JPH04359368A - Transfer control method for automation equipment - Google Patents

Abstract

PURPOSE:To improve client service and the processing efficiency of an automation equipment by performing the processing with the processings preceding to the selection of a transfer destination input up to a prescribed number of times omitted when several transfers are conducted. CONSTITUTION:An automatic teller machine(ATM) and a center 2 controlling plural ATMs 1 are provided. In the case of a transfer from a card account, when a client inputs a cypher code, selects the input of transfer destination and performs a prescribed transfer input operation, the ATM 1 designates the end of the transfer destination. When the prescribed number of inputs are consecutively designated by the end designation of the transfer destination, the processing of the transfer input operation is conducted while omitting the processings preceding to the selection of the transfer destination input up to the prescribed number of times. Thus, the number of input items can be reduced for plural transfer destination designations.

Description

[Detailed description of the invention]

0001

[Industrial Application Field] The present invention is an automatic transaction device that is installed in a financial institution, etc., and has functions such as withdrawal of cash, deposit, entry into a bankbook, and transfer of cash using a card or bankbook by the customer's own operation. (ATM: Auto Teller M
In particular, it relates to a transfer control method for automated equipment such as achine).

0002

[Prior Art] Today, many automatic transaction devices have been introduced in financial institutions, etc., and by introducing these automatic transaction devices, it is possible to save labor in counter operations, and also to reduce the need for operations outside of counter business hours and on holidays. Efforts are being made to improve services for users. In such an automatic transaction device, for example, when a customer chooses to transfer money from his/her card account, he/she inserts a magnetic card, inputs a personal identification number, etc., and then inputs predetermined information regarding the transfer destination. Thereby, the automatic transaction device communicates with a center that controls a plurality of automatic transaction devices, and executes a transfer transaction to the customer based on the result of this communication.

[0003] Figures 5 to 8 show the flow of such a transfer transaction. Here, FIGS. 5 and 7 show transfer from a card account, and FIGS. 6 and 8 show transfer by cash. Further, "from a card account" refers to a transfer by debiting the account of the customer making the transfer, and "by cash" refers to a transfer transaction by inserting cash into an automatic transaction device. Furthermore, when entering a transfer destination, specifying each time means specifying the transfer destination each time a transfer transaction is made, and the registration number means that the transfer destination is registered as a number.
This is a method of transferring funds by entering the registration number. A transfer card is a transfer method using a card on which predetermined information about the transfer destination is magnetically recorded.

[0004] In addition, as for processing/operations, first, in FIG. S4)
, Transfer destination input selection (Step S5), Registration number input (Step S6), Transfer card input and contents check (Step S7), Financial institution type selection (Step S8), Financial institution initials (Step S9), Financial institution name Designation (Step S10), Input the initial letter of the branch name (Step S11),
Specify branch name (step S12), enter subject/account number (
step S13), recipient name input (step S14),
Enter client name (step S15), enter client phone number (step S16), enter transfer amount (step S17)
, transfer destination inquiry transmission/reception (step S18).

Furthermore, in the process of FIG. 7, recipient confirmation (step S19), client confirmation (step S20),
Transfer card issuance selection (step S21), client phone number input (step S22), cash deposit operation (step S21)
23), Transfer payment sending and receiving (Step S24), Preprint (electronic journal, statement slip) (Step S25),
Sending and receiving transfer money (step S26), printing statement slip (step S27), returning transfer card and issuing statement slip (step S28), returning transfer card (step S29), updating magnetic card (step S30), returning card (step S31) , magnetic card return and statement slip release (step S32), transfer card issue and statement release (step S33), change release (step S34), and statement slip release (step S35).

[0006] For example, when making a transfer from a card account to a beneficiary at the same head office or branch as the financial institution where the transfer is made each time, steps S1, 2, 3, 4, 5, 8, 11, 12,
13, 17, 18, 19, and 21, and this step S
If the transfer card is not issued in the option of issuing a transfer card in Section 21,
After that, steps S24, 25, 26, 27, 30, 3
2, and if a transfer card is issued, step S22,
Perform steps 24, 25, 26, 27, 30, 31, and 33. Note that in the figure, processes indicated by triangles indicate steps that are performed depending on conditions. For example, when inputting the initial letters of a financial institution in step S9, normally the initial letter of the financial institution is input, but if the bank name has a small number of identical initial letters, the bank name is directly displayed, so the financial institution in steps S9 and 10 Initial letter input and financial institution name specification processing are not performed.

