JPH0423301B2 - - Google Patents

Description

[Detailed Description of the Invention] (Prior Art) Transfer processing at metal institutions such as banks is conventionally carried out using a transfer request form, and a teller looks at this transfer request form and determines the name of the recipient's metal institution, head office and branch name. , subject name, account number, account name and name of transfer requestor,
Telephone numbers, transfer amounts, etc. were entered using teller input devices, but the large number of input items made efficient processing difficult and time consuming.

Therefore, automatic transfer devices have recently been developed that automatically perform transfer processing by the customer's own operations, thereby reducing the burden of transfer transactions at counter operations.

For example, in ``Oki Electric Research and Development'' Vol. 50, No. 3, published in December 1982, the customer himself inputs data regarding the transfer destination and the transfer requestor by operating a kana keyboard while looking at the display.
Further, an automatic transfer device has been disclosed in which when transferred cash is inserted, the device determines the authenticity, denomination, and counts the money, and automatically processes the transfer transaction.

This automatic transfer device performs all the data entry and processing required for transfer transactions by the customer and the machine, which significantly reduces the teller's operational burden.
On the other hand, customers who are not familiar with the operation may find it troublesome and time-consuming to input the transfer destination data and transfer client data.

Therefore, the transfer request form was read directly by the machine,
It has been proposed to simplify the input of transfer destination data and transfer requester data, but if the transfer request form is handwritten, the character recognition rate is low, and even if the transfer request form is printed, it may be misrecognized. Problems remain, such as the need to input corrected data.

On the other hand, transfer transactions are often repeated on a regular basis, such as for loan payments, payment of living expenses to separated family members, etc. Therefore, focusing on this point, we issue a transfer card with the transfer destination and client data stored on a magnetic stripe etc. at the time of the first transaction, and when making subsequent transactions, this transfer card is read by a machine to input the transfer destination etc. There are also attempts to simplify the process.

(Problem to be Solved by the Invention) However, in the conventional transfer transaction processing method using a transfer card, one card corresponds to only one transfer destination, and when the transfer destination is added and becomes multiple, A new transfer card must be issued each time an addition is made. In addition, the customer has to have multiple transfer cards, and unless the transfer destination is clearly indicated on each card, it becomes difficult to know which card to use, and it is inconvenient to carry.

In addition, in the conventional transfer processing method, a transfer card is simply issued when a new transfer destination occurs, so a transfer card that no longer needs to be transferred to that transfer destination is left unused by the customer, and is stored in the card. The transferred transfer client data will be completely wasted.

In view of the above-mentioned problems of the transfer transaction processing system using transfer cards, the present invention aims to reduce the use of transfer cards, make efficient use of them, and improve convenience for customers.

(Means for Solving the Problems) In order to solve the above problems, the present invention provides a transfer transaction processing method in which a teller and a customer mutually operate a transaction. The remittance data is read by the card reading/writing device, the read multiple remittance data are displayed on the customer display device, the presence or absence of remittance is inputted from the customer input means, and when the remittance presence is input, When a transfer transaction is performed based on the transfer destination stored in the transfer card and "No transfer destination" is input, the transfer destination data is input using the teller input means and the storage area provided in the transfer card is inputted. If there is space in the storage area provided on the transfer card, the card reading/writing device transfers the transfer destination data input from the teller input means to this free space. If there is no free space in the storage area provided on the transfer card, selectively write the transfer destination data from among the plurality of transfer destination data already written on the transfer card based on the deletion instruction input from the teller input means. Only one card is erased, and the transfer destination data inputted from the teller input means is written into the erased area by the card reading/writing device.

