JP2843277B2 - Cash automatic payment system - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic cash dispenser (hereinafter referred to as "ATM") capable of withdrawing money using a cash card or the like, and more particularly, to a customer who uses another bank ATM. , A technology that does not burden other banks' ATM usage fees.

[0002]

2. Description of the Related Art In such a technical field, for example, when a customer of Bank A makes a withdrawal using an ATM manufactured by Bank A, a usage fee is not deducted, but the customer of Bank A does not pay B. If you want to withdraw using a bank ATM,
In addition to the withdrawal amount, another bank usage fee (currently, 103 yen, which is 100 yen plus consumption tax), is deducted from the balance. For convenience of explanation, a combination of an ATM made by Bank A with the Bank A cash card,
The host computer of Bank A for the bank card is referred to as "genuine", and the combination of ATMs made by Bank B (banks other than Bank A) for the bank card of Bank A,
The host computer of Bank B for Bank A cash card is called "non-genuine". Each customer is called a genuine customer and a non-genuine customer.

As a method of not burdening the customer with the above usage fee, it is conceivable to install many genuine ATMs. In this way, the customer can avoid the payment of the usage fee, so that the genuine A
Opportunities to visit the TM are reduced, and the chances of using a genuine ATM installed nearby are likely to increase.

[0004]

SUMMARY OF THE INVENTION However, ATM
If a large number of ATMs are installed, the cost of installing the ATM increases, and the cost required for maintenance and the like becomes considerable. Therefore, an object of the present invention is to provide an inexpensive system that does not burden a customer with a use fee even if a non-genuine ATM that has already been installed is used without installing many genuine ATMs. It is.

[0005]

SUMMARY OF THE INVENTION To achieve the above object, the present invention provides an insertion section into which an information body storing customer information can be inserted, a reading section for reading customer information from the information body, and a payment. An automatic operation unit that includes an input operation unit capable of inputting an amount and a printing unit that prints predetermined items on a statement, and is capable of dispensing the amount input by the input operation unit and outputting the statement; In a cash automatic payment system using a payment device, the first characteristic configuration is that the system includes a second host computer that is genuine to the information body, The reading customer information read by the reading unit is input, and the discriminating unit for discriminating whether or not the information body is genuine with respect to the automatic teller machine, 1 host Means for inputting the amount input to the cash dispenser via a computer, and, if the discriminating unit determines that the amount is non-genuine, the post-transaction balance obtained by subtracting the input amount from the pre-transaction balance. Means for outputting to the automatic teller machine via the first host computer.

According to a second characteristic configuration of the present invention, the system stores a second host computer genuine for the information body and a customer list including a plurality of pieces of customer information connected to the second host computer. The second host computer receives the read customer information read by the reading unit and checks whether the information body is genuine with respect to the automatic teller machine. Via a first determination unit that determines whether the information body is a non-genuine first host computer,
Means for inputting the amount of money input to the automatic teller machine, and whether or not the read customer information satisfies a predetermined condition determined based on a specific type of information among the customer information in the storage device. A second determining unit for determining
Means for outputting a post-transaction balance obtained by subtracting the input amount from the pre-transaction balance to the automatic teller machine via the first host computer when the determination unit determines that the predetermined condition is satisfied; If it is determined that the predetermined condition is not satisfied, the post-transaction balance obtained by subtracting an amount obtained by adding a specific amount to the input amount from the pre-transaction balance is used as the cash automatic balance via the first host computer. Means for outputting to a payment device.

A third characteristic configuration of the present invention is that, in the second characteristic configuration, the specific type of information is information on the number of times a customer has made a payment within a predetermined period.

[0008]

According to the first and second aspects of the present invention, whether a use fee is deducted from a pre-transaction balance by a genuine second host computer for an automatic cash dispenser (hereinafter referred to as ATM). Determine whether or not, the non-genuine first
The host computer need not make the above determination. In other words, it is possible to judge whether or not to take a usage fee only by changing the software of the bank's computer without changing the software of another bank. In addition, since predetermined conditions are determined based on a specific type of information among a plurality of pieces of customer information, it is not necessary to deduct a usage fee for all non-genuine customers.

According to the third feature configuration of the present invention, since the predetermined condition is determined based on the number of payments, the non-genuine ATM can be used.
If the number of uses of the is more than a predetermined number, the usage fee is not deducted.

