JP2010231472A - Automatic transaction apparatus and automatic transaction system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To solve the problem that while a payer who has noticed payment fraud is able to claim the repayment of transferred money to a recipient, the balance of the account of the recipient is supposed to be the maximum sum of a repayment sum, and the deposit of the other account or the asset on hand of the recipient is not included, and when the recipient has already withdrawn the transferred money, all the sum of the transferred sum is not repaid to the payer. <P>SOLUTION: In an automatic transaction system, after transfer transaction is completed, a transferred sum is added to the balance of the account of a recipient. The transferred sum is put in such a state (locked state) that it is not usable for any purpose other than withdrawal to an account designated by a payer. In order to release the use restriction of the sum in the locked state among the balance, it is necessary to present the personal information of the recipient to the payer to approve the personal information of the recipient. The personal information of the recipient is registered in a personal information storage database connected through a network so that it is possible for the payer to approve the personal information of the recipient by referring to the database. <P>COPYRIGHT: (C)2011,JPO&INPIT

Description

  This invention is invention of the transfer process at the time of the transfer transaction of the automatic transaction apparatus (ATM) used in a bank etc.

  In recent years, so-called “transfer fraud” has become a problem in transfer transactions using automatic transaction apparatuses. Transfer fraud refers to the act of deceiving relatives and lawyers and transferring money saying that they are necessary for debt repayment or accident compensation. Various proposals have been made as measures to reduce the damage of wire fraud.

  For example, Patent Document 1 describes that when a transfer transaction of a certain amount or more is performed, a transfer transaction approval request is notified to a third party registered in advance by the transfer person. Deposits into the recipient's account are made after the transaction has been approved by the third party. Since the third party can not approve a transfer fraud and a suspicious transfer transaction, the damage of the transfer fraud can be suppressed. In addition, in June 2008, the “Law Concerning Payment of Damage Restoration Distributions with Funds Related to Criminal Deposit Accounts” was enforced as a system for refunding the amount of damage caused by wire fraud.

JP 2007-034976 A

  In the method described in Patent Literature 1, the payee withdraws the money transferred to the account from the automatic transaction apparatus as cash (hereinafter, “withdrawal” represents withdrawal from the automatic transaction apparatus as cash). It is supposed to be possible. According to the provisions of the “Law on Payment of Damage Recovery Distribution with Funds Related to Criminal Deposit Accounts, etc.”, the transfer person who has noticed the transfer fraud can request the recipient to return the transfer money. The refund amount is the maximum amount of the balance of the recipient's account, and does not reach the deposit or other assets in the recipient's other account. Therefore, if the payee has already withdrawn the transfer, the transfer may not be refunded in full.

  In the case of the present invention, the transfer amount is added to the balance of the recipient's account after the transfer transaction is completed. The transfer amount is in a state where it cannot be used other than withdrawing to an account designated by the transfer person (hereinafter referred to as “locked state”). The account specified by the transfer person is an account that is unlikely to be used for a transfer fraud. For example, there are accounts for paying public charges such as electric companies and water companies, and accounts specified by credit card companies. In the present invention, “withdrawal” means depositing into a designated account without withdrawal as cash.

  The amount of the balance that is locked (hereinafter referred to as “lock amount”) cannot be withdrawn or used for withdrawal to an account other than that specified by the transferor. Remain in. Therefore, the balance of the recipient's account that will be the maximum amount of the refund when the transferor makes a refund request based on the above “Law on Payment of Damage Recovery Distribution with Funds Related to Criminal Deposit Account, etc.” Will be refunded to the transferor because the locked transfer remains.

  When an automatic withdrawal transaction occurs in the payee's account, the withdrawal is first made from the amount that can be withdrawn and withdrawable (hereinafter referred to as “withdrawable amount”) in the balance. Next, of the lock amount, the account of the business partner is deducted from that designated as debitable. Therefore, if there is a large amount of money to be withdrawn, such as utility bills, it will also be withdrawn from the lock amount that has been designated as the account that can be withdrawn, and there will be a locked transfer in the recipient's account balance. Full amount may not remain. In this case, when the transfer person transfers the cash, the lock amount is not only prohibited from being used for the cash withdrawal transaction from the automatic transaction apparatus, but also prevented from being used for the withdrawal transaction, thereby preventing the lock amount from decreasing. Can do.

