JP2008310823A - Automatic teller machine - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To facilitate a recipient information input operation in a transfer transaction operation in an automatic teller machine, and to surely achieve transfer transaction, and to obtain the same effects even when a user uses the automatic transaction device in an arbitrary financial institute. <P>SOLUTION: This system is provided with a management center 7 equipped with a host computer having a database in which unique numbers are given to recipient information, and all recipient numbers are managed; and a communication means between the host computer of a financial institute owning an automatic teller machine and the host computer of a management center. When a user inputs recipient numbers by using the automatic transaction device, the recipient numbers are transmitted to the host computer of the management center, and the recipient information is collated with the recipient numbers, so that the user can designate the recipient only by inputting the numbers. <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

The present invention relates to a processing method for performing a transfer transaction in an automatic transaction apparatus in an automatic transaction system.

In Japanese Patent Laid-Open No. Hei 6-282728, a transfer card in which transfer destination information data necessary for a transfer by a seller is issued to a customer, and the customer transfers money using an automatic transaction apparatus using the transfer card. Technology is shown.

JP-A-6-282728

In the conventional technique, since a transfer card is used, an automatic transaction apparatus that can be used has been specified.

In order to achieve the above-mentioned problems, a host of a financial institution that assigns a unique number to bank information, manages a host computer having a database that can manage all bank numbers, and manages an automatic transaction apparatus. Communication means is provided between the computer and the host computer of the management center. When the transfer person inputs the transfer destination number with the automatic transaction apparatus, the transfer destination number is transmitted from the automatic transaction apparatus to the database on the host computer of the management center via the host computer of the financial institution. The management center's host computer searches for the transfer number,
Transfer destination information for the transfer destination number is sent to the automatic transaction apparatus via the host computer of the financial institution. The automatic transaction apparatus performs a transfer process using the transfer destination information, so that the transfer person can transfer without inputting transfer information such as a transfer destination financial institution name.

In addition, a unique number is assigned to a payment request slip issued to a customer by a seller such as catalog sales, and is registered in the database on the host computer in association with the transfer destination information. When the slip number is input by the automatic transaction apparatus, the transfer destination number and the slip number are transmitted from the automatic transaction apparatus to the database on the host computer of the management center via the host computer of the financial institution. The host computer of the management center sends the billed amount to the automatic transaction apparatus via the host computer of the financial institution according to the transfer destination number and the slip number. The automatic transaction apparatus displays the billing amount on the display device and makes the transfer person confirm the transfer amount, so that the transfer person can perform the transfer without inputting the transfer amount.

  In addition, the customer can make a transfer using any automatic transaction apparatus that supports the system.

According to the present invention, it becomes possible for a user to designate a transfer destination only by inputting a number with an automatic transaction apparatus of an arbitrary financial institution equipped with this system, so that service and operability for the user can be provided. Can be improved.

In addition, since the transfer amount is inquired from the transfer destination, it is possible to avoid the trouble that the user transfers the wrong amount.

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

FIG. 1 is a block diagram of a transfer system according to the present invention. Each bank (Bank A1, Bank B2, ...
, Bank N3) and the management center 7 are connected via respective communication lines (communication line 4, communication line 5,..., Communication line 6).

FIG. 2 is an external view of the automatic transaction apparatus according to the present invention. 8 is the main body of the automatic transaction apparatus,
The bankbook entry / exit 9, card entry / exit 10, bill entry / exit 11, coin entry / exit 12, and operation guide screen are displayed and a display device 13 is provided for processing input.

FIG. 3 is a block diagram of an automatic transaction apparatus and a host computer of a financial institution according to the present invention. Reference numeral 14 denotes an automatic transaction apparatus body, which includes a card reading unit 15, a passbook statement printing unit 16, a banknote deposit / withdrawal unit 17, a coin deposit / withdrawal unit 18, a control unit 19, an interface unit 20, and a display input unit 21.
The storage unit 22 and the power supply units 23 and 24 are communication lines that are communication media with the host computer of the financial institution. Reference numeral 25 denotes a host computer body of a financial institution, and a storage unit 26 and a control unit 2
7, the interface unit 28 and the power supply units 29 and 30 are communication lines which are communication media with the host computer of the management center.

FIG. 4 is a block diagram of the host computer of the management center according to the present invention.
Reference numeral 31 denotes a host computer main body of the management center, and a storage unit 32, a control unit 33, an interface unit 34, and power supply units 35 and 30 are communication lines which are communication media with the host computer of the financial institution.

FIG. 5 is an example of data managed in the transfer destination number database of the host computer of the management center according to the present invention. Reference numeral 36 denotes a transfer destination number, and a transfer destination name (company name) 37 and transfer destination information (financial institution name, branch name, subject, account number, etc.) 38 are recorded for the transfer destination number.

