JP5248842B2 - Automatic transaction apparatus and automatic transaction system - Google Patents

Description

  The present invention relates to an automatic transaction apparatus and an automatic transaction system that are installed in a financial institution such as a bank and receive transactions of customers and perform transactions such as cash deposit, payment, and transfer.

Conventional automatic transaction devices and automatic transaction systems accept deposit operations and deposit transactions that deposit banknotes and coins inserted into the cash slot into their own accounts, cash payment transactions that withdraw cash from their own accounts, and others I do the transfer transaction that transfers cash to my account.
This transfer transaction includes a cash transfer transaction that transfers the input cash to another person's account and an inter-bank transfer transaction that transfers cash from your own account to another person's account. Can be accepted for cash transfer transactions or inter-account transfer transactions.

In addition, when accepting the pressing of a composite key that instructs to perform cash payment transaction or deposit transaction and transfer transaction in parallel, the cash payment transaction, deposit transaction and transfer transaction are performed in parallel, and the transaction time is reduced. Some are shortened (see, for example, Patent Document 1).
JP 61-39186 (3rd page, FIG. 4)

  However, in the conventional technology described above, if the financial institution does not handle the cash transfer transaction in consideration of the safety of the customer, the customer performs the deposit transaction in which the cash is deposited in his / her account, and then the cash is transferred to his / her account. There is a problem that an inter-account transfer transaction for moving from one account to another account must be performed, and the transaction time of the customer using the automatic transaction apparatus becomes long, and the operation rate of the automatic transaction apparatus decreases.

In addition, even if the deposit transaction and the transfer transaction are performed in parallel, if a transfer amount exceeding the account balance is entered, the transfer transaction cannot be performed, so it is necessary to perform the deposit transaction again. There is a problem that the time for the transaction performed by the automatic transaction apparatus becomes longer and the operation rate of the automatic transaction apparatus is lowered.
Furthermore, even if the withdrawal transaction and the transfer transaction are performed in parallel, if the total amount of the entered withdrawal amount and the amount of the transfer amount exceeds the account balance, the transfer transaction cannot be performed, so the deposit is made again. There is a problem that it is necessary to conduct transactions, and the time for transactions performed by the customer with the automatic transaction apparatus becomes long, and the operation rate of the automatic transaction apparatus decreases.

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

For this reason, the present invention provides an automatic transaction apparatus that accepts a customer's operation and performs a transaction, an input unit for inputting a transfer destination information for specifying a transfer destination account, and a transfer destination information input by the input unit. A customer operation unit that accepts an input of the transfer amount to be transferred to the transfer destination account and a withdrawal amount greater than the transfer amount, and a deposit / withdrawal that counts the amount of cash obtained by subtracting the transfer amount from the withdrawal amount and withdraws to the customer And withdrawing the withdrawal transaction for subtracting the withdrawal amount from the customer's account based on the virtual cash equivalent to the withdrawal amount without paying cash to the customer, Cash of the amount obtained by subtracting the transfer amount from the withdrawal amount after performing a transfer transaction based on the transfer destination information input at the input unit and the transfer amount input at the customer operation unit. The above Gold unit is characterized in that the dispensing.

  The present invention as described above can shorten the transaction time that the customer performs with the automatic transaction apparatus, and the effect that the operating rate of the automatic transaction apparatus can be improved is obtained.

  Embodiments of an automatic transaction apparatus and an automatic transaction 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 an automatic transaction apparatus and an automatic transaction system in the first embodiment.
In FIG. 1, reference numeral 1 denotes an automatic transaction apparatus, which is installed at a store of a financial institution such as a bank or a store such as a convenience store, an airport, a station, or the like. This automatic transaction apparatus 1 accepts a customer's operation, receives a transaction permission from a higher-level apparatus, which will be described later, connected to be communicable via the communication line 4, and performs transactions such as cash withdrawal, cash deposit, and cash transfer. Is. The details of the automatic transaction apparatus 1 will be described later.

  Reference numeral 2 denotes an own bank host computer as a host device of the automatic transaction apparatus 1, which is installed in a business center or the like of a bank or other financial institution (hereinafter referred to as "own bank") that owns the automatic transaction apparatus 1 described above. Is. The own bank host computer 2 is a control unit that is a calculation and control unit such as a CPU (Central Processing Unit) or an MPU (Micro Processing Unit), a storage unit that is a storage unit such as a magnetic disk or a semiconductor memory, and a communication that is a communication unit. Are connected to the automatic transaction apparatus 1 and the like via the communication line 4 so that they can communicate with each other.

