JP2891220B2 - Deposit and withdrawal processing method by card transaction - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an ATM (Automati
c Teller Machine; auto tailor machine; financial automation equipment).

More specifically, as will be apparent from the following description, the present invention provides a method for depositing / withdrawing and transferring money to a customer's own bank account even when a bank card of another bank is input to the bank's own ATM. The present invention relates to a deposit / withdrawal processing method by card transaction which enables processing. On the contrary, the present invention enables a deposit and withdrawal and transfer process to a customer's other bank account even when a bank card is inputted to a bank ATM.

[0003]

2. Description of the Related Art In a conventional ATM system capable of automatic cash deposit / withdrawal and transfer processing functions, when there are transactions (accounts) with a plurality of banks, it is necessary for a customer to always carry a plurality of cash cards. Have been.

[0004] The reason is that transactions can only be made to the cash card account input from the ATM.

As a system for opening an account by referring to information of another bank, for example, Japanese Patent Laid-Open No. 2-287767 discloses a system in which data on a card is read and personal information is transferred to another bank via a host computer of the bank itself. Request to the host computer of, open an account with the information,
2. Description of the Related Art An automatic transaction system has been proposed in which a bankbook and a card are issued to facilitate opening of an account for a bank or the like and a customer.

[0006]

As described above, in the conventional method, when a customer has a transaction with a plurality of banks,
It is necessary to carry a plurality of cash cards at all times. For example, it is not possible to carry out a transaction in one bank (other bank) using a bank card in another bank (own bank). However, there is a problem that satisfactory services are not always provided.

[0007] The reason is that, as described above, transactions can be made only to the account of the currently input cash card.

Accordingly, the present invention has been made in view of the above-mentioned problems, and an object of the present invention is to provide a cash card of another bank via a host computer of the bank itself.
Obtain this customer information from another bank's host computer,
It is an object of the present invention to provide a deposit / withdrawal / transfer transaction system that searches for an account of one's own bank based on this information and enables deposit / withdrawal and transfer processing from the acquired account.

According to the present invention, customer information is acquired from a host computer of the bank in the bank card of the bank, an account of another bank is searched based on the information, and deposit / withdrawal and transfer processing can be performed from the acquired account. It is also an object to provide a deposit / withdrawal / transfer transaction system.

[0010]

In order to achieve the above object, according to the present invention, a customer connects to his / her own host computer.
Based on the information of the other banks card entered from the ATM that the <br/> via own row of the host computer, from the other banks of the host computer to retrieve customer information, said own bank that received the customer information The host computer searches for an account from the account information of the bank using the customer information as a key, and connects the acquired account of the bank to the host computer of the bank.
The customer returns to the connected ATM, and the customer connects predetermined information necessary for performing deposit / withdrawal and / or transfer processing to the account of the bank to the host computer of the bank.
Input from the ATM , and processing of the account of the own bank by the host computer of the own bank, thereby enabling deposit / withdrawal and transfer processing of the customer's own bank account input with a cash card of another bank. And

[0011] Further, the present invention provides a method in which a customer uses his / her own host computer.
Based on the information of the line card input from the ATM that is connected to the computer, in the self-line host computer, the acquired customer information, and transmits the customer information to other banks of the host computer, having received the customer information other banks of the host computer, the other as a key the customer information
Acquires from the other banks account account information line, return the acquired other banks accounts to the ATM connected to the own line of host via computer of the self-line host computer, the customer is the other to line account, the predetermined information needed when performing the depositing and dispensing and / or transfer process
The information is input from the ATM connected to the host computer of the bank, the input information is transmitted to the computer of the other bank via the host computer of the bank, and the processing of the account of the other bank is performed by the computer of the other bank. By doing so, it is possible to perform deposit / withdrawal and transfer processing of an account of another bank of the customer input with his / her bank card.

According to the present invention configured as described above, when a customer has a transaction with a plurality of banks, it is not necessary to carry a plurality of cash cards at all times. It is possible to improve convenience and service for the customer.

[0013]

Preferred embodiments of the present invention will be described below with reference to the drawings.

According to the present invention, in the first embodiment, it is possible to process a bank account using another bank card.

First, based on the information (1 in FIG. 1) of the other-line card inputted from the ATM (automatic teller machine), the host computer (100 in FIG. 1) of the other line is used. The customer information request (2 in FIG. 1) is transmitted to 110) in FIG. 1, and the host computer in the other bank (110 in FIG. 1) transmits the account customer information based on the card information (3 in FIG. 1) from the other bank. The customer information (4 in FIG. 1) is obtained from (111 in FIG. 1). The information (1 in FIG. 1) of the other-line card includes a financial institution code, a store code, an account number, and a password. The customer information (4 in FIG. 1) acquired by the other-line host computer includes a customer name, an address, a telephone number, and the like.

