JP2016038760A - Automatic transaction apparatus and automatic transaction method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an automatic transaction apparatus and an automatic transaction method which enable a balance of an account not to be printed on a receipt in the case of a transfer transaction being performed from the account and the receipt being used in place of a voucher.SOLUTION: An automatic transaction apparatus capable of communicating with a host computer comprises: an account holder name acquisition part which acquires the account holder name of an inserted card from the host computer; a transfer requester name acquisition part which acquires a transfer requester name which is input; a transfer processing part which processes a transfer to a specified transfer destination from the account of the card under the transfer requester name acquired by the transfer requester name acquisition part; a comparison part which compares the account holder name acquired by the account holder name acquisition part with the transfer requester name acquired by the transfer requester name acquisition part; and a receipt output part which outputs a receipt on which a balance of the account is not printed when the account holder name and the transfer requester name are different as a result of comparison by the comparison part.SELECTED DRAWING: Figure 4

Description

  The present invention relates to an automatic transaction apparatus and an automatic transaction method such as an automatic teller machine that is installed in a store such as a financial institution and automatically performs transactions with customers.

  Conventionally, a transfer transaction by an automatic transaction device such as an automated teller machine (ATM) may transfer a specified amount from a customer (transfer source) account to a transfer destination account. In this case, at the end of the transfer process, personal information such as the account number and balance of the transfer source used for the transfer transaction is printed on the receipt together with the transaction details and information on the transfer destination.

  Receipts issued in this way are not only used as a copy of transaction contents, but also used in place of receipts. For example, an employee may change the transfer money of a transfer transaction that the company performs as a transfer source. At this time, the employee may make a transfer using his / her personal account. In this case, since the balance of the personal account is printed on the receipt, when the receipt is used instead of the receipt, the balance of the receipt is erased with a correction liquid or the like.

  In addition, if the customer selects whether or not to print the account information of the transfer source on the receipt, and the customer chooses not to print the account information of the transfer source on the receipt, a technology for printing the receipt without the account information of the transfer source Is disclosed (for example, see Patent Document 1).

  Moreover, the technique of the automatic transaction apparatus which can correct | amend the client name input by financial transaction more easily is disclosed (for example, refer patent document 2).

JP 2001-202550 A JP 2010-86290 A

  As described above, when a transfer transaction is performed from an account, the account balance is printed on the receipt. Therefore, when the receipt is used instead of the receipt, the receipt balance is erased with a correction liquid or the like. Such receipts are often thermal paper, and there is a problem that the printed balance can be read when viewed through light.

  The present invention has been made in view of the above-described actual situation, and in the case where a transfer transaction is performed from an account and the receipt is used instead of a receipt, an automatic transaction capable of not printing the balance of the receipt. An object is to provide an apparatus and an automatic transaction method.

The present invention employs the following configuration in order to solve the above problems.
That is, according to one aspect of the present invention, the automatic transaction apparatus of the present invention is an automatic transaction apparatus capable of communicating with a host computer, and the account holder name for acquiring the account holder name of the inserted card from the host computer. An acquisition unit, a transfer requester name acquisition unit that acquires the input transfer requester name, and a transfer that executes the transfer process from the account of the card to the specified transfer destination with the transfer requester name acquired by the transfer requester name acquisition unit As a result of the comparison by the comparison unit comparing the processing unit, the account holder name acquired by the account holder name acquisition unit with the transfer requester name acquired by the transfer requester name acquisition unit, the account holder name and the And a receipt output unit for outputting a receipt that does not print the balance of the account when the transfer requester name is different.

  In the automatic transaction apparatus according to the present invention, it is preferable that the receipt output unit outputs a copy of the account balance printed thereon.

  In the automatic transaction apparatus according to the present invention, the receipt output unit outputs the receipt by printing the transfer content including the transfer requester name and the transfer destination, and outputs the copy without printing the transfer content. It is desirable.

  According to another aspect of the present invention, the automatic transaction method of the present invention is an automatic transaction method executed in an automatic transaction apparatus communicable with a host computer, wherein the name of the account holder of the inserted card is the host. Acquire from the computer, acquire the input transfer requester name, execute the transfer process from the card account to the specified transfer destination with the acquired transfer requester name, the acquired account holder name and the acquired transfer The client name is compared, and if the result of the comparison is that the account holder name is different from the transfer requester name, a receipt that does not print the balance of the account is output.

  In the automatic transaction method of the present invention, it is further preferable to output a copy of the account balance printed.