In addition, the own bank host computer 2 sends and receives transaction messages such as cash withdrawals and cash deposits to and from the automatic transaction apparatus 1 to determine whether or not to establish a customer transaction and to process the transaction. . Further, the identity verification is performed to determine whether or not the user is the principal by using the customer account number and the customer PIN.
Reference numeral 3 denotes a transfer destination bank host computer as a host device of the automatic transaction apparatus 1, and a financial institution such as a bank (hereinafter referred to as “other bank”) different from the financial institution that owns the automatic transaction apparatus 1 and the own bank host computer 2 )) At the office center. This transfer destination bank host computer 3 also includes a control unit that is a calculation and control unit such as a CPU and MPU, a storage unit that is a storage unit such as a magnetic disk and a semiconductor memory, and a communication unit that is a communication unit. Via the line 4, it is connected so as to be communicable with the own bank or the automatic transaction apparatus 1 of other banks.

In addition, the transfer destination bank host computer 3 transmits / receives a transaction message such as a cash transfer to / from the automatic transaction apparatus 1 of its own bank or another bank to determine whether or not to establish a customer transaction and Process.
As described above, the automatic transaction system includes the automatic transaction apparatus 1, the own bank host computer 2, the transfer destination bank host computer 3, and the communication line 4 that connects them so that they can communicate with each other. It is assumed that the computer 2 is installed in the A bank and the transfer destination bank host computer 3 is installed in the B bank.

The own bank host computer 2 is usually referred to as a “host computer”. However, in this embodiment, the own bank host computer 2 is referred to as a “own bank host computer” in order to distinguish it from the transfer destination bank host computer 3.
Next, the configuration of the automatic transaction apparatus 1 will be described.
Reference numeral 11 denotes a customer operation display unit as an input unit, which includes an operation unit such as a touch panel and a display unit such as a liquid crystal display. The customer operation display unit 11 is a touch panel arranged on a display unit such as a CRT display or a liquid crystal display to detect an input operation performed by the customer. The screen for guiding the input operation and the like, and the input information and the like are displayed.

The input operation detected by the customer operation display unit 11 is notified by outputting a signal to a control unit described later.
A card unit 12 as an input unit includes a card reading / writing mechanism, a card transport mechanism, and the like. The card unit 12 can read information recorded on the magnetic stripe of the card inserted into the card insertion / return slot by the operation of the customer, and can record arbitrary information.

Further, the card insertion / return slot is provided with a mechanism for detecting insertion of a card and a mechanism for detecting receipt of the card, and the card whose information has been read or written is discharged from the card insertion / return slot and returned to the customer. Be able to.
Further, the card unit 12 includes a statement slip transport mechanism and a statement slip printing mechanism, and prints transaction details and the like performed by a customer operation on the statement slip by the statement slip printing mechanism, and the statement slip by the statement slip transport mechanism. It can be discharged from the outlet and issued to customers.

It is assumed that account information for identifying an account held by a customer such as an account number is recorded on the magnetic stripe of the card.
Reference numeral 13 denotes a deposit / withdrawal unit, which is composed of a banknote deposit / withdrawal machine and a coin deposit / withdrawal 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 means that the banknotes that the customer puts in the deposit / withdrawal slot are counted by the banknote depositing / dispensing machine and stored in the safe, and the coins that have been put into the deposit / withdrawal slot are counted by the coin depositing / dispensing machine and stored in the safe. That is. Withdrawal processing, banknotes and coins corresponding to the amount specified by the customer's operation are paid out from the banknote deposit / withdrawal machine and coin depositing / dispensing machine safe, counted, and delivered to the deposit / withdrawal port. It is.

The deposit / withdrawal port is provided with a mechanism for detecting inserted banknotes and coins, and a mechanism for detecting receipt of conveyed banknotes and coins.
In addition, the depositing / withdrawing part 13 is not restricted to what was comprised with the banknote depositing / withdrawing machine and the coin depositing / withdrawing machine, and may be comprised only with the banknote depositing / withdrawing machine.
Reference numeral 14 denotes a storage unit which is configured by a semiconductor memory, a magnetic disk or the like, stores information, and can read the stored information. The storage unit 14 stores a control program (software) for controlling the overall operation of the automatic transaction apparatus 1, screen data displayed on the customer operation display unit 11, information necessary for transactions performed by the customer, and the like.

  Reference numeral 15 denotes a control unit, which is composed of arithmetic and control means such as a CPU. The control unit 15 controls communication between the customer operation display unit 11, the card unit 12, the deposit / withdrawal unit 13, the storage unit 14, and the own bank host computer 2, the transfer destination bank host computer 3, and the like (not shown). The operation of the entire automatic transaction apparatus 1 including the unit is controlled based on a control program (software) stored in the storage unit 14.

