JPH0416820B2 - - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION [Technical Field of the Invention] The present invention relates to an automatic transaction device such as an automatic teller machine that can transfer cash to, for example, another financial institution.

[Technical background of the invention]

In recent years, automatic teller machines that accept magnetic cards submitted by users with account information recorded on them and automatically dispense cash requested by users by communicating with a host computer, or magnetic stripes with account information recorded on them. an automated teller machine that accepts a magnetic passbook with a tag and automatically pays cash requested by a user by communicating with a host computer;
Alternatively, an automatic teller machine that automatically accepts cash using a magnetic passbook with a magnetic stripe that records account information, or even a combination of both functions.
Automated transaction devices such as automated teller machines, which combine functions into a single unit, are rapidly developing as automation equipment for bank counters, and are being introduced at banks to provide speedy services to their users.

In addition, recently, the above-mentioned automatic transaction devices have been used to accept cash and transfer the accepted cash to another bank account, or to transfer a predetermined amount from one's own account to another bank account by card transaction. Things that do this have been developed and put into practical use.

Furthermore, in order to omit key entry of transfer information each time, the transfer information is recorded on a card-like medium, that is, the magnetic stripe of the transfer card, at the first transfer transaction, and the transfer information is recorded on the transfer card so that the customer can see it visually. Print some or all of the transfer information on the . A system has been proposed in which this transfer card is accepted after the second transfer transaction and the transfer transaction is performed based on the transfer information recorded on the transfer card.

The automatic transaction device that allows transfer transactions using this transfer card stores the names of various financial institutions that allow transfer transactions and their code numbers in correspondence with each other. Alternatively, the financial institution to which the transfer is to be made is searched based on the financial institution name recorded on the transfer card. However, many of the above-mentioned financial institutions have the same name even though they have different forms, making it difficult to distinguish them. For example, ○○ Bank, ○○ Shinkin Bank, ○○ Credit Union, ○○ Sogo Bank, ○○ Post Office (○○
are the same). Therefore, when a customer specifies a transfer destination by key input, the automated teller machine inputs the type of financial institution before inputting the name of the financial institution. I remember.

[Problems with background technology]

However, in the above-mentioned transfer card, the transfer destination information recorded on the transfer card includes the code number of the financial institution name, but does not include the type of financial institution. For this reason, when making a transfer transaction using a transfer card, it takes a great deal of time to search for the name of the financial institution to which the transfer is to be made. Of course, automated teller machines memorize the financial institution name, but depending on the format of the transfer transaction, if the customer specifies the transfer destination by key input, that is, the financial institution name in alphabetical order and its code for each financial institution. In the case of having a table that stores the information and in the case of specifying the transfer destination using a transfer card,
In other words, the above problem can be solved by arranging financial institution codes in numerical order and having a table consisting of the corresponding financial institution names, and storing them in two ways. There has been a problem in that the storage capacity for storing information has increased, and the price of automatic transaction devices has accordingly increased.

[Purpose of the invention]

This invention was made in view of the above circumstances,
The purpose is to provide an automatic transaction device that can quickly search for the name of a financial institution to which a transfer is to be made, whether the transfer is by key input or by using a card-like medium.

[Summary of the invention]

This invention is applicable to city banks, regional banks, mutual banks,
A plurality of first tables are provided for each type of financial institution such as a trust bank, a credit union, and a credit union, and each of the first tables stores a specific financial institution name (in alphabetical order) and a financial institution name code; Types of financial institutions such as city banks, regional banks, mutual banks, trust banks, credit unions, credit unions, etc. are listed in numerical order of their institution codes, as well as specific financial institution names and financial institution name codes for each type. A second table is prepared that stores the first table's first address, and a second table that stores the start address of the first table, and the transfer destination information including the institution code, the first letter of the financial institution name, and the financial institution name code as a transfer card, and the transfer information. When a customer performs a transfer transaction, the customer is guided to select a form of financial institution, and by selecting one form in response to this guidance, the first form corresponding to that form is prepared. Select the table and be guided to input the initial letter of the financial institution name.By inputting the initial letter according to this guidance,
The financial institution name corresponding to the initial letter is extracted from the first table and displayed, and a transfer transaction is performed based on the selection of the extracted financial institution name and the transfer person information input by the customer, and the transfer card When performing a transfer transaction, select the first table corresponding to the institution code from the transfer card, extract from the first table the financial institution name code corresponding to the initial of the financial institution name from the transfer card, This extracted financial institution name code is compared with the financial institution name code from the transfer card, the financial institution name corresponding to the matching financial institution name code is read from the first table, and the transfer is made using the read financial institution name. The transfer transaction is performed based on the destination information and the payer information from the transfer card.