  According to the present invention, when carrying out a transfer transaction from an account and using the receipt instead of a receipt, the balance of the receipt is not printed, so the balance is not known to others from the receipt. There is an effect.

It is a figure which shows the application environment of an automatic transaction system. It is a figure which shows the external appearance of an automatic transaction apparatus. It is a figure which shows the system structural example of an automatic transaction apparatus. It is a figure which shows the functional block of the automatic transaction apparatus of this Embodiment. It is a flowchart (the 1) which shows the flow of the automatic transaction process of this Embodiment. It is a flowchart (the 2) which shows the flow of the automatic transaction process of this Embodiment. It is a figure which shows the example of a display of a transaction classification selection screen. It is a figure which shows the example of a display of a transfer content confirmation screen. It is a figure which shows the example of a display of an issue receipt type selection screen. It is a figure which shows the example of a printing of a "receipt" receipt without a balance. It is a figure which shows the example of a printing of a "record" receipt with a balance. It is a figure which shows the example of a printed "transaction details" receipt with a balance.

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.
FIG. 1 is a diagram showing an application environment of an automatic transaction system to which the present invention is applied.

  In FIG. 1, an automatic transaction system includes an automatic transaction apparatus 1 such as an automatic teller machine installed in a store of a financial institution such as a bank or a convenience store, and a host computer 2 managed by the financial institution. With. The automatic transaction apparatus 1 is communicably connected to the host computer 2 via the network 3. The network 3 is a dedicated communication network for the Internet, an intranet or an automatic transaction system.

FIG. 2 is a diagram showing an appearance of an automatic transaction apparatus to which the present invention is applied.
In FIG. 2, the automatic transaction apparatus 1 includes a passbook insertion unit 10, a card insertion unit 11, a coin deposit / withdrawal unit 12, a banknote deposit / withdrawal unit 13, and a display input unit 14.

  The passbook insertion unit 10 accepts the passbook, and returns the passbook after performing certain processes such as reading data stored in a magnetic stripe unit attached to the side of the passbook, filling in the passbook, and the like. The card insertion unit 11 accepts the cash card, returns the cash card after performing certain processing such as reading data stored in the cash card. Moreover, the card insertion part 11 discharges the created transfer card when issuing the transfer card, accepts the transfer card when using the transfer card, and stores the data stored in the transfer card. Return the transfer card after certain processing such as reading. Further, the card insertion unit 11 discharges (returns) a receipt issued by executing an automatic transaction process described later.

  The coin deposit / withdrawal unit 12 receives and dispenses coins. The banknote deposit / withdrawal unit 13 accepts banknotes and pays out banknotes.

  The display input unit 14 displays a transaction content menu, transaction result guidance, etc., and accepts processing requests.

FIG. 3 is a diagram illustrating a system configuration example of the automatic transaction apparatus.
In FIG. 3, the ATM control unit 20 is provided in the automatic transaction apparatus 1. The ATM control unit 20 includes a main control unit 21, a memory 22, a hard disk 23, a host communication control unit 24, a screen display unit 25, a key input unit 26, and an IO (Input Output) control unit 27. Then, the ATM control unit 20 controls the banknote processing unit 30, the coin processing unit 40, the bankbook processing unit 50, the card processing unit 60, and the receipt issue processing unit 70 via the IO control unit 27, thereby enabling automatic transaction. The entire apparatus 1 is controlled.

  The memory 22 includes a RAM (Random Access Memory), a ROM (Read Only Memory), a hard disk 23, and the like, and includes a control program for controlling and executing each function of the OS (Operating System) and the automatic transaction apparatus 1. It is remembered.

  The host communication control unit 24 controls communication with the host computer 2. The screen display unit 25 and the key input unit 26 are interfaces when the user operates the automatic transaction apparatus 1. That is, the screen display unit 25 displays a transaction menu and a guide regarding transactions. The key input unit 26 is a numeric keypad or a key button for a user to input. The screen display unit 25 and the key input unit 26 are integrated as a touch panel of the display input unit 14.

  Moreover, the banknote processing unit 30 counts the number of banknotes inserted from the banknote deposit / withdrawal unit 13 at the time of deposit or transfer, and determines the type of banknote. Further, when the banknotes are paid out, the banknotes to be paid out are counted. The coin processing unit 40 counts the number of coins inserted from the coin deposit / withdrawal unit 12 when depositing or transferring money, and determines the type of coin. When coins are paid out, the coins to be paid out are counted. The bankbook processing unit 50 reads data stored in the magnetic stripe part of the bankbook inserted from the bankbook insertion unit 10. In addition, the bankbook is filled in for the bankbook.