  As described above, the automatic transaction apparatus 1 includes the customer operation display unit 11, the card unit 12, the deposit / withdrawal unit 13, the storage unit 14, the control unit 15, the communication unit, and the like. A transaction permission can be received from the own bank host computer 2 or the transfer destination bank host computer 3, and transactions such as cash withdrawal, cash deposit, and cash transfer can be performed.

The operation of the above configuration will be described.
First, a process for performing a deposit transaction and a transfer transaction in parallel will be described according to a step represented by S in the flowchart of the deposit / transfer transaction process in the first embodiment of FIG.
The operation of each unit described in the following embodiments 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).

  S1a: When the approach of the customer is detected by the proximity sensor of the automatic transaction apparatus 1 (not shown), the customer operation display unit 11 displays a card insertion guidance screen that prompts the customer to insert a card according to an instruction from the control unit 15 of the automatic transaction apparatus 1. The customer inserts the possessed card from the card insertion outlet of the card unit 12 according to the card insertion guidance screen. The card unit 12 reads account information such as an account number from the magnetic stripe of the inserted card.

S2a: When the card is inserted, the customer operation display unit 11 displays a password input screen for accepting the input of the customer password. On the password input screen, operation buttons including “1” to “9” and “0” buttons are displayed. When the customer operation display unit 11 displays the password input screen, the customer presses the displayed operation button and inputs the password.
When the customer inputs the password, the control unit 15 transmits the password to the own bank host computer 2 through the communication line 4 together with the account information read from the card.

The own bank host computer 2 searches a customer database (not shown) based on the received account information such as the account number of the customer, extracts a code number, and compares it with the received code number. Authenticate yourself. The own bank host computer 2 transmits the result to the automatic transaction apparatus 1 via the communication unit.
The personal authentication is not limited to using a personal identification number, and may be personal authentication using biometric authentication or the like.

S3a: As a result of the identity authentication, if the identity can be confirmed, the customer operation display unit 11 displays a normal transaction selection screen according to an instruction from the control unit 15. This transaction selection screen has a message such as “Come on. Please select a transaction.” And transaction selection buttons such as “Drawer”, “Transfer”, “Deposit”, “Deposit / Transfer” It is composed of
When the transaction selection screen is displayed on the customer operation display unit 11, the customer presses a “deposit / transfer” button for performing a deposit transaction and a transfer transaction in parallel.

S4a: The deposit / withdrawal unit 13 starts deposit processing in response to an instruction from the control unit 15 that detects that the “deposit / transfer” button has been pressed, opens the deposit / withdrawal port, waits for the insertion of cash, and the customer Put cash into the mouth.
S5a: When the insertion of cash is detected, the deposit / withdrawal unit 13 performs deposit processing, counts the inserted cash, and calculates the total amount of cash that is the amount of the cash.

S6a: On the other hand, during the cash counting operation performed by the deposit / withdrawal unit 13, the customer operation display unit 11 uses the instruction from the control unit 15 to specify the bank account of the transfer destination, such as the financial institution of the transfer destination and the account number of the transfer destination. Accepts input of bank transfer information.
S7a: Further, the customer operation display unit 11 receives an input of the transfer amount according to an instruction from the control unit 15.

S8a: When the counting of the inserted cash and the transfer destination information by the operation of the customer and the input of the transfer amount are completed, the customer operation display unit 11 in accordance with an instruction from the control unit 15 counts the total amount of the input cash, the input transfer amount, In addition, the deposit amount calculated by subtracting the transfer amount from the total cash input is displayed.
The customer confirms the displayed total amount of input cash, the amount of money to be transferred, and the amount of money received, and presses the “confirm” button, and the customer operation display unit 11 accepts the press of the “confirm” button.

Here, if the input transfer amount exceeds the total amount of cash input, the customer operation display unit 11 displays that fact and accepts the input of the transfer amount again. In other words, it is effective to input a transfer amount equal to or less than the total amount of input cash.
S <b> 9 a: Upon receipt of the “Confirm” button, the control unit 15 transmits a transfer request information and a transfer amount notification to the transfer destination bank host computer 3 together with the input transfer destination information and transfer amount.

