JPH049356B2 - - Google Patents

Description

[Detailed Description of the Invention] (1) Technical Field of the Invention The present invention relates to a transfer processing method, and in particular, in an automatic transaction device, when a transfer is made, the transfer is made without depositing money into the payer's deposit account. This relates to a processing method that automatically performs transfer processing by using either the balance or the deposit, or a combination of both.

(2) Background of the technology For example, in banks, along with transactions such as payments, deposits, and balance book transfers, transfers are often performed using automatic transaction devices. In this transfer, the transferor transfers the transaction amount to the specified account of the other party, but at this time, the transferor performs the prescribed operation of the automatic transaction device to transfer the amount to the specified account of the other party. specify. In this way, the automatic transaction device checks whether the specified amount has been paid by the sender, and if so, performs the remittance procedure, and if not, does not perform the remittance. It's summery.

(3) Prior art and problems Conventionally, the above-mentioned amount has been paid by depositing the amount specified by the payer (for example,
-Refer to Publication No. 82971), there was a method to withdraw a specified amount from the payer's deposit account. One of these is selected, and the choice is determined at the time of system design, but the following method is generally used.

However, according to the method, if the balance in the transferor's deposit account is less than the specified amount to be transferred, the transfer procedure will not be executed unless the transferor first deposits the insufficient amount into the deposit account and then makes the transfer. Therefore, there was a problem that it took a lot of time to complete the deposit procedure. In particular, if the transferor's savings account is a general account, and monthly payments such as telephone charges are automatically withdrawn and transferred to another account, it is necessary to deposit the transfer into the account in order to prevent the balance from becoming negative. There are cases where you may want to do this. In such cases, it is required to make a deposit without depositing the money into the deposit account, or to transfer the money all at once by using a combination of withdrawal and deposit from the deposit account.

(4) Purpose of the Invention As described above, the present invention aims to improve the problem that conventionally, transfers could only be made by either withdrawal or deposit from a savings account by combining both methods. This provides a transfer processing method that allows transfers to be made.

(5) Structure of the Invention In order to achieve this object, the transfer processing method of the present invention includes a deposit mechanism having a mechanism for counting cash deposited by a customer, and an input means into which transaction data is input by operation input by the customer. , an automatic transaction device having an account transaction unit that debits or deposits the amount specified by the input means from a customer account, further comprising a total amount calculation means for calculating the total amount to be transferred necessary for the transfer, and the input means The transfer amount and transfer destination data are entered, the calculation result of the total transfer amount is displayed, and the transfer is made to the account specified by the above transfer destination data by partial deposit by the above deposit institution and direct debit by the above account transaction department. The feature is that the amount is transferred.

(6) Embodiment of the Invention Next, an embodiment of the present invention will be described based on FIGS. 1 and 2.

FIG. 1 is a configuration diagram of this embodiment, and FIG. 2 is a diagram showing its flowchart.

In the figure, 1 is a keyboard for inputting various data.

Reference numeral 2 denotes a transaction storage section, which stores the selected transaction type, such as deposit or transfer, among the data input from the keyboard 1.

3 is a password data storage unit, and keyboard 1
Among the data input from the customer, the customer's PIN number is stored.

4 is a comparator which compares the password read from the CD card by the card reader described later and the stored password to determine whether they match, and generates an output signal when the two match. It is something.

5 is an amount data storage unit, and keyboard 1
This is to store the amount of data input from the .

Reference numeral 6 is a commission calculator, which is connected to the transaction storage unit 2.
The fee is calculated based on the amount stored in the amount data storage section 5 according to the type of transaction stored in the amount data storage section 5.

Reference numeral 7 denotes a total amount calculation section which adds the data stored in the amount data storage section 5 and the data calculated by the fee calculator 6.

Reference numeral 8 is a beneficiary data storage unit in which the data of the designated account number of the other party of the transfer transaction is stored on the keyboard 1.
It is stored based on the input from.

Reference numeral 9 is a confirmation data storage unit that stores data indicating whether or not the specified account number has been correctly specified.

Reference numeral 10 is a transaction order control unit that controls each terminal device in accordance with the procedure order of transfer transactions and causes the transfer procedures to be carried out.

Reference numeral 11 is a card reader that reads the password of the CD card.

Reference numeral 12 is a printer for printing transaction details. This printer 12 is provided with an imprinter 12a. This imprinter 1
2a is for copying characters such as the name of the owner of a CD card by rubbing pressure-sensitive copying paper against the characters with raised lines.

Reference numeral 13 is a card data buffer for temporarily storing the data of the read CD card.

Reference numeral 14 is a passbook printer, and an auto-turn page mechanism 14 that automatically turns over the pages of the deposit passbook.
a, a passbook magnetic stripe reader 14b that reads the magnetic recording section of the passbook, and a passbook/passbook journal printing section 14c that prints transaction results on the passbook.

