JP2011203805A - Transaction information input support method, transaction information input support device, and transaction information input support program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To support an appropriate input by determining which of a transfer destination name and a transfer destination account number is erroneously inputted when there is an erroneous input in a transfer transaction.SOLUTION: When a transaction information input unit 2 receives an input of a transfer destination account number and a transfer destination name required for a transfer transaction, a name reference unit 3 refers to a host computer 7 for a name corresponding to the transfer destination account number, and a name information comparison unit 4 compares the transfer destination name inputted by a customer with the name received from the host computer 7. When the transfer destination name inputted by a customer is not identical to the name received from the host computer, an erroneous input determination unit 5 refers to an erroneous input table 6 and determines whether or not a non-identical character therein results from a simple operation mistake. If no, it prompts the customer to re-enter the transfer destination account number, and if yes, it prompts the customer to correct the transfer destination name.

Description

  The present invention is a transaction information input that can prevent an erroneous operation in a transfer transaction in an automated teller machine (ATM) installed in a financial institution or a convenience store. The present invention relates to a support method, a transaction information input support device, and a transaction information input support program.

  When performing a transfer transaction by ATM, it is necessary to input transaction information such as a transfer destination financial institution name, a branch name, a transfer destination account number, a transfer destination name, and a transfer amount. Depending on the ATM, the name of the payee is inquired to the host computer based on the entered payee account number, and the name of the payee is displayed on the transaction details confirmation screen. Transaction information is sent to the host computer. The transfer process is not executed in real time, but is executed after the host computer side examines the transaction information input by ATM and confirms that the transaction information is correct. At this time, if even one character is different between the name registered in the host computer and the name of the transfer recipient entered at the ATM, the transfer process will not be executed and a letter will be sent to the transfer person indicating that the transfer was not successful. Will be. Therefore, the transfer person knows that the transfer has not been executed for the first time at the time, although the transfer has been successfully established. In this case, it is necessary to perform the transfer operation again. Further, if the transfer process is not normally performed, cash is pooled on the financial institution side, and it is necessary to perform a reassembly process.

  Proposals have been made to prevent such an erroneous input due to an operation mistake of the transfer person (see, for example, Patent Document 1). According to this patent document 1, when the input of the transfer destination is completed, the transfer transaction is executed after the host computer notifies and confirms the transfer destination.

JP 2007-87312 A

  However, the method of confirming with the transfer recipient is more reliable, but it takes time until the confirmation is obtained by contacting the transfer recipient. There was a problem that it could not be terminated.

  The present invention has been made in view of such points, and in the event of an erroneous input, a transaction information input support method, a transaction information input support device, and transaction information that prompts the customer to input correctly at that stage The purpose is to provide an input support program.

  In the present invention, in order to solve the above-mentioned problem, in the transaction information input support method for preventing erroneous input in the transfer transaction, the transaction information of the transfer destination account number and the transfer destination person name input by the customer is acquired, and the host device Request a name inquiry to obtain a name corresponding to the transfer account number, compare the acquired transfer recipient name with the name acquired from the host device, and the transfer recipient name does not match the name In this case, it is determined whether or not the erroneous input of the mismatched character is due to a simple operation error due to a mistake in pressing the character input key, and if it is determined that the erroneous input is not due to a simple operation error, the transfer account There is provided a transaction information input support method characterized by prompting re-input of a number and prompting correction of the payee name when it is determined that the result is a simple operation mistake.

  Further, the present invention provides a transaction information input support device for preventing erroneous input in a transfer transaction, guides the input of a transfer account number and a transfer recipient name, and transacts the input transfer account number and transfer recipient name. A transaction information input unit for acquiring information, and a name inquiry unit for acquiring a name corresponding to the transfer account number by requesting a name inquiry to a host device based on the input transfer account number; Correspondence between the name information comparison unit that checks whether the input name of the transfer recipient and the acquired name match, and the character set of the character input key and the character set of the character input key adjacent to the character input key Whether the mismatch input character that is a table and the mismatch character of the transfer recipient name and the name are identified and the mismatch character specified by referring to the mistake input table is in a correspondence relationship There is provided a transaction information input support device, comprising: an erroneous input determination unit that determines whether or not to re-enter the transfer account number or correct the transfer recipient name according to the determination .