  In order to cancel the usage restriction on the lock amount (hereinafter referred to as “unlock”), the recipient's personal information must be presented to the transfer person for approval. The recipient's personal information is registered in a personal information holding database connected via the network, and the transferee approves the recipient's personal information by referring to the recipient's personal information stored in the database. Can do.

  According to the present invention, since the transfer money remains as restricted money in the recipient's account, even if the transfer person later notices a transfer fraud, the transfer money may be locked. For example, when making a refund request based on, for example, the above-mentioned “Law Concerning Payment of Damage Restoration Distribution with Funds Related to Criminal Deposit Accounts”, the transfer money is returned to the transfer person.

It is the block diagram and external view of an automatic transaction apparatus. 1 is a diagram illustrating a system configuration. It is the figure which showed the data stored in the account information database. It is the figure which showed the data stored in the transfer transaction log database. It is the figure which showed the data stored in the personal information holding database. It is the figure which showed the flow in the case of transferring a transfer money in transfer transaction. It is the figure which showed the flow in case a payee withdraws cash before transfer person's approval. It is the figure which showed the flow in case a payee withdraws cash before transfer person's approval. It is the figure which showed the flow in case there was withdrawal with the account of a payee before transfer person's approval. It is the figure which showed the flow in case a recipient registers personal information. It is the figure which showed the transfer person's approval flow. It is the figure which showed the transfer person's approval flow. It is the figure which showed the transaction selection screen. It is the figure which showed the payee account designation | designated screen. It is the figure which showed the payment guidance screen. It is the figure which showed the transfer money withdrawal permission screen. It is the figure which showed the withdrawal account selection screen. It is the figure which showed the user's account information before and behind the lock of transfer money. It is the figure which showed withdrawal amount designation | designated screen. It is the figure which showed the user's account information before and after withdrawal transaction. It is the figure which showed the user's account information before and after withdrawal transaction. It is the figure which showed the user's account information before and after withdrawal transaction. It is the figure which showed the presentation request screen of personal information. It is the figure which showed the registration screen of personal information. It is the figure which showed the personal information approval screen of the recipient. It is the figure which showed the account information of the recipient before and after the transfer person's approval. FIG. 3 is a diagram illustrating a flow in the first embodiment. It is the figure which showed the lock amount transfer destination designation screen. It is the figure which showed the lock amount movement screen. It is the figure which showed the movement of the lock amount in an account information database.

  The first embodiment of the present invention will be described in detail below.

  Fig.1 (a) shows the block diagram of an automatic transaction apparatus, FIG.1 (b) shows the external view of an automatic transaction apparatus. The automatic transaction apparatus 101 includes an operation unit 102, a bill deposit / withdrawal mechanism 103, a coin deposit / withdrawal mechanism 104, a card mechanism 105, a passbook / detail slip mechanism 106, a biometric authentication mechanism 107, an image reader 108, a currency A discrimination mechanism 109, a transmission / reception unit 110, and a control mechanism 111 are provided.

  The operation unit 102 is configured by a touch panel or the like, and displays transaction guidance or the like, or detects selection of a key by a user. The bill deposit / withdrawal mechanism 103 is used as a bill deposit / withdrawal port. The coin deposit / withdrawal mechanism 104 is used as a coin deposit / withdrawal port. The card mechanism 105 reads data recorded on the inserted cash card or IC card. The passbook / detail slip mechanism 106 reads a magnetic stripe attached to the passbook or prints it on the passbook or statement slip. The biometric authentication mechanism 107 reads the biometric information of the user. The image reader 108 reads image data of an identification card such as a driver's license. The currency discriminating mechanism 109 discriminates bills and coins deposited in the bill depositing / dispensing mechanism 103 and the coin depositing / dispensing mechanism 104. The transmission / reception unit 110 transmits data to the host computer 202 and receives data from the host computer 202. The control mechanism 111 counts the deposit amount and controls each part.

  FIG. 2 is a diagram illustrating a system configuration in the present embodiment. The plurality of automatic transaction apparatuses 101 are connected to a host computer 202, an account information database 203, a transfer transaction log database 204, and a personal information holding database 205 through a network 201.

  The host computer 202 reads data stored in each database, writes data to each database, receives data transmitted from the automatic transaction apparatus 101, and transmits data to the automatic transaction apparatus 101. Do.

  FIG. 3 is a diagram showing data stored in the account information database 203. The account number 301, the user's name 302, the user's mail address 303, the balance 304, the withdrawable amount 305, and the lock It consists of an amount 306 and a debitable account number 307. The balance 304 is the sum of the withdrawable amount 305 and the lock amount 306. The withdrawable amount 305 is the sum of the amount that the transferer has authorized the withdrawal of the recipient and the amount that the transferer has approved the recipient's personal information and released the lock.

