JP5223415B2 - Bank transfer relay system - Google Patents

Description

  The present invention relates to a bank transfer relay system including an automatic transaction apparatus and a POS terminal, and more particularly, a bank transfer relay that simplifies a customer's procedure when there is an error in transfer information when transferring cash to a transfer destination bank account. About the system.

Conventionally, when transferring cash to the bank account of the transfer destination, go to the counter of the nearest bank, fill in the transfer account, transfer name, transfer amount, etc. on the specified transfer form, and add the cash of the transfer amount to the counter It is submitted to the person in charge and the transfer procedure is performed.
In recent years, in order to reduce clerical work at bank counters, the bank account can be transferred to an automatic transaction device such as an automated teller machine installed in a bank or a personal computer connected to the Internet. Cash can be transferred.

Furthermore, in order to improve the convenience of customers who make bank transfers, there are those that use a multimedia terminal installed in a convenience store etc. to enter bank transfer information and make transfers to the bank of the bank ( For example, see Patent Document 1).
JP 2006-252377 A (paragraph “0022” to paragraph “0030”, FIG. 3)

  However, in the conventional technology described above, the bank name, branch name, and account number of the transfer destination entered when making a transfer to the transfer destination bank using a multimedia terminal installed in a store such as a convenience store. If there is an error in the transfer information such as the name of the beneficiary or the name of the recipient, the customer who requested the transfer needs to receive a procedure for correcting the transfer destination information at the bank, convenience store, etc. There is a problem that it becomes a thing.

  An object of the present invention is to solve such a problem.

Therefore, the present invention provides an operation means for accepting input of transfer information including at least a bank account number and a transfer amount by a customer operation, a principal confirmation information input means for inputting customer identification information, and the operation means. The identity verification information of the customer who entered the transfer information in step 1 is read by the identity verification information input means, and the form issuing means for issuing the transfer request form in which the identity verification information and the input transfer information are printed, and the transfer request form is printed. The form reading means for reading the identity verification information and the transfer information, the withdrawal means for withdrawing cash, and the transfer information printed on the transfer request received from the customer are read and the transfer bank account together with the transfer information and the transfer request receiving means to be sent to the transfer processing means the notification to request the transfer process of transfer money to provided, the transfer processing means that transfer money to the account of bank details If not, the identity verification information of the customer who has caused the form reading means to read the transfer request form is read by the identity confirmation information input means, and the identity confirmation information and the form reading means read the identity confirmation read from the transfer request form. Based on the information, it is confirmed that the customer is the principal, and the withdrawal means returns the transfer money to the customer.

  In addition, an operation unit that accepts input of transfer information consisting of an account number and transfer amount of a bank to be transferred by a customer operation, a principal confirmation information input unit that inputs customer identification information, and a transfer information input by the operation unit The identity verification information of the customer who has been read is read by the identity verification information input means, the form issuing means for issuing the transfer request form in which the identity verification information and the input transfer information are printed, and the identity verification information printed on the transfer request form The form reading means for reading the transfer information and the transfer information printed on the transfer request form received from the customer are read, and the transfer information is sent to the transfer processing means together with the transfer information for requesting the transfer process to the bank account. A transfer request receiving means, and when the transfer processing means cannot transfer to the bank account, the form reading means reads the transfer request form. The customer identification information is read by the identity verification information input means, and the identity confirmation information and the form reading means confirm the identity of the customer based on the identity confirmation information read from the transfer request form, A re-transfer request form is issued to the customer based on the transfer information re-input by the operation means.

  In this way, the present invention makes it possible to issue a re-transfer request form in which an automatic transaction apparatus installed in a store such as a convenience store returns a transfer money or corrects incorrect transfer destination information. It is possible to simplify the customer's procedure when there is an error in information.

  Embodiments of a bank transfer relay system according to the present invention will be described below with reference to the drawings.

