JPH04181467A - Subrogating payment method for cash automatic transaction device - Google Patents

Abstract

PURPOSE:To improve the service to a user without charging a commission to the user by recording and detecting information of subrogating payment from another bank at the time when a payment transaction is impossible because of reduction of the cash balance. CONSTITUTION:A magnetic card, an IC card, or the like is provided with a means 26 (storage part) where information of the other tie-up banks is preliminarily stored. A cash balance detecting part 21 detects the balance in a cash receipt/payment part 20; and if the balance is so small as to execute the payment transaction, information of subrogating payment from another bank is recorded on the inserted card and this card is returned when the user executes the payment transaction on a picture display part 24. Thus, the user can receive the service of subrogating payment transaction of another bank without being charged with the commission when the payment transaction in another bank is necessary.

Description

[Detailed Description of the Invention] [Industrial Field of Application] The present invention relates to a cash payment method for automated teller machines, and in particular, it is possible to perform cash payment partnership transactions in distinction from affiliated transactions with financial institutions that are similar to financial institutions. This invention relates to payment methods for automated teller machines.

[Prior Art 1] With the spread of the two-day weekend system in financial institutions and the rationalization of processing, there is a demand for multi-functionality of automated teller machines and improved services for users.

For example, in the device described in Japanese Unexamined Patent Publication No. 63-83865, as shown in FIG. If this information is stored in advance and the device is discontinued due to a problem such as a low amount of banknotes or a poor conveyance, the control unit 32 reads the nearest information from the storage unit 33 and outputs it to the CRT display output unit 34 and statement sheet. Print output section 35
, select an operable output section from the audio output section 36,
The nearest information is output.

By pre-memorizing the nearest information of affiliated financial institutions in such devices, even if the affiliated financial institution is the only one closest to the device, users can receive transaction services using affiliated financial institutions. can be provided.

[Problem to be solved by the invention]

In the above-mentioned conventional technology, since the amount of cash remaining at the bank with which the user operates is low, the user has to pay a fee even when performing a payment transaction using an automated teller machine of another bank.

The present invention reduces the amount of cash remaining in the automated teller machine,
If a payment transaction becomes impossible, information on the payment made by another bank will be recorded on the medium, and a guide will be displayed on the screen indicating the location of nearby automated teller machines, so that the user can When a payment transaction is made using a transaction device, by detecting the payment information recorded on the medium by another bank, it is possible to improve the service provided to the user without burdening the user with fees. An object of the present invention is to provide a payment method for an automated teller machine.

[Means for Solving the Problems] In order to achieve the above object, the cash payment method for an automated teller machine of the present invention includes a cash withdrawal section, a remaining amount detection section, a screen display section, a card section, a transmitting/receiving section, In automatic teller machines, which are equipped with a control unit that controls these, and in which users insert transaction cards such as magnetic cards or IC cards to deposit and withdraw cash, the nearest information of other affiliated financial institutions (individually set It is equipped with a means (storage unit) for storing in advance payment information such as fees, location, map, etc., and when the remaining amount detection unit detects that the remaining amount of cash is low, when the user performs a payment transaction, the storage unit reads out the nearest information of the card, sets that information in the card's recording section, and displays guidance to guide the user to the automatic teller machine of a nearby affiliated financial institution. When a card is inserted into a financial institution's automated teller machine, the payment information set in the card's recording section is determined and the transaction is performed in a way that is not a normal affiliated transaction, such as a payment transaction that does not require the user to pay any fees. The feature is that payment transactions are conducted separately.

[Operation] In the present invention, since the payment information of the affiliated value is recorded on the card inserted by the user and then the payment transaction by another bank is induced, the automated teller machine of another bank will not be able to use the card. You can recognize the reason why a payment transaction is required.

Therefore, for example, if a user needs to make a payment transaction at another bank because the amount of cash remaining in their automated teller machine has become low, the user can make the payment transaction at another bank without incurring any fees. You can receive the following services.

Furthermore, by changing the set value of fees depending on the card, fees can be set for each affiliated financial institution, making it possible to provide services compatible with a variety of affiliated relationships.

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

FIG. 3 is a perspective view schematically showing an automated teller machine to which the cash payment method of the present invention is applied.

In Fig. 3, 1 is an insertion slot for a medium such as a magnetic card, 2
is the CR1 screen for displaying various guidance.

FIG. 4 is a configuration diagram of an automatic cash transaction system to which the cash payment method of the present invention is applied.

In FIG. 4, 3 to 5 are automatic teller machines installed in Bank A, 6 to 8 are automatic teller machines installed in Bank B, and 9 to l are A bank host 15 and automatic teller machine 3.
- 5, 12 to 14 are lines that connect Bank B host 16 and automatic teller machines 6 to 8, 15 is Bank A host, 16 is Bank B host, 17 is affiliated computer network system (M7C3) 19 and the line connecting A bank host 15, 18 is MIC319 and B bank host 16
19 is the MIC3.

In this embodiment, through 11C51 and 9, customer transaction data (including price payment information) is transferred to bank A's automatic teller machines 3 to 5 and bank B's automatic teller machines 6 to 8.
communicate with.

FIG. 5 is a block diagram showing a part of an automatic teller machine in an embodiment of the present invention.