  The transfer destination bank host computer 3 performs a transfer transaction process based on the received transfer destination information and transfer amount, and transmits the result to the automatic transaction apparatus 1. In this embodiment, it is assumed that the transfer transaction process performed by the transfer destination bank host computer 3 is normally completed, and a notification that the transfer transaction process is normally completed is transmitted to the automatic transaction apparatus 1. If the transfer transaction process does not end normally due to an error in the transfer account number or the like, a notification to that effect is transmitted to the automatic transaction apparatus 1, and the customer operation display unit 11 is instructed by the control unit 15 of the automatic transaction apparatus 1. An indication that the transfer transaction process has not been completed normally is displayed, and an operation to cancel the transaction is accepted.

S10a: The control unit 15 of the automatic transaction apparatus 1 that has received the notification that the transfer process has been completed normally requests the customer's account to deposit the deposit amount together with the deposit amount calculated in S8a and the account information read from the card. The notification is transmitted to the own bank host computer 2.
The own bank host computer 2 performs a deposit processing transaction for updating the amount of the customer's account based on the received deposit amount and account information, and transmits the result to the automatic transaction apparatus 1.

  In the present embodiment, the own bank host computer 2 is requested to deposit the deposit amount calculated in S8a. Then, a transfer request information and a transfer amount and a notification requesting the transfer may be transmitted to the transfer destination bank host computer 3 to perform an inter-account transfer transaction. At this time, it is assumed that the amount corresponding to the transfer amount is withdrawn from the customer's account.

S11a: In response to an instruction from the control unit 15 of the automatic transaction apparatus 1, the customer operation display unit 11 displays the received payment transaction processing result, and the card unit 12 returns the inserted card to the customer.
Next, the process of performing the withdrawal transaction and the transfer transaction in parallel will be described according to the step represented by S in the flowchart showing the withdrawal / transfer transaction process in the first embodiment of FIG.
S1b and S2b: Since they are the same as S1a and S2a in FIG.

S3b: As a result of the identity authentication, if the identity is confirmed, the customer operation display unit 11 displays a normal transaction selection screen according to an instruction from the control unit 15. This transaction selection screen has a message such as “Come on. Please select a transaction.” And transaction selection buttons such as “Drawer”, “Transfer”, “Deposit”, “Drawer / Transfer” It is composed of
When the transaction selection screen is displayed on the customer operation display unit 11, the customer presses a “draw / transfer” button for performing a withdrawal transaction and a transfer transaction in parallel.

S4b: In response to an instruction from the control unit 15 that detects the pressing of the “withdraw / transfer” button, the customer operation display unit 11 accepts input of transfer destination information such as a transfer destination financial institution and a transfer destination account number.
S5b: Further, in accordance with an instruction from the control unit 15, the customer operation display unit 11 is a transfer amount that is the amount to be transferred to the account indicated by the transfer destination information and a cash amount that the customer withdraws from his / her own account. Accepts input of withdrawal amount.

S6b: Upon receiving input of the transfer amount and the withdrawal amount, the control unit 15 sends a notification requesting to subtract the withdrawal amount from the customer's account together with the withdrawal amount and the account information read from the card. Send to.
The own bank host computer 2 performs a withdrawal transaction process for subtracting the withdrawal amount received from the customer account indicated by the received account information, and transmits the result to the automatic transaction apparatus 1. At this time, cash is not yet paid to the customer, and a state in which virtual cash corresponding to the withdrawal amount exists in the automatic transaction apparatus 1 is created.

  In this embodiment, it is assumed that the withdrawal transaction process performed by the own bank host computer 2 ends normally, and a notification that the withdrawal transaction process ends normally is transmitted to the automatic transaction apparatus 1. If the withdrawal transaction process does not end normally due to an insufficient account balance, a notification to that effect is sent to the automatic transaction apparatus 1, and the customer operation display unit 11 is instructed by the control unit 15 of the automatic transaction apparatus 1. An indication that the transfer transaction process has not been completed normally is displayed, and an operation to cancel the transaction is accepted.

S7b: Next, the control unit 15 transmits to the transfer destination bank host computer 3 a request for transfer together with the input transfer destination information and transfer amount.
The transfer destination bank host computer 3 is based on the received transfer destination information and the transfer amount, that is, the transfer destination indicated by the transfer destination information is the cash corresponding to the input transfer amount among the virtual cash created by the automatic transaction apparatus 1. The transfer transaction process to transfer to the account is performed, and the result is transmitted to the automatic transaction apparatus 1.

S8b: The control unit 15 of the automatic transaction apparatus 1 that has received the result of the transfer transaction processing performed by the transfer destination bank host computer 3 subtracts the transfer amount from the withdrawal amount, and according to an instruction from the control unit 15, the deposit / withdrawal unit 13 Cash withdrawal corresponding to the amount is processed.
S9b: The customer receives the cash paid by the deposit / withdrawal unit 13 from the deposit / withdrawal port.
S10b: Upon receipt of cash, the card unit 12 returns the inserted card to the customer according to an instruction from the control unit 15.