  The card processing unit 60 reads data stored in the magnetic stripe part and IC chip part of the card medium inserted from the card insertion part 11. The card processing unit 60 issues a transfer card. Furthermore, the card processing unit 60 ejects the magnetic card for which processing such as recording or writing has been completed according to the transaction from the card insertion unit 11 and returns it to the user.

  The receipt issuance processing unit 70 issues a receipt on which transaction details for confirming the transaction result are printed, including a receipt issued by executing an automatic transaction process, which will be described later, and discharges it from the card insertion unit 11.

FIG. 4 is a diagram showing functional blocks of the automatic transaction apparatus according to the present embodiment.
In FIG. 4, the automatic transaction apparatus 1 includes an account holder name acquisition unit 71, a transfer request person name acquisition unit 72, a transfer processing unit 73, a comparison unit 74, and a receipt output unit 75. The automatic transaction apparatus 1 is a computer system equipped with an automatic transaction program for executing automatic transaction processing described later.

The automatic transaction apparatus 1 can communicate with the host computer 2.
The account holder name acquisition unit 71 acquires the account holder name of the cash card inserted into the card insertion unit 11 from the host computer 2. The transfer requester name acquisition unit 72 acquires the transfer requester name input using the key input unit 26. The transfer processing unit 73 executes a transfer process from the account holder name acquired by the account holder name acquiring unit 71 to the specified bank account. In addition, the transfer processing unit 73 executes a transfer process to the transfer destination designated from the account of the card with the transfer requester name acquired by the transfer requester name acquisition unit 72.

  The comparison unit 74 compares the account holder name acquired by the account holder name acquisition unit 71 with the transfer requester name acquired by the transfer requester name acquisition unit 72. The receipt output unit 75 outputs a receipt that does not print the balance of the account from the card insertion unit 11 when the account holder name is different from the transfer requester name as a result of the comparison by the comparison unit 74. In this case, the receipt output unit 75 outputs a copy in which the balance of the account is printed. The receipt output unit 75 prints the transfer contents including the transfer requester name and the transfer destination, outputs the receipt, and outputs the copy without printing the transfer contents.

  The automatic transaction apparatus 1 as described above determines that the account holder and the transfer requester name are different, for example, by detecting that the transfer requester name to be transferred is corrected from the account holder name, To display a screen for guiding the necessity of printing the balance. That is, the fact that the name of the transfer requester who performs the transfer is corrected from the name of the account holder may be that the transfer process is performed by an agent different from the account holder who is the owner of the card that performs the transfer process.

  Then, the automatic transaction apparatus 1 receives a message of the transfer transaction result from the host computer 2 and then, according to the customer's selection instruction, sees the displayed guidance screen (screen for guiding the necessity of printing the balance in the transfer transaction). Issue a receipt with or without balance printing.

Next, “automatic transaction processing” executed by the automatic transaction apparatus 1 will be described.
5 and 6 are flowcharts showing the flow of automatic transaction processing according to the present embodiment. FIG. 7 is a diagram illustrating a display example of a transaction type selection screen. FIG. 8 is a diagram illustrating a display example of a transfer content confirmation screen. FIG. 9 is a diagram showing a display example of an issue receipt type selection screen. FIG. 10 is a diagram illustrating a print example of a “receipt” receipt with no balance. FIG. 11 is a diagram illustrating a print example of a “record” receipt with a balance. FIG. 12 is a diagram illustrating a print example of a “transaction details” receipt with a balance.

  When the customer approaches the automatic transaction apparatus 1, a customer detection sensor (not shown) provided in the automatic transaction apparatus 1 detects the approach of the customer. Then, in step S501, the screen display unit 25 displays a transaction type selection screen as illustrated in FIG.

  In step S502, it is determined whether “transfer” is selected by the customer from the transaction type selection screen displayed in step S501 (the “transfer” key button in FIG. 7 is pressed) or another transaction is selected. .

  When a button other than the “transfer” key button is selected (step S502: NO), “other transaction” corresponding to the selected transaction is executed in step S503.

  On the other hand, when the “transfer” key button is selected (step S502: YES), the display input unit 14 prompts the user to insert a cash card, a transfer card or the like, and takes in the card into which the card processing unit 60 has been inserted. . In step S504, the bank card account information and personal identification number are acquired. That is, for example, account information such as an account number recorded on the magnetic stripe of the cash card is acquired. Subsequently, the screen display unit 25 prompts the input of a personal identification number by the display input unit 14, and acquires the personal identification number pressed by the customer.