  FIG. 4 is a diagram showing data stored in the transfer transaction log database 204. The payee account number 401, the payee name 402, the transferee account number 403, the transferee name 404, the transfer amount 405, and the like. , Transfer money withdrawal enable / disable 406 and withdrawal possible account number 407.

  FIG. 5 is a diagram showing data stored in the personal information holding database 205, and is composed of an account number 501 and user personal information 502. The personal information 502 includes a user's address / birth date, biometric authentication information read by the biometric authentication mechanism 107, an image of an identification card read by the image reader 108, and the like.

  FIG. 6 is a diagram illustrating a transaction flow in the present embodiment. In the transaction in this embodiment, A: when the transfer money is locked in the transfer transaction by the transfer person, B: when the payee withdraws cash before the transfer person approves the personal information of the payee, and C : When the transferee approves the personal information of the payee, there is a withdrawal in the payee's account, D: When the payee registers personal information, E: The transferee pays the personal information of the payee If you approve.

A: When the transfer money is locked in the transfer transaction by the transfer person FIG. 6A is a diagram showing a flow when the transfer money is locked in the transfer transaction by the transfer person. The control mechanism 111 causes the operation unit 102 to display the transaction selection screen illustrated in FIG. 7 (step 601). The transfer person selects the “transfer” key 701 from the transaction selection screen (step 602), inserts a cash card or IC card into the card mechanism 105, and inputs the password of the card (step 603). The account number of the transfer person is read from the magnetic stripe or IC chip of the card inserted into the card mechanism 105 (step 604).

  Next, the control mechanism 111 displays the payee account designation screen shown in FIG. 8 on the operation unit 102 (step 605). The transfer person inputs the account number of the payee in the payee account number input field 801 (step 606). Thereafter, the control mechanism 111 causes the operation unit 102 to display the deposit guide screen shown in FIG. 9 (step 607). The banknotes and coins deposited by the transfer person are discriminated by the banknote discrimination mechanism 109 and the coin discrimination mechanism 110, respectively (step 608).

  After discriminating the deposited banknotes and coins, the control mechanism 111 causes the operation unit 102 to display the transfer withdrawal permission screen shown in FIG. 10 (step 609). The transfer person who sees the screen shown in FIG. 10 can select whether or not to allow the payee to withdraw the transfer money. The transfer person selects the “permit” key 1001 to permit the payee to withdraw the transfer money, and selects the “not permit” key 1002 to prohibit it.

  When the transfer person selects the “not permitted” key 1002 to prohibit the payee from withdrawing the transfer money (that is, in the case of N in Step 610), the account to be debited is selected next. The control mechanism 111 displays the withdrawal account selection screen shown in FIG. 11A on the operation unit 102 (step 611). The transfer person who sees the screen shown in FIG. 11A can select an account for which the withdrawal is permitted. For example, the screen shown in FIG. 11B shows a case where a water station of a local public entity can be designated as the designated account.

  The account number of the transfer person, the account number of the payee, the transfer amount, the status of whether or not transfer can be withdrawn, and the debitable account number obtained through the above steps are sent via the transmission / reception unit 110 to the host computer. 202 (steps 612 and 613). The host computer 202 receives the data transmitted from the automatic transaction apparatus 101 and updates the data stored in the account information database 203 and the data stored in the transfer transaction log database 204.

  FIG. 12 is a diagram showing the update of data stored in the account information database 203. The host computer 202 updates the balance 304, the withdrawable amount 305, the lock amount 306, and the withdrawable account number 307 as follows.

  (1) When the recipient permits the withdrawal of the transfer money: As an example, the case of A shown in FIG. The amount of 30,000 yen of the transfer amount is added to the balance 304 and the withdrawable amount 305.

  (2) When the recipient is prohibited from withdrawing the transfer money: As an example, the cases of B to D shown in FIG. The transfer amount of 30,000 yen is added to the balance 304 and the lock amount 306. Further, an account that can use the lock amount 306 as a withdrawal transaction is recorded in the withdrawal possible account number 307.

