JP2007316959A - Transfer method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To make not only a person who performs transfer but also a third person check the transfer content in performing money transfer. <P>SOLUTION: When an account owner performs money transfer from his/her own account, an approval request for transfer is notified, if the transfer is a transfer of a large amount exceeding an upper limit threshold of transfer amount set in the account concerned, to the third person preliminarily registered in the account, and immediate response and approval by use of an automated teller machine, a bank window or a terminal device such as cellular phone is received therefrom, whereby the transfer of the large amount is completed. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention is a system technology of a transfer method in money transfer to an account.

  When money is transferred to a transfer destination account at a financial institution or the like, the transfer is possible if the transfer destination account actually exists. In addition, if it is within the amount stored in its own account, it is possible to transfer the amount freely at the discretion of the individual.

JP 2002-157428 A

  In recent years, the transfer fraud (Ole fraud), which has become a social issue, is instructed to transfer money to the specified account, but the customer who makes the transfer believes in false fake stories due to mental upset and cannot make a normal judgment The money will be transferred to the designated account.

  Also, if the account is specified incorrectly, money may not be returned to the original account or the customer who made the transfer, even if it is noticed after the transfer.

  This problem is not limited to ATMs, but is common when making money transfers at financial institutions.

  The present invention has been made to solve such a problem, and aims to reduce fraud and mistransfer.

  In the present invention, the customer sets a transfer approver by a third party in advance in the money transfer in the ATM and financial institution window processing. In addition, a threshold for the transfer amount that requires approval by a third party is set. In addition, the customer's contact information to be notified when the transfer process is completed and when the approver does not approve the transfer is also set.

  By doing so, a transfer approval process by a third party is required to transfer an amount of money equal to or greater than the threshold to the account. As a result, the third party verifies the transfer account and the transfer amount.

  In addition, when transferring an amount less than the threshold to an account, a transfer approval process by a third party is not necessary, and the transfer process is immediately performed to the account.

  The transfer approval request notification means to the third party according to the present invention can use a method that can respond immediately, such as e-mail, mobile phone, etc. If the e-mail is transferred by the customer, the e-mail of the approver An email requesting an approval request is sent to the address, and if it is a mobile phone, a phone requesting an approval request is entered into the registered telephone number of the approver. In any case, useful information such as the name of the customer who makes the transfer, the transfer destination account, the transfer destination name, and the transfer amount is notified.

  If the information notified for the approval request is valid, the approver can perform transfer approval at an ATM or a bank window.

  The approval input method preferably uses a combination of an approver ID and a password, or a method using biometric authentication technology such as palm vein authentication or finger vein authentication.

  According to the present invention, in addition to transfer approval at an ATM or a bank counter, transfer approval using an e-mail reply, telephone response, website, or the like is possible.

  When making a transfer approval by replying by e-mail or using a website to make a transfer approval, it is possible to use a combination of an approver ID and password, or a PC or mobile phone registered in advance. It is preferable to validate only an approval input from a limited terminal such as a terminal device.

  In the case of transfer approval by telephone response, it is preferable to use a combination input of an approver ID and a password or a voiceprint determination technique.

  The approver by the third party of the present invention can register a plurality of persons in advance. If only one approver is registered, one approver may approve it. When a plurality of approvers are registered, it is possible to set only one of them to be approved, but it is also possible to set that a plurality of or all the approvers must approve. For example, when it is assumed that an approver cannot respond immediately, it is preferable to register a plurality of people and set one to be approved by one of them.

  In the present invention, when a plurality of approvers are set, the approval request order to the approver can be set. When the priority order is set, the approval request notification is sent to the highest approver first, and if the approver does not approve by the preset time, the approver of the next order is sent. An approval request notification is made. If the approver does not approve by a preset time, an approval request is notified to the subordinate approver. By doing so, finally, only one person needs to be approved, and even if there is no approver, the next authorized person can make the approval.

  When the third party approver approves the transfer, the transfer process to the corresponding account is performed, and the transfer procedure completion notice is sent to the transfer customer and the third party approver.

  If the third-party approver does not approve the transfer, the transfer process to the corresponding account is not performed, and a transfer failure notification is made to the customer who attempted to transfer and the third-party approver.

  By a third party who is the present invention, when a person is mentally upset with false contents such as money transfer fraud (Ole fraud), which has become a social problem in recent years, and money is transferred to a specified account This can be prevented in advance by using a processing method in which the transfer process is executed only when the transfer content is requested and the transfer is approved. Also, if you make a mistake in the account designation at the time of transfer, you may not be able to return money to the original account or the customer who made the transfer even if you notice it after the transfer, but by using the transfer processing method of the present invention The content can be checked by the transfer approver.

