JP5551643B2 - Passbook carryover device - Google Patents

Description

  The present invention relates to a passbook carryover apparatus using an automatic machine.

  Today, deposits and withdrawals of deposits, account transfers, and the like are widely performed using automatic machines (for example, ATM (Automated Teller Machine)) installed in banks and convenience stores. The history of each process using the automatic machine is recorded in the bankbook.

  Conventionally, when each of the above processes has been performed and the description in the bankbook (hereinafter simply referred to as bankbook) is full (such as a general account bankbook, if there are multiple courses in one bankbook, one course For example, the processes disclosed in the following Patent Documents 1 to 3 are performed. In Patent Document 1, when unrecorded data is viewed from an information inquiry terminal, unrecorded transaction data exists in the database, and information on empty lines in the passbook at hand is also managed in the database. When the data and the empty line of the passbook are compared, and there is more unbooked data than the empty line of the passbook at hand, the fact that the passbook carryover has occurred is displayed on the display terminal that has made an inquiry.

  Further, in the invention according to Patent Document 2, when a bankbook carryover occurs in a transaction involving cash, “passbook carryover” and “passbook receipt” are displayed on the bankbook carryover selection screen, and “passbook carryover” is selected. In this case, the cash processing is preferentially executed, and after the cash processing is completed, the bankbook carry-over processing is performed.

  Furthermore, the invention according to Patent Document 3 is an invention for displaying a passbook that can be issued based on the passbook number notified from the host device and issuing a new passbook when carrying over the passbook.

JP 2004-185371 A JP 2004-078770 A JP 2000-011070 A

  However, in the passbook carry-over method of Patent Document 1, unbooked data and a passbook empty line are compared, and if there is more unbooked data than a passbook empty line at hand, it is displayed that a passbook carry-over has occurred. It is only an invention. The invention according to Patent Document 2 displays “passbook carryover” and “passbook receipt” on the passbook carryover selection screen, but does not disclose selection of processes other than “passbook carryover” and “passbook receipt”. . Further, the invention according to Patent Document 3 is an invention that only displays a passbook that can be issued based on a passbook number notified from a host device.

  Therefore, the present invention presents a number of selection methods for the carry-over method in the passbook carry-over process, such as mailing, simple issuance, issuance with another automatic machine, etc. when the passbook carry-over process occurs, and the passbook carry-over corresponding to the customer's request The present invention provides a passbook carry-over device that makes it possible to perform processing.

  A passbook carry-over device using an automatic machine such as an ATM, for example, in a book transaction, it is judged whether or not the entry in the passbook is full, and if the carry-over is necessary, the above-mentioned automatic machine is used. Select whether to carry over the passbook immediately or to carry over the passbook later with another automatic machine. If there is enough time, carry out the passbook carry-over process immediately. It is the structure which performs a passbook carry-over process.

  In addition, a bankbook carry-over device using an automatic machine such as an ATM, for example, if it is determined whether or not the description of the bankbook is full and the bankbook rollover process is necessary, Choose whether to carry forward processing or to simply issue a passbook with the above-mentioned automatic machine. If there is enough time, carry over the passbook immediately, and if you are in a hurry, make a simple issue with a minimum entry in the passbook. It is the structure to perform.

  Furthermore, mail can be selected for selection by the selection process, and a passbook carry-over method that is more convenient for the customer is provided. Further, whether or not the passbook carry-over processing is necessary is also determined by determining whether or not the description of the passbook is full.

  According to the present invention, when a passbook carry-over process occurs while using an automatic machine such as an ATM, the passbook carry-over process is performed by the automatic machine as it is, or a passbook carry-over process is performed later, or a simple passbook issuance process Or a request for mailing of a new passbook that has undergone passbook carry-over processing can be selected, and passbook carry-over processing can be performed in accordance with the convenience of the customer. For example, the customer's transaction time can be shortened by selecting passbook carry-over processing or issuing a simple passbook at a later date. In addition, by requesting mailing of a new passbook that has undergone the passbook carry-over process, it is not necessary to go to an ATM or bank counter later, and a new passbook that has undergone the passbook carry-over process can be received.

