JP4185944B2 - Automatic transaction equipment - Google Patents

Description

  The present invention relates to a processing method for performing a transfer transaction in an automatic transaction apparatus in an automatic transaction system.

  In Japanese Patent Laid-Open No. Hei 6-282728, a transfer card recording transfer destination information data necessary for a transfer by a seller is issued to a customer, and the customer transfers money using an automatic transaction apparatus using the transfer card. Technology is shown.

JP-A-6-282728

  In the conventional technique, since a transfer card is used, an automatic transaction apparatus that can be used has been specified.

  In order to achieve the above-mentioned problems, a host of a financial institution that assigns a unique number to bank information, manages a host computer having a database that can manage all bank numbers, and manages an automatic transaction apparatus. Communication means is provided between the computer and the host computer of the management center. When the transfer person inputs the transfer destination number with the automatic transaction apparatus, the transfer destination number is transmitted from the automatic transaction apparatus to the database on the host computer of the management center via the host computer of the financial institution. The host computer of the management center searches for the transfer destination number, and sends the transfer destination information for the transfer destination number to the automatic transaction apparatus via the host computer of the financial institution. The automatic transaction apparatus performs a transfer process using the transfer destination information, so that the transfer person can transfer without inputting transfer information such as a transfer destination financial institution name.

  In addition, a unique number is assigned to a payment request slip issued to a customer by a seller such as catalog sales, and is registered in the database on the host computer in association with the transfer destination information. When the slip number is input by the automatic transaction apparatus, the transfer destination number and the slip number are transmitted from the automatic transaction apparatus to the database on the host computer of the management center via the host computer of the financial institution. The host computer of the management center sends the billed amount to the automatic transaction apparatus via the host computer of the financial institution according to the transfer destination number and the slip number. The automatic transaction apparatus displays the billing amount on the display device and makes the transfer person confirm the transfer amount, so that the transfer person can perform the transfer without inputting the transfer amount.

  In addition, the customer can make a transfer using any automatic transaction apparatus that supports the system.

  According to the present invention, it becomes possible for a user to designate a transfer destination only by inputting a number with an automatic transaction apparatus of an arbitrary financial institution equipped with this system, so that service and operability for the user can be provided. Can be improved.

  In addition, since the transfer amount is inquired from the transfer destination, it is possible to avoid the trouble that the user transfers the wrong amount.

  Embodiments of the present invention will be described below in detail with reference to the drawings.

  FIG. 1 is a block diagram of a transfer system according to the present invention. The host computer of each bank (bank A1, bank B2,..., Bank N3) and the host computer of the management center 7 are connected by respective communication lines (communication line 4, communication line 5,..., Communication line 6). Has been.

  FIG. 2 is an external view of the automatic transaction apparatus according to the present invention. Reference numeral 8 denotes a main body of the automatic transaction apparatus, which includes a bankbook entry / exit 9, a card entrance / exit 10, a banknote entrance / exit 11, a coin entrance / exit 12, an operation guidance screen, and a display device 13 for processing input.

  FIG. 3 is a block diagram of an automatic transaction apparatus and a host computer of a financial institution according to the present invention. Reference numeral 14 denotes an automatic transaction apparatus body, which includes a card reading unit 15, a passbook statement printing unit 16, a banknote depositing / withdrawing unit 17, a coin depositing / withdrawing unit 18, a control unit 19, an interface unit 20, a display input unit 21, a storage unit 22, The power supply units 23 and 24 are communication lines that are communication media with the host computer of the financial institution. Reference numeral 25 denotes a host computer body of a financial institution, and a storage unit 26, a control unit 27, an interface unit 28, and power supply units 29 and 30 are communication lines which are communication media with the host computer of the management center.

FIG. 4 is a block diagram of the host computer of the management center according to the present invention.
Reference numeral 31 denotes a host computer main body of the management center, and a storage unit 32, a control unit 33, an interface unit 34, and power supply units 35 and 30 are communication lines which are communication media with the host computer of the financial institution.

  FIG. 5 is an example of data managed in the transfer destination number database of the host computer of the management center according to the present invention. Reference numeral 36 denotes a transfer destination number, and a transfer destination name (company name) 37 and transfer destination information (financial institution name, branch name, subject, account number, etc.) 38 are recorded for the transfer destination number.

  FIG. 6 is an example of data managed in the slip number database of the host computer of the management center according to the present invention. Reference numeral 39 denotes a transfer destination number, which records a slip number corresponding to the transfer destination number, that is, a slip number 40 issued by the transfer destination company and a charge amount 41.