In the present embodiment, the automatic transaction apparatus 1 has been described as an example in which the transfer request information and the transfer amount are sent directly to the transfer destination bank host computer 3 along with the transfer destination information and the transfer amount. Then, it may be transmitted to the transfer destination bank host computer 3.
As described above, in the first embodiment, a deposit transaction is performed based on the transfer destination information input in the input unit and the transfer amount input in the customer operation unit, and the transfer amount is subtracted from the total amount of input cash. By performing the deposit transaction of the amount of money, it is possible to shorten the transaction time that the customer performs with the automatic transaction apparatus, and to obtain an effect that the operating rate of the automatic transaction apparatus can be improved.

  In addition, we made a transfer transaction based on the transfer destination information input in the input unit and the transfer amount input in the customer operation unit, and performed cash withdrawal processing of the amount obtained by subtracting the transfer amount from the withdrawal amount Thus, it is possible to shorten the transaction time that the customer performs with the automatic transaction apparatus, and to obtain an effect that the operation rate of the automatic transaction apparatus can be improved.

Unlike the configuration of the first embodiment, the configuration of the second embodiment differs from the configuration of the first embodiment in that the own bank host computer 2 is provided with a transfer destination database. The automatic transaction in the second embodiment of FIG. It demonstrates based on the block diagram which shows the structure of an apparatus and an automatic transaction system.
Note that parts similar to those of the first embodiment described above are denoted by the same reference numerals and description thereof is omitted.

In FIG. 4, reference numeral 21 denotes a transfer destination database, which is provided in the storage unit of the own bank host computer 2.
This transfer destination database 21 stores transfer destination information such as a transfer destination financial institution and a transfer destination account number in association with account information for identifying an account held by a customer such as an account number. Therefore, a customer who uses the bank can register bank transfer information in advance.

The operation of the above configuration will be described.
First, the process of performing the deposit transaction and the transfer transaction in parallel will be described according to the step represented by S in the flowchart of the deposit / transfer transaction process in the second embodiment of FIG.
S1c to S3c: Since they are the same as S1a to S3a in FIG.
S4c: The control unit 15 that has detected the pressing of the “deposit / transfer” button sends a notification requesting acquisition of the bank transfer destination information registered in the bank transfer destination database 21 together with the account information read from the card. Send to.

The own bank host computer 2 searches the transfer destination database 21 based on the received account information, extracts the registered transfer destination information, and transmits the transfer destination information to the automatic transaction apparatus 1. In addition, when the registered transfer destination information does not exist, the own bank host computer 2 shall transmit the fact to the automatic transaction apparatus 1.
S5c: Next, the deposit / withdrawal unit 13 starts deposit processing according to an instruction from the control unit 15 of the automatic transaction apparatus 1, opens the deposit / withdrawal port, waits for the cash to be inserted, and the customer pays cash to the deposit / withdrawal port. throw into.

S6c: When the insertion of cash is detected, the deposit / withdrawal unit 13 performs deposit processing, counts the inserted cash, and calculates the total amount of cash that is the cash amount.
S7c: On the other hand, during the cash counting operation performed by the deposit / withdrawal unit 13, the control unit 15 determines whether or not the transfer destination information has been received from the own bank host computer 2, and can receive the transfer destination information. If it is possible, the process proceeds to S8c, and if the transfer destination information cannot be received, that is, if it is received that there is no transfer destination information, the process proceeds to S9c.

S8c: In response to an instruction from the control unit 15 of the automatic transaction apparatus 1 that has received the transfer destination information, the customer operation display unit 11 makes a pre-registered transfer destination such as a transfer destination financial institution name and a transfer destination account number based on the received transfer destination information. Display a list of
It is assumed that the customer selects a transfer destination to transfer cash in this transaction from the displayed list of transfer destinations, and the customer operation display unit 11 receives the selection and receives an input of the transfer amount, and the process proceeds to S12c.

S9c: When the transfer destination information cannot be received, the customer operation display unit 11 inputs the transfer destination information such as the transfer destination financial institution and the transfer destination account number in response to an instruction from the control unit 15 of the automatic transaction apparatus 1. Accept.
S10c: Further, the customer operation display unit 11 receives an input of the transfer amount according to an instruction from the control unit 15.

S11c: The control unit 15 sends to the own bank host computer 2 a request for registration of the transfer destination information together with the input information of the transfer destination financial institution, the transfer destination information such as the account number of the transfer destination and the account information read from the card. Send.
Upon receiving the request, the own bank host computer 2 stores and registers the transfer destination information received in association with the received account information in the transfer destination database 21.