It is a system configuration figure of a passbook carry-over apparatus which uses ATM of this embodiment. It is an external view of ATM. It is a functional block diagram of this embodiment. It is a figure which shows the data structure of the database constructed | assembled on the hard disk. It is a flowchart explaining the processing operation of this embodiment. It is a flowchart explaining the processing operation of this embodiment. It is a figure which shows an example of a response message. It is a figure which shows the selection screen of a passbook carry-over process. It is a figure explaining a process when a customer selects "issue with another automatic machine". It is a figure which shows an example of the notification message | telegram of the passbook carry-over information transmitted to a host apparatus. It is a figure explaining a process when a customer selects "mail".

Embodiments of the present invention will be described below with reference to the drawings.
FIG. 1 is a system configuration diagram of the passbook carryover apparatus of this embodiment. In the figure, this system includes an automatic machine (hereinafter referred to as ATM) 1, a host device 2, a branch terminal 3, and other ATMs 4-1, 4-2,... 4 connected to the host device 2. The ATMs 1, 4-1, 4-2,..., 4-n and the branch terminal 3 are connected to the host device 2 via a dedicated line.

  FIG. 2 is an external view of the ATM1, and 4-1, 4-2,..., 4-n. In addition, ATM1 used in this example, and 4-1, 4-2, ... 4-n have the same structure and the same function. In addition, ATM1, 4-1, 4-2, ... 4-n are installed not only at bank branches but also at convenience stores, supermarkets, etc., and original ATM functions such as deposit, withdrawal, balance inquiry In addition to functions such as bank transfer, it has a passbook carry-over function.

  In FIG. 2, ATM1 (4-1, 4-2,..., 4-n) includes a display 6, a card insertion unit 7, a passbook insertion unit 8, cash insertion units 9a and 9b, and a receiver 10. Yes. In addition, in the same figure, the cash insertion part 9a shows the insertion part of a banknote, and the cash insertion part 9b shows the insertion part of a coin. The receiver 10 is a device for a customer to talk to an operator in an emergency.

  The display 6 displays a selection screen for selecting transactions such as deposit, withdrawal, balance inquiry, and transfer, a selection screen for carrying over the passbook in this example, and other various displays. Further, the surface of the display 6 is constituted by a touch panel, and the customer can select a desired process according to, for example, a transaction selection screen displayed on the display 6. In addition, a cash card (not shown) is inserted into the card insertion unit 7, and not only a so-called bank card but also a credit card, a distribution card, or the like can be used.

  A bankbook (not shown) is inserted into the bankbook insertion unit 8, and at least information such as a customer name, a bank name, and an account number is recorded in the bankbook. The passbook is printed with front cover printing, back cover printing, first detail printing corresponding to the first subject, second detail printing corresponding to the second subject, and the like. In the general account passbook, for example, there are a plurality of subjects (such as ordinary deposits and time deposits) in one passbook, and each subject is determined based on the barcode on the inserted page. Here, the first detailed print means a detailed record of the ordinary deposit, and the second detailed print means a detailed record of the fixed deposit. Depending on the specifications of the passbook of each financial institution, the order of the ordinary deposit and the time deposit may be reversed or only the first item may be used. In addition, there are cases where there are other than ordinary deposits and time deposits (such as time deposits).

  FIG. 3 shows a system configuration in the ATM 1 of the above-described external configuration. The figure also shows the connection configuration of the host device 2 and the like. The ATM 1 includes a determination unit 11, a selection unit 12, a passbook carryover unit 13, a transmission unit 14, an issue unit 20, and a simple issue unit 21. For example, the determination unit 11 confirms that the passbook is full, and determines the necessity of carrying over the passbook. When the determination unit 11 determines the necessity of carrying over the bankbook, the selection unit 12 displays a selection screen on the display 6 described above. For example, “Issuance with another automatic machine”, “Mail”, “Simple issuance”, and “Issuance” are selected and displayed. The customer sees this selection screen and selects any passbook carry-over method.