(Function) In the present invention, a transfer card capable of storing a client and a plurality of transfer destinations is read by the card reading/writing device, and the transfer destination and client data are displayed on the display device. If multiple transfer destinations are displayed, select a specific one using the transfer destination selection means.
If there is no error in the displayed transfer destination data or the selected transfer destination data, confirmation is instructed using the confirmation input means. If the transfer destination is new, specify the addition of the transfer destination using the input device above. Based on this designation, the control device determines from the read data of the transfer card whether or not there is an empty area that can additionally store transfer destination data, and displays the determination result on the display device. If it is determined from the display contents that there is an empty area, new transfer destination data is input from the input device and this data is written on the transfer card. If there is no empty area, confirm whether there is a transfer destination that can be deleted by displaying it on the display device or asking the customer, and if there is, specify the transfer destination and deletion using the input device. Next, new transfer destination data is input using the input device and entered into the transfer card. If there is no transfer destination to be deleted, the process moves on to issuing a new transfer card.

After confirming the transfer destination, the transfer process begins.

(Embodiment) Fig. 2 shows a counter device according to an embodiment of the present invention, in which 1 is a counter that separates the customer side and the teller side, 2 is embedded in the counter 1, and a message to guide the customer to operate is shown. , a customer display device that displays input and confirmation data, transaction processing data, etc., 3 a card reader/writer for inserting a card and ejecting these after transaction processing is completed, 4 a confirmation, cancellation, PIN number, and other information required by the customer. 5 is a statement outlet for discharging transaction statement slips to customers; 6 is a coin inlet/outlet for customers; 7 is a banknote inlet/outlet for customers; 8 is a teller's desk. , 9 is a keyboard where the teller inputs the data and instructions necessary for the transaction while interacting with the customer, 1
0 is a teller display device that displays input transaction data, teller operation guidance text, and other necessary data and messages in the transaction processing process; 11 is a teller display device that inserts a passbook, slip, etc., prints the transaction data, and prints it on the passbook. A passbook processing device that reads and writes the affixed magnetic stripe; 12 is a teller transaction slip outlet; 13 is a banknote inlet/outlet for the teller; 14 is a coin inlet for the teller;
Reference numeral 5 denotes a coin outlet for the teller, and 16 receives the banknotes and coins inserted by the customer or the teller by determining their authenticity, denomination, etc., and counting the amount. This is an automatic cash deposit/withdrawal machine that counts the denomination and number of cash received and discharges them into the customer or teller banknote inlet/discharge ports 7, 13, the customer coin inlet/discharge port 6, and the teller coin outlet 15.

FIG. 3 is a functional block diagram showing the entire structure of the transaction processing system including the above-mentioned teller device, and shows the above-mentioned customer display device 2, card reader/writer 3, pin pad 4, automatic deposit/withdrawal machine 16, passbook processing device 11, keyboard 9, The teller display devices 10 are each organically connected to a teller main control section 17. This counter main control section 17 is connected to a communication control device 18 and communicates with a center system 21 via a transmitting/receiving device 19 and a communication line 20 to exchange transaction data and messages. Center system 2
Reference numeral 1 denotes a transmitting/receiving device 22 connected to a communication line, and a communication control device 2 controlling exchange of transaction data and transaction messages with each store via this transmitting/receiving device 22.
3, and a central processing unit 24 that executes various transaction processes.
and a customer data file 25 that stores transaction data regarding customers.

Next, regarding the transfer transaction in the above configuration, the first
This will be explained with reference to the flowchart shown in the figure.

A customer making a transfer transaction has a transfer card 26 shown in FIGS. 4 and 5, and inserts this into the card insertion slot 3 of the counter 1. This transfer card 26 has an area on the front side shown in FIG. 4 in which the recipient's financial institution name, head/branch name, subject name, account number, account name, client's name, telephone number, etc. The same information is magnetically recorded on a magnetic stripe 26a provided on the back surface shown in FIG. Further, the transfer card 26 can record the above-mentioned data regarding a plurality of transfer destinations, and its magnetic stripe 26a also has a capacity capable of recording data regarding a plurality of transfer destinations.

When the transfer card 26 is inserted, the card reader/writer 3 reads recorded information from the magnetic stripe 26a. When this reading is completed, the teller main control unit 17 displays the transfer card 2 on the customer display device 2.
Display the data regarding the transfer destination read from 6, that is, the recipient's financial institution name, head/branch name, subject name, account number, account name, and data regarding the client;
Ask the customer for confirmation. At this time, if a plurality of transfer destinations are read, all the transfer destination data is displayed on the customer display device 2 as shown in FIG. 6, and the customer is asked to select and confirm the transfer destination.