B: When the payer withdraws cash before the transferor approves the personal information of the payee Fig. 6 (b) and Fig. 6 (c) show that before the transferee approves the personal information of the payee, It is the figure which showed the flow in case a recipient withdraws cash. The control mechanism 111 causes the operation unit 102 to display the transaction selection screen illustrated in FIG. 7 (step 621). The recipient selects the “withdrawal” key 702 from the transaction selection screen (step 622), inserts a cash card or IC card into the card mechanism 105, and inputs the password of the card (step 623). The user's account number is read from the magnetic stripe or IC chip of the card inserted into the card mechanism 105 (step 623).

  Next, the control mechanism 111 causes the operation unit 102 to display the withdrawal amount designation screen shown in FIG. 13 (step 625). The recipient inputs the withdrawal amount into the withdrawal amount input field 1301 (step 626). Thereafter, the control mechanism 111 transmits the account number of the recipient and the withdrawal amount via the transmission / reception unit 110 (step 627).

  The host computer 202 that has received the payee's account number and withdrawal amount (step 631) refers to the balance 304 and withdrawal amount 305 stored in the account information database 203 (step 632).

  If the withdrawal amount input by the recipient is less than or equal to the withdrawalable amount 305 (Y in step 633), the withdrawal amount is subtracted from the balance 304 and the withdrawalable amount 305 (step 634). Thereafter, the host computer 202 transmits to the automatic transaction apparatus 101 that the withdrawal transaction has been permitted (step 635). On the other hand, if the withdrawal amount entered by the recipient is larger than the withdrawal amount 305, the transaction is canceled because cash cannot be withdrawn from the lock amount 306. Thereafter, the host computer 202 transmits to the automatic transaction apparatus 101 that the withdrawal transaction has been canceled (step 636).

  The control device 114 receives the result of the withdrawal transaction via the transmission / reception unit 110 (step 628). If the transaction is permitted (Y in step 629), cash for the withdrawal amount is received and the transaction ends (step 630).

C: When the transferee has withdrawn from the recipient's account before approving the recipient's personal information Figure 6 (d) shows the recipient's personal information before the transferee approves the recipient's personal information. It is the figure which showed the flow when there is withdrawal with an account. If a withdrawal transaction has occurred (step 641), the host computer 202 retrieves the recipient's account number from the account number 301 stored in the account information database 203 (step 642). Next, the withdrawal amount is compared with the payable amount 305 of the recipient (step 643).

  (1) When the withdrawal amount is less than or equal to the withdrawable amount 305: The withdrawal amount is subtracted from the balance 304 and the withdrawable amount 305 (step 644). In the example shown in FIG. 14A, the balance 304 of the account with the account number “00000000” is 70,000 yen, and the withdrawable amount 305 is 20,000 yen. When a withdrawal transaction with a withdrawal amount of 10,000 yen occurs, the withdrawalable amount 305 is larger than the withdrawal amount, and therefore 10,000 yen is deducted from the balance 304 and the withdrawalable amount 305, respectively. Therefore, the balance 304 after the withdrawal transaction is 60,000 yen, and the withdrawable amount 305 is 10,000 yen.

  (2) When the withdrawal amount is greater than or equal to the available amount 305: When the withdrawal amount is greater than or equal to the available amount 305, the control mechanism 111 calculates the total amount of the available amount 305 and the lock amount 306 (step 645). ). However, the lock amount 306 is limited to that with which the withdrawal destination is designated by the withdrawable account number 307.

  Next, the control mechanism 111 compares the withdrawal amount with the total amount (step 646). If the withdrawal amount is less than or equal to the total amount, the withdrawal amount is deducted from the balance 304, the available amount 303 is subtracted to 0 yen, and the difference between the withdrawal amount and the available amount from the lock amount 306 Is subtracted (step 647). In the example shown in FIG. 14B, the balance 304 of the account with the account number “00000000” is 70,000 yen, and the withdrawable amount 305 is 20,000 yen. When a transaction with the account number of the customer is “11111111” and the withdrawal amount is 30,000 yen, the withdrawable amount 305 is smaller than the withdrawal amount. Therefore, the total amount (50,000 yen) of the withdrawable amount 305 (20,000 yen) and the lock amount 306 with “11111111” designated as the withdrawalable account number 307 (30,000 yen) is calculated. . Since the deduction amount is less than the total amount, the balance 304 is deducted by 30,000 yen to 40,000 yen, the available amount 303 is deducted by 20,000 yen to 0 yen, and the debitable account of the lock amount 306 Ten thousand yen is subtracted from the number 307 designated "11111111" to 20,000 yen.