[0007]

[Problems to be Solved by the Invention] The conventional transfer control method for automated equipment is configured as described above, and only one transfer transaction can be made in one transfer transaction. Therefore, when making multiple transfers, after completing one transfer,
The same operation must be performed from the beginning each time. For example, when transferring money from a card account, it was necessary to perform operations such as inserting the card and entering a password each time.

[0008] From the above, in the case of transfer from a card account, as mentioned above, there is a problem that the card to be used must be inserted into the automated equipment each time, and all input data items must be entered. there were. Further, in the case of cash transfer, in addition to the problem of transfer from a card account, there is also the problem that a cash deposit operation is required each time. The present invention was made to solve the above-mentioned conventional problems, and an object of the present invention is to provide a transfer control method for automated equipment that can improve customer service and improve the processing capacity of automated equipment.

[0009]

[Means for Solving the Problems] A transfer control method for an automated device according to the present invention is such that a transfer destination is input through a predetermined operation, and the automated device then processes the transfer by communicating with a center that controls the automated device. In a transfer control method for an automated device that performs a transfer, a transfer destination input end designation means is provided for specifying whether or not to continue inputting the transfer destination, and when the transfer destination input end designation means specifies continuous input, This method is characterized in that the processing before selecting the transfer destination is omitted, and the transfer destination input selection is performed a predetermined number of times.

0010

[Operation] In the transfer control method for automated equipment of the present invention, for example, in the case of transfer from a card account, the customer first inputs a password, etc., and then selects a transfer destination and performs a predetermined transfer input operation. When this transfer input operation is completed,
The automated device specifies the end of the transfer destination. If a predetermined number of inputs are subsequently specified as a result of this transfer destination end designation, the transfer input operation process is performed, omitting the process before the transfer destination input selection, from then on up to a predetermined number of times. Therefore, it is possible to reduce the number of input items for specifying a plurality of transfer destinations, and as a result, not only can customer service be improved, but also the processing capacity of automated equipment can be improved.

[0011]

Embodiments Hereinafter, embodiments of the present invention will be explained in detail with reference to the drawings. FIG. 9 is a configuration diagram of an operating system for an automatic transaction device to which the method for controlling transfers for automated equipment according to the present invention is applied. In the figure, 1 is an automatic transaction device (ATM).
eller Machine), 2 is a center that supervises a plurality of automated transaction devices 1. The automatic transaction device 1 includes a central processing unit (CPU) consisting of, for example, a microprocessor.
) 11, a memory 12 connected to the central processing unit 11, a communication control device 13 connected to the central processing unit 11,
A sound generator 14 also connected to the central processing unit 11,
Operation procedure display section 15, customer operation section 16, card reader 1
7. Slip issuing machine 18, passbook recording machine 19, cash deposit/withdrawal machine 2
It is composed of 0, etc.

[0012] The voice generator 14, under the control of the central processing unit 11, provides voice guidance to the customer for operating equipment for transactions and other various types of guidance. Further, the operation procedure display section 15 is for displaying procedures and guidance for operating equipment for transactions to customers. The customer is guided sequentially using letters, figures, illustrations, etc., and the customer performs the desired task by touching the instructed operation procedure display section 15 with his or her finger. Here, a transparent keyboard called a so-called touch panel is provided on the operation procedure display section 15.
This functions as a customer operation section 16 that is operated by the customer. In addition, these operation procedure display section 15, customer operation section 16,
The central processing unit 11 constitutes the transfer destination input end designation means of the present invention.

Furthermore, the card reader 17 reads data recorded on the card, and is used by the slip issuing machine 1.
Reference numeral 8 prints transaction details on a statement slip and issues the transaction statement slip. The passbook recording machine 19 records predetermined items in a passbook, and the cash deposit/withdrawal machine 20 deposits and withdraws cash, receives statement slips created as transaction results, and sends them to customers. This is a device that performs processing such as discharging. The communication control device 13 of the automatic transaction device 1 is connected online to the center 2 via a modem 21 and a communication line 22.