  Furthermore, the present invention provides a transaction information input support program for causing a computer to execute a process for preventing erroneous input in a transfer transaction. The computer acquires transaction information of a transfer account number and a transfer recipient name input by a customer. , Request a name inquiry to the host device to obtain a name corresponding to the transfer account number, compare the acquired transfer recipient name with the name acquired from the host device, the transfer recipient name and the name If it is determined that the incorrect input of the mismatched character is due to a simple operation error due to a mistake in pressing the character input key, and it is determined that the incorrect input is not due to a simple operation error, Prompt the re-entry of the bank account number to be transferred, and if it is determined that it is due to a simple operation error, prompt the correction of the bank account name to be executed Transaction information input support program to the butterfly is provided.

  According to such transaction information input support method, transaction information input support device, and transaction information input support program, if there is an erroneous input in the bank account number and bank name entered by the customer, it is a character input key. It is determined whether or not it is due to a simple operation error due to a mistake in pushing the key, and in response to the determination, correction of the erroneous input character of the transfer recipient name or re-input of the transfer account number is prompted. As a result, if it is determined that the incorrect input is due to a simple operation error, the erroneous input character is corrected. If it is determined that the incorrect input is not due to a simple operation error, the transfer account number By re-inputting, in the process to be executed next, the process can be taken over without any erroneous input.

  According to the transaction information input support method, the transaction information input support device, and the transaction information input support program configured as described above, the transfer account number and the transfer recipient name entered by the customer are not the same as the data registered in the host device. Therefore, it is possible to always send correct data to the host device, thereby reducing the number of recombination processes.

  Further, since it is possible to check on the ATM whether there is a simple erroneous input or whether there is a possibility of transfer to a completely different “transfer recipient name”, the convenience can be greatly improved.

It is a functional block diagram which shows a transaction information input assistance apparatus. It is a flowchart which shows the flow of a process of a transaction information input assistance apparatus. It is a figure which shows the example of the initial screen of ATM. It is a figure which shows the example of the transfer account number input screen of ATM. It is a figure which shows the example of the transfer recipient name input screen of ATM. It is a figure which shows the example of an erroneous input table. It is a figure which shows the example of the transfer payee name reconfirmation screen of ATM. It is a figure which shows the example of the transfer account number reconfirmation screen of ATM. It is a figure which shows one structural example of the hardware of the transaction information input assistance apparatus used for this Embodiment.

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings, taking as an example the case of application to ATM.
FIG. 1 is a functional block diagram showing a transaction information input support device.

  The transaction information input support device 1 is accommodated in an ATM, and includes a transaction information input unit 2, a name inquiry unit 3, a name information comparison unit 4, an erroneous input determination unit 5, and an erroneous input table 6. It is connected to the host computer 7 of the host device in the business center.

  The transaction information input unit 2 has a function of guiding the input of a transfer destination account number and a transfer destination person name in the operation of the transfer transaction by ATM, and acquiring transaction information of the transfer destination account number and the transfer destination person name.

  The name inquiring unit 3 has a function of inquiring the name of the host computer 7 based on the input bank account number. In the name inquiry, the input bank account number is set in the name inquiry message, and the host computer 7 is requested to acquire the name included in the response message returned from the host computer 7.

  The name information comparison unit 4 has a function of checking whether or not the input transfer recipient name and the name included in the response message match, and the erroneous input determination unit 5 results in the name match check, If there is a discrepancy, it has a function to determine whether the bank account number was entered incorrectly or whether the bank account name was entered incorrectly, and prompt the user to re-enter the bank account number or correct the bank account name accordingly. ing. When it is determined that the erroneous input is the transfer recipient name, the erroneous input determination unit 5 displays a correspondence table between a character of a certain character input key and a character set of the character input key adjacent to the character input key. Refer to 6 and specify the characters that you think are correct.