  In addition, when there are a plurality of lock amount 306 whose account number of the business partner is specified in the withdrawal possible account number 307, the order in which the difference between the withdrawal amount and the available amount is deducted is determined in advance. It is also possible. In the example shown in FIG. 14C, the balance 304 of the account with the account number “00000000” is 70,000 yen, and the withdrawable amount 305 is 20,000 yen. If the account number of the business partner is “01234567” and a withdrawal transaction with a withdrawal amount of 30,000 yen occurs, the balance 304 is deducted by 30,000 yen to 40,000 yen, and the available amount 303 is 20,000 yen. It is deducted to 0 yen, and 10,000 yen is deducted from the lock amount 306 in which “01234567” is designated as the debitable account number 307. In the example shown in FIG. 14C, there are two lock amounts 306 in which “01234567” is designated as the withdrawalable account number 307. At this time, the recipient is asked whether to subtract 10,000 yen from the person whose lock amount 306 is 20,000 yen as in A or 10,000 yen from the person whose lock amount 306 is 30,000 yen as in B Can be selected.

  On the other hand, as a result of the comparison between the withdrawal amount by the control mechanism 111 and the total amount, if the withdrawal amount is larger than the total amount (N in step 646), the withdrawal transaction is not performed. At this time, since the user does not use the automatic transaction apparatus 101, the host computer 202 notifies the mail address 303 stored in the account information database 203 that the withdrawal transaction could not be made (step 648).

D: When Recipient Registers Personal Information FIG. 6E is a diagram showing a flow when the recipient registers personal information. The control mechanism 111 causes the operation unit 102 to display the transaction selection screen illustrated in FIG. 7 (step 651). The payee selects the “personal information registration” key 703 from the transaction selection screen (step 652), inserts a cash card or IC card into the card mechanism 105, and inputs the password of the card (step 653). The payee's account number is read from the magnetic stripe or IC chip of the card inserted into the card mechanism 105 (step 654). The account number of the recipient may be specified by reading a magnetic stripe attached to the passbook inserted in the passbook / detail slip mechanism 106.

  The account number of the recipient is transmitted to the host computer 202 via the transmission / reception unit 110 (step 655). Receiving the payee's account number (step 671), the host computer 202 searches the history stored in the transfer transaction log database 204 for the payee's account number (step 672). With respect to the history including the account number of the payee, the account number 403 of the transfer person, the name 404 of the transfer person, and the transfer amount 405 are transmitted to the automatic transaction apparatus 101 (step 673).

  After receiving the account number 403 of the transfer person, the name 404 of the transfer person, and the transfer amount 405 (step 656), the control mechanism 111 displays the personal information presentation request screen shown in FIG. (Step 657). If the recipient agrees to present personal information, he selects the “present” key 1501. On the other hand, when the presentation of personal information is not presented, the “do not present” key 1502 is selected.

  When the recipient selects the “present” key 1501 on the personal information presentation request screen (Y in step 658), the control mechanism 111 displays the personal information registration screen illustrated in FIG. 16 on the operation unit 102. (Step 659). The screen shown in FIG. 16 shows a screen using an image of an identification card read by the image reader 108 as an example of personal information. After the personal information is registered by the recipient (step 660), the recipient's account number and the recipient's personal information are transmitted to the host computer 202 via the transceiver 110 (step 661). The host computer 202 that has received the recipient's account number and the recipient's personal information (step 674) stores the recipient's account number and personal information in the personal information holding database 205 (step 675).

E: When the transfer person approves the personal information of the recipient FIG. 6 (f) and FIG. 6 (g) are diagrams showing the transfer person's approval flow. After the payee's account number and the payee's personal information are stored in the personal information holding database 205 (step 675), the host computer 202 refers to the history stored in the transfer transaction log database 204 and receives the payee. The transfer person who made the transfer transaction is identified (step 676). Next, the host computer 202 refers to the account information database 203 (step 677) and notifies that the personal information of the recipient has been registered in the mail address 303 of the transfer person (step 678). Upon receiving the notification that the recipient's personal information has been registered, the transfer person confirms the recipient's personal information and approves the transaction.

  The control mechanism 111 causes the operation unit 102 to display the transaction selection screen shown in FIG. 7 (step 681). The transfer person selects the “recipient approval” key 704 from the transaction selection screen (step 682), inserts a cash card or IC card into the card mechanism 105, and inputs the password of the card (step 683). The account number of the transfer person is read from the magnetic stripe or IC chip of the card inserted into the card mechanism 105 (step 684). The account number of the transfer person is transmitted to the host computer 202 via the transmission / reception unit 110 (step 685).