In FIG. 5, 20 is a cash input/output unit, 21 is a cash remaining amount detection unit, 22 is a card unit, 23 is a control unit, 24 is a screen display unit, 25 is a message transmission/reception unit, 26 is a storage unit, and 27 is a host device. This is the line section to.

This storage unit 26 stores in advance nearby information (neighborhood maps of automated teller machines of the bank's own bank and other affiliated banks, fees, etc.).

Further, the control unit 23 controls each unit, and when the remaining amount of cash in the device is particularly low, the control unit 23 refers to the storage unit 26 to display a guide to the nearest automatic teller machine, and also displays the information on the inserted card. to record payment information.

Next, we will describe the procedure for paying in cash when the amount of cash remaining in the device is low.

FIG. 1 is a flowchart showing a process for guiding a cash payment transaction in an embodiment of the present invention, and FIG. 6 is an example of a screen display in an embodiment of the present invention.

As shown in FIG. 1, before the user makes a transaction, the remaining cash amount detection unit 21 shown in FIG. If possible, when the user performs a payment transaction on the screen display section 24 (101
- 1o3), the card section 22 records the price payment information on the inserted cart (104), and returns the card.

Then, the screen display unit 24 displays the nearest information (neighborhood map of value automatic teller machines existing nearby) stored in the storage unit 26 on the screen (105).

In addition, in these steps, a screen as shown in FIG. 6 is displayed on the screen display section 24.

In FIG. 6, 28 is a screen for selecting a desired transaction or service, 29 is a screen for instructing to insert a card after specifying a transaction or service, and 30 is a screen for instructing to input a PIN number. , 31 has a small amount of cash remaining in its own device, so
This is the screen used to guide you to a bargain. Therefore, the screen is displayed in the order of 28 to 31 as indicated by the arrow.

FIG. 7 is a flowchart showing an outline of a payment transaction in one embodiment of the present invention.

In the automatic teller machine of this embodiment, the cart section 22 reads the information recorded on the card (701), determines the card type (702), and if the card is a self-bank card, normal self-bank card processing is performed. conduct.

In addition, if it is a value card, the presence or absence of payment information is detected (703), and if there is payment information, the transaction amount is withdrawn without burdening the user with fees (704, 706);
The receiver hands the balance statement slip to the user (707) and ends the transaction.

In step 703, if there is no cash payment information, the user is responsible for the fees preset between banks, and normal cash payment processing is performed (705).

According to this embodiment, the user can quickly move to a nearby value store using the guide screen, and there is no need to pay fees due to other digit payments, so the service to the user is improved.

[Effects of the Invention] According to the present invention, by providing the medium with information on affiliated finance, it is possible to process the process of determining whether or not there is a fee to be paid by the user.

Further, by changing the set value of the fee depending on the medium, the fee can be set for each affiliated financial institution.

[Brief explanation of drawings]

FIG. 1 is a flowchart showing a process for guiding cash payment transactions in an embodiment of the present invention, FIG. 2 is a block diagram showing a part of a conventional automated teller machine, and FIG. A perspective view showing the outline of an automatic cash transaction device to which the payment method is applied, FIG. 4 is a configuration diagram of an automatic cash transaction system to which the cash payment method of the present invention is applied, and FIG. FIG. 6 is a block diagram showing a part of the transaction device, FIG. 6 is an example of a screen display in an embodiment of the present invention, and FIG. 7 is a flowchart showing an outline of a payment transaction in an embodiment of the present invention. 1: Media insertion slot, 2: CRT screen, 3~8° automatic teller machine, 9~14, 17.18 lines. 1, 5 + A bank host, 16・B bank host, 19
・MIC3, 20・Cash Output Department, 21. Cash remaining amount detection section, 22 Card section, 23. Control unit, 24 screen display unit,
25 is a text sending/receiving unit, 26 is a storage unit. 27・Line section, 28-311 display screen, 32・Control section,
33: Storage section, 34/CR7 display output section. 35. Statement print output section, 36. Audio output section. Figure 1 Figure 2 Figure 3 Figure 5 Figure 2. :> 20 Figure 6 Figure 7

Claims (1)

[Claims] 1. A means for depositing and withdrawing cash, a means for detecting the remaining amount of cash in the cash depositing and withdrawing means, a screen display means for displaying guidance to the user, and a recording unit for transaction cards including magnetic cards and IC cards. A payment method for an automated teller machine in which a user makes deposits and withdrawals of cash, which comprises a means for reading and writing data, a means for transmitting and receiving messages to and from a host device, and a means for controlling the operation of the entire device. is equipped with means for storing payment information that has been individually set in advance with other affiliated financial institutions in the vicinity, and when the above-mentioned remaining amount detection means detects that the remaining amount of cash is low, the user can make a payment transaction with a card. When you select , the payment information will be read out, the payment information from the affiliated financial institution will be set in the card's recording section, and the screen display will provide guidance for guiding you to the automated teller machine of a nearby affiliated financial institution. In addition, if the user inserts the card into the automated teller machine in accordance with the guidance displayed by other affiliated financial institutions,
A cash payment method for an automated teller machine, characterized in that cash payment information set in a recording section of the card is determined, and a cash payment transaction is performed in accordance with the information.