  For example, when “Issuance” is selected, the passbook carry-over unit 13 immediately performs a passbook carry-over process using the passbook carry-over unit 13 and the issue unit 20. In addition, when “simple issue” is selected, a new passbook with simple description is issued using the passbook carry-over unit 13 and the simple issue unit 21. On the other hand, when “issue with another automatic machine” or “mail” is selected by the selection unit 12, the transmission unit 14 transmits account information such as a branch number and an account number to the host device 2. For example, in the case of “issue with another automatic machine”, the information is transmitted to another ATM 4-1 to 4-n visited by the customer later, and the bankbook is carried over by the ATM. In the case of “mailing”, the host device 2 sends the above information to the branch terminal 3, causes the branch terminal 3 to carry out the passbook carry-over processing, and mails the customer a new passbook that has been carried forward. Let

  On the other hand, the host device 2 is, for example, a bank server, and includes a CPU 16, a ROM 17, a RAM 18, and a hard disk (HDD) 19, as shown in FIG. 1, and the CPU 16 performs the processing of this example according to a system program stored in the ROM 17. I do. The RAM 18 is used as a work area for the above processing by the CPU 16.

  In addition, a database shown in FIG. This database is a database for managing the processing of this example, and customer information is stored for each customer. For example, as shown in the figure, as customer information A, information such as the name, address, etc. of the customer A, branch number, account number, passbook carry-over information and unbooked transaction details information are stored for each subject. As customer information B, information such as name and address of customer B, branch number, account number, passbook carry-over information, and unbooked transaction details are stored for each subject. In the following, for customer information C, D,... (Not shown), information such as customer names, addresses, etc., information such as branch numbers, account numbers, etc. are sequentially stored.

In the above configuration, the processing operation of this example will be described below.
5 and 6 are flowcharts for explaining the processing operation of this example. First, in the customer waiting state, the display 6 of the above-described ATM 1 displays not-shown “deposit”, “payment”, “transfer”, “passbook entry”, and the like. In this state, for example, when a “payment” transaction key is pressed (step (hereinafter, indicated by S) 1), a message indicating that a bankbook or a card should be inserted is displayed.

  Here, for example, when the customer inserts a bankbook or a card (S2), a message is displayed indicating that the customer must enter a password, and the customer inputs the password (S3). Thereafter, when an amount is entered in accordance with the display for entering the withdrawal amount (S4), a transaction confirmation display is performed (S5). In this transaction confirmation display, the customer's “payment” instruction and the information of the input amount are displayed on the display 6.

  Here, for example, when the customer presses the confirmation key, transaction message transmission processing is performed (S6). In addition to the information displayed on the display 6, the transaction message includes account information such as a branch number and an account number read from the magnetic stripe of the bankbook or card, and the transaction message including such information is described above. It is transmitted to the host device 2.

  The host device 2 reads the branch number and the account number from the information included in the transaction message, and reads the corresponding customer information from the database shown in FIG. Then, the balance of the database is updated based on the payment amount, the transaction details are calculated, a response message is created, and transmitted to ATM1.

  FIG. 7 shows an example of a response message. For example, a payment permission response message including transaction amount, post-transaction balance, passbook print data, and passbook issuance information is transmitted to ATM1. For example, the post-transaction balance is recorded as an amount obtained by subtracting the transaction amount from the balance before the current transaction.

  The ATM 1 receives the response message (payment permission message) transmitted from the host device 2 (S7), performs cash counting (S8), and performs transaction printing processing on the receipt in the case of card transaction (S9). Here, the cash counting is based on the transaction amount of the payment permission message, counting the cash (banknotes, coins) stored in the ATM, putting the banknotes in the above-described cash insertion unit 9a, and coins in the cash insertion unit 9b. Process.

  Next, it is determined whether or not the passbook has been inserted (S10). That is, it is determined whether or not the customer's passbook is inserted in the passbook insertion unit 8 shown in FIG. Here, if no passbook is inserted in the passbook insertion unit 8 (S10 is NO), it is determined whether or not the issue by the separate automatic machine is registered (S11), and if the issue by the separate automatic machine is also not registered. (S11 is NO), a medium release process such as a card / receipt and cash is performed, and the process waits for a customer (S12). The issuing process in the separate automatic machine will be described later.