When the customer looks at the display device 2 and confirms that there are no errors, he presses the numeric button for selecting the transfer destination and the confirmation button on the pin pad 4. As a result, the counter main control unit 17
displays on the teller display device 10 that the confirmation has been made. The teller sees this, asks the customer for the amount to be transferred, and inputs the amount to be transferred from the keyboard 9. This transfer amount will be immediately displayed on the customer display device 2.
will be displayed and you will be asked to confirm. When the customer presses the confirmation button on the pin pad 4, the teller main control section 17 issues a command to the automatic deposit/withdrawal machine 16 to accept cash. As a result, the automatic teller machine 16 opens the banknote inlet/outlet 7 and the coin inlet/outlet 6.

The customer inserts banknotes into the banknote input/output port 7 and coins into the coin input/output port 6 from among the transferred cash that the customer brings. In this case, the amount of cash input may exceed the transfer amount. The automatic deposit/withdrawal machine 16 has a change dispensing function, and if the inserted cash exceeds the designated transfer amount, it can count the difference in cash and discharge it as change. Inserted banknotes and coins are transferred to automatic deposit/withdrawal machine 1
6, the authenticity and denomination are verified, and those identified as fake are returned to their respective input/output ports, and only those identified as true are counted and received.

When the counting of the received cash is completed, the counter main control unit 17 receives the counted amount data from the automatic teller machine 16, compares and confirms that the received amount is equal to or greater than the transferred amount, and displays the data on the customer display device. 2 will be displayed as input cash for transfer and confirmation will be requested.
The customer looks at this and presses the confirmation button on the pinpad 4 if it matches; if it does not match, he presses the cancel button. When the cancel button is pressed, the automatic teller machine 16 returns all of the received cash to the bill slot 7 and the coin slot 6. Further, the teller display device 10 displays the amount to be transferred and the amount received by the automatic deposit/withdrawal machine 16, so that the teller can also confirm the amount.

When the customer presses the confirmation button, the counter main control unit 17 enters a remittance processing operation and sends a remittance message to the center system 21.

When the transfer process is completed, the center system 21 sends a completion message to the corresponding store counter main control unit 17. The counter main control unit 17 then returns the transfer card 26 to the insertion slot of the card reader/writer 3, prints a transfer statement using a sheet printer, and releases it to the statement discharge port 5. If there is change, the automatic teller machine 16 releases the change into the banknote inlet/outlet 7 or the coin inlet/outlet 6 and ends the transfer transaction operation.

On the other hand, when making a transfer to a new transfer destination that is not registered and recorded in the transfer dedicated card 26, the customer presses the no transfer destination button in the pin pad during the transfer destination selection and confirmation process.

As a result, the teller main control unit 17 displays on the teller display device 10 that the transfer destination is not registered and recorded on the transfer card 26.

The teller sees this and informs the customer that the recipient of the current transfer will need to make repeated transfer transactions in the future, so the teller will use the transfer card 2.
6. Check whether additional registration is necessary.

If the current transfer destination is temporary and there is no need to add additional registration to the transfer card 26, the teller returns the transfer card 26 from the insertion slot of the card reader/writer 3 by operating the keyboard 9. The bank prompts the customer to submit a transfer request form, thereby executing the same transfer process as before.

If the current transfer recipient needs to make repeated transfer transactions in the future and additional registration is required on the transfer card 26, the teller can use the keyboard 9 to leave an area on the magnetic stripe of the transfer card 26 where additional registration can be made. Instruct to confirm whether the information is correct or not. With this confirmation instruction, the counter main control unit 1
7 refers to the read data of the card 16 and displays on the teller display device 10 whether or not there is an empty area.

If there is an area left where additional registration is possible, the teller obtains data on the new transfer destination from the customer, enters the new transfer destination data using the keyboard 9, and writes it into the empty area of the magnetic stripe of the transfer card 26. At the same time, customer display device 2
, and thereafter execute the transfer transaction as described above.