  According to the transaction information input support device 1 configured as described above, when the transaction information input unit 2 acquires the transfer destination account number and the transfer destination person name input by the customer, the name reference unit 3 receives the transfer destination account input by the customer. An inquiry is made to the host computer 7 of the business center by a name inquiry message based on the number. When the name inquiry unit 3 obtains the correct transfer person name in the response message of the name inquiry, the name information comparison unit 4 performs a match check between the transfer person name input by the customer and the transfer person name received in the inquiry message. And check whether there is a mismatched character. Here, if the payee name entered by the customer matches the payee name received in the inquiry message, for example, if all the information required for the transfer transaction has been entered at this stage, Proceed to the confirmation process.

  If there is an unmatched character in the match check, the incorrect input determination unit 5 determines whether the mismatched character is a character erroneously input due to a simple operation error using the incorrect input table 6, and an error due to a simple operation error. If it is determined that there is a possibility that the character is input, the character is clearly indicated, and the erroneously input character of the payee name is corrected. If it is determined that there is a high possibility that it is not due to a simple operation mistake, there is a possibility of erroneous input of the bank account number, so that the bank account number is confirmed and re-entered.

  2 is a flowchart showing the processing flow of the transaction information input support device, FIG. 3 is a diagram showing an example of an initial screen of ATM, FIG. 4 is a diagram showing an example of an ATM account number input screen, and FIG. FIG. 6 is a diagram showing an example of an erroneous input table, FIG. 7 is a diagram showing an example of an ATM transfer recipient name reconfirmation screen, and FIG. 8 is an ATM transfer account number. It is a figure which shows the example of a reconfirmation screen.

  The ATM display / operation unit displays, for example, an initial screen 10 shown in FIG. 3, and an independent button is displayed for each transaction on the initial screen 10. In the illustrated example, the initial screen 10 includes a “draw” button 11, a “deposit” button 12, a “passbook entry” button 13, a “balance inquiry” button 14, an “other bank transfer” button 15, and a “fixed amount / periodic”. A button 16, an “MPN (Multi-Payment Network)” button 17 and an “others” button 18 are displayed.

  The transfer transaction by the transaction information input support device 1 is started by pressing the “other bank transfer” button 15 from the initial screen 10 shown in FIG. In this transfer transaction, it is necessary to input a lot of transaction information such as a PIN number input and a transfer destination financial institution name. Here, transaction information related to the processing of the transaction information input support device 1, that is, a transfer destination account Only the number and transfer recipient name will be described, and other transaction information input operations will be omitted.

  First, the transaction information input part 2 receives the input of the transfer account number (step S1). The transfer account number is sequentially displayed in the account number display field 23 by pressing the numeric key 21 or the “correction” key 22 displayed on the transfer account number input screen 20 shown in FIG. Finally, the input data is confirmed by pressing the “confirm” key 24.

  Next, the transaction information input part 2 receives the input of a transfer recipient name (step S2). The payee name is displayed in order in the payee name display field 32 by pressing a character input key 31 displayed on the payee name input screen 30 shown in FIG. The input data is confirmed by pressing the key 33. The input character can be corrected by using the “correction” key 34. In the example shown in FIG. 5, a case where a character “Iway” is input is shown.

  Next, the name inquiry unit 3 makes a name inquiry to the host computer 7 using the input bank account number, and from the host computer 7, the name corresponding to the registered bank account number is registered. Is received (step S3).

  Next, the name information comparison unit 4 checks whether the inputted transfer recipient name matches the received name (step S4), and determines whether the names match (step S5). If it is determined that the names match, the process proceeds to the next transaction process. On the other hand, if it is determined that the names do not match, there is an error in at least one of the entered bank account number and bank account name. Determine if there is an error in the name.