  The host computer 202 that has received the transfer account number (step 691) searches the transfer transaction log database 204 for a history including the transfer account number transmitted from the automatic transaction apparatus 101 (step 692). Next, the account number of the recipient is specified from the history including the account number of the transfer person, and the personal information of the recipient is searched from the personal information holding database 205 (step 693). The recipient's account number and personal information obtained are transmitted to the automatic transaction apparatus 101 (step 694).

  The control mechanism 111 that has received the recipient's account number and personal information (step 686) causes the operation unit 102 to display the approval screen shown in FIG. 17 (step 687). On the approval screen, a display area 1701 of the recipient's personal information, an “approve” key 1702 and an “not approve” key 1703 are displayed. When the transfer person approves the transfer destination by looking at the personal information of the recipient displayed in the display area 1701, an “approve” key 1702 is selected. The approval result of the transfer person is transmitted to the host computer 202 via the transmission / reception unit 110 (step 688).

  When the biometric information read through the biometric authentication mechanism 107 is used as the recipient's personal information, the transfer person cannot determine whether the biometric information displayed in the display area 1701 belongs to the recipient. . In this case, the recipient's personal information is registered in the personal information holding database 205 when a new account is opened. When the recipient presents the biometric information, the recipient's name is obtained by referring to the account information database 203 and the personal information holding database 205 and displayed in the personal information display area 1701 so that the transfer person can be authenticated. And

  The host computer 202 receives the transfer person's approval result (step 695), and if the transfer person's approval is received (Y in step 696), the payable amount 305 of the payee stored in the account information database 203. The amount of money to be transferred is added, and the data of the lock amount 306 and the withdrawalable account number 307 is deleted (step 697). Further, the transferer's approval result is transmitted to the recipient's mail address (step 698).

  In the example shown in FIG. 18, the balance 304 of the payee's account is 70,000 yen, and the withdrawable amount 305 is 20,000 yen. When the transfer person approves the lock amount 306 for 20,000 yen (account number “01234567” is specified for the debitable account number 307), 20,000 yen is deducted from the available amount 303. Ten thousand yen, and 20,000 yen is subtracted from the lock amount 306 to 30,000 yen.

  As described above, in the automatic transaction apparatus and the system using the automatic transaction apparatus described in the present embodiment, the transfer money transferred by the transfer person cannot be withdrawn to other than the designated account (locked state) ). The locked amount (lock amount) cannot be used for withdrawal or withdrawal to an account other than that specified by the transferor, and remains in the recipient's balance. As a general rule, when making a refund request, the transfer money will be refunded.

  Hereinafter, the second embodiment of the present invention will be described in detail.

  As described above, the transferor can restrict the use of the recipient's transfer money. However, when the recipient has a plurality of accounts, a cash withdrawal account and a transfer account may be provided for account operation. In this case, if the lock amount can be transferred between two accounts, even if a part of the balance of the withdrawal-dedicated account is locked, the lock amount of the withdrawal-dedicated account is transferred to the transfer-dedicated account. Thus, the recipient can operate the account efficiently. Even if the lock amount is moved, the lock is not released without the approval of the transfer person. Accordingly, the effect of the first embodiment in which the transfer is refunded in principle when the transfer person becomes aware of the transfer fraud and requests the refund of the transfer money is not impaired.

  FIG. 19 is a diagram illustrating a transaction flow in the present embodiment.

  The control mechanism 111 causes the operation unit 102 to display the transaction selection screen illustrated in FIG. 7 (step 1901). The recipient selects the “lock amount transfer” key 705 from the transaction selection screen (step 1902), and then inserts a cash card or IC card into the card mechanism 105, and inputs the password of the card (step 1903). The payee's account number is read from the magnetic stripe or IC chip of the card inserted into the card mechanism 105 (step 1904).

  Next, the control mechanism 111 causes the operation unit 102 to display the lock amount transfer destination designation screen shown in FIG. 20 (step 1905). The recipient inputs the account number to which the lock amount is transferred into the lock amount transfer destination account number input field 2001 (step 1906). The account number of the recipient and the account number to which the lock amount is transferred are transmitted to the host computer 202 via the transmission / reception unit 110 (step 1907).

  Receiving the account number of the payee and the account number to which the lock amount is transferred (step 1921), the host computer 202 stores the account number of the payee and the account number to which the lock amount is transferred in the account information database 203. (Step 1922). The name 302, balance 304, withdrawal amount 305, lock amount 306, and withdrawal account number 307 stored in association with the two account numbers are transmitted to the automatic transaction apparatus 101 (step 1923). .