  In the above determination (S10), if a passbook is inserted in the passbook insertion unit 8 (YES in S10), a passbook printing process is performed (S13). In this passbook printing process, based on the passbook print data included in the response message, for example, the payment amount and the balance after transaction processing are printed on the next line of the first detailed printout of the passbook.

  Next, it is determined whether the description of the passbook after the printing process is full page (S14). This determination is performed by the determination unit 11 described above. For example, when the print position of the passbook print data included in the response message is the last line of the last page that can be recorded in the first specification, which is the detailed record of the ordinary deposit, It is determined that the passbook is full. On the other hand, if the passbook is not full (S14 is NO), the inserted passbook and the counted cash are released, and the process proceeds to a customer wait (S15).

  On the other hand, if the description of the passbook is full (S14 is YES), then the passbook carry-over process is selected (S16). This selection process is performed by the selection unit 12 described above. FIG. 8 shows an example of the selection screen for the passbook carry-over process. In the case of this example, “Issue with another automatic machine”, “Mail”, “Simple issue”, and “Issuance” are displayed under the message “Please select the passbook carry-over process”. Here, “issue with another automatic machine” means that another ATM 4-1 to 4-n connected to the host device 2 performs a passbook carry-over process separately, and “mail” means a passbook from a branch office at a later date. The passbook that has been carried forward is sent by mail. “Simple issue” is a new passbook that is printed only on the front cover, back cover, and passbook MS data. "" Is to perform normal passbook carry-over processing immediately.

  Therefore, the customer confirms the selection screen displayed on the display 6 and selects a desired passbook carry-over method. Here, for example, when “Issuance” is selected, a normal passbook carry-over process is executed (S17). This process is executed by the bankbook carryover unit 13 described above, updates the MS (magnetic stripe) of the inserted bankbook, retracts the inserted bankbook to a position not shown, and feeds out a new bankbook. Then, front cover printing, back cover printing and unrecorded detailed data are recorded in the new bankbook, the MS of the new bankbook is updated, and the new bankbook, the previous bankbook inserted and the counted cash are discharged (S18). ). By processing in this way, the customer can immediately select the passbook carry-over process and acquire a new passbook at the time when the passbook carry-over becomes necessary.

  On the other hand, when the customer selects “simple issue”, simple carry-over processing is executed (S19). This process is executed by the passbook carry-over unit 13, updates the MS of the inserted passbook, saves the inserted passbook to a position (not shown), and feeds out a new passbook. After that, only front and back cover printing is performed on the new passbook, the MS of the new passbook is updated, and the new passbook and the inserted passbook are discharged. By processing in this way, the customer can acquire a new passbook in a short time when it is necessary to carry over the passbook, which is an effective method for customers who do not have enough time.

  Further, when “issue with another automatic machine” is selected on the selection screen shown in FIG. 8 described above, the bankbook is carried forward separately using the other ATMs 4-1 to 4-n. FIG. 9 is a diagram for explaining the processing at this time.

  First, ATM 1 transmits passbook carry-over information to the host device 2 in order to make it issued by another automatic machine. FIG. 10 is a notification message example of passbook carry-over information transmitted to the host device 2 at this time. As shown in the figure, this notification message is composed of the branch number, account number, passbook MS, and passbook carry-over information areas, and a notification message including these pieces of information is transmitted to the host device 2.

  The host device 2 performs recording corresponding to the customer information area of the database according to the control of the CPU 16 based on the notification message. That is, the customer information in the database shown in FIG. 4 is searched based on the branch number and account number included in the notification message from the above-described ATM 1, and based on the data (“1”) of the passbook carry-over information of the notification message, Set “1”, which means issuance by another automatic machine, in the passbook carry-over information area.

  Thereafter, when the customer goes to another ATM 4-1 to 4-n at a later date and operates the ATM, processing is performed according to the flowchart shown in FIG. For example, the operation is performed with the card inserted (S1 to S9). At this time, since the bankbook is not inserted, the determination (S10) is NO. For this reason, it is determined whether or not “issue by another automatic machine” is registered (S11). This determination is made by searching the database of the host device 2 based on the account information (branch number, account number, etc.) read from the magnetic stripe of the card inserted by the customer, and information “1” from the corresponding passbook carry-over information area. Is read. Therefore, if “1” is set in the passbook carry-over information area, a passbook carry-over process selection screen is displayed (S16).

