus capable of performing a cash deposit transaction, a withdrawal transaction, a transfer transaction, and the like by a customer operation, and an automatic transaction system in which the automatic transaction apparatus and a center host computer are connected via a communication line. When making a transfer transaction, the center confirms the transfer information before executing the transfer transaction with the customer information stored in the database connected to the host computer of the center, and saves the confirmation information to the transfer person. After the notification, a transfer transaction is executed.

  In the present invention as described above, in the transfer transaction, the transfer information is confirmed from the center to the transfer destination in advance before execution, and further, this is also notified to the transfer person. You will be able to prevent fraud.

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

FIG. 1 is a control block diagram showing the first embodiment, and FIG. 2 is an explanatory diagram of an apparatus example.
In the figure, reference numeral 1 denotes an automatic transaction apparatus, which can perform cash deposit transactions, withdrawal transactions, transfer transactions, and the like by customer operations.
Reference numeral 2 denotes a card insertion / discharge port which accepts insertion of a card by a customer's operation and discharges the inserted card for return to the customer. Further, there may be a case where a statement slip on which transaction details are printed is also discharged from the card insertion / discharge opening.

Reference numeral 3 denotes a banknote deposit / withdrawal port which accepts banknotes inserted by customers and delivers banknotes to be dispensed to customers.
Reference numeral 4 denotes a coin deposit / withdrawal port, which accepts coins input by customers and also delivers coins to be dispensed to customers.
Reference numeral 5 denotes a passbook insertion / discharge port which accepts insertion of a passbook by a customer's operation and discharges the inserted passbook to return it to the customer.

  Reference numeral 6 denotes a customer operation display unit, which is a transaction selection screen for guiding a customer's input operation and the like by arranging a touch panel or the like for receiving input by a customer's operation on a display panel such as a CRT (Cathode Ray Tube) or a liquid crystal display. The input information is displayed. Further, the customer operation display unit can detect an input operation performed by the customer with a touch panel and output a predetermined signal.

On the transaction selection screen, when a transaction button such as "withdraw", "deposit", or "transfer" is pressed, the press is detected and a predetermined signal is output to execute the transaction desired by the customer. can do.
7 is a host computer of the center 17, which is installed in an office center of a financial institution such as a bank, and operates and controls means such as a CPU (Central Processing Unit) and MPU (Micro Processing Unit), a magnetic disk, a semiconductor memory, etc. It is provided with storage means and communication means, is connected to the automatic transaction apparatus 1 through the communication line 8 so as to be able to communicate with each other, and exchanges transaction messages such as deposits, withdrawals, transfers, etc. with the automatic transaction apparatus 1, It is determined whether or not the user's transaction is established. Moreover, the personal identification which confirms that the customer who receives the account number and the personal identification number and operates the automatic transaction apparatus 1 is the person is performed.

A database 9 stores customer information.
Reference numeral 10 denotes a card reading / printing unit which reads account information such as an account number from a magnetic stripe or IC chip of a card inserted by the customer through the card insertion / extraction port 2 and details the contents of the transaction performed by the customer. And the card and statement slip are discharged from the card insertion / ejection slot 2.

  Reference numeral 11 denotes a bill depositing / dispensing machine. After the authenticity and denomination of the bill inserted from the bill depositing / dispensing port 3 are performed, the bill is stored inside the apparatus and the withdrawal amount specified by the touch panel is entered into the bill. Drain into the spout 3. Therefore, money type safes such as the banknote discriminating section, temporary holding section, “thousand yen”, “5,000 yen”, and “10,000 yen” are connected by a transport path, and each of them is sorted or fed out by a switching blade. Or

Reference numeral 12 denotes a bankbook unit, which prints transaction details on a bankbook inserted by the customer from the bankbook insertion / extraction port 5, discharges the bankbook from the bankbook insertion / discharge port 5, and returns it to the customer.
Reference numeral 13 denotes a telephone, which can accept questions from customers and give operational instructions to customers.
Reference numeral 14 denotes a control unit, and the operation of the entire automatic transaction apparatus including the customer operation display unit 6, the card reading / printing unit 10, the banknote depositing / dispensing machine 11, the bankbook unit 12 and the telephone 13 is stored in software stored in the storage unit 15. Control based on.

The storage unit 15 stores a control program and the like.
Therefore, when the customer inputs a transfer, for example, the control unit 14 transmits the card information, the personal identification number, and the amount of money to the host computer 7 of the center 17. The data is read from the data and judged to execute the transaction.

  Reference numeral 16 denotes a transfer destination, which can be contacted via the communication line 8 by a telephone number or mail address registered in the database 9 of the host computer 7 of the center. Note that this communication can be similarly made to the telephone number or mail address registered in the database in the host computer of the other bank center connected via the communication line. The host computer and database in the center are concepts including those in other banks.