  Next, in step S505, transfer details such as transfer account information and transfer amount are acquired. That is, the key processing unit 60 acquires the transfer destination account information and the like from the transfer card, or the key input unit 26 acquires the input transfer destination account information and the like. Then, the display input unit 14 prompts the input of the transfer amount, and acquires the transfer amount pressed by the customer.

  In step S506, the host communication control unit 24 sends a message of the transfer contents acquired in step S505 to the host computer 2 via the network 3 to inquire about the transfer information. The host computer 2 confirms the transfer contents of the received electronic message, and the transfer information including the account holder name corresponding to the bank card account information and the transfer destination account information included in the electronic message transmitted in step S506 via the network 3. A message of the inquiry result is returned to the automatic transaction apparatus 1.

  In step S507, the host communication control unit 24 receives a transfer information inquiry result message from the host computer 2.

  Based on the transfer information inquiry result received in step S507, in step S508, the screen display unit 25 displays a transfer content confirmation screen as illustrated in FIG.

  In FIG. 8, “bank name”, “branch name”, and “subject / account” correspond to the transfer destination account information acquired in step S505. “Recipient name” is an account holder corresponding to the bank account information. The “requester name” is an account holder corresponding to the account information of the cash card acquired in step S504.

  In step S509, whether or not the “correction” key button corresponding to the name of the client who performs the transfer (“requester name” in FIG. 8) on the transfer content confirmation screen displayed in step S508 has been pressed (selected). Judging.

  When the “correction” key button corresponding to the client name is pressed (step S509: YES), in step S510, the screen display unit 25 displays a client name correction screen (not shown) on the display input unit 14 and is displayed by the customer. Accept correction of client name. In step S511, the screen display unit 25 displays a transfer content confirmation screen in which the correction of the client name is reflected on the display input unit 14.

  In step S512, the host communication control unit 24 transmits a message of the transfer contents with the client name corrected to the host computer 2 via the network 3, and requests the transfer. The host computer 2 executes a transfer process according to the received transfer contents message, and returns a transfer result message to the automatic transaction apparatus 1 via the network 3.

  Then, when the automatic transaction apparatus 1 receives a transfer result message from the host computer 2 in step S513, in step S514 of FIG. 6, the screen display unit 25 displays an issuance receipt type selection screen as illustrated in FIG. It is displayed on the display input unit 14.

  In step S515, whether “receipt and copy” is selected by the customer from the issued receipt type selection screen displayed in step S514 (the “receipt and copy” key button in FIG. 9 is pressed) or “transaction details only”. Is selected (“transaction details only” key button in FIG. 9 is pressed).

  When the “receipt and copy” key button is selected (step S515: YES), in step S516, the receipt issue processing unit 70 issues a receipt as a “receipt” with no balance as illustrated in FIG. And returned (discharged) from the card insertion section 11. Here, the transaction details for confirming the transaction result excluding the balance are printed on the receipt as “receipt” with no balance.

  In step S517, the receipt issuance processing unit 70 issues a receipt as “reserved” with a balance as exemplified in FIG. 11 and returns (discharges) the receipt from the card insertion unit 11. Here, the transaction details including the balance are printed on the receipt as “Reserve” with balance, but the details regarding the transfer processing including the transfer destination and the transfer requester are not printed. Note that the receipts issued in steps S516 and S517 may be returned at the same time.

  In step S518, the card processing unit 60 ejects the magnetic card from the card insertion unit 11 and returns it to the customer.

  On the other hand, when the “transaction details only” key button is selected in step S515 (step S515: NO), in step S519, the receipt issuance processing unit 70 has a balance “transaction details” as illustrated in FIG. The receipt is issued and returned (discharged) from the card insertion section 11. Here, the transaction details for confirming the transaction result including the balance are printed on the receipt as “transaction details” with balance.

  If the “correction” key button corresponding to the client name is not pressed in step S509 (step S509: NO), for example, the “correction” key button corresponding to another input item (for example, “bank name”) Is selected, or when no “correction” key button is selected and the “confirm” key button is selected, “other processing” corresponding to the selected processing is executed in step S520. . In step S519, the receipt issuance processing unit 70 issues a receipt as “transaction details” with a balance as exemplified in FIG. In step S518, the card processing unit 60 ejects the magnetic card from the card insertion unit 11 and returns it to the customer.

