JP2007316960A - Automatic transaction device - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a cash automatic transaction device capable of simply changing an account holder name, an address, and a telephone number registered as the account information. <P>SOLUTION: The cash automatic transaction device is capable of changing the account information by inputting the new account holder name, the new address and the new telephone number by a user to whom the account holder name, the address, the telephone number, and the like, are changed due to marriage, transfer, move, and the like. By inserting a card to be newly changed, the account holder name, the address and the telephone number are changed to the new account holder name, the new address, the new telephone number, and the like of the inserted card, by using the information on a new account holder name, a new address and a new telephone number already registered. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention relates to an automatic teller machine capable of various transactions at a financial institution such as a post office, a bank, and a credit company, and relates to a center, a system, a method, a medium for storing them, and a service.

  “Automatic transaction apparatus and control method thereof” (Patent Document 1) is disclosed.

JP-A-10-261133

  According to the above-described prior art, the invention is intended to change the registered address of a passbook or card account. However, in the present invention, only one account that is the account is changed. Therefore, in order to change other accounts, it has been necessary to perform complicated procedures again in the automatic transaction apparatus.

  The present invention employs the means, configurations, and the like listed below in order to solve at least one of the above-described objects. It should be noted that the enumerated items shown below are not necessarily all provided, and two or more items may be appropriately combined. In the following, characteristic features specific to the present invention are listed.

  If the user selects the account information change, which is the account name, address, or telephone number change, on the account information change selection screen in the automated teller machine, the host computer performs central communication with the host computer, and the card account inserted by the user The account name, address, and telephone number of the account information file are searched using the number. If the corresponding information is found as a result of the search, the account name / address and telephone number are returned to the automatic teller machine as a search result. The automatic teller machine that has received the response displays the address and telephone number that are currently registered account information on the operation display input section, and then the user receives the new account name, new address, and new telephone number. Prompt for input and confirmation. After the user confirms, central communication with the host computer is performed, and the host computer changes the current account name, current address, and current telephone number in the account information file to the new address and new telephone number, and replies to the automatic transaction apparatus. The automated teller machine that received the response confirms whether the user wishes to update other accounts using the changed account information or contact other financial institutions, and if it wishes to contact, update / contact processing Migrate to If the user does not wish to be contacted, the change contents of the account information are output on the statement slip and handed over to the user together with the card to complete the transaction. If the user has already changed the account information and wishes to contact only, the card already inserted is returned to the user once and the card desired to be changed is urged to be reinserted. After the card is reinserted, central communication with the host computer is performed, and the host computer searches each account information file by using the card first inserted by the user and the account number of the reinserted card. If the corresponding account is found as a result of the search, the account information is returned to the automatic teller machine. The automatic teller machine that received the response will be the account name, new address, new phone number of the first inserted card, and the current account name, current address, and current phone number registered in the newly inserted card. Is displayed on the operation display input unit, and the user is prompted to confirm whether or not an update notification of the current account name, new address, and new telephone number is necessary. After confirming the user, central communication with the host computer is performed, and the host computer updates the account information of the reinserted card and returns the result to the automatic teller machine. Upon receipt of the response, the automated teller machine outputs the account information to the statement slip and passes it to the user together with the card to complete the transaction.

  According to the present invention, it is possible to change the new account name, the new address, the new telephone number, and the like, which are account information owned by the user, by a simple procedure, so that the convenience of the user can be improved. In addition, it is possible to collect fees from users who use this service, so a sufficient effect can be obtained even in financial institutions.

  Hereinafter, an embodiment for executing a transaction in an automatic teller machine (ATM: Automated Teller Machines, or simply an automatic transaction device) according to the present invention, and various types of transactions based on requests from ATMs connected to the ATM. A plurality of centers or host computers (also referred to as servers or host devices) that execute processing will be described in detail with reference to the drawings.