FIG. 1 is a block diagram showing a configuration of a bank transfer relay system in the embodiment.
In FIG. 1, reference numeral 1 denotes an ATM (automatic transaction apparatus) of a transfer receiving bank that accepts a cash transfer at the request of a customer, and is installed in a convenience store or the like. This ATM 1 is communicably connected to the communication line 3 and is a card with a magnetic stripe or IC chip (cash card) in which account information such as the branch number, account item, and account number of an account opened by a customer at a financial institution is recorded. ) Insertion and customer input operations are accepted, transactions such as cash withdrawals, and customer information input are received and customer requests are issued. The configuration of ATM1 will be described later.

  Reference numeral 2 denotes a host computer as a transfer processing means, which is a storage means such as a control unit which is an arithmetic and control means such as a CPU (Central Processing Unit), a magnetic disk, a semiconductor memory, etc. The computer includes a storage unit and a communication unit as communication means, and is connected to other devices such as ATM 1 through the communication line 3 so as to be able to communicate with each other.

The host computer 2 transmits / receives a transaction message such as cash withdrawal to / from the ATM 1 to determine whether or not to establish the customer's transaction, and processes the transaction. Also, the transfer request message is transmitted from a POS terminal described later. Is received and the transfer process is performed.
In the present embodiment, the description will be made assuming that the ATM 1 and the host computer 2 are installed in a bank that accepts a transfer request by a customer.

  Reference numeral 4 denotes a POS (Point Of Sales) terminal as a transfer request receiving means, which is installed in a store such as a convenience store. This POS terminal 4 is a device which is issued by the ATM 1 and reads a bar code of a transfer request form brought by a customer, calculates a transfer amount including a transfer fee, and stores the transfer amount. Means, magnetic disk, storage means such as semiconductor memory, input means such as a barcode reader and keyboard, display means such as a liquid crystal display, printing means such as a printer, cash drawer, and communication line 3 Communication means for transmitting and receiving information between other devices is provided.

In this embodiment, it is assumed that the ATM 1 and the POS terminal 4 are installed in a store such as a convenience store as a transfer relay store. In addition, the transfer relay implementation store does not indicate one store, but indicates a plurality of stores where the bank transfer relay system is installed.
Reference numeral 5 denotes a transfer relay server, which is installed at the headquarters of a transfer relay execution store (convenience store or the like), etc., and is a control unit that is a calculation and control unit such as a CPU or MPU, a storage that is a storage unit such as a magnetic disk or a semiconductor memory And a communication unit that is a communication unit, and is connected to the POS terminal 4 and other devices such as the host computer 2 through the communication line 3 so that they can communicate with each other.

  Reference numeral 6 denotes a host computer of a transfer destination bank that is not affiliated with the transfer receiving bank, and performs transfer processing based on a transfer request issued by ATM1. Since this host computer 6 does not communicate directly with the host computer 2 of the transfer acceptance bank, it is not logically connected to the communication line 3. For this reason, the transfer bank operator performs an operation of inputting transfer information with a terminal device (not shown) based on the transfer request issued by the transfer receiving bank, and the host computer 6 performs transfer processing according to the transfer information. .

  In addition, the data format (so-called total transfer format) in which multiple transfer processes are performed at the convenience store side in a batch, the data is handed over to the bank, and the bank side re-matches the transfer request slip received from the data and convenience store. There is also a method (a method in which a transfer message is not manually created) or a method in which a bar code is read and a transfer message is automatically generated from the information.

As described above, the bank transfer relay system includes the ATM 1 and the host computer 2 of the transfer receiving bank, the POS terminal of the transfer relay executing store, the transfer relay server 5 and the like, and receives the transfer request for transferring the cash to the account of the transfer destination bank. Perform relay processing.
Next, the configuration of the ATM 1 will be described based on the appearance explanatory diagram of the ATM in the embodiment of FIG. 2 and the block diagram showing the configuration of the ATM in the embodiment of FIG.

  2 and 3, reference numeral 11 denotes a customer operation display unit, which includes an operation unit (operation unit) such as a touch panel and a display unit (display unit) such as a liquid crystal display. The customer operation display unit 11 has a touch panel arranged on a display unit such as a CRT display or a liquid crystal display so that the customer performs an input operation, etc. Also, the customer input for the transaction selection screen and the transaction selected by the customer A screen for guiding operations and the like, input information, and the like are displayed.