In this case, the customer presses the “issue” or “simple issue” key, and performs the corresponding processing as described above. For example, when “Issuance” is selected, cover sheet printing, back cover printing, and unrecorded detailed data are recorded in a new bankbook, the MS of the new bankbook is updated, and a new bankbook The bankbook before insertion is discharged (S18). In this case, since the insertion of the passbook is not performed, rather than updating the MS, also not performed processing for saving the inserted passbook the position not shown.

On the other hand, when “simple issue” is selected, only the front and back cover prints are recorded in a new passbook, the MS of the new passbook is updated, and the new passbook and the previous passbook are inserted. (S19). Also in this case, since the insertion of the passbook is not performed, rather than updating the MS, also not performed processing for saving the inserted passbook the position not shown.

  By carrying out the processing as described above, even if the bankbook carry-over processing cannot be performed immediately, the bankbook carry-over can be carried out by another ATM at a later date, and a highly convenient bankbook carry-over apparatus can be obtained.

  Furthermore, when the customer selects “mail” on the selection screen shown in FIG. 8, the passbook carry-over selection information is transmitted to the host device 2 (S20). Also in this case, the ATM 1 transmits to the host device 2 a notification message of the passbook carry-over information shown in FIG. That is, a notification message including a branch number, an account number, a passbook MS, and passbook carryover information is transmitted to the host device 2.

  FIG. 11 is a diagram for explaining the processing at the time of “mailing”. The host device 2 transmits the notification message from the ATM 1 and stores the notification message in the corresponding customer information area under the control of the CPU 16. That is, the customer information in the database shown in FIG. 4 is searched based on the branch number and the account number included in the notification message from the above-described ATM 1, and based on the data (“2”) of the passbook carry-over information of the notification message, “2” is stored in the passbook carry-over information area of the corresponding customer information.

  Based on the notified information, the host device 2 transmits a mail registration notification to the branch terminal 3. Based on the transmitted information, the branch terminal 3 creates a new passbook that has undergone passbook carry-over processing. That is, the sales office terminal 3 prints the front cover, back cover, and unrecorded detailed data on a new passbook, updates the MS of the new passbook, and mails it to the customer's address.

As described above, a new passbook can be received without requesting to go to an automatic machine or a bank counter later by requesting mailing of a new passbook that has undergone passbook carry-over processing.
In the above embodiment, whether or not the passbook carry-over process is performed is determined based on whether or not the details of the first print are full pages, but the passbook carry-over process is determined depending on whether or not the details of the second print are full pages. It is good also as a structure which judges the presence or absence of.

1 ATM
2 Host equipment 3 Branch terminal 4-1, 4-2, ... 4-n ATM
DESCRIPTION OF SYMBOLS 6 Display 7 Card insertion part 8 Passbook insertion part 9a, 9b Cash insertion part 10 Handset 11 Judgment part 12 Selection part 13 Passbook carryover part 14 Transmission part 16 CPU
17 ROM
18 RAM
19 Hard disk (HDD)
20 Issuing Department 21 Simple Issuing Department

Claims (13)