  Hereinafter, embodiments of the present invention will be described in the following items.

A. overall structure:
B. Function block:
C. Approver registration process:
D. Transfer process:
E. Approval processing overall structure:
FIG. 1 is an explanatory diagram showing a schematic configuration of an automatic teller machine (hereinafter referred to as ATM) 200, an information registration terminal 300, a mobile phone 400, and a personal computer 500 as an embodiment.

  The ATM 200 is a device that automatically performs transactions such as cash deposits and withdrawals and transfers in accordance with customer operations.

  As indicated by broken lines in the figure, the ATM 200 includes various units used for transactions. The card transaction mechanism 230 reads information recorded on various magnetic stripe cards used in financial institutions such as so-called cash cards. In these cards, a financial institution number, a subject, a customer account number, and the like are recorded in a predetermined format, and this information is used for identification of an account to be traded, authentication of a customer, and the like.

  The bankbook handling mechanism 240 reads information recorded on the magnetic stripe card of the bankbook or prints a deposit / withdrawal record on the bankbook.

  The touch panel 270 is an interface for displaying information for transactions and inputting operations for customers. The touch panel 270 may be replaced with a combination of a display and a push button switch.

  Exchange of banknotes with customers is performed by the banknote handling mechanism 260.

  At the time of deposit / withdrawal, the banknote handling mechanism 260 discriminates banknotes inserted by customers, classifies them by denomination, and stores them. At the time of withdrawal, the banknote handling mechanism 260 delivers banknotes for the amount designated by the customer and delivers it to the customer from the deposit / withdrawal port. The banknote handling mechanism 260 may use a circulating type that uses the deposited banknotes for withdrawal, or may use a non-circulating type.

  The operation of each unit is controlled by the control unit 210. The control unit 210 is configured as a microcomputer having a CPU, a memory, and a hard disk inside. The control unit 210 has a function of communicating with the host computer 100 through a network. The control unit 210 also has a function of recording transaction contents as an electronic journal on an internal hard disk.

  The ATM 200 has a maintenance panel 250 as an interface for an administrator to perform maintenance on the rear door. The maintenance panel is composed of a touch panel, and displays the operation state of each unit and accepts settings related to the operation of each unit.

  Various units other than those described here can be mounted on the ATM 200. For example, you may provide the specification handling mechanism for issuing the specification which printed the transaction result. Further, a mechanism for storing transaction contents as a journal as a paper medium, that is, a journal printer and a paper supply mechanism may be provided.

  The information registration terminal 300 is a device that registers information such as the name, email address, and telephone number of a third party who requests approval when the transfer amount threshold is exceeded.

  The card reading mechanism 320 reads information recorded on various magnetic stripe cards used in financial institutions such as so-called cash cards. In these cards, a financial institution number, a subject, a customer account number, and the like are recorded in a predetermined format, and this information is used for identification of an account to be traded, authentication of a customer, and the like.

  The touch panel 330 is an interface for displaying information for registration and inputting information. The touch panel 330 may be replaced with a combination of a display and a keyboard.

  The operation of each unit is controlled by the control unit 310. The control unit 310 is configured as a microcomputer including a CPU, a memory, and a hard disk. The control unit 310 has a function of communicating with the host computer 100 through a network.

  The cellular phone 400 transmits and receives calls and emails using a public line. It also accesses the website.

  The personal computer 500 sends and receives e-mails and accesses websites using a public line.

B. Function block:
FIG. 1 shows the functional blocks of the ATM 200 and the information registration terminal 300 together.

  In the present embodiment, the functional blocks of the ATM 200 and the functional blocks of the information registration terminal 300 are constructed by software by recording programs for realizing the respective functions in the memories of the control units 210 and 310. Each of these functional blocks can also be constructed in hardware.

  The control unit 210 includes various functional blocks that operate under the control of the main control unit 220 as shown in the figure. The touch panel control unit 211 controls the operation of the touch panel 270 to display information and input customer operations. The card mechanism control unit 212 controls the card handling mechanism 230, and the passbook mechanism control unit 213 controls the passbook handling mechanism 240.

  The maintenance panel control unit 214 controls the maintenance panel 250 to display the operation state of the ATM 200 and accept operation settings based on the operation of the administrator. The deposit / withdrawal control unit 218 controls the banknote handling mechanism 260 to store banknotes inserted by the customer and withdraw banknotes corresponding to the amount specified by the customer.

  The host communication unit 217 controls communication with the host computer 100. For example, during the transaction, the customer's account, personal identification number, transaction amount, etc. are communicated.