  After receiving information about the recipient's account and information about the account to which the lock amount is transferred from the host computer 201 via the transmission / reception unit 113 (step 1908), the control mechanism 111 reads the two It is determined whether or not the account users are the same (step 1909). If the two account holders are different (in the case of N in step 1909), the transaction is terminated because the lock amount cannot be transferred.

If the holders of the two accounts are the same (in the case of Y in step 1909),
The control mechanism 111 displays the lock amount transfer screen shown in FIG. 21 on the operation unit 102 (step 1913). On the lock amount transfer screen, a lock amount 2101 and an arrow key 2102 are displayed. When the arrow key 2102 is pressed, the lock amount 2101 moves. After the transfer of the lock amount by the payee is completed, the control mechanism 111 transmits update data of the two account information databases via the transmission / reception unit 110 (step 1914). The host computer 202 that has received the update data updates the data in the account information database 202.

  In the example shown in FIG. 22, the balance 304 of the account with the transfer source account number “00000000” is 70,000 yen, and the withdrawal possible amount 305 is 20,000 yen. Further, the balance 304 of the account number “99999999” of the transfer destination is 80,000 yen, and the possible withdrawal amount 305 is 65,000 yen.

  When the lock amount 306 (for 20,000 yen and 30,000 yen) of the account number “00000000” is moved to the account number “99999999”, the total amount of the lock amount 306 is included in the withdrawable amount 305 of the account number “00000000”. 50,000 yen is added to 70,000 yen, and the lock amount 306 becomes 0 yen. On the other hand, 50,000 yen, which is the total amount of the lock amount 306 transferred from the account number “00000000”, is subtracted from the possible withdrawal amount 305 of the account number “99999999” to 15,000 yen. In addition, the lock amount 306 and the debitable account number 307 of the account number “99999999” are added to the lock amount 306 and the debitable account number 307 of the account number “00000000”.

  In the flow shown in FIG. 19, the transfer source account holder and the transfer destination account holder are the same, but the transfer account holder is in a cooperative relationship with the recipient. It may be a third party. In this case, the transfer person can ask the third party to submit personal information in order to confirm that the third party and the recipient have a cooperative relationship.

  As described above, in this embodiment, efficient account management is possible by transferring the lock amount to another account of the recipient. Even if the lock amount is moved, the lock is not released unless the transfer person approves it. Therefore, the transfer money is refunded when the transfer person notices the transfer fraud and makes a refund request later.

  DESCRIPTION OF SYMBOLS 101 ... Automatic transaction apparatus, 102 ... Operation part, 103 ... Banknote depositing / withdrawing mechanism, 104 ... Coin depositing / withdrawing mechanism, 105 ... Card mechanism, 106 ... Passbook / detail slip mechanism, 107 ... Biometric authentication mechanism, 108 ... Image reader, 109 DESCRIPTION OF SYMBOLS 110 ... Transmission / reception unit 111 ... Control mechanism 201 ... Network 202 ... Host computer 203 ... Account information database 204 ... Transfer transaction log database 205 ... Personal information holding database 301 ... Account number 302 ... name, 303 ... email address, 304 ... balance, 305 ... withdrawal amount, 306 ... lock amount, 307 ... withdrawal account number, 401 ... recipient account number, 402 ... recipient name, 403 ... bank account number, 404: Transfer name, 405: Transfer amount, 406: Transfer withdrawal, 407: Withdrawal Account number, 501 ... Account number, 502 ... Personal information, 701 ... "Transfer" key, 702 ... "Withdrawal" key, 703 ... "Personal information registration" key, 704 ... "Recipient approval" key, 705 ... " Lock amount transfer "key, 801 ... Recipient account number input field, 1001 ..." Accept "key, 1002 ..." Do not accept "key, 1101 ..." All account withdrawal possible "key, 1102 ..." All account withdrawal impossible "key 1103: Designated account key, 1301 ... Withdrawal amount input field, 1501 ... "Present" key, 1502 ... "Not present" key, 1701 ... Display area of personal information, 1702 ... "Approve" key, 1703 ... "Approve" "No" key, 2001 ... Input field for destination account number of lock amount, 2101 ... Lock amount, 2102 ... Arrow key

Claims (11)