  Reference numeral 12 denotes a form unit as a form issuing unit and a form reading unit, which includes a form printing mechanism, a form transport mechanism, and a reading mechanism such as a barcode reader. The form unit 12 prints the transfer destination information such as the transfer destination bank, the transfer destination account number, and the transfer amount inputted in the customer operation display unit 11, and issues a form as a transfer request form from the form insertion / exit port 121. Can be done.

In addition, the form unit 12 can print on the form a transfer destination information and a barcode obtained by encoding the customer's biometric information read by the biometric information reading unit described later.
Further, the form unit 12 can read the barcode printed on the form inserted into the form insertion / exit port 121.
The form unit 12 may be configured so as to be able to read a barcode printed on a held form without being inserted into the form insertion / exit port 121.

  Reference numeral 13 denotes a deposit / withdrawal unit as depositing / dispensing means, which is composed of a banknote depositing / dispensing machine and a coin depositing / dispensing machine. The deposit / withdrawal unit 13 performs deposit / withdrawal processing of banknotes and coins associated with cash withdrawal transactions and cash deposit transactions. Here, the deposit processing is performed by counting the banknotes that the customer has put into the cash deposit / withdrawal slot 131 with a banknote depositing / dispensing machine and storing it in a safe, and counting the coins that have been put into the cash deposit / withdrawal slot 131 with a coin depositing / dispensing machine. It is to be stored in a safe. Withdrawal processing, banknotes and coins corresponding to the amount specified by the customer's operation are paid out from the banknote depositing / dispensing machine and coin depositing / dispensing machine safe, counted, and transferred to the cash deposit / withdrawal port 131 for payment to the customer. Is to put out.

In the present embodiment, the depositing / withdrawing unit that performs the depositing / withdrawing process will be described. However, the withdrawal unit may be a withdrawal unit that does not perform the depositing process.
Reference numeral 14 denotes a biometric information reading unit as personal identification information input means, which includes a finger scan sensor for reading a customer's fingerprint, a finger vein pattern, and a CCD (Charge Coupled Devices) for acquiring an image of the customer's iris and the like. It is comprised with the camera etc. which were equipped. The biometric information reading unit 14 acquires various types of biometric information such as a customer's iris, fingerprint, and finger vein pattern using a finger scan sensor, a camera, etc., and notifies the biometric information to a control unit described later.

Reference numeral 15 denotes a storage unit which is composed of a semiconductor memory, a magnetic disk, or the like, can store information, and can read the stored information. The storage unit 15 stores a control program (software) for controlling the operation of the entire ATM 1, screen data displayed on the customer operation display unit 11, information necessary for transactions performed by the customer, and the like.
Further, the storage unit 15 stores biometric information read by the biometric information reading unit 14 and various types of information received by the customer operation display unit 11.

  Reference numeral 16 denotes a control unit, which is composed of arithmetic and control means such as a CPU and MPU. The control unit 16 communicates with the host computer 2 and the like via the customer operation display unit 11, the form unit 12, the deposit / withdrawal unit 13, the biometric information reading unit 14, the storage unit 15, and the communication line 3 (not shown). The operation of the entire ATM 1 including the communication unit is controlled based on a control program (software) stored in the storage unit 15.

The ATM 1 includes a card reader unit (not shown) that reads account information such as an account branch number, account subject, and account number from a card inserted from a card insertion / ejection slot.
The operation of the above configuration will be described.
The operation of each unit described below is controlled by a control unit such as a central processing unit (not shown) based on a program (software) stored in a storage unit such as a memory or a magnetic disk (not shown).

First, the transfer relay process performed by the bank transfer relay system will be described according to the step represented by S in the flowchart of the transfer relay process in the embodiment of FIG.
In this example, it is assumed that the account of the transfer relay execution store is opened at the transfer receiving bank, and the transfer destination is from the transfer deposit of the account of the transfer relay execution store between the transfer reception bank and the transfer relay execution store. Suppose you have a contract that allows you to transfer money to a bank.