  The journal management unit 215 has a function of storing transaction contents in the journal recording unit 216 as an electronic journal. In the electronic journal, various information relating to the transaction contents such as the name, account number, transaction date and time, transaction item such as deposit and withdrawal, transaction amount, etc., are recorded.

  The control unit 310 includes various functional blocks that operate under the control of the main control unit 340 as illustrated. The touch panel control unit 311 controls the operation of the touch panel 330 to display information and input information. The card reading control unit 312 controls the card reading mechanism 320.

  The host communication unit 313 controls communication with the host computer 100 and communicates, for example, customer accounts, approver contact information, and the like.

C. Approver registration process:
FIG. 2 is a transfer approver registration process flowchart when the information registration terminal 300 is used.

  3 to 5 show examples of display screens when the information registration terminal 300 is used.

  FIG. 6 is an example of a data table set by transfer approver registration.

  A person who performs registration (hereinafter referred to as a customer) selects a transfer approver registration process from the display S30 on the touch panel 330 (step S10), passes the cash card through the card reading mechanism 320, and stores the information recorded on the magnetic stripe card. Read (step S11). Next, a threshold value for the transfer amount is input on the display S31 (step S12). In addition, after the transfer process is performed, the customer's e-mail, telephone number, and other contact information to be notified of whether the approver approves or rejects is entered in the displays S32, S33, and S34 (step S13).

  Next, contact information such as an e-mail address and a telephone number of a third party who becomes an approver is input in the display S35, S36, and S37 (step S14). If there are other approvers, the contact information of the approver is subsequently input through the display S38 (step S15). By registering a unique identification number such as the IP address of the terminal to be used when the approver approves with this input, set the terminal to be approved so that it can only be approved from that terminal Is also possible.

  When the input of the contacts of all the approvers is completed through the display S38, the approval method is set by the approver. This setting is performed only when there are a plurality of approvers (step S16).

  Based on the display S39, it is determined whether approval by all the input approvers is required (step S17). If approval by all approvers is required, all approvers are displayed when the customer makes a transfer request. Only when approved, the transfer process is set to be performed (step S19). Further, when the customer makes a transfer request, the approval request is set to all registered approvers simultaneously (step S20).

  If approval by all the input approvers is not required, it is determined whether or not prioritization of the approver is required by display S40 (step S18). If prioritization is not required, the customer issues a transfer request. In this case, the setting is made so that all the registration approvers request approval at the same time (step S20). In this case, if any one of the approver approves, the transfer process is performed.

  If approval by all the entered approvers is not required and prioritization of the approver is required, enter the order in which the approval request is given priority from among the registered approvers (step) S21). When the customer makes a transfer request, the approval request is made to the approver in that order (step S22). In this case, an approval request is made from the highest priority person, but if the approver does not make a transfer approval or rejection within a certain set time, an approval request will be made to the approver of the next rank. Become. In addition, when the approver rejects the transfer, an approval request is not made to the approver below the next rank.

  After confirming the setting contents in the display S41, the approver is notified that the approver is set according to the request from the customer (step S23). It is also possible to notify the approver's ID and password by this notification.

  It should be noted that the contents set as described above are stored in the host as a data table (FIG. 6).

D. Transfer process:
FIG. 7 is a transfer process flowchart when the transfer is performed in the ATM 200.

  The customer selects a transfer process from the display on the touch panel 270 (step S50), and inserts a cash card into the card handling mechanism 230 of the ATM 200 (step S51). Next, in accordance with the display on the touch panel 270, the transfer destination account is input (step S52). Subsequently, the transfer amount is input according to the display on the touch panel 270 (step S53).

  At this time, it is determined whether the transfer amount is equal to or greater than a threshold value registered in advance (step S54).

  If the transfer amount is smaller than the threshold, the amount transfer process to the designated account is performed (step S57), the card is returned (step S58), and the transfer process is terminated.

  If the transfer amount is equal to or greater than the threshold value, an approval request is made to the approver by a previously registered notification method (step S55).

  Thereafter, the card is returned to the customer (step S56), and the transfer process is terminated.

E. Approval process:
FIG. 8 is a flowchart of an approval process when the approval process is performed by the mobile phone 400, the personal computer 500, or the like.

  9 and 11 show examples of display screens when the mobile phone 400, the personal computer 500, and the like are used.

  10 and 12 show an example of voice guidance when the mobile phone 400 or the like is used.