An automatic transaction system comprising a host device and a plurality of automatic transaction devices connected via the host device,
When performing a transfer transaction in which a predetermined amount is transferred from the automatic transaction apparatus to a payee's account designated by the transfer person, an automatic withdrawal transaction from the payee account to a predetermined customer is permitted. And an automatic transaction system that allows a cash withdrawal transaction from the automatic transaction apparatus by the recipient up to the recipient account balance before the transfer. The automatic transaction system according to claim 1,
An automatic transaction system that allows a cash withdrawal transaction from the payee account after the transfer person approves. The automatic transaction system according to claim 2,
The host device comprises an account information database for storing information of the payee account, and a host computer connected to the account information database,
The account information database includes an account number of the payee, an amount that can be withdrawn by a cash withdrawal transaction by the payee, and a lock amount by which the cash withdrawal transaction by the payee is prohibited. Automatic trading system to do. In the automatic transaction system according to claim 3,
The automatic transaction apparatus includes, on the host computer, an account number of the payee, a transfer amount by the transfer person, and a withdrawal permission data indicating whether the payee can use the transfer amount for a cash withdrawal transaction. Send
The host computer adds the transfer amount to the withdrawal-possible amount when the withdrawal-possibility data can be withdrawn, and adds the transfer amount to the lock amount when the withdrawal-possibility data cannot be withdrawn. And transfer transaction system. In the automatic transaction system according to claim 4,
The host device further comprises a personal information holding database for storing personal information of the recipient,
The host computer
Sending the personal information of the recipient acquired from the personal information holding database to the automatic transaction apparatus;
Received from the automatic transaction apparatus an approval result of the recipient's personal information by the transfer person,
When the personal information of the payee is approved, the automatic transaction system is characterized in that the transfer amount by the transfer person is transferred from the lock amount to the withdrawable amount. In the transfer transaction system according to any one of claims 3 to 5,
The automatic transaction apparatus transmits the payee's account number and the withdrawal amount withdrawn in the cash withdrawal transaction to the host computer.
The host computer compares the withdrawal amount with the withdrawal amount, and if the withdrawal amount is equal to or greater than the withdrawal amount, sends the cash withdrawal transaction permission to the automatic transaction,
The automatic transaction apparatus withdraws the withdrawal amount based on permission of the cash withdrawal transaction. The transfer transaction system according to any one of claims 3 to 6,
In the account information database, a part or all of the lock amount is stored in association with one or more transaction accounts designated by the transfer person as a debitable account number,
In the receiver's account, when a withdrawal transaction request to the withdrawal account is encountered, the automatic processing is executed only for withdrawal transactions that are equal to or less than the total amount of the corresponding lock amount and the withdrawal amount. Trading system. A card mechanism for reading customer information recorded on a card; an operation display unit for displaying a screen for customer operation; receiving a customer operation; a money deposit / withdrawal mechanism for depositing / withdrawing money; An automatic transaction apparatus comprising a control mechanism for counting money deposited by a gold mechanism,
The transferer's account number read from the card inserted by the transferor in the transfer transaction, the payee's account number input by the transferor, the transfer amount input by the transferor, and the receipt An automatic transaction apparatus, characterized in that, with respect to a cash withdrawal transaction from the automatic transaction apparatus by a person, withdrawal availability data indicating whether or not the transfer amount can be used is transmitted to a host apparatus. An automatic transaction apparatus recorded in claim 8, comprising:
Receiving the recipient's personal information from the host device;
An automatic transaction apparatus, wherein personal information approval data as to whether or not to approve the personal information of the recipient is transmitted to the host apparatus. A card mechanism for reading customer information recorded on a card; an operation display unit for displaying a screen for customer operation; receiving a customer operation; a money deposit / withdrawal mechanism for depositing / withdrawing money; An automatic transaction apparatus comprising a control mechanism for counting money deposited by a gold mechanism,
Send the account number read from the card inserted by the customer and the withdrawal amount entered by the customer to the host device,
Of the customer's account balance, the amount specified by a predetermined third party and recorded in the higher-level device, which cannot be used for cash withdrawal transactions, is the amount obtained by removing the amount from the customer's account balance. If so,
An automatic transaction apparatus, wherein the withdrawal amount is withdrawn from the money deposit / withdrawal mechanism. An automatic transaction apparatus according to claim 10, wherein
In addition, a personal information registration mechanism for registering customer personal information,
The customer's account number read by the card mechanism;
The customer's personal information read by the personal information registration mechanism;
Is transmitted to the host device.

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