Next, a transfer control method of the automatic transaction device 1 will be explained. 1 to 4 are diagrams showing the flow of a transfer transaction according to the present invention. These FIGS. 1 to 4 correspond to conventional FIGS. 5 to 8, and FIGS. 1 and 3 show transfers from a card account, and FIGS. 2 and 4 show transfers by cash. Here, the transfer control method of the present invention is characterized in that step S18 specifies the end of transfer destination input, and step S19 specifies transfer card return.

[0015] Each transfer transaction will be explained below as an example. [When transferring money from a card account to the main branch (P1)] First, in steps S1 to S17, wait for transaction selection, wait for cash/card selection, inhale and check magnetic card, enter PIN, select transfer destination, select financial institution type. , inputting the first letter of the branch name, specifying the branch name, inputting account/account number, and inputting the transfer amount are the same as before. Then, when the transfer amount is input, in this embodiment, a transfer destination input end designation is performed (step S18). FIG. 10 is a diagram showing the transfer destination input end designation screen. That is, in this embodiment, it is possible to select whether or not to input the transfer destination consecutively, and it is configured such that it is possible to specify four transfer destinations in one transaction.

[0016] When specifying the end of transfer destination input, if it is specified to continue input, the next transfer transaction will be sent to the financial institution without performing the process of waiting for transaction selection (step S1) to selection of transfer destination input (step S5). The process moves to type selection (step S8). For example, if there are 4 specifications in the transfer destination input end specification, this is performed for 4 instances, and step S2
Proceed to step 1 to confirm the recipient. Further, the operations after this (steps S21 to S37 in FIGS. 3 and 4) are the same as the conventional operations (
Since it is the same as steps S19 to S35) in FIGS. 7 and 8, the explanation thereof will be omitted. In addition, in the case of a transfer to another bank (P2) in the case of a transfer to another bank in the case of specifying each time, the initial of the financial institution (Step S9), the financial institution name specification (Step S10), and the beneficiary name input (Step S14) are required. This is the same as the case of transfer (P1). Further, in the figure, the △ mark indicates that processing is performed depending on the conditions.

[0017] <When making a transfer from a card account using a registration number (P3)> In this case, the above specified (P1, P2)
) is that the registration number is input (step S6) after the transfer destination is selected (step S5). After that, input the transfer amount (step S17).
Then, specify the end of inputting the transfer destination (step S18).
. If "Continue input" is selected in the transfer destination input end designation, the process returns to step S6 and is repeated for the designated number of entries. Note that the subsequent operations are the same as in the conventional case.

<In the case of transfer from a credit card account to a transfer card (P4)> In this case, after selecting the transfer destination (step S5), inhale the transfer card and check the contents (step S7), and then confirm the transfer amount. input (step S17), and specify the end of transfer destination input (step S1).
Do 8). If "Continue input" is specified here, the transfer card is returned (step S19), the process returns to step S7, and this process is repeated for the specified number of cases. That is, it is possible to specify multiple transfer destinations by performing a single magnetic card input operation and inserting multiple transfer cards. As mentioned above, in the case of transfer from a card account, 1
You can specify multiple transfer destinations with just one magnetic card operation.

《In the case of cash transfer to the main branch (P5)
)》In this case, if "Continue input" is specified in step S18 to end the transfer destination input, the process returns to step S8 to select the financial institution type, and then input the first letter of the branch name (step S11) and specify the branch name. (Step S12), subject/
Enter the account number (step S13) and proceed to step S1.
Proceed to step 7, inputting the transfer amount. That is, for the second and subsequent cases, the common items of inputting the client's name (step S15) and client's telephone number (step S16) are omitted, and the transfer amount is entered. In addition, in the cash deposit operation in step S25, the total amount of money from all the transfer destinations is deposited. Therefore, the complicated operation of having to deposit the corresponding amount each time a transfer is made, as in the past, is no longer necessary. In addition, in the case of transfer to another bank (
P6) is the same as the case for the main branch (P5), except that the type of financial institution is selected (step S9), the name of the financial institution is specified (step S10), and the recipient name is input (step S14).