Next, another bank computer (110 in FIG. 1)
The host computer (100 in FIG. 1) having received the customer information (5 in FIG. 1) retrieves an account from the account information (101 in FIG. 1) using this information as a key (FIG. 1).
6), the acquired account is returned to the ATM (102 in FIG. 1) (7 in FIG. 1).

The customer confirms the acquired account displayed on the ATM (8 in FIG. 1), and inputs a transaction type, an amount, and a personal identification number when depositing / withdrawing and transferring the account (FIG. 1).
9), own host computer (100 in FIG. 1)
Handles this request (10 in FIG. 1).

Further, in the second embodiment of the present invention, it is possible to process another bank account using its own bank card.

First, the information of the own bank card (FIG. 2)
21) based on its own host computer (1 in FIG. 2).
00), the account information (101 in FIG. 2) is searched (22 in FIG. 2), the customer information is obtained (23 in FIG. 2), and the customer information is transferred to another host computer (110 in FIG. 2).
(24 in FIG. 2). The information of the own bank card (21 in FIG. 2) includes a financial institution code, a store code, an account number, and a personal identification number. The customer information (23 in FIG. 2) includes a customer name, an address, a telephone number, and the like.

Next, the host computer (110 in FIG. 2) of the other bank receiving the customer information searches the account information (111 in FIG. 2) using this information as a key (25 in FIG. 2). An account is acquired (26 in FIG. 2), the acquired account is transmitted to the host computer (101 in FIG. 2) of the own bank (27 in FIG. 2), and the account is returned to the ATM (103 in FIG. 2). (28 in FIG. 2).

When the customer performs deposit / withdrawal and transfer processing on this account, he / she inputs a transaction type, an amount, and a password (29 in FIG. 2), and transmits this information to its own host computer (100 in FIG. 2). The transaction processing request (30 in FIG. 2) is transmitted to the computer of another bank (110 in FIG. 2), and the host computer in the other bank processes this request (31 in FIG. 2).

As described above, in the conventional system, if a customer has a plurality of banks and the like, transactions cannot be made with respect to each account unless a cash card is always carried.

On the other hand, according to the embodiment of the present invention, it is possible to make a transaction with an account held by a customer by using a cash card of a specific account, so that it is necessary to carry a plurality of cards. Disappears.

[0024]

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a block diagram showing an embodiment of the present invention;

FIG. 1 is a diagram for explaining an embodiment of the present invention. With reference to FIG. 1, a deposit / withdrawal processing method by card transaction according to an embodiment of the present invention will be described.

In this embodiment, the processing of the own bank account by the other bank card is performed when the input card is information of another bank (financial institution code, store code, account number, personal identification number).
The customer is inquired about whether to perform a deposit / withdrawal and transfer process with respect to the account for the input card or to process the account held by the customer, and the customer selects one of them.

If the customer selects the latter (processing of an account held in own bank by another bank card), based on the other bank card information 1, the host computer 100 of the other bank sends the customer Information 4
(Customer name, address, telephone number, etc.).

Subsequently, the customer information 4 is supplied to the host computer 100 of the own bank via the host computer 110 of another bank. Own host computer 100
Retrieves the corresponding account from the account information 101 using this information as a key, and returns the acquired account to the ATM 102.

When the customer performs deposit / withdrawal and transfer processing on this account, the transaction type (payment, withdrawal, transfer), amount,
The personal identification number for this account is input, and based on this information, the host computer 100 of the own bank processes it.

Next, as another embodiment of the present invention, a description will be given of the processing of another bank account using its own card with reference to FIG.

First, in the case where the inputted card is the information 21 of the own bank card (financial institution code, store code, account number, personal identification number), whether the customer performs deposit / withdrawal and transfer processing for the account for the entered card. Inquire about whether to process the account held in another bank, and ask the customer to select one.

When the customer selects the latter (processing for an account held in another bank with its own card), based on the information 21,
In the host computer 100 of the bank, customer information 2
3 (customer name, address, telephone number, etc.) is obtained.

Subsequently, the customer information is transferred to the host computer 11 of another bank via the host computer 100 of the bank itself.
Send to 0.

The host computer 110 on the other bank searches for the relevant account using the information 25 as a key, and the acquired account 26 is taken over from the other host computer 110 to the host computer 100 on its own bank and the ATM 102
Return to

When the customer performs deposit / withdrawal and transfer processing for this account, the customer inputs the transaction type (payment, withdrawal, transfer), the amount, and the password for this account, and passes through the host computer 100 of the customer. , The transaction processing request 10 is transmitted to the host computer 110 in another bank, and the host computer 110 in the other bank processes from this information.