FIG. 1 shows an outline diagram of account information change processing. 2 shows an outline diagram of account information search processing, FIG. 3 shows an outline diagram of account information update processing, and FIG. 4 shows a configuration diagram of an account information change system. FIG. 5 is a configuration diagram of the account information file. The automatic cash transaction apparatus applied to the present embodiment is an automatic cash transaction apparatus 1 that performs cash withdrawal and deposit transactions, etc. as shown in FIG. 11 is connected. In the automatic teller machine 1 applied to the present embodiment, an operation display input unit 3 for displaying an operation guidance and an announcement screen for a user and allowing a user to perform an input operation with a touch panel, etc., and a cash card are inserted and discharged. And a card reading / issuing mechanism unit 4 for issuing, a statement slip printing mechanism unit 5 for printing and discharging transaction statements, a bill depositing / dispensing mechanism unit 6 for inserting and discharging bills, and a coin depositing / dispensing mechanism unit 7 for inserting and discharging coins. . The host computer 9 includes an automatic teller machine connection unit 11, an account information file control unit 12, and an account information file 13. The account information file 13 is composed of an account number, an account name, an address, a telephone number, and other account-owned financial institutions 1, financial institutions 2, and financial institutions 3 that are account information. Processing>
First, the account information changing process in the automatic teller machine 1 will be described with reference to FIG. A user starts a transaction by inserting a card into the card reading mechanism unit 4 of the automatic teller machine 1. (Step 100, Step 101). After the card is inserted, the password is input to the operation display input unit 3 (step 102). After entering the PIN, the automatic teller machine 1 changes the account name, address, telephone number, or other account information using the updated account information, which is account information, on the account information change selection screen displayed by the operation display input unit 3 Is selected to the user (step 103). If the user has selected to change the account name, address, or telephone number, a message is exchanged with the host computer 9 (step 112). The host computer 9 searches the account name, address, and telephone number of the registered user from the account information file 13 through the account information file control unit 12 using the account number of the user received from the automatic teller machine 1 as a key. Answer to the automatic teller machine 1. The automatic teller machine 1 displays the address and telephone number received from the host computer 9 on the operation display input unit 3 and prompts the user for confirmation (step 113). After confirmation by the user, the user inputs the new account name, new address or new telephone number, which is new account information, to the operation display input unit 3 (step 114). After the new account information is input, the input content is displayed on the operation display input unit 3 to prompt the user to confirm (step 115). After confirmation by the user, a message is exchanged with the host computer 9 (step 116). The host computer 9 updates the account information file 13 using the new account name, new address, and new telephone number, which are new account information received from the automatic teller machine 1, and replies the update result to the automatic teller machine 1. The automatic teller machine 1 that has received the response prompts the user to confirm whether or not he / she wishes to change other account information using the updated account information (step 117). If the user has not selected other account information change, the passbook / detail slip printing mechanism unit 5 prints the account information change result, and passes it to the user together with the inserted card to complete the transaction ( Step 110, Step 111). If the user continues to select other account information update, or if other account information update is selected in the account information change selection using account information that has already been updated, the name of the other account or other financial institution The user is prompted to make a selection (step 104). After the selection by the user, the card inserted first is temporarily returned, and the user is prompted to insert a card for which new account information is to be updated (step 105). After the card is inserted, a message is exchanged with the host computer 9 (step 106). The host computer 9 uses the account number of the card inserted first received from the automatic teller machine 1 as a key, and the account name file, new address, new phone number, and user are entered from the account information file 13 via the account information file control unit 12. The current registered account name, current address, and current telephone number, which are the re-inserted account information, are searched and returned to the automatic teller machine 1. The automatic teller machine 1 displays the account information received from the host computer 9 on the operation display input unit 3 to display that it is changed to new account information for the user and prompts confirmation (steps 107 and 108). After confirmation by the user, a message is exchanged with the host computer 9 (step 109). The host computer 9 updates the account information file 13 with new account information with the new account information received from the automatic teller machine 1. When it is necessary to contact another financial institution, the other financial institution information is updated together with the other financial institution, and the updated result is returned to the automatic teller machine 1. The automatic teller machine 1 prints the answer result by the statement slip printing function 5 and passes it to the user together with the re-inserted card to complete the transaction (step 110, step 111).
<Center side processing>
Next, the account information search process will be described with reference to FIG. The automatic teller machine 1 transmits an account information file search request to the host computer 9 at the time of central communication after selecting address / phone number change (step 200). After receiving the account information search request, the host computer 9 searches the corresponding information using the account number of the card inserted by the user as a search key (step 201, step 202). If there is such information, the account name, address, and telephone number are returned as a search result to the automatic teller machine 1 (step 203). The automatic teller machine 1 outputs the search response result received from the host computer 9 as display information to the operation display input unit 3 (step 204).
Next, account information update processing will be described with reference to FIG. The automatic teller machine 1 sends an account information update request to the host computer at the time of central communication after inputting the new account name, new address and new telephone number, which are new account information, or after selecting another account information update using the updated account information. 9 (step 300). After accepting the account information update request, the host computer 9 writes the new account name, new address, and new telephone number to the account information file 13 based on the account information entered by the user or already updated, and updates the file. If contact with another financial institution is required, message communication with the other financial institution is performed and the processing result is written in the account information file 13 (step 301, step 302). After the update, the update result is output to the statement slip using the statement slip printing mechanism unit 5 (step 304).

  In the present embodiment, the updating of bank-related account information has been mainly described, but it is needless to say that the member information of a credit company or the like having no account can be changed according to the present invention.

An example figure of the account information change process schematic diagram by this invention. An example figure of the account information search process schematic diagram by this invention. An example figure of the account information update process schematic diagram by this invention. An example figure of the account information change system configuration by the present invention. An example figure of the account information file block diagram by this invention.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 ... Automatic cash transaction apparatus, 2 ... Control part, 3 ... Operation display input part, 4 ... Card reading issuing mechanism part, 5 ... Statement slip printing mechanism part, 6 ... Banknote depositing / withdrawing mechanism part, 7 ... Coin depositing / withdrawing mechanism part 8, host computer connection unit, 9 ... host computer, 10 ... host computer control unit, 11 ... automatic teller machine connection unit, 12 ... account information file control unit, 13 ... account information file.

Claims (1)

In an automated teller machine where account information can be changed by a user whose account name / address / phone number has been changed due to marriage, transfer, moving, etc. by entering a new account name / address / new phone number , New account name / new address, new phone number, etc. that are the account information of the card inserted by inserting the card that you want to change using the information of the registered new account name / new address, new phone number, etc. An automatic cash transaction apparatus characterized by being able to be updated.

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