[Embodiments of the invention]

An embodiment of the present invention will be described below with reference to the drawings.

FIG. 1 shows an automatic transaction device according to the present invention. That is, a substantially L-shaped operating section 2 is formed on the front surface of the housing 1 . This operation section 2
A banknote insertion slot 3 is provided on the horizontal surface of the bank, in which a large number of banknotes to be transferred or transferred can be inserted at once, and change for the banknotes can be received. It is provided. Also,
A color CRT display section 5 with a built-in touch sensor is provided on the horizontal surface of the operation section 2. This CRT display unit 5 displays operating procedures and other information on the CRT screen in the form of illustrations, characters, or words to guide the user, and also displays the PIN number, amount, account number, and transaction approval. , by pressing a display area corresponding to confirmation or cancellation, a touch sensor (not shown) detects this, and a so-called key operation is performed in which a corresponding signal is output to the main control section 11, which will be described later. For example, as shown in Figure 2, in addition to displaying the words ``Please enter the name of the payer,'' the system also displays katakana for entering the payer's name and a key for specifying the type of business where the transfer is to be made. There is. The contents and display change each time the machine operation or step status changes.

Further, on the vertical surface of the operation unit 2, there is an ID card insertion slot 6 into which an ID card M, which is a magnetic card as a transaction medium in which account information such as a PIN number and account number is recorded, is inserted, and a passbook or transfer card ( A bankbook, a transfer card insertion slot 7 into which a card-like medium) 10 is inserted, a receipt exit 7a into which a receipt is issued, a coin insertion slot 8 into which coins are inserted, and a coin change receiving slot 9 into which coin change is received are provided. .

As shown in FIGS. 3 and 4, the transfer card 10 has transfer information on its front side 31 including the name of the financial institution to which the transfer is being made, the name of the branch, the account number, the item, the name of the account, the name of the client, and the request. A person's name and account information or telephone number are printed on it, and a magnetic stripe 32 is provided on the back side on which the above-mentioned transfer information is recorded.

As shown in FIG. 5, the transfer information recorded on the magnetic stripe 32 includes the starting code, the institution code indicating the form of the financial institution to which the transfer is made, the initial letter of the name of the financial institution to which the transfer is made and its code, and the financial institution to which the transfer is made. The initial letter of the branch name and its code, the remittance account type code,
It consists of the account number, beneficiary name, client name, client's telephone number, transfer card expiration date, end code, and BCC (binary check code) for performing a parity check.

By the way, as shown in FIG. 6, inside the case 1,
The main control unit 11 that controls the entire system accepts the ID card M inserted from the ID card insertion slot 6, and
A magnetic card reader 12 reads account information such as a PIN and account number from the magnetic stripe on the card M, reads the magnetic stripe of the bankbook inserted through the bankbook and transfer card slot 7, and transfers transactions to the bankbook and journal paper. A transfer card 10 on which the contents are recorded or transfer information of a transfer transaction is printed and recorded is issued from a passbook or transfer card insertion slot 7, or a magnetic transfer card 10 inserted from a passbook or transfer card insertion slot 7 is used. a passbook printing unit 13 that reads the transfer information of the stripe 32;
A receipt printing unit 24 issues a receipt on which the transaction result is printed from the receipt issuing port 23, and a deposit/withdrawal unit accepts the banknotes inserted into the banknote insertion slot 3 and pays out a specified amount of banknotes to the banknote insertion port 3. unit 14, the coin deposit/withdrawal unit 15, which accepts the coins inserted into the coin input slot 8 and dispenses a specified amount of coins to the coin reception slot 9;
A customer service unit 16 constituted by a CRT display section 5, a voice guidance unit 17 that provides voice guidance to customers through a speaker (not shown), an internal monitor 18 for staff, a floppy disk 19 on which transaction data, etc. are recorded; A transmission control section 20 that controls data transmission between the control section 11 and a host computer (not shown), a storage section 23 having a table consisting of financial institution names and their codes, and a power supply section 21 are provided. Further, the main control unit 11 is connected to a remote monitor 22 for use by a staff member provided outside.