FIG. 6 is an example of data managed in the slip number database of the host computer of the management center according to the present invention. Reference numeral 39 denotes a transfer destination number, which records a slip number corresponding to the transfer destination number, that is, a slip number 40 issued by the transfer destination company and a charge amount 41.

FIG. 7 is a transfer destination number input screen of the automatic transaction apparatus according to the present embodiment. The user inputs the transfer destination number by pressing the number key 43. The input transfer number is displayed in the transfer number display area 42. The user confirms the displayed number and presses the confirmation key 44 to complete the input of the transfer destination number.

FIG. 8 is a slip number input screen of the automatic transaction apparatus according to the present embodiment. The user inputs the slip number by pressing the number key 46. The entered slip number is displayed in the slip number display area 45. The user confirms the displayed number and presses the confirmation key 47 to finish inputting the transfer destination number.

FIG. 9, FIG. 10 and FIG. 11 are respectively a processing flow of the automatic transaction apparatus, a processing flow of the host computer of the financial institution and a processing flow of the host computer of the management center when performing the transfer transaction according to the present invention. The user selects a key for performing a transfer from among the transaction name keys displayed on the display device 13 of the automatic transaction apparatus 8. (Step 48)
When the transaction is selected, the control unit 19 causes the display input unit 21 to display that the transfer method is selected, and the user inputs the transfer method from the display input unit 21. (Step 49)
When selection of the transfer method is completed, the control unit 19 displays that the card is inserted into the display input unit 21 when the transfer by account withdrawal is selected in step 48, and the card reading unit 15 displays the card inhalation. When the user inserts a card into the card reading unit 15, the card reading unit 15 reads the card and stores it in the storage unit 22. (Step 50)
When the storage is completed, the control unit 19 displays on the display input unit 21 that the password is input, and the user inputs the password from the display input unit 21. (Step 51)
After completion of the input of the password at step 50 or when the transfer by cash is selected at step 48, the control unit 19 displays on the display input unit 21 that the transfer destination number is input (FIG. 7).
When the user inputs the transfer destination number specified in the payment request slip from the display input unit 21, the input transfer destination number is stored in the storage unit 22. (Step 52)
Subsequently, the control unit 19 displays on the display input unit 21 that the slip number is input (FIG. 8).
When the user inputs the slip number assigned to the payment request slip from the display input unit 21, the input slip number is stored in the storage unit 22. (Step 53)
When the input of the number is completed, the control unit 19 transmits the transfer inquiry data including the input transfer destination number and slip number to the host computer 25 of the financial institution via the communication line 24. (Step 53)
The transmitted data is received by the control unit 27 of the host computer of the financial institution. As for the transfer destination number data and slip number data, the control unit 27 of the host computer of the financial institution transmits the transferred transfer destination number data and slip number data to the host computer 31 of the management center via the communication line 30. (Step 59)
The transmitted data is received by the control unit 33 of the host computer of the management center, and the storage unit 3
The transfer destination number registered in the transfer destination management data of No. 2 is searched, and the transfer destination information is stored in the storage unit 32.
To remember. (Step 61)
Subsequently, the control unit 33 searches for the transfer destination number registered in the slip management data in the storage unit 32, searches for the slip number registered in the searched transfer destination number data, and stores the payment request amount in the storage unit 32. To remember. (Step 62)
When the search for the transfer destination information and the requested payment amount is completed, the control unit 33 transmits the input transfer destination information data and the requested payment amount data to the host computer 25 of the financial institution via the communication line 30. (Step 63)
The transmitted data is received by the control unit 27 of the host computer of the financial institution, and the control unit 27 of the host computer of the financial institution receives the transfer destination information, the amount requested for payment (transfer amount), and the transfer inquiry data received in step 53. To determine whether or not transfer inquiry can be made, and the communication line 24
An answer is transmitted to the automatic transaction apparatus 14 via (Step 60)
The control unit 19 of the automatic transaction apparatus displays on the display input unit 21 that the content is to be confirmed together with the transfer content based on the received response, and the user confirms the content. (Step 55)
When the transfer by cash is selected in step 48, the control unit 19 displays an instruction to input cash on the display input unit 21, and the banknote deposit / withdrawal unit 17 and the coin deposit / withdrawal unit 18 are displayed.
Is activated to prompt the user to insert cash, and when the cash is inserted, the cash count is executed. (Step 56)
In the case of direct debit transfer, the control unit 19 edits the information necessary for the transfer transaction after completing the transfer details confirmation in step 54, and in the case of cash transfer after completing the cash input in step 55. The host computer 25 is inquired to execute a transaction and receives an answer. (Step 57)
After receiving the transaction execution reply message, the control unit 19 instructs the passbook statement slip printing unit 16 to issue a statement slip with edited transaction information, and causes the display input unit 21 to display that the statement slip is received. Ends the transaction by receiving the statement. (Step 58)