  FIG. 7 is a transfer destination number input screen of the automatic transaction apparatus according to the present embodiment. The user inputs the transfer destination number by pressing the number key 43. The input transfer number is displayed in the transfer number display area 42. The user confirms the displayed number and presses the confirmation key 44 to complete the input of the transfer destination number.

  FIG. 8 is a slip number input screen of the automatic transaction apparatus according to the present embodiment. The user inputs the slip number by pressing the number key 46. The entered slip number is displayed in the slip number display area 45. The user confirms the displayed number and presses the confirmation key 47 to finish inputting the transfer destination number.

FIG. 9, FIG. 10 and FIG. 11 are respectively a processing flow of the automatic transaction apparatus, a processing flow of the host computer of the financial institution and a processing flow of the host computer of the management center when performing the transfer transaction according to the present invention. The user selects a key for performing a transfer from among the transaction name keys displayed on the display device 13 of the automatic transaction apparatus 8. (Step 48)
When the transaction is selected, the control unit 19 causes the display input unit 21 to display that the transfer method is selected, and the user inputs the transfer method from the display input unit 21. (Step 49)
When selection of the transfer method is completed, the control unit 19 displays that the card is inserted into the display input unit 21 when the transfer by account withdrawal is selected in step 48, and the card reading unit 15 displays the card inhalation. When the user inserts a card into the card reading unit 15, the card reading unit 15 reads the card and stores it in the storage unit 22. (Step 50)
When the storage is completed, the control unit 19 displays on the display input unit 21 that the password is input, and the user inputs the password from the display input unit 21. (Step 51)
After completion of the input of the password at step 50 or when the transfer by cash is selected at step 48, the control unit 19 displays on the display input unit 21 that the transfer destination number is input (FIG. 7). When the user inputs the transfer destination number specified in the payment request slip from the display input unit 21, the input transfer destination number is stored in the storage unit 22. (Step 52)
Subsequently, the control unit 19 displays on the display input unit 21 that the slip number is input (FIG. 8). When the user inputs the slip number assigned to the payment request slip from the display input unit 21, the input slip number is stored in the storage unit 22. (Step 53)
When the input of the number is completed, the control unit 19 transmits the transfer inquiry data including the input transfer destination number and slip number to the host computer 25 of the financial institution via the communication line 24. (Step 53)
The transmitted data is received by the control unit 27 of the host computer of the financial institution. As for the transfer destination number data and slip number data, the control unit 27 of the host computer of the financial institution transmits the transferred transfer destination number data and slip number data to the host computer 31 of the management center via the communication line 30. (Step 59)
The transmitted data is received by the control unit 33 of the host computer of the management center, and a transfer destination number registered in the transfer destination management data in the storage unit 32 is searched, and the transfer destination information is stored in the storage unit 32. (Step 61)
Subsequently, the control unit 33 searches for the transfer destination number registered in the slip management data in the storage unit 32, searches for the slip number registered in the searched transfer destination number data, and stores the payment request amount in the storage unit 32. To remember. (Step 62)
When the search for the transfer destination information and the requested payment amount is completed, the control unit 33 transmits the input transfer destination information data and the requested payment amount data to the host computer 25 of the financial institution via the communication line 30. (Step 63)
The transmitted data is received by the control unit 27 of the host computer of the financial institution, and the control unit 27 of the host computer of the financial institution receives the transfer destination information, the amount requested for payment (transfer amount), and the transfer inquiry data received in step 53. To determine whether or not transfer inquiry is possible, and sends a reply to the automatic transaction apparatus 14 via the communication line 24. (Step 60)
The control unit 19 of the automatic transaction apparatus displays on the display input unit 21 that the content is to be confirmed together with the transfer content based on the received response, and the user confirms the content. (Step 55)
When the cash transfer is selected in step 48, the control unit 19 displays an instruction to input cash on the display input unit 21, and activates and uses the banknote deposit / withdrawal unit 17 and the coin deposit / withdrawal unit 18. Prompts the person to insert cash, and cash is counted when the cash is inserted. (Step 56)
In the case of direct debit transfer, the control unit 19 edits the information necessary for the transfer transaction after completing the transfer details confirmation in step 54, and in the case of cash transfer after completing the cash input in step 55. The host computer 25 is inquired to execute a transaction and receives an answer. (Step 57)
After receiving the transaction execution reply message, the control unit 19 instructs the passbook statement slip printing unit 16 to issue a statement slip with edited transaction information, and causes the display input unit 21 to display that the statement slip is received. Ends the transaction by receiving the statement. (Step 58)