The storage section 23 is composed of two types of tables, as shown in FIG. That is, table ₂₃₁ is an area that stores financial institution types (city banks, regional banks, mutual banks) and the specific names of each financial institution, in order of their institution codes. ₂ ...
The first address of the first address is stored in correspondence with the first address. In Table ₂₃₂ ..., financial institution names are arranged in alphabetical order according to the type of financial institution, and the codes are stored in correspondence with each financial institution.

The above-mentioned passbook printing section 13 is configured as shown in FIG. That is, an insertion slot 7 for a passbook or a transfer card is communicated with the front surface of the main body 42, and a detector 43 for optically detecting the inserted passbook or transfer card 10 is provided near the insertion slot 7. ing. A conveyance path 44 is provided in a substantially horizontal state from the detector 43 toward the rear of the main body 42 . This conveyance path 44 includes drive rollers 45,
. . . pinch rollers 46, . . . which roll into contact with these rollers 45, . Note that the conveyance path 44
Only the drive roller 45 located at the end of the
It is driven by a pulse motor 49 separate from the motor 48 mentioned above. A magnetic head 50 serving as a magnetic reading/recording device is provided at the starting end of the transport path 44. This magnetic head 50 detects the magnetic stripe 3 of the accepted bankbook or transfer card 10.
The magnetic stripe 32 is used to read or record information on the magnetic strip 32 as necessary.
Reading or recording is performed by touching the magnetic stripe 32 and moving along the magnetic stripe 32 (in a direction perpendicular to the conveying direction of the passbook or transfer card 10).

Further, a platen roller 54 is rotatably supported in the middle of the conveyance path 44 . An electromagnetic brake 55 as a locking mechanism is connected to this platen roller 54.
Due to this action, the passbook or transfer card 10 is locked while being handled, and can be freely rotated when printing on journal paper 59, which will be described later. Above the platen roller 54 is a print head 56.
is provided. This print head 56 is held by a carriage 57, and this carriage 57
is guided by a slide rod 58 and moved in the axial direction of the platen roller 54.
Here, the platen roller 54, print head 56, etc. constitute a printing device 76 that prints predetermined information on the bankbook, transfer card 10, and journal paper 59. A roll of journal paper 59 is wound around the platen roller 54 . This journal paper 59 is wound and held on a delivery shaft 60, and is held by a platen roller 54.
The film is wound onto a winding shaft 61 via a feed roller 62 and a pinch roller 63. The winding shaft 61 and the feed roller 62 are driven by a pulse motor 64 via a belt. In addition, in front of the platen roller 54 of the conveyance path 44, a bankbook or a transfer card 10 to be conveyed is provided.
A detector 65 is provided to optically detect. Further, near the end of the conveyance path 44, a collection box 68 is provided to store the conveyed passbooks.

Further, near the end of the conveyance path 44, there is provided a storage section 69 in which transfer cards 10 on which transfer information is not printed or recorded are stored.
The sheets are taken out one by one and supplied to a conveyance path 44.