  As mentioned above, although embodiment of this invention has been described referring drawings, the automatic transaction apparatus to which this invention is applied is not limited to the above-mentioned embodiment.

  Further, the above-described embodiment of the present invention can be realized by hardware or firmware or software on a DSP (Digital Signal Processor) board or CPU board as one function of the automatic transaction apparatus.

  Further, the automatic transaction apparatus to which the present invention is applied is not limited to the above-described embodiment as long as the function is executed, and even a single apparatus or a system composed of a plurality of apparatuses Needless to say, the integrated device may be a system in which processing is performed via a network such as a LAN or a WAN.

  It can also be realized by a system including a CPU, a ROM or RAM memory connected to a bus, an input device, an output device, an external recording device, a medium driving device, and a network connection device. That is, a hard disk, ROM, RAM, and other memories that record the software program for realizing the system of the above-described embodiment, an external recording device, and a portable recording medium are supplied to the automatic transaction device, and the automatic transaction device Needless to say, this is also achieved by the computer reading and executing the program.

  In this case, the program itself read from the portable recording medium or the like realizes the novel function of the present invention, and the portable recording medium or the like on which the program is recorded constitutes the present invention.

  Examples of portable recording media for supplying the program include flexible disks, hard disks, optical disks, magneto-optical disks, CD-ROMs, CD-Rs, DVD-ROMs, DVD-RAMs, magnetic tapes, and nonvolatile memory cards. Various recording media recorded via a network connection device (in other words, a communication line) such as a ROM card, electronic mail or personal computer communication can be used.

  The computer (information processing apparatus) executes the program read out on the memory, thereby realizing the functions of the above-described embodiment, and an OS running on the computer based on the instructions of the program. Performs part or all of the actual processing, and the functions of the above-described embodiments are also realized by the processing.

  Furthermore, a program read from a portable recording medium or a program (data) provided by a program (data) provider is stored in a memory provided in a function expansion board inserted into the computer or a function expansion unit connected to the computer. After being written, the CPU of the function expansion board or function expansion unit performs part or all of the actual processing based on the instructions of the program, and the functions of the above-described embodiment are realized by the processing. obtain.

  That is, the present invention is not limited to the embodiments described above, and can take various configurations or shapes without departing from the gist of the present invention.

DESCRIPTION OF SYMBOLS 1 Automatic transaction apparatus 2 Host computer 3 Network 10 Passbook insertion part 11 Card insertion part 12 Coin depositing / withdrawing part 13 Banknote depositing / withdrawing part 14 Display input part 20 ATM control part 21 Main control part 22 Memory 23 Hard disk 24 Host communication control part 25 Screen Display unit 26 Key input unit 27 IO control unit 30 Banknote processing unit 40 Coin processing unit 50 Passbook processing unit 60 Card processing unit 70 Receipt issue processing unit 71 Account holder name acquisition unit 72 Transfer request person name acquisition unit 73 Transfer processing unit 74 Comparison unit 75 Receipt output section

Claims (5)

In an automatic transaction apparatus that can communicate with a host computer,
An account holder name acquisition unit for acquiring the account holder name of the inserted card from the host computer;
A transfer requester name acquisition unit for acquiring the input transfer requester name;
A transfer processing unit that executes a transfer process from the account of the card to the transfer destination specified by the transfer requester name acquired by the transfer requester name acquisition unit;
A comparison unit that compares the account holder name acquired by the account holder name acquisition unit with the transfer requester name acquired by the transfer requester name acquisition unit;
As a result of comparison by the comparison unit, if the account holder name and the transfer requester name are different, a receipt output unit that outputs a receipt that does not print the balance of the account; and
An automatic transaction apparatus comprising:   The automatic transaction apparatus according to claim 1, wherein the receipt output unit outputs a copy of the account balance printed thereon.   3. The receipt output unit prints the transfer contents including the transfer requester name and the transfer destination, outputs the receipt, and outputs the copy without printing the transfer contents. Automatic transaction equipment. An automatic transaction method executed in an automatic transaction apparatus capable of communicating with a host computer,
Obtain the account holder name of the inserted card from the host computer,
Get the name of the transfer requester entered,
Execute the transfer process from the card account with the acquired transfer requester name to the specified transfer destination,
Compare the acquired account holder name with the acquired transfer requester name,
As a result of the comparison, if the account holder name is different from the transfer requester name, a receipt that does not print the balance of the account is output.
An automatic transaction method characterized by that.   5. The automatic transaction method according to claim 4, further comprising outputting a copy of the account balance printed thereon.