It is a transfer system block diagram by this invention. It is an external view of the automatic transaction apparatus by this invention. It is a block diagram of the automatic transaction apparatus by this invention and the host computer of a financial institution. It is a block diagram of the host computer of the management center by this invention. It is an example of the data managed in the transfer destination number database of the host computer of the management center by this invention. It is an example of the data managed by the slip number database of the host computer of the management center according to the present invention. It is a transfer destination number input screen of the automatic transaction apparatus in a present Example. It is a slip number input screen of the automatic transaction apparatus in the present embodiment. It is a processing flow of the automatic transaction apparatus when performing the transfer transaction by this invention. It is a processing flow of the host computer of the financial institution at the time of performing the transfer transaction by this invention. It is a processing flow of the host computer of the management center when performing the transfer transaction by this invention.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 ... Bank A, 2 ... Bank B, 3 ... Bank N, 4 ... Communication line, 5 ... Communication line, 6 ... Communication line,
7 ... Management center, 8 ... Main body of automatic transaction apparatus, 9 ... Passbook entry / exit, 10 ... Card entry / exit,
DESCRIPTION OF SYMBOLS 11 ... Banknote entrance / exit, 12 ... Coin entrance / exit, 13 ... Display apparatus, 14 ... Automatic transaction apparatus main body, 15 ... Card reading part, 16 ... Passbook statement printing part, 17 ... Banknote depositing / withdrawing part, 18 ... Coin depositing / withdrawing part, DESCRIPTION OF SYMBOLS 19 ... Control part, 20 ... Interface part, 21 ... Display input part, 22 ... Memory | storage part,
23 ... Power supply unit, 24 ... Communication line, 25 ... Host computer body, 26 ... Storage unit, 27 ...
Control unit, 28 ... interface unit, 29 ... power supply unit, 30 ... communication line, 31 ... host computer main body, 32 ... storage unit, 33 ... control unit, 34 ... interface unit, 35 ... power supply unit,
36 ... Transferee number, 37 ... Transferee name (company name), 38 ... Transferee information, 39 ... Transferee number, 40 ... Voucher number, 41 ... Billed amount, 42 ... Transferee number display area, 43 ... Number key 44 ... confirmation key, 45 ... slip number display area, 46 ... number key, 47 ... confirmation key.

Claims (4)

An automatic transaction apparatus having a display input unit, a bill deposit / withdrawal unit, and an interface unit that communicates with a host device via a communication line,
The display input unit
A screen showing multiple transaction name keys;
A screen prompting you to select a transfer method,
A screen that prompts you to enter a predetermined number that can uniquely identify the transfer destination,
A screen that prompts the user to input another number that can specify the billing amount along with the predetermined number;
A screen prompting confirmation by showing the transfer destination information received from the host device and the amount charged for payment;
A screen that prompts the user to insert cash into the banknote deposit and withdrawal unit;
Is displayed,
The interface unit is
Processing for transmitting inquiry data including the predetermined number and the other number to the host device via a communication line, and receiving the transfer destination information and the amount billed;
Processing for sending a transaction execution inquiry to the host device and receiving an answer to the transaction execution inquiry;
An automatic transaction apparatus characterized by The automatic transaction apparatus according to claim 1, wherein
2. The automatic transaction apparatus according to claim 1, wherein the host device includes a host computer of a financial institution and a host computer of a management center. The automatic transaction apparatus according to claim 1 or 2,
A control unit, a card reading unit, and a storage unit;
The transfer transaction is executed by cash payment or account withdrawal specified on the screen for selecting the transfer method to be displayed on the display input screen,
When the cash input is designated by the display input unit, the control unit receives cash input, counts the inserted cash by the banknote deposit / withdrawal unit, and the account input is designated by the display input unit. Sometimes, the card is inhaled into the card reading unit, the card information is read and stored in the storage unit, and a password is entered.
An automatic transaction apparatus, characterized in that the counted cash amount or the entered personal identification number is transmitted to the host apparatus via a communication line by the interface unit. An automatic transaction apparatus having a display input unit, a banknote deposit / withdrawal unit, and a control unit,
The display input unit
A screen showing multiple transaction name keys;
A screen prompting you to select a transfer method,
A screen that prompts you to enter a predetermined number that can uniquely identify the transfer destination,
A screen that prompts the user to input another number that can specify the billing amount along with the predetermined number;
A screen prompting confirmation by showing the transfer destination information received from the host device and the amount charged for payment;
A screen that prompts the user to insert cash into the banknote deposit and withdrawal unit;
Is displayed,
The controller is
Transmitting the predetermined number and the other number input in the display input unit to the host device;
The transfer destination information stored in advance in the host device in association with the predetermined number, and the billing amount stored in the host device in advance in association with the other number are received from the host device,
Display the transfer destination information and the billed amount on the display input unit,
An automatic transaction apparatus, wherein a transaction execution inquiry is transmitted to the host apparatus and a response to the transaction execution inquiry is received.

Images