Next, the transfer processing method of the present invention in such a configuration will be explained with reference to the flowcharts shown in FIGS. 8a to 8e. For example, a customer is now standing in front of this device. At this time, the CRT display unit 5 displays the message "I'm sorry, please specify the handling method" and the selection keys for "Withdrawal, Deposit, Balance Inquiry, Passbook Entry, Transfer" are displayed. (ST1) In response to this guidance, the customer can make the “transfer”
Press down on the part that is displayed (ST2). As a result, the main control section 11 determines to proceed to the next processing step, and displays "Please press the type of transfer" on the CRT display section 5, and presses the selection key for "cash, ID card withdrawal". is displayed (ST3). Next, the customer follows the instructions and presses down the area that says ``Withdraw ID Card'' (ST4). As a result, the main control unit 11
determines that the transfer will be made by debiting the ID card, and causes the CRT display unit 5 to display the instruction ``Please insert your card'' (ST5). Then,
Passengers follow the instructions and enter the ID card slot 6.
Insert ID card M (ST6). Then, the ID card M is taken into the magnetic card reading section 12, and account information such as a password and account number recorded on the magnetic stripe section is read by a magnetic head (not shown). The above account information is checked by the main control section 11, and if it is determined that the ID card is incorrect, the main control section 11 performs error processing. Furthermore, if the main control unit 11 determines that the ID card is correct, it causes the CRT display unit 5 to display ``Press your PIN number'' as well as a numeric keypad and a correction key (ST7). Next, the customer follows the instructions and inputs his/her PIN number by pressing down on the area where the numeric keypad is displayed (ST8). By inputting this password, the main control unit 11 determines whether or not the passwords match, and if they do not match, performs a password re-input process. Furthermore, if the passwords match, the main control unit 11 causes the CRT display unit 5 to display "Please press the amount to be transferred" as well as a numeric keypad and an amount key (ST9). Next, the customer follows the instructions and inserts the amount to be transferred (ST10). As a result of this input, the main control unit 11 displays on the CRT display unit 5 the message ``Depending on whether the destination is registered or not, please press the registration key, designation key, or insert a transfer card.'' The key and designated key are displayed (ST11). Next, the customer inserts the specified key according to the instructions (ST12). When the main control unit 11 determines that this designated key has been input, the main control unit 11 displays on the CRT display unit 5 the message "Please press the type (institution code) of the destination financial institution" and also displays financial institutions in order of institution code. The shape name and the key corresponding to the shape name are displayed (ST100). Following this guidance, the customer presses the key corresponding to the type of financial institution to which the transfer is to be made (ST101). By pressing this button, the main control unit 11 causes the CRT display unit 5 to display the message ``Please enter the initial letter of the name of the destination financial institution'' and also causes the katakana key, correction key, and completion key to be displayed (ST102). In response to this guidance, the customer enters the initial letter of the financial institution's name (ST103). At this time, the corresponding financial institution type is determined based on the selected institution code, the table 23 ₂ in which the financial institution name of that type is stored is selected, and from this table 23 ₂ the financial institution corresponding to the initial letter is selected. Reading out the name. When the completion key is pressed, the main control unit 11 causes the CRT display unit 5 to display "Please press the name of the destination financial institution" and also displays a list of selection keys for each bank name as a financial institution. Seduce (ST13). Following this guidance, the customer presses the selection key for one of the listed bank names (ST14). As a result, one of the listed bank names is selected.

When the main control unit 11 determines that it is possible to list the branch names by pressing this button, it displays the message "Please press the destination branch name" on the CRT display unit 26, and also displays a list of selection keys for each branch name ( ST15). Next, the customer presses the selection key for one of the branch names displayed in a list according to the instructions (ST16). As a result, one of the branch names displayed in the list is selected.
By pressing this button, the main control unit 11 causes the CRT display unit 5 to display ``Please enter the destination account number and deposit type'' and also causes the numeric keypad, correction key, normal key, and current key to be displayed (ST17). Following this guidance, the customer enters their account number and deposit type (ST18). If the main control unit 11 determines that the recipient is not the main branch by this input, it displays "Please press recipient's name" on the CRT display unit 5, as well as a katakana key, a correction key, and a completion key (ST19). Then, when the completion key is pressed (ST20), or when the main control unit 1
If it is determined that No. 1 is the main branch, the CRT display section 5 displays "Currently processing the computer. Please wait for a while" (ST21). Also,
The main control unit 11 transmits and receives inquiry messages, and prints the results on journal paper 59. Next, the main control section 11 causes the CRT display section 5 to display the message "Please confirm the details of the transfer," as well as display the transfer details, a confirmation key, and a cancellation key (ST22). Following this guidance, the customer inserts the confirmation key or cancellation key (ST23).

Then, when the main control unit 11 determines that the cancel key has been input, it performs the cancel process, and when it determines that the confirmation key has been input, it displays on the CRT display unit 5 the message "The computer is currently processing, please wait for a while" ( ST24). The main control unit 11 also transmits and receives the transfer message, and prints the result on the journal paper 59 using the printing device 76. Next, the main control unit 11 causes the CRT display unit 5 to display ``Do you need a transfer card?'' and displays necessary keys and unnecessary keys (ST25). Following this guidance, the customer presses the necessary key (ST26). Then, the main control unit 11 prints the transfer information such as the name of the financial institution to which the transfer will be made, the branch name, the account number, the item, the account name, the client's name and account information in the passbook printing unit 13, and also prints the information on the magnetic stripe 32. A recorded transfer card 10 as shown in FIG. 3 is issued from the transfer card insertion slot 7 of the passbook.