  First, the erroneous input determination unit 5 compares the number of characters of the input name of the transfer recipient with the number of characters of the received name, and determines whether the difference is 1 or less (step S6). Here, if the difference in the number of characters is 1 or less, a mismatched character is specified (step S7), and it is checked whether or not the character is a simple pressing mistake of the character input key 31 (step S8). In this embodiment, the case where the difference in the number of characters is 1 or less is exemplified, but the present invention is not limited to this. Whether or not the character input key 31 is simply pressed is determined with reference to the error input table 6. As shown in FIG. 6, the erroneous input table 6 includes fields of characters and erroneous input character candidates. In the character field, characters corresponding to the respective character input keys 31 are registered, and erroneous input character candidates. In this field, a character set of the character input key 31 arranged adjacent to the character input key 31 of each character is registered. For example, according to the payee name input screen 30 of FIG. 5, the character input keys 31 for the characters “A”, “K” and “K” are adjacent to the character input key 31 for the character “A”. Therefore, the character set of the characters “I”, “K”, and “K” is registered in the erroneous input character candidate corresponding to the character “A” in the erroneous input table 6.

  By using the erroneous input table 6, it can be determined whether the erroneously input character is a simple mistake. For example, when the received name is “Aiweo”, the character string of the input payee name is “Aiwei”, so that the last characters “o” and “d” are specified as mismatch characters. The erroneous input table 6 may include “D”, which is identified as a mismatched character in the input transfer recipient name, among the erroneously input character candidates corresponding to the received mismatched character “O” in the name. I understand. Thereby, it can be estimated that the adjacent character input key 31 is accidentally pressed while trying to press the character input key 31 of “o”, and it can be determined that the operation error is simple. Similarly, search for “e” identified as a mismatched character in the name of the bank transfer you entered, and check whether the corresponding mismatched character “o” is included in the corresponding incorrect input character candidate. But the result is the same.

  On the other hand, when characters on two character input keys 31 that are physically separated, for example, characters “a” and “o” are detected as mismatched characters in the key layout on the transfer recipient name input screen 30, Since it is difficult to determine that the character input key 31 has been pressed incorrectly, it cannot be determined as a simple operation error.

  Next, the erroneous input determination unit 5 determines whether or not the other of the mismatched characters is included in the erroneously input character candidates corresponding to one of the mismatched characters retrieved from the erroneous input table 6, that is, whether or not there is a correspondence relationship. Judgment is made (step S9), and if there is a corresponding relationship, the customer is allowed to reconfirm the transfer recipient name (step S10). In this case, the ATM screen is changed to the transfer recipient name reconfirmation screen 40 shown in FIG. 7, and the input transfer recipient name is displayed to prompt reconfirmation. At this time, unmatched characters in the input payee name are highlighted and converted into buttons. In the example of the transfer recipient name reconfirmation screen 40 shown in FIG. 7, the non-matching character “D” is highlighted by enlarging the character size, and the push button 41 is formed so as to surround the character. This push button 41 functions as a switch for transitioning the display screen to the payee name input screen 30.

  The transfer recipient name reconfirmation screen 40 also displays a message confirming the highlighted character, a message indicating that the push button 41 should be pressed if there is an error, and a message suggesting the correct transfer recipient name. ing. By highlighting only the different points on the transfer recipient name reconfirmation screen 40, it is possible to make the customer aware of what the erroneously entered character is.

  Next, in response to pressing of the push button 41 on the payee name reconfirmation screen 40, the erroneous input determination unit 5 changes the screen to the payee name input screen 30 shown in FIG. The process of correcting the name of the payee using the “correct” key 34 and the “confirm” key 33 is accepted (step S11). Thereafter, the process returns to step S4, and a name match check is performed with the corrected transfer recipient name.

  In step S6, if it is determined that there is a difference in the number of characters between the input name of the transfer recipient and the received name and there are two or more characters, it is difficult to consider an erroneous input due to a simple operation error. In step S9, an erroneous input is simple. If it is determined that there is no operation mistake, the erroneous input determination unit 5 determines that there is a high possibility of erroneous input of the input bank account number that is the basis of the received name, and the input bank account The customer is allowed to reconfirm the number (step S12). At this time, the screen transits to a transfer account number reconfirmation screen 50 shown in FIG. On the remittance account number reconfirmation screen 50, a message indicating that the input transfer account number may be different and the input transfer account number are displayed, and the displayed transfer account number is A “Next” button 51 for instructing when there is no difference and a “Cancel” button 52 for instructing when there is a difference are displayed.