A determination unit that determines whether or not a bankbook carryover is necessary;
A selection unit for selecting whether to carry over the passbook or to simply issue the passbook when the judgment unit determines that the passbook carry-over is necessary;
When selecting the passbook carry-over by the selection unit, immediately perform the passbook carry-over processing, and when selecting the simple issue of the passbook, only the front cover printing and back cover printing, and the writing of the passbook MS data are newly added as simple information. A passbook carry-over department that performs simple passbook issuance,
A passbook carry-over device characterized by comprising:   The passbook carry-over device according to claim 1, wherein the determination unit determines whether the passbook carry-over is necessary by determining whether or not the description of the passbook is full.   The passbook carry-over apparatus according to claim 1 or 2, wherein the selection by the selection unit can also select a passbook carry-over process by another passbook carry-over apparatus. The passbook carry-over device according to claim 1 or 2, wherein the selection by the selection unit can also be issued and mailed by another automatic machine.   The passbook carry-over device according to claim 1, 2, 3, or 4, wherein ATM is used. A determination unit that determines whether or not a bankbook carryover is necessary;
A selection unit for selecting whether to carry over the passbook or to carry out the passbook carry-over process by another device when the judgment unit determines that the passbook carry-over is necessary;
When selecting the passbook carryover by the selection unit, a passbook carryover unit that immediately performs a passbook carryover process;
By the selection unit, if you choose to perform a bankbook carry-over processing by the other apparatus, passbook carryover device and a transmission unit that transmits information indicating that performing the passbook carried forward processing by the other device to the host device When,
In accordance with the information transmitted from the transmission unit, the host device that transmits the information to another device;
A passbook carry-over system, comprising: another passbook carry-over device that performs a passbook carry-over process according to information transmitted from the host device. Said information as a request of the passbook carryover processing by another device, stored corresponding to the account information in the database of the host device, the input account information corresponding to the account information from the other passbook carryover device there the passbook carryover system according to claim 6, characterized in that the information from the database is transmitted to the other passbook carried forward device. A determination unit that determines whether or not a bankbook carryover is necessary;
A selection unit for selecting whether to carry over the passbook or to carry out the passbook carry-over process by mail when the judgment unit determines that the passbook carry-over is necessary;
When selecting the passbook carryover by the selection unit, a passbook carryover unit that immediately performs a passbook carryover process;
When the selection unit selects to perform the passbook carry-over process by mail , a passbook carry-over apparatus having a transmission unit that transmits information indicating that the passbook carry-over process by mail is performed to a host device;
In accordance with the information transmitted from the transmission unit, the host device that transmits the information to another device;
A branch office terminal that carries over the bankbook according to the information transmitted from the host device and mails the bankbook after the bankbook is forwarded to the customer;
A passbook carry-over system characterized by comprising: 9. The passbook carry-over system according to claim 8, wherein a passbook mailing request, account information, and passbook details stored in the database of the host device are transmitted to the branch office terminal.   The passbook carryover system according to claim 6, 7, 8, or 9, characterized by using ATM. A determination process for determining whether a passbook carryover is necessary,
A selection process for selecting whether to carry over a passbook or a simple issue of a passbook when it is determined that the passbook carry-over is necessary;
When selecting the passbook carry-over by the selection process, immediately carry over the passbook,
When selecting the simple issue of the passbook, the passbook carry-over processing for performing simple issue of the passbook by performing front cover printing and back cover printing as simple information , and writing only the passbook MS data to the new passbook ;
A passbook carry-over method characterized by A determination process for determining whether a passbook carryover is necessary,
A selection process for selecting whether to carry over a passbook or to carry out a passbook carry-over process by another device, when it is determined that a passbook carry-over is necessary;
When selecting the passbook carry-over by the selection process, a passbook carry-over process for immediately performing a passbook carry-over process;
When selecting to perform the passbook carry-over process by the other device by the selection process,
A transmission process of transmitting information indicating that performing the passbook carried forward processing by the other device to the host device,
A host process for transmitting the information to another device according to the transmitted information;
A passbook carry-over process for performing a passbook carry-over process according to the information transmitted by the host process;
A passbook carry-over method characterized by A determination process for determining whether a passbook carryover is necessary,
When it is determined that the passbook carry-over is necessary, a selection process for selecting whether to carry over the passbook or passbook carry-over processing by mail; and
When selecting the passbook carry-over by the selection process, a passbook carry-over process for immediately carrying over the passbook;
When selecting to perform the passbook carry-over process by mail by the selection process, a transmission process for transmitting information indicating to perform the passbook carry-over process by mail to a host device;
A host process for transmitting the information to another device according to the transmitted information;
A branch office terminal process for carrying over the passbook according to the information transmitted by the host process and mailing the passbook after the passbook to the customer;
A passbook carry-over method characterized by