  The approver has been requested for approval from the customer who has performed the transfer process on the mobile phone 400, personal computer 500, etc. by e-mail (display S80), telephone (voice guidance S90), etc., which are pre-registered notification methods. (Step S60). The approver confirms the customer name (display S81, voice guidance S90) that performs the transfer process by accessing the Web address described in the e-mail or by voice guidance, and decides whether to continue or reject the process ( Steps S61 and S62). When the process is continued, the transfer destination account and the transfer destination name (display S82, voice guidance S91) are confirmed, and it is determined whether the process is continued or rejected (steps S63 and S64). If there is no problem in the transfer destination and the process can be continued, the transfer amount (display S83, voice guidance S92) is confirmed and it is determined whether the process is continued or rejected (steps S65, S66). It is determined whether or not this transfer is appropriate by confirming the name of the customer who performs the transfer process, the transfer destination, and the transfer amount (display S84, voice guidance S93) (step S67).

  If this transfer is rejected by the approval process, the approver is notified that the transfer has been rejected (display S86, voice guidance S95), and the transfer rejection process is performed (step S69). Thereby, the transfer process is discarded, and at the same time, the customer who has performed the transfer process is notified by e-mail, telephone, etc. that the transfer has been rejected (displays S100, S102, voice guidance S110, S112).

  When the transfer is approved, the approver is notified of the completion of the transfer approval process (display S85, voice guidance S94) and transferred (steps S68 and S70), and at the same time, the transfer process is performed. The customer who has made the notification is notified by e-mail, telephone, or the like that the transfer has been completed (display S100, S101, voice guidance S110, S111, step 71).

  As mentioned above, although the various Example of this invention was described, it cannot be overemphasized that this invention is not limited to these Examples, and can take a various structure in the range which does not deviate from the meaning. For example, ATM may be used instead of the information registration terminal.

It is explanatory drawing which shows schematic structure of ATM200 as an Example, and the information registration terminal 300. FIG. It is a transfer approver registration process flowchart when the information registration terminal 300 is used. An example of a display screen when the information registration terminal 300 is used is shown. An example of a display screen when the information registration terminal 300 is used is shown. An example of a display screen when the information registration terminal 300 is used is shown. It is an example of the data table set by transfer approver registration. It is a transfer process flowchart at the time of performing transfer by ATM200. 10 is an approval process flowchart when the approval process is performed by the mobile phone 400, the personal computer 500, or the like. An example of a display screen when the mobile phone 400, the personal computer 500, or the like is used is shown. An example of voice guidance when the mobile phone 400 or the like is used is shown. An example of a display screen when the mobile phone 400, the personal computer 500, or the like is used is shown. An example of voice guidance when the mobile phone 400 or the like is used is shown.

Explanation of symbols

DESCRIPTION OF SYMBOLS 100 ... Host computer, 200 ... ATM, 210 ... Control unit, 211 ... Touch panel control part, 212 ... Card mechanism control part, 213 ... Passbook mechanism control part, 214 ... Maintenance panel control part, 215 ... Journal management part, 216 ... Journal Recording unit, 217 ... Host communication unit, 218 ... Deposit / withdrawal control unit, 220 ... Main control unit, 230 ... Card handling mechanism, 240 ... Passbook handling mechanism, 250 ... Maintenance panel, 260 ... Bill handling mechanism, 270 ... Touch panel, 300 Information registration terminal 310 Control unit 311 Touch panel control unit 312 Card reading control unit 313 Host communication unit 320 Card reading mechanism 330 Touch panel 340 Main control unit 400 Mobile phone 500: Personal computer.

Claims (5)

  When the account holder transfers money from his / her own account, if it is a large transfer exceeding the upper limit threshold of the transfer amount set in the account, to the third party registered in advance in the account, Notify the transfer approval request, and immediately respond and approve using automatic teller machines (hereinafter referred to as ATM), bank counters, mobile phones and other terminal devices to complete the transfer of expensive money A transfer method characterized by that. The transfer method according to claim 1,
As a notification method of approval request to a third party, there is a request method that can respond immediately such as e-mail, telephone, etc. In addition to the method using terminal equipment such as ATM, bank window, mobile phone, etc. as the transfer approval method, A transfer method characterized by completing an expensive money transfer by replying by e-mail, replying by telephone, or a website. The transfer method according to claim 2,
A transfer method characterized in that, as a transfer approval method, when a reply is made by e-mail or approval is made by a Web site or the like, only an approval input from a previously registered terminal device is regarded as valid approval. The transfer method according to claim 1,
A transfer method that allows a third party to notify an approval request to register a plurality of people in advance. The transfer method according to claim 4,
A transfer method in which the priority order of a third party that notifies an approval request can be registered in advance.

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