[0010]

According to the first and second aspects of the present invention, it is possible to implement a system in which a customer does not bear a usage fee only by changing the software of a genuine second host computer. In other words, there is no need to change the configuration of the financial institution net cash service system to which most financial institutions are affiliated, as shown in FIG. 5 described below, and even without installing a genuine ATM. Since a non-genuine ATM can be used effectively, it is possible to reduce the installation cost of the ATM. In addition, there is no need to deduct usage fees for all non-genuine customers. Therefore, the cost of using the usage fee can be kept within a certain level.

According to the third feature of the present invention, the burden cost can be limited by the number of times of use, so that it is easy to predict the burden cost.

[0012]

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a block diagram showing an embodiment of an automatic cash payment system and method according to the present invention. FIG.
1 shows the appearance of an ATM 1 used as a cash dispenser. The card insertion section 3 has a cash card (hereinafter, referred to as a cash card).
10 is simply inserted. The bankbook 20 is inserted into the bankbook insertion unit 4. The take-out unit 5 is a take-out port for taking out cash. Various menus are displayed on the display screen 2 so that the customer can easily operate the ATM. The card 10 has a stripe portion 10a on which customer information is magnetically recorded. Bankbook 20
Similarly, a stripe portion (not shown in FIG. 1) on which customer information is magnetically recorded is provided.
The storage unit 6 stores a plurality of statement slips 25. After predetermined items are printed on the statement slips in the printing unit 7, the AT 25
M is output outside. Since the accommodating section 6 and the printing section 7 are well known, their detailed configurations are omitted.

2 to 4 show display examples of the display screen 2. FIG. FIG. 2 shows a menu (mode) selection display example. This ATM has seven use modes, a deposit mode, a passbook entry mode, a transfer mode, a withdrawal mode, a balance inquiry mode, a card loan mode, and a transfer mode. The surface of the display screen 2 is provided with well-known thin and transparent touch keys 2a, 2b, 2c, 2d, 2e, 2f, and 2g, and the customer can press a location where a mode desired to be used is displayed. These touch keys correspond to a first input operation unit. The size of the display and the size of the touch key are set to substantially match.

FIG. 3 shows a display screen 2 when a password is input. A touch key 2h, which is a second input operation unit for inputting a personal identification number, is provided corresponding to a portion where numbers from 0 to 9 are displayed. FIG. 4 is a display screen 2 when the payment amount is input. A touch key 2h as a second input operation unit for inputting an amount is provided as in FIG. The touch keys are configured by transparent electrodes arranged in a matrix on the display screen, and the first input operation unit and the second input operation unit are partially used. The configuration of the first and second input operation units may be independently provided outside the frame of the display screen 2.

FIG. 7 shows the specific contents of the customer list (customer information) stored in the storage device 70. The customer information includes name, account number, bank code, branch code, transaction balance, number of transactions, card type information, personal identification number, and the like. FIG. 8 is a schematic diagram of an ATM and a host computer (hereinafter, simply referred to as a host) 60. The reading unit 15 stores the card 10 and the bankbook 2 inserted in the ATM.
The customer information recorded in 0 is read. Information is magnetically recorded on the card 10 and the bankbook 20 in the form of stripes, and the card 10 and the bankbook 20 correspond to information bodies. The recorded information is read by a known magnetic sensor or the like. The recorded information includes a bank code, a branch code, an account, an account number, a personal identification number (hereinafter, referred to as a customer ID), a card type (only when a cash card is used), and the like. As the card type information, information on a CD card, a card loan card, a credit card, information on a principal card or an agent card, information on a specific type of card (for example, a product name: a circus card) or a normal card There is information.

The data input section 16 corresponds to the touch keys 2a to 2h for inputting the above-mentioned password and amount. The display unit 17 corresponds to the display screen 2 described above. Printing unit 18
Prints predetermined items on a statement slip or a bankbook. From the ATM to the host 70, information such as the ID of the ATM1, the selection menu number, the input money amount, the input password, the input password read from the information body, the account number, the bank code, the branch code, the card type information, etc. Is transferred.

Next, a host for each financial period such as each bank and each A
An information network with a TM (terminal) will be described with reference to FIG. In the second regional bank group, each bank has its own host 31a, 31b, 31c ...
31n, and host 3 of a certain bank among them
For 1a, a number of ATMs 30a, 30b, 30
.., 30n. Similarly, for the city bank groups other than the second regional bank, the host 41,
An ATM 40 is provided. Other groups of financial institutions include the local bank group 51, the trust bank group, the credit union group, the labor union group, and the like.

Further, each group has a computer that controls the host in the group, for example, the computer 32 in the SCS in the second regional bank group. The computer 42 in BANKs corresponds to the city bank group, and the computer 52 in ACS corresponds to the regional bank group. Furthermore, there is a center computer 80 in MICS that controls these computers 32, 42, 52.

