JPH0318227B2 - - Google Patents

Description

[Detailed Description of the Invention] [Technical Field of the Invention] The present invention relates to an automatic transfer system in which a financial institution such as a bank automatically transfers funds from a terminal device according to a customer's operation, and relates to an automatic transfer method that facilitates the transfer operation. It allows you to do it accurately.

[Prior art and its problems]

Automation of counter operations at financial institutions has progressed rapidly in recent years, and one example of this is automatic transfer devices. The customer's operating procedures for this automatic transfer device include:
There are two methods:

a: The customer makes a transfer by inputting the name of the financial institution and its branch to which the transfer is to be made, and the account number of the transfer destination, in this order, using an automatic transfer device.

b: As described in Japanese Patent Application Laid-open No. 54-93944, declare the recipient of the transfer at the financial institution's counter, arrange for a pre-encoded registration number, and then specify that registration number on the automatic transfer device. The transfer will be made by .

The latter method is convenient if the recipient of the transfer is specific and the transfer frequency is relatively high. However, as the number of recipients increases, it becomes extremely difficult and burdensome to memorize the registration number for each recipient. In the end, the person making the transfer ends up taking measures such as creating a list, but even if they have a list, it is difficult for an amateur transfer person to enter a registration number with a large number of digits. It is tedious and easy to make mistakes when entering the registration number.

In this way, when the transfer person selects a code from the comparison table and enters it, it is easy to make an input error. Therefore, each time the transfer is made, the entered code is displayed on the screen, and if the code matches, press the confirmation key. When you press the button, the account number and name of the specific transfer destination will be displayed for the first time, and the person making the transfer will need to confirm this and press the confirmation key, and the process will proceed one step at a time interactively with the calculator. The method is known. However, since this method advances the process step by step while communicating with the computer at the center, the number of processing steps is large, the burden on the system side is large, the processing time is long, and the operational burden on the payer is also large.

[Purpose of the invention]

It is an object of the present invention to solve such problems with conventional automatic transfer devices and to realize a method that allows even an amateur transfer person to easily and accurately specify a transfer destination.

[Structure of the invention]

In order to achieve this object, the present invention provides: (a): an automatic transfer device that automatically transfers money to a recipient by specifying a transfer destination from a terminal device; (b): (c): At the time of a transfer operation, the center notifies the terminal device operated by the customer of the transfer destination data of multiple persons regarding the transfer person. , displayed on the display device as a list; and (d): the customer selects the transfer destination from the displayed list.

[Embodiments of the invention]

Next, an embodiment of the automatic transfer method according to the present invention will be described. FIG. 1 is a circuit diagram showing an embodiment of an automatic transfer system according to the present invention. T is a terminal device for performing transfer operations, etc., and is connected to the central processing unit 1 of the center C by a line. The terminal device T has
It includes input means such as a keyboard 2 with a numeric keypad 2t, a display 3, a card reader 4, and the like. Further, M is a memory in which a list of transfer destinations sent from the center is stored, and under the control of the control unit 5, the list is displayed on a display 3 such as a CRT. On the other hand, a list of transfer destinations for each customer is stored in the file 8 of the center, and the list of transfer destinations is transmitted in response to a request from the terminal device T and stored in the memory M mentioned above.

When performing a transfer operation, a card with a magnetic stripe is inserted into the card reader 4, and the payer's account number and other information are read, and the contents of the card and the PIN number entered by the payer using the numeric keypad 2T are also read. It is determined whether they match. If they match, the person making the transfer specifies whether or not a list of recipients is required by operating the keyboard 2. When a list of transfer destinations is requested, the signal and the read contents of the card temporarily stored in the register 6 are transmitted to the central processing unit 1 of the center C via the line under the control of the control unit 7. Ru. At the center C, a list of transfer destinations is searched from the file 8 based on the account number read from the card, and sent from the central processing unit 1 to the terminal device T, stored in the memory M, and displayed on the display 3. will be displayed.

FIG. 2 shows the display 3 and the keyboard 2. As shown in the figure, the display 3 displays a list of transfer destinations along with reference numbers 9 for each transfer destination. If there is a transfer destination in this list, select the serial number, for example "2" using the numeric keypad 2T, and the transfer destination will be the second "S construction company".
After that, the amount to be transferred is inputted using the numeric keypad 2t in the same manner as a normal transfer operation, and the transfer amount is transmitted to the center C, and the transfer processing is performed by the transfer processing unit 10 of the center.

If the applicable transfer destination is not displayed in the list displayed on the display unit 3, press the × mark key 11.
When the user presses , and inputs and specifies the transfer destination using the conventional method "a," the transfer destination is additionally registered in the file 8 of the center. Therefore, from now on, the items will be displayed in a list according to the method of the present invention described above, and selections can be made from the list.

In this way, a list of transfer destinations for each customer is stored in the file 8 of the center, and the list is displayed on the display 3 of the terminal device T in response to a customer's request. In addition to the method described above in which the customer registers the transfer destination with the Centafile 8 from the terminal device T by operating the keyboard 2, it is also possible to register from the financial institution by making a declaration to the counter of the financial institution. . In most cases, the money to be transferred is withdrawn from one's own account and deposited into the recipient's account, but other methods such as money orders or cash deposits can also be used.

〔Effect of the invention〕

As described above, according to the present invention, in an automatic transfer device that automatically transfers money to a recipient by specifying a transfer destination from a terminal device, data such as a list of transfer destinations is accumulated at a center for each transfer person. When making a transfer, the center notifies the terminal device operated by the customer of the transfer destination list of the transferee, displays it on the display device, and transfers from the displayed transfer destination list. The structure is such that the customer chooses the destination. Therefore, the customer only needs to specify the transfer destination from the list of transfer destinations displayed on the display, so there is no need for the customer to bring a list of transfer destinations each time. is significantly reduced. In addition, input errors are reduced compared to when the customer inputs the registration number of the transfer destination, and especially when specifying the transfer destination serial number on the display using the numeric keypad 2T, the specified serial number is displayed with high brightness. You can easily check whether the input results are accurate by blinking or blinking.

Moreover, since the recipient can be directly selected from the list of recipients displayed on the display device, the list of recipients can be displayed, the recipient can be selected, and the confirmation can be easily performed continuously on the screen. Therefore, selection errors are less likely to occur, and even if a confirmation process is performed to detect selection errors, it is sufficient to check on the display screen whether the transfer destination selected on the display device matches the selection operation. Therefore, the conventional operation of communicating between the center and the terminal device for confirmation is no longer necessary, and the number of processing steps is small, reducing the burden on the computer and shortening the processing time. , it will also be easier for the person making the transfer.

[Brief explanation of the drawing]

The figures show an embodiment of the automatic transfer system according to the present invention. FIG. 1 is a block diagram showing the circuit configuration of the automatic transfer system, and FIG. 2 is a diagram illustrating the display and keyboard of the terminal device. In the figure, T is a terminal device, C is a center, 1 is a central processing unit, 2 is a keyboard, 2t is a numeric keypad, 3 is a display, 8 is a file, 9 is a serial number,
10 is a transfer processing section.

Claims (1)

[Scope of Claims] 1 (a): In an automatic transfer device that automatically transfers money to a recipient by specifying a transfer destination from a terminal device, (b): For each transfer person, multiple people related to the transfer person (c): At the time of a transfer operation, the center notifies the terminal device operated by the customer of the transfer destination data of multiple people regarding the transfer person, and displays it as a list. (d): The customer selects a transfer destination from the displayed list.