In addition, it is assumed that the customer makes a transfer to the bank account specified by the payee, and the transfer procedure is performed using the ATM 1 installed in the transfer relay store.
S1: The customer operation display unit 11 of the ATM 1 accepts pressing of the “transfer application” transaction selection button displayed on the transaction selection screen for selecting a transaction, and then the bank name, branch name, and recipient Accepts input of transfer information such as account name, payee account subject, payee account number, transfer requester name, transfer amount, requester emergency contact information, requester address.

Further, the ATM 1 reads the biometric information of the customer for performing identity verification by the biometric information reading unit 14. In the present embodiment, information for performing identity verification is described as biometric information. However, a personal identification number or the like may be input as customer identification information on the customer operation display unit 11.
S2: ATM1 issues to the customer a transfer request form on which a bar code or the like obtained by encoding the input transfer information and biometric information is printed. As shown in FIG. 7, this transfer request form is divided into, for example, a “bank copy”, a “store copy”, and a “client copy”, and the transfer is performed together with a bar code that encodes transfer information and biometric information on each piece of paper. The information is printed in characters.

S3: It is assumed that the customer hands over the transfer request issued at ATM1 to the store clerk of the transfer relay store, and the store clerk reads the received transfer request by the POS terminal 4.
The POS terminal 4 reads the bar code of the transfer request form with a bar code reader by the operation of the store clerk, and stores the read transfer information in the storage means.
S4: The POS terminal 4 extracts the transfer amount from the read barcode, displays the total amount of the transfer amount and the fee on the display means, and the store clerk receives cash corresponding to the total amount from the customer. The POS terminal 4 stores the cash deposited from the customer by the operation of the store clerk.

At this time, the store clerk receives the “bank copy” and the “store copy” of the transfer request form received from the customer, separates the “requester copy” and passes it to the customer to end the transfer request acceptance.
S5: The POS terminal 4 transmits the transfer information stored in the storage means to the transfer relay server 5.
S6: The transfer relay server 5 stores the received transfer information in the storage means.
S7: The POS terminal 4 generates a transfer request reception list in which the transfer information read from the transfer request form is received and totals the number of received cases, the total amount of transfer, and the total fee, and transfers the transfer request reception list. Send it to the headquarters of the relay store. In addition, the store clerk of the transfer relay implementation store that received the transfer request separates and stores the “store copy” of the transfer request form received from the customer. In addition, it shall be sent to the headquarters of the store where the transfer is conducted every day when the “bank copy” of the transfer request form is received.

S8: Every day when the operator at the headquarters of the transfer relay execution store operates the bar code reader such as a terminal (not shown) to read the bar code transfer information of the “ bank copy” of the transfer request form and receives the transfer information Are stored in the storage means of the transfer relay server 5. The transfer relay server 5 matches the received transfer information with the transfer information read from the transfer request document, and performs a matching process for confirming that there is no excess or deficiency.

The transfer relay server 5 that has performed the matching process transmits to the host computer 2 a request for the transfer together with the transfer information received from the POS terminal 4. Further, the operator at the headquarters of the transfer relay execution store sends the transfer request form and the “bank copy” of the transfer request form to the transfer receiving bank.
In addition, you may make it perform a matching process in the transfer relay implementation store, without providing the transfer relay server 5. FIG.

S9: It is assumed that the host computer 2 performs a transfer process to the transfer destination bank based on the received transfer information. In addition, the transfer acceptance bank shall withdraw the total amount of the transfer amount and the fee from the account of the transfer relay execution store as the transfer amount.
The transfer receiving bank sends cash (transfer money) corresponding to the total amount of the transfer amount and the fee and the transfer request form to the transfer destination bank and requests the transfer process.

In this way, the bank transfer relay system performs the transfer relay process, and transfers using the ATM of the transfer receiving bank.
In S9 of the transfer relay process described above, when the transfer process to the transfer destination bank cannot be performed based on the transfer information received by the host computer 2 of the transfer receiving bank (for example, when there is no corresponding transfer account or the recipient If the name is incorrect), return the cash deposited to the customer who requested the transfer or issue a retransfer request form.