FIG. 3 is a flowchart for explaining the operation of one embodiment of the processing of the own bank account by the other bank card in the present invention shown in FIG. The operation of one embodiment of the present invention will be described with reference to FIGS.

Referring to FIG. 3, in the processing of the own bank account by the other bank card, the information of the other bank card is input, and the processing 1 of the host computer 100 of the own bank sends the customer information (customer name) to the host computer 110 of the other bank. , Address and telephone number) (step 301).

The host computer 100 of the bank searches the account information 101 for the corresponding account using the obtained customer information as a key, returns the account to the ATM 102, and asks the customer to confirm the account (step). 302).

Next, the own host computer 100
If the customer checks the account and enters the transaction type, amount, and PIN for this account, the transaction type (deposit, withdraw,
Each transaction is performed according to the contents of the transfer (step 30).
3).

FIG. 4 is a view showing the structure of the present invention shown in FIG.
It is a flowchart for demonstrating the operation | movement of one Example of the process of the other bank account by an own bank card. The operation of one embodiment of the present invention will be described with reference to FIGS.

Referring to FIG. 4, in this case, the information of the own card is input, and the host computer 100 of the own bank is input.
Obtains customer information (customer name, address, telephone number) (step 401), and requests account information based on this information to the host computer of another bank (step 402).

The host computer 110 in another bank searches the account information from the account information using this information as a key, and returns it to the host computer processing in its own bank.

The host computer 100 returns the obtained account information to the ATM 102 and asks the customer to confirm the account (step 403).

When the customer confirms the account and enters the transaction type (payment, withdrawal, transfer), the amount, and the password for this account, the customer makes a transaction processing request to the host computer 110 of another bank (step 404). ). The host computer 110 of another bank performs each transaction in response to the transaction processing request.

[0045]

As described above, according to the present invention,
By enabling transactions with own bank and other banks with any one cash card, customers do not need to carry multiple cash cards at all times even if there are transactions with multiple banks, This has the effect of improving operability and customer service in particular.

[Brief description of the drawings]

FIG. 1 is a diagram for explaining an embodiment of the present invention.

FIG. 2 is a diagram for explaining another embodiment of the present invention.

FIG. 3 is a diagram illustrating a processing flow according to an embodiment of the present invention.

FIG. 4 is a diagram for explaining a processing flow of another embodiment of the present invention.

[Explanation of symbols]

 1 Other bank card information 2 Customer information request by other bank card information 3 Other bank card information 4 Customer information 5 Customer information provision 6 Account search from customer information 7 Acquisition account return 8 Acquisition account display confirmation 9 Transaction information input 10 Transaction Processing 21 Own card information 22 Requesting customer information using own card information 23 Customer information 24 Requesting account information using customer information 25 Searching for an account from customer information 26 Returning the acquired account 27 Transferring the acquired account 28 Checking the display of the acquired account 29 Transaction information Input 30 Transaction processing request 31 Transaction processing 100 Own host computer 101 Account information customer information (database) 102 ATM (auto teller machine) 110 Other bank host computer 111 Account information customer information (database)

──────────────────────────────────────────────────続 き Continued on the front page (58) Fields surveyed (Int.Cl. ⁶ , DB name) G07D 9/00-9/02 G06F 19/00

Claims (2)

(57) [Claims] A customer connects to his / her own host computer.
Was based on the information of the other banks card input from ATM, the via self <br/> row of the host computer, acquires the customer information from the other banks of the host computer, the host line having received the customer information The host computer searches for an account from the bank information of the bank using the customer information as a key , and stores the acquired bank account in the host computer of the bank.
Return to ATM connected to computer, the customer, the own bank predetermined information required when the relative account of its own line, performs depositing and dispensing and / or transfer process
By inputting from an ATM connected to the host computer of the customer, and processing the account of the own bank by the host computer of the own bank, deposit / withdrawal and transfer processing of the customer's own bank account input with the cash card of another bank can be performed. Deposit and withdrawal processing method by card transaction. 2. A customer connects to his / her own host computer.
Was based on the information of its own line card input from ATM, at the self <br/> row of the host computer, it acquires the customer information, and transmits the customer information to other banks of the host computer, receives the customer information said other banks of the host computer, from the account information of the other banks and key the customer information
Get the account of the other banks, the obtained other banks accounts via the own bank host computer connected to the own bank host computer
You return to ATM, the customer to the account of the other banks, e of the own bank predetermined information needed when performing the depositing and dispensing and / or transfer process
Inputting from an ATM connected to a host computer, transmitting the input information to the computer of the other bank via the host computer of the own bank, and processing the account of the other bank by the computer of the other bank. A deposit / withdrawal processing method by card transaction, which enables a customer's bank account entered by one's bank card to be deposited and withdrawn and transferred.