Next, an embodiment according to the present invention will be described. FIG. 6 illustrates an outline of a case where a non-genuine customer pays out using an ATM. The customer who owns the A bank card 10
When withdrawing using Bank B ATM 40a, Bank B A
The TM 40a reads the customer information from the card 10, and determines whether the card 10 is made by Bank B (whether or not it is genuine). If it is determined that the card 10 is made by Bank A, predetermined information including the information is transmitted to Bank B host 41.
a (the first host) to the A bank host 31a (the second host). In addition, the bankbook 20 can be used together with the card 10. Here, Bank B ATM
The information from the bank 40a to the bank B host 41a is sent to the ATM I
D, selection menu number, input withdrawal amount, input password, input password, password read from information body, account number, bank code, branch code, card type information, etc. There is one up message.)

Further, usage fee information and the like are added to the first upstream message (hereinafter, referred to as a second upstream message) and transmitted from the bank B host 41a to the bank A host 31a. After searching the customer information in the A bank host 31a and performing a predetermined withdrawal processing standard procedure, the A bank host 31a
From Bank B ATM 40a via Bank B host 41a
, ATM ID, selection menu code, input withdrawal amount, input password, password read from information body, account number, bank code, branch code, card type information, usage fee, balance information, etc. (Collectively,
Hereinafter, this is referred to as a downstream telegram. ) Is transmitted. In the case of a genuine customer, the exchange of telegrams is naturally performed by Bank B AT
This is performed only between M40a and B bank host 41a.

FIG. 6 illustrates the information transmission between the computers in a simplified manner. This will be described in more detail with reference to FIG. Here, a case where the customer of the second regional bank 31a makes a withdrawal using the ATM of the city bank 41a will be described. The first upstream message is transmitted from the ATM 40a to the host 41a (path L1). At the host 41a,
Usage fee information is added, and the second upload message is BANKS
42, the MICS 80 and the SCS 32 to the second regional bank host 31a (route L2 → L3 → L4
→ L5). The downstream telegram follows the reverse route (route L5 →
L4 → L3 → L2 → L1).

Next, the operation of the embodiment according to the present invention will be described with reference to FIG.
A description will be given based on the flowchart of FIG. A used here
TM is a non-genuine ATM. First, in the initial state, A
The TM display screen 2 is a menu (mode) as shown in FIG.
The selection display screen is displayed (step # 01). next,
A menu selection operation is performed by the customer (step # 0)
2). When dispensing is intended, the touch key 2d corresponding to the dispensing mode is pressed. When the menu is selected, it is determined whether or not the use mode is the withdrawal mode (step # 03). If it is determined that the mode is the withdrawal mode, a command to "insert a card" is issued (step # 04), and "Please insert a card" is displayed on the display screen 2.
If it is determined in step # 03 that the mode is not the withdrawal mode, it is determined whether or not the mode is the deposit mode, and a predetermined deposit mode procedure is executed. In this way, the configuration is such that a predetermined mode procedure according to the use mode is executed. FIG. 9 illustrates a procedure when the dispensing mode is selected.

Next, when the card 10 is inserted by the customer through the insertion section 3 (step # 05), a command is issued to the effect that "if the passbook is not inserted, press the password" (step # 05).
06), a message to that effect is displayed on the display screen 2. When the card 10 is inserted, the customer information magnetically recorded on the card 10 is read by the reading unit 15. When the bankbook 20 is inserted together with the card 10 (step # 0)
7), customer information magnetically recorded in the bankbook 20 is also read. When using the dispensing mode, the bankbook 20 is not necessarily required, and dispensing can be performed by using only the card 10.

After reading the customer information, a command to "press a password" is issued (step # 08), and that effect is displayed on the display screen 2. When a four-digit personal identification number is touched by the touch key 2h shown in FIG. 3 (step # 09), a command "press the amount" is issued (step # 10), and this is indicated on the display screen 2. Will be displayed.
As shown in FIG. 4, key-in of the withdrawal amount is performed by the touch key 2h (step # 11). After the above input operation is completed, it is determined whether or not the card 10 is genuine in the ATM (step # 12). When it is determined that the card 10 is genuine, the well-known payment processing standard procedure is executed in the first host 41a (step # 13), and the process proceeds to step # 19 described later.

If it is determined that the card 10 is not genuine, various data to be transferred to the second host 31a via the first host 41a are set in the transfer field. As described above, the transfer data includes the ATM ID, the selection menu number, the input withdrawal amount, the input password, and the password read from the information body, account number, bank code, branch code, card type. There is information such as information. After setting various data, the data is transferred from the ATM to the first host 4
The data is transferred to the second host 31a via the first host 1a. This second host 31a is genuine for the card 10. The following processes and procedures are executed by the second host 31a. The data to be transferred are the above-described first uplink message and second uplink message.