If there are no areas left where additional registration is possible, the teller checks with the customer whether there are any transfer destinations with already registered transfer destination data that are unlikely to be used for transfer transactions in the future.

If there is a transfer destination that has already been registered and is unlikely to be used for transfer transactions in the future, the teller specifies it by operating the keyboard 9 and displays the transfer destination on the magnetic stripe of the transfer card 26. By erasing the data and inputting the new transfer destination data obtained from the customer using the keyboard 9, writing it in the erased area and displaying it on the customer display device 2 at the same time, transfer transactions are executed as described above. do.

If there is no remittance data that can be deleted, a new remittance card will need to be issued.

Although one embodiment of the present invention has been described above, the customer or teller may manually enter the transfer destination and transfer request data on the transfer card 26, but a printing mechanism may be provided in the card reader/writer 3. ,
It is also possible to cause the printing mechanism to print by the tenor operating the keyboard 9 and inputting data. Further, the insertion of cash, the release of change, and the release of transaction slips may be performed either on the customer side or on the teller side with the counter 1 as the boundary. Furthermore, the transfer destination, transfer amount, etc. may be confirmed by the teller rather than by the customer, as in the past, or it is also possible to provide a new transfer destination data entry method on the customer side and have the customer input the data themselves. It is.

Note that the transfer card 26 is not limited to the configuration of the above embodiment, but can also be used in common with a cash card or credit card by adopting the type and type system of the JIS B9560 standard, or can be used as a data storage means. An IC consisting of a memory element as
Chips may also be used.

(Effects of the Invention) As explained above, according to the present invention, a transfer card capable of storing a plurality of transfer destination data on one card is used, and transfer destination data is added or changed within the range that can be stored in the transfer card. Since it is possible to specify this using the teller input means, it is possible to reduce the issuance of new transfer cards to the same payer, thereby reducing the issuance processing work and the cost required for this. Additionally, customers who have multiple remittance destinations no longer need to carry multiple remittance cards. In addition, it is possible to store new transfer destination data in place of transfer destinations that no longer receive transfer transactions.1
This has the effect of making effective use of the cards and the client data stored therein. Furthermore, since an experienced teller can instruct adding or changing the transfer destination data using the teller input means, the operation time can be significantly reduced.

[Brief explanation of drawings]

Fig. 1 is a flow chart showing the processing operation procedure in an embodiment of the present invention, Fig. 2 is an external view of the device in the embodiment of the present invention, Fig. 3 is a system configuration diagram of the embodiment of the present invention, Figs. FIG. 5 is a diagram showing an example of a transfer card used in the embodiment of the present invention, and FIG. 6 is a diagram showing an example of a transfer destination selection display screen in the embodiment of the present invention. 1...Counter, 2...Customer display device, 3...
...Card reader/writer, 4...Pin pad, 9...
... Keyboard, 10 ... Teller display device, 16
... Automatic deposit/withdrawal machine, 17... Counter main control unit, 26
...Transfer card.

Claims (1)

[Scope of Claims] 1. In a transfer transaction processing method in which a teller and a customer mutually operate a transfer transaction, a plurality of transfer destination data stored in a transfer card are read by a card reading/writing device. Displaying the transfer destination data on the customer display device, inputting the presence or absence of the transfer destination from the customer input means, and when the presence of transfer destination is input, transfer transaction based on the transfer destination stored in the transfer card. , and when "No remittance destination" is input, input the remittance data from the teller input means and input an instruction to check whether there is free space in the storage area provided on the remittance card, and then input the remittance data to the remittance card. If there is free space in the provided storage area, the card reading/writing device writes the transfer destination data input from the teller input means into this free space, and if there is no free space in the provided storage area of the transfer card, Based on the deletion instruction inputted from the teller input means, one of the plurality of transfer destination data already written on the transfer card is selectively deleted, and the teller input is written in this erased area. A transfer transaction processing method, characterized in that the transfer destination data inputted from the means is written by the card reading/writing device.