S12c to S15c: The same as S8a to S11a in FIG.
Next, the process of performing the withdrawal transaction and the transfer transaction in parallel will be described according to the step represented by S in the flowchart showing the withdrawal / transfer transaction process in the second embodiment of FIG.
S1d to S3d: Since they are the same as S1b to S3b in FIG.

S4d: The control unit 15 that has detected the depression of the “withdrawal / transfer” button sends a notification requesting acquisition of the transfer destination information registered in the transfer destination database 21 together with the account information read from the card 2 to the own bank host computer 2 Send to.
The own bank host computer 2 searches the transfer destination database 21 based on the received account information, extracts the registered transfer destination information, and transmits the transfer destination information to the automatic transaction apparatus 1. In addition, when the registered transfer destination information does not exist, the own bank host computer 2 shall transmit the fact to the automatic transaction apparatus 1.

S5d: Next, the control unit 15 determines whether or not the transfer destination information can be received from the own bank host computer 2, and if the transfer destination information can be received, the process proceeds to S6d. If the transfer destination information cannot be received, that is, if it is received that there is no transfer destination information, the process proceeds to S8d.
S6d: In response to an instruction from the control unit 15 of the automatic transaction apparatus 1 that has received the transfer destination information, the customer operation display unit 11 makes a pre-registered transfer destination such as a transfer destination financial institution name and a transfer destination account number based on the received transfer destination information. Display a list of

It is assumed that the customer selects a transfer destination to transfer cash in the transaction from the displayed list of transfer destinations, and the customer operation display unit 11 receives the selection and receives an input of the transfer amount.
S7d: Furthermore, the customer operation display unit 11 receives an input of a withdrawal amount that is equal to or greater than the transfer amount, and the process proceeds to S11d.

S8d: When the transfer destination information cannot be received, the customer operation display unit 11 inputs the transfer destination information such as the transfer destination financial institution and the transfer destination account number in response to an instruction from the control unit 15 of the automatic transaction apparatus 1. Accept.
S9d: Further, according to the instruction from the control unit 15, the customer operation display unit 11 is the transfer amount that is the amount to be transferred to the account indicated by the transfer destination information and the amount of cash that the customer withdraws from his / her own account, and more than the input transfer amount Accepts input of withdrawal amount.

S10d: The control unit 15 sends to the own bank host computer 2 a request for registration of the transfer destination information together with the input information of the transfer destination financial institution, the transfer destination information such as the account number of the transfer destination and the account information read from the card. Send.
Upon receiving the request, the own bank host computer 2 stores and registers the transfer destination information received in association with the received account information in the transfer destination database 21.

S11d to S15d: Since they are the same as S6b to S10b in FIG.
In the present embodiment, the automatic transaction apparatus 1 has been described as an example in which the transfer request information and the transfer amount are sent directly to the transfer destination bank host computer 3 along with the transfer destination information and the transfer amount. Then, it may be transmitted to the transfer destination bank host computer 3.

  As described above, in the second embodiment, in addition to the effects of the first embodiment, the transfer destination information is registered in the transfer destination database 21 of the own bank host computer 2, so that the transfer destination by the customer can be obtained. Information input operations can be reduced, and the occupation time of the automatic transaction apparatus 1 per customer can be reduced.

Since the configuration of the third embodiment is different from the configuration of the first embodiment in that an IC chip reader / writer mechanism is provided in the card unit 12, the configuration of the card unit 12 will be described below and described above. Portions similar to those in the first embodiment are denoted by the same reference numerals and description thereof is omitted.
The card unit 12 of the automatic transaction apparatus 1 includes a card reading / writing mechanism, a card transport mechanism, and the like. In addition, this card read / write mechanism is composed of an IC card read / write unit and a magnetic card read / write unit, and the IC card read / write unit is inserted into the card insertion / return slot by the operation of the customer (in the case of a contact type IC card), Alternatively, it can read information from the IC chip (memory element) of the IC card by moving it closer to the read / write surface (in the case of a non-contact type IC card), and can store arbitrary information. Thus, it is possible to read information recorded from the magnetic stripe of the card inserted into the card insertion / return slot and record arbitrary information.

The card insertion / return slot is provided with a mechanism for detecting insertion of a card and a mechanism for detecting receipt of the card, and the card whose information has been read or written is discharged from the card insertion / return slot and returned to the customer. Be able to.
Further, the card unit 12 includes a statement slip transport mechanism and a statement slip printing mechanism, and prints the transaction contents, etc., performed by the customer's operation on the statement slip by the statement slip printing mechanism, and the statement slip by the statement slip transport mechanism. It can be discharged from the outlet and issued to customers.