When the data is transferred, if the mode is the dispensing mode, a predetermined process is performed according to a predetermined standard dispensing process (step # 14). This predetermined process is a well-known procedure. After the end of this process, the second determining unit 63 determines whether the customer information satisfies a predetermined condition (step # 15).

Here, as a predetermined condition, for example, it is determined whether or not payment has been made five or more times in one month.
By setting such conditions, it is possible to limit the amount of the usage fee borne by the bank. If the number of withdrawals per month is within five, the amount obtained by subtracting the withdrawal amount from the balance before the transaction of the customer is set as the post-transaction balance (step #).
16). For example, if the balance before the transaction is 50,000 yen and the withdrawal amount is 30,000 yen, the balance after the transaction is 5,000 yen.
0-30000 = 20,000 yen. In this case, notification information such as a notification wording for notifying that the usage fee is not deducted may be set (step # 1).
8).

If it is determined in step # 15 that the predetermined condition is not satisfied, the following processing is performed. For example, if the withdrawal amount per month is 5 or more, or 8 times, the post-transaction balance is obtained by subtracting the withdrawal amount and the usage fee (103 yen) from the balance before the transaction of the customer (step). # 17). In the above example, the balance after the transaction is 5000
0-30000-103 = 19897 yen. In addition,
Although not shown in FIG. 9, when the use mode is not the withdrawal mode, but in another mode, for example, in the deposit mode, a predetermined deposit processing procedure is performed, and then the first host 41 a sends the ATM to the ATM in a predetermined manner. After the data is transferred, the process proceeds to step # 18. The same applies to other modes than the dispensing mode.

After the above operation is completed, the second host 31
a to the ATM via the first host 41a. The contents of the transferred data are ATM ID,
Selection menu code, input withdrawal amount, input password, password read from information body, account number,
Bank code, branch code, card type information, balance information,
CD usage fee, notification text data (downward telegram), and the like. When the data is transferred, the withdrawal amount, the balance, and the like are printed on the bankbook 20 (step # 19).

When printing of the bankbook 20 is completed, FIG.
The statement 25 is printed as shown in FIG. Here, the information to be printed is the number 2 of “50,000” which is the balance before the transaction.
5a, the number 25b of "30000" as the withdrawal amount, the number 25d of "20,000" as the post-transaction balance, the characters of the "fee" as the usage fee and the number 25c of "0" as the amount are printed. . From the number “0”, the customer can recognize that the usage fee has not been deducted. That is, this “0” is the notification information.

It is not always necessary to print the fee information, and only the balance before the transaction and the balance after the transaction may be printed. That is, step # 18 is not necessarily required. Alternatively, “103” may be printed as a fee. In this case, despite the printing of the commission, the commission is not deducted from the balance after the transaction, so that the customer can be notified that the commission has not actually been deducted. If the bankbook 20 has not been inserted, the process proceeds to step # 20 immediately after data transfer without step # 19.

When the printing of the statement slip 25 is completed, a command "take a cash card" is issued (step # 2).
1) The fact is displayed on the display screen 2. Card 10
Is removed from the card insertion slot 3 (step # 22),
A command is issued to "take a passbook" (step # 2)
3), that effect is displayed on the display screen 2. Bankbook 2
When 0 is removed from the passbook insertion slot 4 (step # 24),
An instruction to "take cash and a statement slip" is issued (step # 25), and that effect is displayed on the display screen 2. When the customer extracts the cash and the statement slip 25 (step # 2)
6), a series of operations is completed and returns to the initial state (step #)
1). If the bankbook 20 is not inserted, there is no step # 23 and step # 24, and the process immediately proceeds from step # 22 to step # 25.

[Another embodiment] Another embodiment will be described below.
According to the present invention, the automatic cash dispenser can use not only the withdrawal mode but also a deposit mode and a transfer mode.
Although described in M, an automatic cash dispenser (CD machine) that can use only the dispensing mode may be used. In the present invention, the usage fee is described as a non-genuine ATM usage fee. However, the present invention can be applied to an overtime usage fee (a fee for ATM usage after 6:00 pm or for ATM usage on Saturday).