15 is a passbook magnetic stripe buffer,
It temporarily stores data read from the magnetic recording section.

Reference numeral 16 denotes a banknote discriminating unit which discriminates whether a banknote is a genuine banknote or an unfit banknote and calculates the total amount of the banknote.

Reference numeral 17 is a safe, which stores banknotes that have been identified as genuine banknotes.

Reference numeral 18 denotes a banknote discrimination data storage section, which stores data on the total amount of genuine banknotes as a result of the above-mentioned discrimination.

Reference numeral 19 is a customer guidance display section that displays and guides the customer through operations on the keyboard 1 that the customer should perform and matters that the customer must confirm as the transaction procedure progresses.

20 is a main control section, which controls the operation of the transaction order control section.

Reference numeral 21 is a line control unit that switches and controls the communication line so that it can communicate with the host computer.

Next, the operation of this embodiment will be explained based on FIG. 2.

When the entire device shown in FIG.
displays the message "Please press the transaction button" and waits for the customer to operate the keyboard 1.

When the customer presses the transfer button on the keyboard 1, the data is sent to the transaction storage section 2 and immediately transmitted from there to the transaction order control section 10.
The start of the transfer transaction will be notified here.

The transaction order control section 10 causes the customer guidance display section 19 to display a message such as "Please insert the CD card into the card reader," and also notifies the card reader 11 to wait for the customer to insert the CD card. When the CD card is inserted into the card reader 11, the card reader 11 reads data such as a personal identification number from the magnetic storage section, which is temporarily held in the card data buffer 13 and sent to the comparator 4 from there. When the transaction order control section 10 is notified that the data has been stored in the data buffer 13, it displays "Please enter your PIN" on the customer guidance display section 19, and prompts the customer to enter the PIN on the keyboard 1. Notify me to wait.

When the customer inputs the password from the keyboard 1, this data is sent to the password data storage section 3, and from there immediately sent to the comparator 4. The comparator 4 compares this data with the data from the card data buffer 13, and if the data match, it generates an output signal and transmits it to the transaction order control section 10. The transaction order control section 10 causes the customer guidance display section 19 to display a message such as "Please enter the remittance amount" and notifies the keyboard 1 to wait for data input.

When the customer inputs the remittance amount using the keyboard 1, this data is sent to the amount data storage section 5, from where it is immediately sent to the total amount calculation section 7, and simultaneously sent to the fee calculator 6. The fee calculator 6 is activated by an activation signal generated from the transfer transaction when it is stored in the transaction storage section 2, and calculates the fee required for the transfer according to the remittance amount. This calculation result is sent to the total amount calculation section 7, where it is added to the remittance amount to obtain the total amount. The total amount data from the total amount calculation section 7 is transmitted to the transaction order control section 10, and from there is further sent to the customer guidance display section 19, where it is displayed.

The customer looks at this display, compares the total amount with the balance of the deposit account, and presses the transfer source selection button on the keyboard 1. This transfer source selection button allows selection of three types of transfer sources; the first is deposit, the second is deposit account, and the third is deposit/account. Here, the third deposit/account indicates a partial deposit and a partial withdrawal from a deposit account, and the first and second are respectively a full deposit as a transfer source and a withdrawal from one's own deposit account as a transfer source. It shows. Now, when the customer selects the third transfer method, partial deposit and partial withdrawal from account, the transaction order control unit 10 retrieves the customer's account number data from the card data buffer 13 and transfers it to the line control unit. 21 to the host computer.

After that, the transaction order control unit 10 causes the customer guidance display unit 19 to display a message such as "Please enter the recipient's registration number" or "Please enter the recipient's store number and account number", and the keyboard 1 to wait for data input. When the customer inputs, for example, the store number and account number, this data is sent to the beneficiary data storage section 8, from where it is immediately sent to the transaction order control section 10.

This data is further sent from the transaction order control unit 10 to the host computer via the line control unit 21, where it is changed from beneficiary numeric data to name data, and this changed data is transmitted from the host computer to the line control unit 21. The information is transmitted to the transaction order control section 10 via the control section 21 and displayed on the customer guidance display section 19 from there. At this time, a message such as ``If the recipient is different, please press the ``OK'' button, and if the recipient is different, please press the ``Impossible''button'' is displayed.

The customer presses the "OK" or "NO" button on the keyboard 1. This data is the transaction order control unit 1
Sent to 0.