Note that the IC chip of the card records account information such as an account number for identifying an account held by the customer, and bank information such as a bank account for transfer and an account number for the transfer destination. The card unit 12 may be configured not to include a magnetic card read / write unit.
The operation of the above configuration will be described.
In the following description, a contact IC card is used.

First, a process for performing a deposit transaction and a transfer transaction in parallel will be described according to a step represented by S in the flowchart of the deposit / transfer transaction process in the third embodiment of FIG.
S1e: When the approach of the customer is detected by the proximity sensor of the automatic transaction apparatus 1 (not shown), the customer operation display unit 11 displays a card insertion guidance screen that prompts the customer to insert a card according to an instruction from the control unit 15 of the automatic transaction apparatus 1. The customer inserts the possessed card from the card insertion outlet of the card unit 12 according to the card insertion guidance screen. The card unit 12 reads account information such as an account number from the IC chip or magnetic stripe of the inserted card.

S2e: Further, the card unit 12 reads the transfer destination information from the IC chip of the card.
Thus, by reading the transfer destination information from the IC chip of the card, the automatic transaction apparatus 1 can acquire the transfer destination information in a short time.
S3e, S4e: Since they are the same as S2c and S3c in FIG.
S5e, S6e: The same as S5c, S6c in FIG.

S7e: On the other hand, during the cash counting operation performed by the deposit / withdrawal unit 13, the control unit 15 determines whether or not the transfer destination information can be read from the IC chip of the card, and the transfer destination information can be read. The process proceeds to S8e, and when the transfer destination information cannot be read, that is, when there is no transfer destination information, the process proceeds to S9e.
S8e: In response to an instruction from the control unit 15 of the automatic transaction apparatus 1 that has read the bank transfer information, the customer operation display unit 11 is registered in advance with a bank account name, bank account number, and the like based on the received bank account information. Display a list of

It is assumed that the customer selects a transfer destination to transfer cash in the transaction from the displayed list of transfer destinations, and the customer operation display unit 11 receives the selection and receives an input of the transfer amount, and the process proceeds to S12e.
S9e: When the transfer destination information cannot be read, the customer operation display unit 11 inputs the transfer destination information such as the transfer destination financial institution and the transfer destination account number according to the instruction of the control unit 15 of the automatic transaction apparatus 1. Accept.

S10e: Further, the customer operation display unit 11 receives an input of the transfer amount in accordance with an instruction from the control unit 15.
S11e: In response to an instruction from the control unit 15, the card unit 12 writes the transfer destination information such as the input financial institution and the account number of the transfer destination into the IC chip of the card, and registers the transfer destination information.

S12e to S15e: Since they are the same as S8a to S11a in FIG.
Next, the process of performing the withdrawal transaction and the transfer transaction in parallel will be described according to the step represented by S in the flowchart showing the withdrawal / transfer transaction process in the third embodiment of FIG.
S1f: When the approach of the customer is detected by a proximity sensor of the automatic transaction apparatus 1 (not shown), the customer operation display unit 11 displays a card insertion guidance screen that prompts the customer to insert a card according to an instruction from the control unit 15 of the automatic transaction apparatus 1. The customer inserts the possessed card from the card insertion outlet of the card unit 12 according to the card insertion guidance screen. The card unit 12 reads account information such as an account number from the IC chip or magnetic stripe of the inserted card.

S2f: Further, the card unit 12 reads the transfer destination information from the IC chip of the card.
S3f, S4f: Since they are the same as S2d and S3d in FIG.
S5f: Next, the control unit 15 determines whether or not the transfer destination information can be read from the IC chip of the card. If the transfer destination information can be read, the process proceeds to S6f, and the transfer destination information is transferred. Is not able to be read, that is, when there is no transfer destination information, the process proceeds to S8f.

S6f: In response to an instruction from the control unit 15 of the automatic transaction apparatus 1 that has read the transfer destination information, the customer operation display unit 11 is registered in advance with a transfer destination financial institution name, a transfer destination account number, etc. based on the received transfer destination information. Display a list of
It is assumed that the customer selects a transfer destination to transfer cash in the transaction from the displayed list of transfer destinations, and the customer operation display unit 11 receives the selection and receives an input of the transfer amount.