The cash return process will be described in accordance with steps represented by S in the flowchart showing the cash return process in the embodiment of FIG.
S21: A customer who has received a notification from the bank that the transfer has not been made brings a “ requester's copy” of the transfer request form and can carry out transfer relay (a store where ATM1 that issued the transfer request form is installed) In other stores where the bank transfer relay system is installed, cash return processing is possible.)

  The customer operation display unit 11 of the ATM 1 accepts the press of the “deposit payment” transaction selection button displayed on the transaction selection screen for selecting a transaction by the customer's operation, and then inserts a transfer request form (reading a barcode, Alternatively, the management number printed on the request form shown in FIG. The form part 12 of the ATM 1 reads the transfer information and the biometric information from the barcode of the inserted transfer request form, and stores the transfer information and the biometric information in the storage unit 15.

S22: ATM1 reads the biometric information of the customer as the personal identification information by the biometric information reading unit 14, collates the biometric information with the biometric information stored in the storage unit 15, and confirms the identity of the customer. I do.
When the management number printed on the request form is input on the customer operation display unit 11, the customer operation display unit 11 as the personal identification information input means further inputs the personal identification number as the personal identification information, and the personal identification number. The identification may be performed by comparing the number with a personal identification number stored in advance in a database as storage means of the host computer 2.

S23: When the customer is confirmed to be the person himself / herself, the ATM 1 transmits a request for returning the transfer money to the host computer 2 together with the transfer information read from the transfer request form.
S24: The host computer 2 determines, based on the received transfer information, whether or not the transfer information cannot be transferred to the transfer destination bank, that is, whether or not the transfer money can be returned. Here, it is assumed that the host computer 2 searches a database (not shown) based on the management number of the transfer information to determine whether or not the transfer has not been made to the transfer destination bank.

S25: The host computer 2 transmits to the ATM 1 whether or not the transfer money can be returned.
S26: When ATM1 receives a notification that the deposit can be returned, the deposit / withdrawal unit 13 of ATM1 withdraws the cash corresponding to the total amount of the transfer amount and the fee recorded in the transfer information, and the customer To return cash. On the other hand, when the notification that the return is impossible is received, the customer operation display unit 11 displays that the deposited cash cannot be returned and notifies the customer.

Next, a process for issuing a retransfer request will be described according to a step represented by S in the flowchart of the retransfer process in the embodiment of FIG.
S31: It is assumed that the customer who has received a notification from the transfer bank that the transfer has not been made, goes to a store where transfer can be performed with a “ requester's copy” in the transfer request form.
The customer operation display unit 11 of the ATM 1 accepts pressing of the “re-transfer application” transaction selection button displayed on the transaction selection screen for selecting a transaction, and then accepts insertion of a transfer request form. The form part 12 of the ATM 1 reads the transfer information and the biometric information from the barcode of the inserted transfer request form, and stores the transfer information and the biometric information in the storage unit 15.

S32: ATM1 reads the biometric information of the customer as the personal information by the biometric information reading unit 14, collates the biometric information with the biometric information stored in the storage unit 15, and confirms the identity of the customer as to whether or not the customer is the identity. Do.
Here, the ATM 1 transmits to the host computer 2 a request for confirming whether or not the transfer information read from the transfer request form is that the transfer information could not be transferred. May be determined based on the received transfer information as to whether or not the transfer information has been unable to be transferred to the transfer destination bank.

S33: When the customer is confirmed to be the principal, ATM1 cannot perform the transfer process based on the transfer information read from the transfer request form, the bank name, branch name, payee account name, payee account. A subject, a payee account number, a transfer requester name, a transfer amount, a requester emergency contact address, a requester address, and the like are displayed on the customer operation display unit 11.
The customer confirms the displayed transfer information, and re-enters the wrong bank name, branch name, recipient account name, recipient account item, recipient account number, etc., and the customer operation display unit 11 Accepts input of transfer information for retransfer.

  S34: ATM1 issues to the customer a retransfer request form in which a bar code or the like obtained by encoding the input transfer information and biometric information is printed. As shown in FIG. 8, this re-transfer request form is divided into, for example, “bank copy”, “store copy”, and “client copy”, and a bar code that encodes transfer information and biometric information on each piece of paper. The retransfer information is printed in characters.