When the transaction order control unit 10 receives the data indicating “Acceptable”, the transaction order control unit 10 causes the customer guidance display unit 19 to display “Please insert a banknote” and instructs the banknote discrimination unit 16 to enter an operating state. to notify. When a customer inserts a banknote, the banknote validator 16 identifies each inserted banknote and sends data on the total amount of the genuine banknote to the banknote validation data storage unit 18. This data is immediately sent from there to the transaction order control section 10 and further displayed on the customer guidance display section 19. When the customer sees this and presses the "OK" button on the keyboard 1, this data is sent to the confirmation data storage section 9 and then to the transaction order control section 10, where a transfer request message is created. Here, the content of the transfer request message is a command to deposit the total amount of the banknotes into a deposit account, withdraw the total amount of the transfer amount and fees from the new balance of this account, and transfer it to the recipient's designated account. It is. This message is sent to the host computer via the line control section,
If it is determined that the transaction has been completed, a permission command is transmitted from the host computer to the transaction order control section 10 via the line control section 21.

As a result, the transaction order control unit 10
2 to print the transaction details on the transaction slip. At the same time, the imprinter section 12a prints the CD.
Make a copy of the specified information on the card.

Then, the transaction order control unit 10 releases the CD card and the transaction statement slip, and causes the customer guidance display unit 19 to display a message such as ``Please take the card.'' The customer takes out the card.

In this way, the transfer process ends.

The above is for the case where a CD card is used.
When using a passbook, among the above ~,
, without b′ , e′ , j′ ,
becomes k′ − b′ −− e′ −… j′ −
It becomes like k′. b′, e′, j′, and k′ will be explained below.

b' In the above, customer guidance display section 19
``Please insert a passbook'' is displayed to notify the passbook printer 14 to wait for the passbook to be inserted. When the customer inserts the bankbook, the data in the magnetic recording section of the bankbook is read by the bankbook magnetic stripe reader 14b. This read data is temporarily held in the passbook magnetic stripe buffer 15, and this held information is transmitted to the transaction order control unit 10. From here, a notification is sent to the keyboard 1 to wait for data input.

e' In the above, the transaction order control unit 10 takes out the account number data from the passbook magnetic stripe buffer 15 and sends it to the host computer in the same way.

j' In the above, the transaction order control unit 10 operates the passbook printer 14 to print the transaction details on the passbook.

k' In the above, the transaction order control unit 10 releases the passbook.

In the above case, part of the money was deposited and part of it was withdrawn from the deposit account, but if you want to make the transfer by withdrawing only from the deposit account, press the second button at ~ above and complete the deposit procedure at Just don't do it. In addition, if the transfer money is to be paid only by deposit, please do the following in ~ above.
, press the first button, and change the content of the message to instruct that the remittance amount, which is obtained by subtracting the fee from the deposited amount, be transferred to the recipient's designated account. This is not done in this case. If the transferee has a deposit account, the transfer using only the deposit described above will be similar to ~k' in the case of a CD card and ~k' in the case of a passbook.

(7) Effects of the Invention As explained above, according to the present invention, transfers can be made automatically by combining withdrawals and deposits into a savings account, so customers do not have to decide which method to use for transfers. You can choose. Therefore, even if cash alone or account balance alone is insufficient, if the required total amount is reached when these are added together, the money can be transferred to the other party's account in a single procedure, which improves the service. In addition, even if your savings account has a low balance, you can transfer funds by simply completing the deposit procedure without depositing money into this savings account, so if your savings account has a low balance and you make regular withdrawals every month. However, you can reduce the risk of your balance becoming too low due to too many withdrawals due to transfers.

[Brief explanation of drawings]

FIG. 1 is a block diagram of an embodiment of the present invention, and FIG. 2 is a flowchart of this embodiment. In the figure, 1 is a keyboard, 2 is a transaction storage unit, 3 is a password data storage unit, 4 is a comparator, 5 is an amount data storage unit, 6 is a fee calculation unit, 7 is a total amount calculation unit,
8 is a recipient data storage unit, 9 is a confirmation data storage unit, 10 is a transaction order control unit, 11 is a card reader, 12 is a printer, 12a is an imprinter, 1
3 is a card data buffer, 14 is a passbook printer, 14a is an auto-turn page mechanism, 14b is a passbook magnetic stripe reader, 14c is a passbook/passbook journal printing section, 15 is a passbook magnetic stripe buffer, 16 is a banknote discrimination section, 17 18 is a banknote identification data storage section, 19 is a customer guidance display section, 20 is a main control section, and 21 is a line control section.

Claims (1)

[Scope of Claims] 1. A deposit mechanism having a mechanism for counting cash deposited by a customer, an input means for inputting transaction data through operation input by the customer, and an amount specified by the input means for withdrawing from the customer account. In an automatic transaction device having an account transaction department for processing deposits, a total amount calculation means is provided to calculate the total amount to be transferred necessary for the transfer, and the amount to be transferred and the transfer destination data are inputted from the input means, and the total amount to be transferred is calculated. A transfer processing method characterized in that the calculation result is displayed, and the transfer amount is transferred to the account specified by the transfer destination data by partial deposit by the deposit institution and account debit by the account transaction department.