The operation of the above configuration will be described.
The operation of each unit described below is controlled by the control unit 14 based on software (program) stored in the storage unit 15 as described above.
The transfer transaction will be described below using the flowcharts of FIGS. 3 and 4.
The customer operates according to the procedure displayed on the customer operation display unit as in the case of the conventional automatic transaction apparatus.
S1. Select the transfer transaction, enter the recipient information, and enter the payer information.
S2. It is confirmed whether or not the input information is correct. If it is not correct, S1 is performed again. If it is correct, the process proceeds to S3.
S3. Press the confirmation button.
S4. It is instructed whether or not to confirm the transfer destination by the center. If not, the process proceeds to S11. If it is performed, the process proceeds to S5.
S5. From the center, the transfer information registered in the database 9 is notified by telephone of the transfer information such as the transfer person and the transfer amount.
S6. The transfer destination confirms whether or not the transfer information is correct. If it is not correct, the process proceeds to S13, and if it is correct, the process proceeds to S7.
S7. Tell the center that the transfer is to be made to the bank, and inform them that the phone call will be recorded and stored in the database for a period of time and that the transfer person can hear the recording. obtain.
S8. If the approval of S7 is not obtained, the process proceeds to S13, and if it is obtained, the process proceeds to S9.
S9. The center informs the transfer person by telephone 13 that the confirmation of the transfer destination has been completed by telephone, and reproduces the contents stored in the database to make the transfer person check whether the transfer destination is correct.
S10. If it is confirmed that the transfer destination is incorrect, the process proceeds to S12. If it is confirmed that the transfer destination is correct, the process proceeds to S11.
S11. Execute the transfer transaction and finish.
S12. Notify the bank that the transaction is not to be made, and terminate the transaction.
S13. In S6 or S8, the transfer destination is notified by telephone 13 that the transfer destination has refused the transfer transaction, informing that the transfer transaction is not performed, and the transfer transaction is terminated.

As described above, in the present embodiment, in the transfer transaction, when the transfer person selects that the center confirms the transfer information to the transfer destination before executing the transfer transaction, In addition to being able to confirm and saving the call when the transfer destination is confirmed, it is possible to prevent the occurrence of a transfer error or a transfer fraud.
A transfer transaction will be described with reference to the flowcharts of FIGS. 5 and 6 in the second embodiment.
SP1. Select the transfer transaction, enter the recipient information, and enter the payer information.
SP2. Whether or not the input information is correct is confirmed. If it is not correct, SP1 is performed again. If it is correct, the process proceeds to SP3.
SP3. Press the confirmation button.
SP4. It is instructed whether or not to confirm the transfer destination by the center. If not, the process proceeds to SP11. If it is performed, the process proceeds to SP5.
SP5. From the center, the transfer information registered in the database 9 is notified by e-mail of the transfer information such as the transfer person and the transfer amount.
SP6. The transfer destination checks whether the transfer information is correct. If it is not correct, the process proceeds to SP13, and if correct, the process proceeds to SP7.
SP7. Inform the center that the transfer is to be performed by e-mail, and inform that the e-mail contact is recorded and stored for a certain period of time and that the transfer person can view this e-mail. obtain.
SP8. If the approval of SP7 cannot be obtained, the process proceeds to SP13, and if it is obtained, the process proceeds to SP9.
SP9. The center informs the transfer person by e-mail that the transfer destination has been confirmed by e-mail, and attaches the e-mail when the transfer information is confirmed to the transfer destination, and causes the transfer person to check whether the transfer destination is correct.
SP10. If it is confirmed that the transfer destination is incorrect, the process proceeds to SP12, and if it is confirmed that the transfer destination is correct, the process proceeds to SP11.
SP11. Execute the transfer transaction and finish.
SP12. Notify the bank that the transaction is not to be made, and terminate the transaction.
SP13. At SP6 or SP8, the transfer recipient is notified by e-mail that the transfer transaction has been refused, telling the customer that the transfer transaction will not be performed, and the transfer transaction is terminated.

  As described above, in this embodiment, in the transfer transaction, when the transfer person selects that the center confirms the transfer information to the transfer destination before executing the transfer transaction, the transfer destination Can be confirmed, and the e-mail when the transfer destination is confirmed is saved, so that it is possible to prevent the occurrence of a transfer error or a transfer fraud.

Control block diagram showing an embodiment Illustration of device example Flowchart explaining the transfer transaction of the first embodiment Flowchart explaining the transfer transaction of the first embodiment Flowchart for explaining the transfer transaction of the second embodiment Flowchart for explaining the transfer transaction of the second embodiment

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Automatic transaction apparatus 2 Card insertion discharge port 3 Banknote deposit / withdrawal port 4 Coin deposit / withdrawal port 5 Passbook insertion / discharge port 6 Customer operation display part 7 Host computer 8 Communication line 9 Database 10 Card reading / printing part 11 Banknote depositing / withdrawing machine 12 Passbook part 13 Telephone 14 Control unit 15 Storage unit 16 Transfer destination 17 Center

Claims (4)

In an automatic transaction system in which a cash deposit transaction, a withdrawal transaction and a transfer transaction can be performed by a customer's operation, and an automatic transaction system in which the host computer of the center is connected to the automatic transaction apparatus and a communication line,
At the time of the transfer transaction, the center confirms the transfer information before executing the transfer transaction to the transfer destination based on the customer information stored in the database connected to the host computer of the center, saves the confirmation information and notifies the transfer person After that, an automatic transaction system characterized by executing a transfer transaction. 2. The automatic transaction system according to claim 1, wherein confirmation of transfer information before execution of transfer transaction to the transfer destination is performed by selection of a transfer person. 2. The automatic transaction system according to claim 1, wherein the transfer information is confirmed by telephone. 2. The automatic transaction system according to claim 1, wherein the transfer information is confirmed by e-mail.