That is, the transfer card 10 is taken out from the storage section 69 by the take-out roller 70 and conveyed along the conveyance path 44 in the direction of arrow a. And transfer card 1
When the rear end of the card 0 faces the print head 56, the transfer card 10 is conveyed in the direction of arrow b, and during this conveyance, the print head 56 prints transfer information on the front surface 31. When this printing is completed, the transfer card 10 is conveyed again in the direction of arrow a, and when its magnetic stripe 32 faces the magnetic head 50, transfer information is recorded on the magnetic stripe 32, and then it is ejected from the insertion slot 7. At this time, the main control unit 11
The message ``Please receive the transfer card'' is displayed on the CRT display unit 5 (ST27). Following this guidance, the customer receives the transfer card 10 (ST28). When the receipt of this transfer card is completed, or when the unnecessary key is pressed in step 25 (ST29), the main control unit 11 causes the CRT display unit 5 to display "Please receive the ID card and receipt" ( ST30). Next, the customer receives the ID card M and the receipt, and completes the transfer process (ST31).

Further, when the registration key is pressed in step 11 (ST32), the main control unit 11 causes the CRT display unit 5 to display "Currently processing by computer, please wait for a while" (ST33). Also,
The main control unit 11 transmits and receives inquiry messages, and causes the results to be printed on journal paper 59. Next, the main control section 11 causes the CRT display section 5 to display the message "Please confirm the details of the transfer," as well as display the transfer details, a confirmation key, and a cancellation key (ST34). Following this guidance, the customer inserts the confirmation key or cancellation key (ST35). Then, when the main control unit 11 determines that the cancel key has been input, it performs the cancel process, and when it determines that the confirmation key has been input, it displays on the CRT display unit 5 the message "The computer is currently processing, please wait for a while" ( ST36). The main control unit 11 also transmits and receives the transfer message, and prints the result on the journal paper 59 using the printing device 76. Next, the main control section 11 causes the CRT display section 5 to display "Please receive your ID card and receipt" (ST37). Next, the customer receives the ID card M and the receipt, and completes the transfer process (ST38).

Further, when the transfer card 10 is inserted into the passbook or transfer card insertion slot 7 in step 11 (ST39), the transfer card 10 is accepted into the passbook print section 13, and the magnetic head 50 prints the transfer information in the stripe section 32, that is, the transfer destination. Institution code, initials of financial institution name and its code, initials of branch name and its code, account number, account type code, client's name,
The client's account information and the expiration date of the transfer card are output to the reading main control section 11. As a result, the main control unit 11 searches the table ₂₃₁ in the storage unit 23 using the institution code, reads out the type of financial institution corresponding to this institution code and the first address of the financial institution name group of this type, and reads out the first address of the financial institution name group of this type. Table from 23 ₂
Search using the initial letter of the financial institution name and read the corresponding financial institution name code. Then, the main control unit 11 checks whether the financial institution name code read from the magnetic stripe 32 and the financial institution name code read from the table ₂₃₂ match. When the financial institution name codes match, the main control unit 11 causes the CRT display unit 5 to display the message "Please confirm the details of the transfer," as well as display the transfer details, confirmation key, and cancellation key (ST40). . Following this guidance, the customer inserts the confirmation key or cancellation key (ST41). Then, when the main control unit 11 determines that the cancel key has been input, it performs the cancel process, and when it determines that the confirmation key has been input, it displays on the CRT display unit 5 the message "The computer is currently processing, please wait for a while" ( ST42). The main control unit 11 also sends and receives the transfer message, prints the result on the journal paper 59 using the printing device 76 of the passbook printing unit 13, and also prints the transfer message on the transfer card 10 accepted by the passbook printing unit 13. Return it to insertion slot 7. At this time, the main control section 11 causes the CRT display section 5 to display "Please receive the transfer card" (ST43). Following this guidance, the customer receives the transfer card 10 (ST44). When the receipt of the transfer card 10 is completed, the main control unit 11
``Please receive ID card and receipt'' is displayed on the CRT display unit 5 (ST45). The customer then receives the ID card M and the receipt, and completes the transfer process (ST46).