[Cash transfer using a card (P7)] In this case, the difference from the above-mentioned case of transferring money from a card account (P4) is that the magnetic card is sucked and the contents are checked in step S3, and the password is passed in step S4. No input is required, and the other processing shown in FIG. 2 is the same as in the case from a card account (P4). Further, the subsequent processing in FIG. 4 is similar to the conventional processing shown in FIG. 8.

FIG. 11 schematically shows the above transfer process. That is, when a transfer transaction is started, various items for one transaction are first input, and the data is accumulated (step S101). Next, check whether input of various items has been completed or not.
Alternatively, it is determined whether the maximum number of items has been specified in the transfer destination input end designation (step S102), and if the input has not been completed or the maximum number has not been reached, step S101
Return to Center 2 when input is complete or the maximum number of entries has been reached.
The bank inquires about the transfer destination (step S103). By making an inquiry to the center 2, data on the transfer destination is obtained and displayed (step S104). The customer looks at this display and confirms the content (step S105), and if the content is correct, determines whether the confirmation data is complete (step S1).
06), if the data has not been completed, the process returns to step S104 and continues until the data is completed. Further, if the contents of the displayed data are found to be incorrect in checking the contents, the corresponding transaction is canceled (step S107), and the process returns to step S105 to check the contents of the next transaction. When the confirmation of all data is completed, the transfer transaction is sent to and received from the center 2 (step S108), and when this is completed, media processing such as magnetic card return and cash confirmation is performed, and the statement of the transfer transaction is sent. issue (step S109
), the transfer process ends.

[0022] In the above embodiment, 4 transfers are made in one transfer transaction.
Although the system is configured so that transfers can be specified for a number of cases, the number of transfers is not limited to this, and it is possible to specify the number of transfers as appropriate. In addition, although the above embodiment has been explained using an automatic transaction device as an example of automated equipment, other automated equipment such as a dedicated transfer machine, etc., can also be used as long as it automatically performs transfer processing through communication with a center. However, the same effect as in the above embodiment can be obtained.

[0023]

[Effects of the Invention] As explained above, according to the transfer control method for automated equipment of the present invention, when making multiple transfers,
Since the system is configured to omit the process before selecting the transfer destination up to a predetermined number of times, it is possible to reduce the number of input items when specifying multiple transfer destinations, thereby improving customer service.
It is possible to improve the processing capacity of automated equipment.

[Brief explanation of drawings]

FIG. 1 is a flowchart showing a transfer transaction from a card account in a transfer control method for automated equipment according to the present invention.

FIG. 2 is a flowchart showing a cash transfer transaction in the automatic device transfer control method of the present invention.

FIG. 3 is a flowchart showing a transfer transaction from a card account in the automated device transfer control method of the present invention.

FIG. 4 is a flowchart showing a cash transfer transaction in the automatic device transfer control method of the present invention.

FIG. 5 is a flowchart showing a transfer transaction from a card account in a conventional transfer control method for automated equipment.

FIG. 6 is a flowchart showing a cash transfer transaction in a conventional automated device transfer control method.

FIG. 7 is a flowchart showing a transfer transaction from a card account in a conventional transfer control method for automated equipment.

FIG. 8 is a flowchart showing a cash transfer transaction in a conventional automated device transfer control method.

FIG. 9 is a configuration diagram of an operating system for an automatic transaction device to which the automated device transfer control method of the present invention is applied.

FIG. 10 is an explanatory diagram of a transfer destination input end designation screen in the transfer control method for automated equipment according to the present invention.

FIG. 11 is a schematic flowchart of a transfer control method for automated equipment according to the present invention.

[Explanation of symbols]

1 Automatic transaction device (automated equipment) 2 Center 11 Central processing unit 15 Operation procedure display section 16 Customer operation department

Claims (1)

[Claims] [Claim 1] Enter the transfer destination by performing a prescribed operation,
As a result, in a transfer control method for an automated device in which the automated device performs transfer processing through communication with a center that controls the automated device, a transfer destination input end designation means is provided to specify whether or not to continue inputting the transfer destination. . A transfer control method for automated equipment, characterized in that when input is specified continuously by the transfer destination input end designating means, processing before the transfer destination input selection is omitted and transfer destination input selection is performed up to a predetermined number of times.