S35: It is assumed that the customer hands over the retransfer request document issued at ATM1 to the store clerk of the transfer relay execution store, and the store clerk reads the received retransfer request document with the POS terminal 4.
The POS terminal 4 reads the barcode of the re-transfer request form with the bar code reader by the operation of the store clerk, and stores the read transfer information in the storage means.
S36: The store clerk receives the “bank copy” and the “store copy” of the transfer request form received from the customer, separates the “client copy” and gives it to the customer, and ends the transfer request acceptance.

In this embodiment, it is assumed that there is no change in the transfer amount. However, when there is a change in the transfer amount, the POS terminal 4 extracts the transfer amount from the read barcode and sums the transfer amount and the fee. Is displayed on the display means, and the store clerk shall give and receive cash equivalent to the difference between the total amount and the previous transfer amount with the customer.
S37 to S41: Since they are the same as S5 to S9 in FIG.

In this way, the bank transfer relay system performs a retransfer process.
In this embodiment, in the transfer relay process, the presence or absence of the transfer account is confirmed based on the transfer information received by the host computer 2 of the transfer receiving bank (S9), but the ATM 1 inputs the transfer information. When accepted (S1), the presence or absence of the bank account may be referred to a database (not shown) in which the bank account has been registered in advance (in addition to database registration, a method for connecting to an integrated ATM as an existing technology) This method is already implemented by most financial institutions (some financial institutions are not yet implemented), and inquires the bank in advance of the correct combination of the account number and account name for the transfer information. Is). By doing so, it is possible to reduce the number of cases where transfer is impossible, and it is possible to reduce operations and work for the transfer impossible at the customer, the transfer receiving bank, and the transfer destination bank.

  In addition, when the ATM 1 receives the input of the transfer information by the operation of the customer (S1), the transfer card in which the input transfer requester name, transfer amount, requester emergency contact address, and requester address are recorded on a magnetic stripe or the like is stored. It may be issued. By using the issued transfer card, the customer can omit the input operation of the transfer requester name, the transfer amount, the requester emergency contact address, and the requester address. In addition, this transfer card shall be used also in ATM1 of the transfer reception bank installed other than the transfer relay implementation store.

Further, a bar code in which the transfer information is coded may be created by using a personal computer connected to a WEB server for creating the bar code via the Internet or the like, and the bar code may be read by ATM1. Thereby, the input of the transfer information at ATM 1 can be omitted.
Furthermore, the customer who requests the transfer does not need to have an account at the transfer receiving bank, and can make the transfer without going to the bank.

  As described above, in this embodiment, the bank name, branch name, account number, etc. of the transfer destination entered when making a transfer to the transfer destination bank using a cash ATM installed in a store such as a convenience store. If there is an error in the payee information such as the name of the payee, there is an error in the payee's address information by returning the transfer money or issuing a retransfer request form with the incorrect payee's information corrected by ATM. In this case, the customer procedure can be simplified.

Block diagram showing the configuration of the bank transfer relay system in the embodiment External appearance explanatory drawing of ATM in an Example The block diagram which shows the structure of ATM in an Example The flowchart which shows the transfer relay process in an Example The flowchart which shows the cash return process in an Example The flowchart which shows the retransfer process in an Example Explanatory drawing of the transfer request form in the example Explanatory drawing of retransfer request form in the example

Explanation of symbols

1 ATM
2 host computer 3 communication line 4 POS terminal 5 transfer relay server 11 customer operation display unit 12 form unit 13 deposit / withdrawal unit 14 biometric information reading unit 15 storage unit 16 control unit

Claims (18)