On the other hand, in step 3, press down the area that says "cash" (ST47). As a result, the main control unit 11
determines that the transfer will be made in cash, and displays "Please press the transfer amount" on the CRT display 5.
The numeric keypad and amount key are displayed (ST48).
Next, the customer follows the instructions and inserts the amount to be transferred (ST49). By this input, the main control unit 1
1 causes the CRT display unit 5 to display the message ``To specify the destination, press the specified key, and to use a transfer card, insert it into the bankbook or transfer card slot'' and to display the specified key (ST50). . Next, the customer inserts the specified key according to the instructions (ST51). When the main control unit 11 determines that this specified key has been input, the main control unit 11
The CRT display unit 5 displays the message "Please press the destination and financial institution type (institution code)" and also displays the financial institution type name and the key corresponding to the type name in the order of the institution code (ST104). Following this guidance, the customer presses the key corresponding to the type of financial institution to which the transfer is to be made (ST105). By pressing down, the main control unit 11
The CRT display section 5 displays "Please enter the initial letter of the name of the destination financial institution" and also displays the katakana key, correction key, and completion key (ST106). In response to this guidance, the customer enters the initial letter of the financial institution's name (ST107). At this time, the corresponding financial institution type is determined based on the selected institution code, the table <sub>232</sub> in which the financial institution name of that type is stored is selected, and this table 232 is selected.
3 The name of the financial institution corresponding to the initial letter above is read from <sub>2</sub> . When the completion key is pressed, the main control section 11 causes the CRT display section 5 to display "Please press the name of the destination financial institution" and a selection key for the financial institution name (ST52). Following this guidance, the user presses down the name of the gold foundation institution (ST53). If the main control unit 11 determines that branch names can be listed by pressing this button,
A branch name selection key is displayed on the CRT display section 26 that says "Press destination branch name" (ST54). Next, the customer presses the branch name selection key in accordance with the instructions (ST55). By pressing this button, the main control unit 11 causes the CRT display unit 5 to display ``Please enter the destination account number and deposit type'' and also causes the numeric keypad, correction key, normal key, and current key to be displayed (ST56). Following this guidance, the customer enters the account number and deposit type (ST57). By this input, the main control unit 11
If it is determined that the branch is not the main branch, the CRT display section 5
``Press the recipient's name'' is displayed, as well as a katakana key, a correction key, and a completion key (ST58). Then, when the completion key is pressed (ST59), or when the main control unit 11 determines that it is the main branch, the main control unit 11 displays “Please enter the client's name” on the CRT display unit 5, and also displays the message in katakana. Display the completion key (ST60). Following this guidance, press the client's name and the completion key (ST61). By pressing the completion key, the main control unit 11 displays the message "Please enter the client's telephone number" and also displays a numeric keypad and a completion key (ST62). Based on this guidance, the customer presses the phone number and completion key (ST63). By pressing this completion key, the main control unit 11 causes the CRT display unit 5 to display "Currently processing by computer. Please wait for a while" (ST64). The main control unit 11 also sends and receives inquiry messages, and causes the results to be printed on journal paper 59. Next, the main control unit 11 causes the CRT display unit 5 to display the message "Please confirm the details of the transfer," as well as display the transfer details, a confirmation key, and a cancellation key (ST65). Following this guidance, the customer inserts the confirmation key or cancellation key (ST66). When the main control unit 11 determines that the cancellation key has been inserted, it performs a cancellation process, and when it determines that the confirmation key has been inserted, the CRT display unit 5 displays the following message: ``Please insert banknotes and coins into their respective slots.''
If you agree, please press the confirmation key" is displayed, along with a confirmation key and a cancellation key (ST67). Following this guidance, the customer inserts the bill into the bill insertion slot 3 and coins into the coin insertion slot 8 (ST68). Then, the banknotes are received by the deposit/withdrawal unit 14 for inspection and counting, and the coins are received by the coin deposit/disbursement unit 15 and counted for inspection. When the inspection counting is completed, the main control unit 11
causes the CRT display section 5 to display the input amount on the display in step 67 (ST69). In response to this guidance, the customer inserts the confirmation key or cancellation key (ST70). Then, when the main control unit 11 determines that the cancellation key has been input, cancellation processing is performed. In addition, if the main control unit 11 determines that the confirmation key has been input, the CRT
Display unit 5 will display “Currently processing the computer.
Please wait for a while" is displayed (ST71). The main control unit 11 also transmits and receives the transfer message, and prints the result on the journal paper 59 using the printing device 76. Upon completion of this printing, the main control unit 11 determines whether or not there is change by comparing the transferred amount with the withdrawn amount or input amount. When the main control section 11 determines that there is change, the CRT display section 5 displays the message "Please receive bills and coins from their respective receiving slots" and displays the amount of change (ST72). At this time, the main control section 11 operates the deposit/withdrawal unit 14 to release change bills into the bill insertion slot 3, operates the coin deposit/withdrawal unit 15,
Change coins are released into the coin receiving slot 9. As a result of this release, the customer receives change (ST73). When the receipt of change is completed, or when the main control unit 11
When it is determined that there is no change, the main control unit 11
``Do you need a transfer card?'' is displayed on the CRT display unit 5, and required keys and unnecessary keys are displayed (ST74). Following this guide,
The customer presses the necessary key (ST75). Then,
The main control unit 11 prints the transfer information such as the name of the financial institution to which the transfer is made, the branch name, the account number, the item, the account name, the client's name, and the telephone code using the passbook printing unit 13, and also prints the transfer information recorded on the magnetic stripe 32. A transfer card 10 as shown in FIG. 4 is issued from the passbook and transfer card insertion slot 7. At this time, the main control section 11 causes the CRT display section 5 to display "Please receive the transfer card" (ST76). Following this guidance, the customer receives the transfer card 10 (ST77). When the receipt of the transfer card 10 is completed, or when the unnecessary key is pressed in step 25 (ST78), the main control unit 11 displays the CRT display unit 5, “Please receive your ID card and receipt.”
is displayed (ST79). Next, the customer uses the ID
Card M and receipt are received, and the transfer process is completed (ST80).