  The erroneous input determination unit 5 receives an instruction for the reconfirmation result from the customer and determines whether or not the account number is correct (step S13). If there is no mistake in the account number, it is determined that the transfer recipient name has been entered incorrectly, and the process proceeds to the transfer recipient name reconfirmation process in step S10. If there is an error in the account number, the procedure returns from step S1 to the procedure from the initial screen. Become. Examples of incorrect input of the transfer recipient name in this case include a case where the character input key 31 of the same character is accidentally pressed twice, or a case where the user forgets to input one character such as a cloud point or a semi-cloud point. is there.

  As described above, compare the transfer recipient name entered by the customer with the name corresponding to the account number received in the inquiry message, and highlight only the differences so that the customer is aware of the input character error By making corrections, correct data can be transmitted to the business center. Thereby, troublesome recombination processing on the business center side is reduced. Also, by providing the transaction information input support device 1 with a check on whether there is a possibility of remittance to a completely different “transfer recipient name”, whether it is a simple error input, the convenience of both the customer and the business center is provided. It can be greatly improved.

FIG. 9 is a diagram showing a configuration example of hardware of the transaction information input support device used in the present embodiment.
The transaction information input support device 1 has a computer configuration, and the entire device is controlled by a CPU (Central Processing Unit) 61. A RAM (Random Access Memory) 62 and a plurality of peripheral devices are connected to the CPU 61 via a bus 67.

  The RAM 62 is used as a main storage device of the transaction information input support device 1. The RAM 62 temporarily stores at least part of an OS (Operating System) program and application programs to be executed by the CPU 61. The RAM 62 stores various data necessary for processing by the CPU 61.

  Peripheral devices connected to the bus 67 include a hard disk drive (HDD) 63, a graphic processing device 64, an input interface 65, and a communication interface 66.

  The HDD 63 magnetically writes and reads data to and from the built-in disk. The HDD 63 is used as a secondary storage device of the transaction information input support device 1. The HDD 63 stores an OS program, application programs, and various data. Note that a semiconductor storage device such as a flash memory can also be used as the secondary storage device.

  A monitor 68 is connected to the graphic processing device 64. The graphic processing device 64 displays an image on the screen of the monitor 68 in accordance with a command from the CPU 61. Examples of the monitor 68 include a display device using a CRT (Cathode Ray Tube) and a liquid crystal display device.

  A touch pad 69 that is a position input device installed on the display screen of the monitor 68 is connected to the input interface 65. The input interface 65 transmits a signal indicating the position on the display screen sent from the touch pad 69 to the CPU 61.

  The communication interface 66 is connected to the network 70. The communication interface 66 transmits / receives data to / from the business center host computer 7 or communication equipment via the network 70.

  With the hardware configuration as described above, the processing functions of the present embodiment can be realized. In FIG. 9, the hardware configuration of the transaction information input support device 1 is shown, but the host computer 7 has the same hardware configuration.

  2 is realized by the transaction information input support device 1, in this case, a program describing the processing contents of the functions that the transaction information input support device 1 should have is provided. By executing the program on the transaction information input support device 1, the above processing functions are realized on a computer. The program describing the processing contents can be recorded on a computer-readable recording medium. It is also possible to store the program in a storage device of a server computer and transfer the program from the server computer to another computer via a network. Furthermore, at least a part of the above processing functions can be realized by an electronic circuit such as a DSP (Digital Signal Processor), an ASIC (Application Specific Integrated Circuit), or a PLD (Programmable Logic Device).