In the present invention, the predetermined condition is the number of payments within a predetermined period, but the present invention is not limited to this. For example, the customer may be divided into a plurality of groups and whether or not the customer belongs to a specific group may be set as the predetermined condition. As a method of grouping, in addition to the above-described method of classifying a genuine customer or a non-genuine customer, a determination may be made based on whether or not a specific member (for example, a product name: Rainbow Club member). Alternatively, the determination may be made based on whether the ATM is installed in a specific area. As the predetermined condition, not only one condition but also a plurality of conditions may be set.
Also, various modifications can be considered for the method of setting the predetermined period and the predetermined number of payments.

The customer list stored in the storage device 40 according to the present invention is not fixed but can always be rewritten. For example, in the event that a deposit account is closed, the customer is configured to be deleted from the customer list.

In the present invention, the notification information is described using the amount of the usage fee, but the present invention is not limited to this. As shown in FIG. 10, a graphic such as a star mark 25e or other codes may be used. Further, a specific portion of various characters, numerals, and the like to be printed may be printed in different colors. For example, the basic color of the printing may be black, and the portion 25b of the payment amount in FIG. 10 may be printed in red.

In the claims, reference numerals are provided for convenience of comparison with the drawings, but the present invention is not limited to the configuration shown in the attached drawings.

[Brief description of the drawings]

FIG. 1 is an external view of a cash dispenser according to the present invention.

FIG. 2 is a display example 1 of a display screen according to the present invention.

FIG. 3 is a display example 2 of a display screen according to the present invention.

FIG. 4 is a display example 3 of the display screen according to the present invention.

FIG. 5 is an overall view of a system according to the present invention.

FIG. 6 is a schematic diagram 1 of a system according to the present invention.

FIG. 7 is a customer list according to the present invention.

FIG. 8 is a schematic diagram 2 of a system according to the present invention.

FIG. 9 is an operation flowchart according to the present invention.

FIG. 10 is an example of a statement slip output according to the present invention.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 ATM 2 Display screen 3 Card insertion part 4 Passbook insertion part 5 Take-out part 10 Statement slip 20 Deposit passbook 25 Statement slip 60 Host computer 70 Storage device

Claims (3)

(57) [Claims] An information body (10, 2) in which customer information is stored.
0), an insertion section (3, 4) into which the information body (10, 20) can be read, and a reading section (15) for reading customer information from the information body (10, 20); A printing unit (7) for printing predetermined items on the statement slip (25) is provided, and it is possible to withdraw the amount input by the input operation unit (2h) and output the statement slip (25). using such automatic cash payment device (1), your automatic cash payment system
And the system is purely compatible with the information body (10, 20).
Having a positive second host computer (31a)
Ri, the second host computer (31a) is read customer information read by the reading unit (15)
The information body (10, 20) is input and the current
Determine whether the automatic payment device (1) is genuine
A discriminating unit (62) and a first e-mail which is non-genuine for the information body (10, 20)
Through the strike computer (41a).
Means for inputting the amount of money input to the payment device (1) and the discriminating section (62),
Is the balance after the transaction obtained by subtracting the input amount from the balance before the transaction.
High via the first host computer (41a)
Means for outputting to the automatic cash dispenser (1) . 2. An information body (10, 2) in which customer information is stored.
0), an insertion section (3, 4) into which the information body (10, 20) can be read, and a reading section (15) for reading customer information from the information body (10, 20); A printing unit (7) for printing predetermined items on the statement slip (25), and outputting a payment of the amount input by the input operation unit (2h) and an output of the statement slip (25). it was using the automatic cash payment device (1) that can be done, your automatic cash payment system
And the system is purely compatible with the information bodies (10, 20).
A second host computer (31a) that is positive and
2 A plurality of clients connected to the host computer (31a)
A storage device in which a customer list including customer information is stored
(70), wherein the second host computer (31a) reads the customer information read by the reading unit (15).
The information body (10, 20) is input and the current
Determine whether the automatic payment device (1) is genuine
A first discriminator (62) that is non-genuine with respect to the information body (10, 20).
Through the strike computer (41a).
Means for inputting the amount of money input to the payment device (1), and a specific type of the customer information in the storage device (70)
The predetermined conditions determined based on the information of
A second determination unit (63) for determining whether the customer information is satisfied
And the second determination unit (63) satisfies the predetermined condition.
If it is determined to be
After the transaction, deducting the
To the automatic teller machine (1) via
Output means, and if it is determined that the predetermined condition is not satisfied,
Amount obtained by adding a specific amount to the input amount from the balance before payment
After the transaction, deducting the
To the automatic teller machine (1) via
Output means, and an automatic cash payment system. 3. The specific type of information is provided by a customer
It is information on the number of withdrawals made during the period
The automatic cash payment system according to claim 2.