Also, following the instructions displayed in step 50,
When the customer inserts the transfer card 10 into the passbook and transfer card slot 7 (ST81), the transfer card 10
is accepted by the passbook printing section 13, and the magnetic head 50 prints the transfer information in the stripe section 32, that is, the institution code of the transfer destination, the initial letter of the financial institution name and its code, the initial letter of the branch name and its code, the account number, and the account type code. , the client's name, telephone number, and expiration date of the transfer card are output to the reading main control section 11. As a result, the main control unit 11 searches the table ₂₃₁ in the storage unit 23 using the institution code, reads out the type of financial institution corresponding to this institution code and the first address of the financial institution name group of this type, and reads out the first address of the financial institution name group of this type. A search is performed using the initial letter of the financial institution name using Table 23 ₂ from 2007 to read the corresponding financial institution name code. Then, the main control unit 11 checks whether the financial institution name code read from the magnetic stripe 32 and the financial institution name code read from the table ₂₃₂ match. When the financial institution name codes match, the main control section 11 causes the CRT display section 5 to display "Currently processing the computer. Please wait for a while" (ST82).
The main control unit 11 also sends and receives inquiry messages and prints the results on journal paper 59. Next, the main control section 11 causes the CRT display section 5 to display the message "Please confirm the details of the transfer," as well as display the transfer details, a confirmation key, and a cancellation key (ST83). Following this guidance, the customer inserts the confirmation key or cancellation key (ST84). When the main control unit 11 determines to insert the cancellation key, it performs a cancellation process, and when it determines to insert the confirmation key, the CRT display unit 5 displays the following message: ``Please insert banknotes and coins into their respective slots. "Please press the confirmation key" is displayed, as well as a confirmation key and a cancellation key (ST85). Following this guidance, the customer inserts bills into the bill insertion slot 3 and coins into the coin insertion slot 8 (ST86). Then, the banknotes are received by the deposit/withdrawal unit 14 for inspection and counting, and the coins are received by the coin deposit/disbursement unit 15 and counted for inspection.
When the inspection counting is completed, the main control unit 11
The input amount is displayed on the display of step 85 on the CRT display unit 5 (ST87). In response to this guidance, the customer inserts the confirmation key or cancellation key (ST88). Then, when the main control unit 11 determines that the cancellation key has been input, cancellation processing is performed. If the main control section 11 determines that the confirmation key has been input, it displays on the CRT display section 5 the message "Currently processing the computer. Please wait for a while" (ST89). The main control unit 11 also transmits and receives the transfer message, and prints the result on the journal paper 59 using the printing device 76. Upon completion of this printing, the main control unit 11 determines whether or not there is change by comparing the transferred amount with the withdrawn amount or input amount. When the main control section 11 determines that there is change, the CRT display section 5 displays the message "Please receive banknotes and coins from their respective receiving slots" and displays the amount of change (ST90). At this time, the main control section 11 operates the deposit/withdrawal unit 14 to release change bills into the bill insertion slot 3, operates the coin deposit/withdrawal unit 15,
Change coins are released into the coin receiving slot 9. As a result of this release, the customer receives change (ST91). When the receipt of change is completed, or when the main control unit 11
When it is determined that there is no change, the main control unit 11
Please receive the transfer card on CRT display 5.”
is displayed (ST92). Following this guidance, the customer receives the transfer card 10 (ST93).
When the receipt of the transfer card 10 is completed, the main control section 11 causes the CRT display section 5 to display "Please receive the ID card and receipt" (ST94). Next, the customer receives the ID card M and the receipt, and completes the transfer process (ST95).