An operation means for accepting input of transfer information including at least the account number of the transfer destination bank and the transfer amount by the operation of the customer;
Identity verification information input means for inputting customer identification information;
A form issuing means for reading the identity verification information of the customer who entered the transfer information by the operation means by the identity verification information input means, and issuing a transfer request form in which the identity verification information and the input transfer information are printed,
A form reading means for reading the identity verification information and the transfer information printed on the transfer request form;
Withdrawing means to withdraw cash,
A transfer request receiving means for reading the transfer information printed on the transfer request form received from the customer and sending a transfer request to the transfer processing means together with the transfer information for requesting a transfer process to the account of the transfer destination bank;
If the transfer processing means could not transfer to the bank account of the transfer destination, the identity verification information input means for reading the customer's identity information that caused the form reading means to read the transfer request form, the identity verification Based on the information and the person confirmation information read by the form reading means from the transfer request form, the customer is confirmed to be the principal, and the withdrawal means returns the transfer money to the customer. Bank transfer relay system. In the bank transfer relay system according to claim 1,
The operation means, the identity verification information input means, the form issuing means, the form reading means and the withdrawal means are provided in an automatic transaction apparatus,
A bank transfer relay system, wherein the transfer request receiving means is provided in a POS terminal. An operation means for accepting input of transfer information including at least the account number of the transfer destination bank and the transfer amount by the operation of the customer;
Identity verification information input means for inputting customer identification information;
A form issuing means for reading the identity verification information of the customer who entered the transfer information by the operation means by the identity verification information input means, and issuing a transfer request form in which the identity verification information and the input transfer information are printed,
A form reading means for reading the identity verification information and the transfer information printed on the transfer request form;
A transfer request receiving means for reading the transfer information printed on the transfer request form received from the customer and sending a transfer request to the transfer processing means together with the transfer information for requesting a transfer process to the account of the transfer destination bank;
If the transfer processing means could not transfer to the bank account of the transfer destination, the identity verification information input means for reading the customer's identity information that caused the form reading means to read the transfer request form, the identity verification Confirm the identity of the customer based on the information and the identity confirmation information read from the transfer request form by the form reading means, and send the retransfer request form to the customer based on the transfer information re-input by the operating means. A bank transfer relay system characterized by being issued. In the bank transfer relay system according to claim 3,
The operation means, the identity verification information input means, the form issuing means and the form reading means are provided in an automatic transaction apparatus,
A bank transfer relay system, wherein the transfer request receiving means is provided in a POS terminal. In the bank transfer relay system according to claim 1 to claim 3 or claim 4,
A bank transfer relay system, wherein the personal identification information is biometric information. In the bank transfer relay system according to claim 1 to claim 4 or claim 5,
The bank transfer relay system, wherein the form issuing means prints on the transfer request form with a barcode obtained by encoding the personal identification information and the transfer information. An operation means for accepting input of transfer information including at least the account number of the transfer destination bank and the transfer amount by the operation of the customer;
A form issuing means for issuing a transfer request document in which the transfer information input by the operation means and a management number for identifying the transfer information are printed;
Identity verification information input means for accepting input of the management number and customer identity information;
Withdrawing means to withdraw cash,
A transfer request receiving means for reading the transfer information printed on the transfer request form received from the customer and sending a transfer request to the transfer processing means together with the transfer information for requesting a transfer process to the account of the transfer destination bank;
When the transfer processing unit cannot transfer to the bank account of the transfer destination, the management number and the verification information are received by the verification information input unit and stored in advance in association with the verification information and the management number. A bank transfer relay system characterized in that, based on the personal identification information stored in the means, it is confirmed that the customer is the principal, and the withdrawal means returns the transfer money to the customer. In the bank transfer relay system according to claim 7,
The operation means, the form issuing means, the identity verification information input means and the withdrawal means are provided in an automatic transaction apparatus,
A bank transfer relay system, wherein the transfer request receiving means is provided in a POS terminal. An operation means for accepting input of transfer information including at least the account number of the transfer destination bank and the transfer amount by the operation of the customer;
A form issuing means for issuing a transfer request document in which the transfer information input by the operation means and a management number for identifying the transfer information are printed;
Identity verification information input means for accepting input of the management number and customer identity information;