DESCRIPTION OF SYMBOLS 1 Transaction information input support device 2 Transaction information input part 3 Name inquiry part 4 Name information comparison part 5 Error input judgment part 6 Error input table 7 Host computer 10 Initial screen 11 "Draw out" button 12 "Deposit" button 13 "Passbook entry" ”Button 14“ Balance inquiry ”button 15“ Transmit other bank ”button 16“ Fixed amount / periodic ”button 17“ MPN ”button 18“ Other ”button 20 Transfer account number input screen 21 Numeric key 22“ Correction ”key 23 Account number Display field 24 “Confirm” key 30 Transfer recipient name input screen 31 Character input key 32 Transfer recipient name display field 33 “Confirm” key 34 “Correction” key 40 Transfer recipient name reconfirmation screen 41 Push button 50 Remittance account number reconfirmation Screen 51 “Next” button 52 “Cancel” button 61 CPU
62 RAM
63 HDD
64 Graphic processing device 65 Input interface 66 Communication interface 67 Bus 68 Monitor 69 Touchpad 70 Network

Claims (8)

In the transaction information input support method to prevent erroneous input in transfer transactions,
Get transaction information of the bank account number and bank name entered by the customer,
Request a name inquiry to the host device to obtain the name corresponding to the bank account number,
Compare the acquired transfer recipient name and the name acquired from the host device,
If the transfer recipient name and the name do not match, determine whether the incorrect input of the mismatched character is due to a simple operation error due to a mistake in pressing the character input key,
When it is determined that the erroneous input is not due to a simple operation error, the re-entry of the transfer account number is prompted, and when it is determined to be due to a simple operation error, the transfer recipient name is prompted to be corrected.
A transaction information input support method characterized by that.   Whether or not it is due to a simple operation error refers to an erroneous input table that is a correspondence table between the character of the character input key and the character set of the character input key adjacent to the character input key, and the transfer recipient name and the 2. The transaction information input support method according to claim 1, wherein the determination is made by examining whether or not the other mismatched character exists in the character set corresponding to one mismatched character of the name.   2. The transaction information according to claim 1, wherein when the erroneous input is due to a simple operation error, the non-matching character of the payee name is highlighted and the payee name is reconfirmed. Input support method.   4. The transaction information input support method according to claim 3, wherein the highlighted portion of the non-matching character of the payee name is converted into a button so as to function as a switch for changing the display screen to the payee name input screen.   When it is determined that the erroneous input is not due to a simple operation error, reconfirmation of the bank account number is performed, and if there is no error in the bank account number, the bank account name is urged to be corrected. The transaction information input support method according to claim 1, wherein the transaction information input support method is used.   If the transfer recipient name and the name do not match, check the difference between the number of characters in the transfer recipient name and the number of characters in the name, and if the difference in the number of characters is greater than a predetermined value, incorrect input is due to a simple operation error The transaction information input support method according to claim 1, wherein the transaction information input support method is characterized in that it is determined that the account number is not, and re-entry of the transfer account number is prompted. In the transaction information input support device that prevents erroneous input in the transfer transaction,
A transaction information input unit that guides the input of the transfer account number and the transfer recipient name, and obtains transaction information of the input transfer account number and the transfer recipient name,
A name inquiry unit that obtains a name corresponding to the transfer destination account number by requesting a name reference to the host device based on the input transfer account number;
A name information comparison unit that checks whether the input name of the transfer recipient and the acquired name match;
An erroneous input table that is a correspondence table between the characters of the character input key and the character set of the character input key adjacent to the character input key;
The mismatched characters of the payee name and the name are specified, and it is determined whether the mismatched character specified by referring to the erroneous input table is in a correspondence relationship, and the transferee account number is re-established according to the determination. An erroneous input determination section that prompts the user to correct the input or transferee name,
A transaction information input support device comprising: In a transaction information input support program that causes a computer to execute processing to prevent erroneous input in a transfer transaction,
In the computer,
Get transaction information of the bank account number and bank name entered by the customer,
Request a name inquiry to the host device to obtain the name corresponding to the bank account number,
Compare the acquired transfer recipient name and the name acquired from the host device,
If the transfer recipient name and the name do not match, determine whether the incorrect input of the mismatched character is due to a simple operation error due to a mistake in pressing the character input key,
When it is determined that the erroneous input is not due to a simple operation error, the re-entry of the transfer account number is prompted, and when it is determined to be due to a simple operation error, the transfer recipient name is prompted to be corrected.
A transaction information input support program characterized by causing processing to be executed.

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