As mentioned above, we have made it possible to record the name of the financial institution to which the transfer is being made, that is, the institution code, on the transfer card, so whether the transfer transaction requires key entry of the transfer destination or the transfer transaction using the transfer card, the name of the financial institution of the transfer destination is recorded. can be searched quickly. For this reason,
It is possible to improve the serviceability and the operating rate without increasing the cost of the automatic transaction device.

〔Effect of the invention〕

As detailed above, according to the present invention, it is possible to provide an automatic transaction device that can quickly search for the name of a financial institution to which a transfer is to be made, whether the transfer is by key entry or by using a card-like medium. .

[Brief explanation of drawings]

The drawings are for explaining one embodiment of the present invention, and FIG. 1 is an external perspective view of an automatic transaction device, and FIG.
The figure shows an example of a display on a CRT display section, Figures 3 and 4 are plan views for explaining the configuration of a transfer card, Figure 5 is a diagram for explaining an example of magnetic stripe recording, and Figure 6 The figure is a schematic configuration diagram of the main parts of the electric circuit, Figure 7 is a diagram for explaining an example of storage of a table in the storage unit, Figure 8 is a sectional view showing the configuration of the passbook printing unit, and Figure 9 is a transfer process. This is a flowchart for explaining the method. 3...Banknote insertion slot, 5...CRT display section, 6...
...ID card slot, M...ID card, 7...Passbook, transfer card slot, 8...Coin slot, 10
... Transfer card card-like medium, 11 ... Main control section, 13 ... Passbook printing section, 23 ... Storage section,
31...Surface of transfer card, 32...Magnetic stripe, 50...Magnetic head, 56...Printing head, 69...Storage section, 70...Takeout roller.

Claims (1)

[Scope of Claims] 1. In an automatic transaction device that performs transfer transactions according to the operation of a user, provided for each type of financial institution, each 50
a plurality of first storage means storing financial institution names and their financial institution name codes in phonetic order; a second storage means for storing selection information for selecting one of the first storage means in which financial institution names for each type are stored; An input means for inputting payee information and payer information including characters, and an acceptance device for accepting card-like media on which payee information and payer information including an institution code, financial institution name initial, and financial institution name code are recorded. a reading means for reading the transfer destination information and the payer information including the institution code, financial institution name initials, and financial institution name code recorded on the card-like medium accepted by the receiving means; One of the first storage means corresponding to one form is selected based on the selection information stored in the second storage means according to the engine code selected, and the selected first storage means is stored. Extract the financial institution name code corresponding to the first letter of the above financial institution name from the content, compare this extracted financial institution name code with the financial institution name code read by the above reading means, and respond to the matching financial institution name code. a first processing means for reading out from the first storage means the name of a financial institution to be transferred; and a first processing means for remittance information consisting of the financial institution name etc. read by the first processing means and remittance information read by the above-mentioned reading means. Therefore, a second processing means for performing a transfer process, and a first storage means corresponding to the type of financial institution according to the type of financial institution and the initial letter of the name of the financial institution inputted by the input means. select one,
a third processing means for extracting a financial institution name corresponding to the first letter of the financial institution name from the memory content of the selected first storage means and displaying the extracted financial institution name; A selection means for selecting one of the financial institution names displayed by the customer's operation, and a remittance information consisting of the financial institution name etc. selected by this selection means and the remittance information entered by the above input means. An automatic transaction device characterized by comprising: a fourth processing means for performing a transfer process using a transfer method;