A transfer request receiving means for reading the transfer information printed on the transfer request form received from the customer and sending a transfer request to the transfer processing means together with the transfer information for requesting a transfer process to the account of the transfer destination bank;
When the transfer processing unit cannot transfer to the bank account of the transfer destination, the management number and the verification information are received by the verification information input unit and stored in advance in association with the verification information and the management number. Based on the identity verification information stored in the means, it is confirmed that the customer is the principal, and a retransfer request is issued to the customer based on the transfer information re-input by the operation means. Bank transfer relay system. In the bank transfer relay system according to claim 9,
The operation means, the form issuing means, and the identity verification information input means are provided in an automatic transaction apparatus,
A bank transfer relay system, wherein the transfer request receiving means is provided in a POS terminal. In the bank transfer relay system according to claim 7 to claim 9 or claim 10,
A bank transfer relay system characterized in that the form issuing means prints a transfer request form with a barcode obtained by encoding the transfer information. An operation means for accepting input of transfer information including at least the account number of the transfer destination bank and the transfer amount by the operation of the customer;
Identity verification information input means for inputting customer identification information;
A form issuing means for reading the identity verification information of the customer who entered the transfer information by the operation means by the identity verification information input means, and issuing a transfer request form in which the identity verification information and the input transfer information are printed,
A form reading means for reading the identity verification information and the transfer information printed on the transfer request form;
Withdrawing means to withdraw cash,
If the transfer information cannot be transferred to the bank account based on the transfer information, the customer's identity information read by the form reading means is read by the identity verification information input means, Based on the confirmation information and the person confirmation information read from the transfer request by the form reading means, the customer is confirmed to be the principal, and the withdrawal means returns the transfer money to the customer. Automatic transaction device. An operation means for accepting input of transfer information including at least the account number of the transfer destination bank and the transfer amount by the operation of the customer;
Identity verification information input means for inputting customer identification information;
A form issuing means for reading the identity verification information of the customer who entered the transfer information by the operation means by the identity verification information input means, and issuing a transfer request form in which the identity verification information and the input transfer information are printed,
Provide a form reading means for reading the identity verification information and transfer information printed on the transfer request form,
If the transfer information cannot be transferred to the bank account based on the transfer information, the customer's identity information read by the form reading means is read by the identity verification information input means, Based on the confirmation information and the person confirmation information read from the transfer request form by the form reading means, the customer is confirmed to be the principal, and the retransfer request form is sent to the customer based on the transfer information re-input by the operation means. An automatic transaction apparatus characterized by being issued to. In the automatic transaction apparatus according to claim 12 or claim 13,
An automatic transaction apparatus, wherein the personal identification information is biometric information. In the automatic transaction apparatus according to claim 12, claim 13, or claim 14,
An automatic transaction apparatus characterized in that the form issuing means prints on a transfer request form with a barcode obtained by encoding personal identification information and transfer information. An operation means for accepting input of transfer information including at least the account number of the transfer destination bank and the transfer amount by the operation of the customer;
A form issuing means for issuing a transfer request document in which the transfer information input by the operation means and a management number for identifying the transfer information are printed;
Identity verification information input means for accepting input of the management number and customer identity information;
Withdrawing means to withdraw cash,
If it is not possible to transfer to the bank account based on the transfer information, the identification number input means accepts the management number and the identification information, and associates the identification number with the management number in advance. An automatic transaction apparatus characterized by confirming that the customer is the principal based on the identity confirmation information stored in the storage means and allowing the withdrawal means to return the transfer money to the customer. An operation means for accepting input of transfer information including at least the account number of the transfer destination bank and the transfer amount by the operation of the customer;
A form issuing means for issuing a transfer request document in which the transfer information input by the operation means and a management number for identifying the transfer information are printed;
Providing identification information input means for receiving input of the management number and customer identification information;
If it is not possible to transfer to the bank account based on the transfer information, the identification number input means accepts the management number and the identification information, and associates the identification number with the management number in advance. Confirming that the customer is the principal based on the personal identification information stored in the storage means, and issuing a retransfer request form to the customer based on the transfer information re-input by the operation means. An automatic transaction device characterized. The automatic transaction apparatus according to claim 16 or claim 17,
An automatic transaction apparatus characterized in that the form issuing means prints a transfer request form with a barcode obtained by encoding the transfer information.

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