It is a transfer system block diagram by this invention. It is an external view of the automatic transaction apparatus by this invention. It is a block diagram of the automatic transaction apparatus by this invention and the host computer of a financial institution. It is a block diagram of the host computer of the management center by this invention. It is an example of the data managed in the transfer destination number database of the host computer of the management center by this invention. It is an example of the data managed by the slip number database of the host computer of the management center according to the present invention. It is a transfer destination number input screen of the automatic transaction apparatus in a present Example. It is a slip number input screen of the automatic transaction apparatus in the present embodiment. It is a processing flow of the automatic transaction apparatus when performing the transfer transaction by this invention. It is a processing flow of the host computer of the financial institution at the time of performing the transfer transaction by this invention. It is a processing flow of the host computer of the management center when performing the transfer transaction by this invention.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 ... Bank A, 2 ... Bank B, 3 ... Bank N, 4 ... Communication line, 5 ... Communication line, 6 ... Communication line, 7 ... Management center, 8 ... Main body of automatic transaction apparatus, 9 ... Passbook entry / exit, 10 DESCRIPTION OF SYMBOLS: Card entrance, 11 ... Banknote entrance, 12 ... Coin entrance, 13 ... Display apparatus, 14 ... Automatic transaction apparatus main body, 15 ... Card reading part, 16 ... Passbook statement printing part, 17 ... Banknote deposit / withdrawal part, 18 ... Coin Deposit / withdrawal unit, 19 ... control unit, 20 ... interface unit, 21 ... display input unit, 22 ... storage unit, 23 ... power supply unit, 24 ... communication line, 25 ... host computer body, 26 ... storage unit, 27 ... control unit , 28 ... interface section, 29 ... power supply section, 30 ... communication line, 31 ... host computer main body, 32 ... storage section, 33 ... control section, 34 ... interface section, 35 ... power supply section, 36 ... payee number, 37 ... Transfer Name (company name), 38 ... bank transfer information, 39 ... bank transfer number, 40 ... slip number, 41 ... billed amount, 42 ... bank transfer number display area, 43 ... number key, 44 ... confirmation key, 45 ... slip number Display area, 46... Number key, 47.

Claims (3)

An automatic transaction apparatus having a display input unit, a banknote deposit / withdrawal unit, a passbook statement printing unit, and an interface unit that communicates with a host device via a communication line,
The display input unit
A screen showing multiple transaction name keys;
A screen prompting you to select a transfer method,
A screen that prompts you to enter a predetermined number that can be identified on the payment request slip and uniquely identifies the transfer destination,
A screen that prompts the user to input another number that can be specified in addition to the predetermined number given to the payment request slip;
A screen prompting confirmation by showing the transfer destination information received from the host device and the amount charged for payment;
A screen prompting the user to insert cash into the banknote deposit / withdrawal unit upon receiving confirmation of the displayed bank transfer information and billing amount,
The interface unit is
Processing for transmitting inquiry data including the predetermined number and the other number to the host device via a communication line, and receiving the transfer destination information and the amount billed;
Sends a transaction execution inquiry to the host device performs a process of receiving the answer to the transaction execution inquiry,
The passbook statement printing part is
Issue a statement with transaction information edited based on the response from the host device.
An automatic transaction apparatus characterized by that. The automatic transaction apparatus according to claim 1, wherein
2. The automatic transaction apparatus according to claim 1, wherein the host device includes a host computer of a financial institution and a host computer of a management center. The automatic transaction apparatus according to claim 1 or 2,
A control unit , a card reading unit, and a storage unit ;
The transfer transaction is executed by cash payment or account withdrawal specified on the screen for selecting the transfer method to be displayed on the display input screen,
When the cash input is designated by the display input unit, the control unit receives cash input, counts the inserted cash by the banknote deposit / withdrawal unit, and the account input is designated by the display input unit. Sometimes, the card is inhaled into the card reading unit, the card information is read and stored in the storage unit, a screen for prompting the input of a personal identification number is displayed on the display input unit, and the counted cash amount or input When the received transaction execution reply message is received by the interface unit, the statement in which the transfer transaction is edited by the passbook statement printing unit is transmitted to the host device via the communication line by the interface unit. An automatic transaction apparatus characterized by issuing.

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