S7f: Further, the customer operation display unit 11 receives an input of a withdrawal amount that is equal to or greater than the transfer amount, and the process proceeds to S11f.
S8f: When the transfer destination information cannot be read, the customer operation display unit 11 inputs the transfer destination information such as the transfer destination financial institution and the transfer destination account number according to the instruction of the control unit 15 of the automatic transaction apparatus 1. Accept.

S9f: Further, in accordance with an instruction from the control unit 15, the customer operation display unit 11 is a transfer amount that is the amount to be transferred to the account indicated by the transfer destination information and a cash amount that the customer withdraws from his / her own account. Accepts input of withdrawal amount.
S10f: In response to an instruction from the control unit 15, the card unit 12 writes the input bank account information such as the bank account and bank account number to the IC chip of the card and registers the bank information.

S11f to S15f: Same as S6b to S10b in FIG.
In the present embodiment, the automatic transaction apparatus 1 has been described as an example in which the transfer request information and the transfer amount are sent directly to the transfer destination bank host computer 3 along with the transfer destination information and the transfer amount. Then, it may be transmitted to the transfer destination bank host computer 3.

As described above, in the third embodiment, in addition to the effects of the first embodiment and the second embodiment, since the transfer destination information is read from the IC chip of the card, the transaction performed by the customer is performed. The effect that time can be further shortened is acquired.
Moreover, the effect that the change of the structure of an automatic transaction system can be suppressed to the minimum is acquired.

  In each embodiment, the automatic transaction apparatus 1, the own bank host computer 2 and the transfer destination bank host computer 3 communicate with each other. However, both the transfer source account and the transfer destination account are stored in the own bank host computer 2. When it exists, the structure which communicates with the automatic transaction apparatus 1 and the own bank host computer 2 may be sufficient.

The block diagram which shows the structure of the automatic transaction apparatus and automatic transaction system in a 1st Example. Flowchart showing deposit / transfer transaction processing in the first embodiment Flowchart showing a withdrawal / transfer transaction process in the first embodiment The block diagram which shows the structure of the automatic transaction apparatus and automatic transaction system in 2nd Example. The flowchart which shows the payment and transfer transaction processing in the 2nd example Flowchart showing withdrawal / transfer transaction processing in the second embodiment The flowchart which shows the payment and transfer transaction processing in the 3rd example Flowchart showing withdrawal / transfer transaction processing in the third embodiment

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Automatic transaction apparatus 2 Own bank host computer 3 Transfer bank host computer 4 Communication line 11 Customer operation display part 12 Card part 13 Deposit / withdrawal part 14 Storage part 15 Control part

Claims (5)

In an automatic transaction device that accepts customer operations and conducts transactions,
An input section for entering the bank information for identifying the bank account,
A customer operation unit that accepts an input of a transfer amount to be transferred to a transfer destination account indicated by the transfer destination information input in the input unit and a withdrawal amount equal to or greater than the transfer amount;
A deposit / withdrawal unit that counts the amount of cash obtained by subtracting the transfer amount from the withdrawal amount and withdraws to the customer;
Based on the virtual cash corresponding to the withdrawal amount without paying cash to the customer, the withdrawal transaction for subtracting the withdrawal amount from the customer's account is terminated, and then the virtual cash After performing the transfer transaction based on the transfer destination information input in the input unit and the transfer amount input in the customer operation unit, the cash of the amount obtained by subtracting the transfer amount from the payment amount Is an automatic transaction device that withdraws money. In the automatic transaction apparatus of Claim 1,
The said depositing / withdrawing part, after receiving the result of the said transfer transaction from a high-order apparatus, withdraws the cash of the amount which subtracted the said transfer amount from the said payment amount, The automatic transaction apparatus characterized by the above-mentioned. In the automatic transaction apparatus according to claim 1 or claim 2,
The automatic transaction apparatus according to claim 1, wherein the input unit is a customer operation unit that receives an input of bank transfer information by a customer operation. In the automatic transaction apparatus according to claim 1 or claim 2,
The automatic transaction apparatus according to claim 1, wherein the input unit is a card unit for reading transfer destination information recorded on an IC chip of a card. In an automatic transaction system including an automatic transaction apparatus that accepts a customer operation and receives a permission from a host computer and deposits cash into the customer's account or performs a withdrawal transaction that withdraws cash from the customer's account,
A payee host computer that allows the transfer of cash to the customer's account;
An automatic transaction apparatus according to any one of claims 1 to 4 is provided,
The automatic transaction apparatus sends a notification requesting a transfer to transfer the cash of the transfer amount to the transfer destination account indicated by the transfer destination information to the transfer destination host computer, and receives the permission from the transfer destination host computer An automatic transaction system characterized in that a transfer transaction is performed.