JPH05120317A - Automatic transfer method - Google Patents

Abstract

PURPOSE:To execute a transfer processing without occupying an automatic transaction device for a long time. CONSTITUTION:A transfer card issuing device 3 to issue a transfer card with the input of prescribed transfer data from a customer is provided independently of an automatic transaction device 2. While the transfer card issuing device 3 is operated, the operating transfer processing of the automatic transaction device 2 is stopped according to an instruction from a center 8, and only the card transfer processing of the transfer card is executed. When the transfer card issuing device 3 is stopped, the operating transfer processing of the automatic transaction device 2 is recovered according to the instruction from the center 8.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic transaction system installed in a financial institution or the like for executing a transfer process and an automatic transfer system composed of a center to which the device is connected via a communication line.

[0002]

2. Description of the Related Art In a financial institution, etc., transfer processing,
An automatic transaction device having various processing functions such as withdrawal processing and transfer processing is installed. In order to perform a transfer process by such an automatic transaction device, conventionally, it is necessary to select and perform a card transfer process using a transfer card and an operation transfer process in which a customer operates and inputs transfer data each time.

That is, in the case of the card transfer process, the transfer card is inserted into the automatic transaction device, and the automatic transaction device reads the transfer data from the card, so that the transfer process can be performed quickly without inputting data. Can be executed. On the other hand, in the case of the operation transfer process, the customer operates the input unit such as the touch panel of the automatic transaction device based on the guidance display on the display, and thereby the transfer data is input and the transfer process is performed.

[0004]

By the way, in the above-mentioned operation transfer process, the transfer data is used by the customer as the transfer destination financial institution name, branch name, account type and account number, transfer destination name, client name. Must be input for each operation. Therefore, in the case of the operation transfer process, it takes a long time to input the transfer data, so that the customer who is performing the transfer procedure occupies the automatic transaction device for a long time. Therefore, there is a drawback that the waiting time of other customers is increased and the service to the customers is deteriorated, and also the operation rate of the automatic transaction apparatus is decreased.

The present invention has been made in order to solve such a point, and an object thereof is to provide an automatic transfer method capable of executing a transfer process without occupying an automatic transaction device for a long time. ..

[0006]

According to an automatic transfer method of the present invention, an automatic transaction apparatus for executing a card transfer process by inserting a transfer card and an operation transfer process by inputting a transfer data of a customer is sent to a center via a communication line. In the connected automatic transfer system, independently install a transfer card issuing device that issues a transfer card by inputting the customer's predetermined transfer data, and control the operation from the center while operating the transfer card issuing device. It is characterized in that the operation transfer process of the automatic transaction device is stopped by the command, and the operation transfer process of the automatic transaction device is returned by the operation return command from the center when the transfer card issuing device is stopped.

[0007]

[Operation] While the transfer card issuing device is operating, the operation transfer process of the automatic transaction device is stopped by the control of the center. Therefore, the automatic transaction device only executes the card transfer process by the transfer card, and the customer who does not have the transfer card can obtain the card with the transfer card issuing device independent of the automatic transaction device. The device can be used by a transfer card. The transfer card issuing device was stopped due to the end of the window business (including inability to use it)
Since the operation transfer process of the automatic transaction device is restored in the case of allowing it, a customer who does not have a transfer card can thereafter execute the transfer process by the automatic transaction device.

[0008]

Embodiments of the present invention will now be described in detail with reference to the drawings. FIG. 1 is a block diagram of an automatic transfer system according to the present invention, and FIGS. 2 and 3 are a block diagram of an automatic transaction apparatus and a block diagram of a center which constitute the system. First, in FIG. 1, reference numeral 1 indicates a business institution of a financial institution, and a plurality of automatic transaction devices 2 are installed in this business institution 1. These automated teller machines 2 are composed of automatic teller machines (ATM), and as will be described later, they execute a card transfer process by a transfer card and an operation payment process by the customer's transfer data input, and deposit / withdraw and transfer, It also executes transaction processing such as bookkeeping. In addition, a plurality of transfer card issuing devices 3 are installed in the branch 1. These transfer card issuing devices 3 issue transfer cards (see FIG. 5) by a customer's input operation, as described later. Each transfer card issuing device 3 and automatic transaction device 2 are connected to a communication control device 5 via an internal line 4, and the communication control device 5 is connected to a center 8 via a modem 6 and a communication line 7.

The above-mentioned automatic transaction device 2 is provided with a main control section 9 as shown in FIG. The main control unit 9 controls the devices described below and the entire device 1. Reference numeral 10 denotes a card reader / writer unit, which has a read head for reading the transfer data, the customer's personal identification number, the account number, and other data from the transfer card inserted in the card insertion slot and the magnetic stripe of other transaction cards. .. A storage unit 11 is used for temporarily storing information from the center 8 side, input information, and the like. Reference numeral 12 denotes a statement sheet printer unit, which has a foldable receipt sheet and an auxiliary receipt sheet, and includes a sheet feeding mechanism, a print head, a cutter, and the like. 13 and 14 are a banknote depositing / dispensing machine and a coin depositing / dispensing machine, which perform denomination, authenticity, counting, etc. of banknotes or coins for payment processing, transfer processing, etc. of the input payment amount. Take in or eject from the banknote deposit / withdrawal port or coin deposit / withdrawal port. Reference numeral 15 is a bookkeeping machine, which prints the transaction amount and the like on the passbook inserted from the passbook insertion / ejection slot and ejects it after the transaction is completed. A voice guidance unit 16 is used to give voice guidance to the customer for the operation processing. Reference numeral 17 denotes a CRT display, which is used for displaying instructions and messages necessary for the customer's operation, and for displaying deposits, withdrawals, and other amounts. A touch panel 18 is arranged on the CRT display 17. The touch panel 18 is used when the customer inputs a personal identification number or confirmation with his / her finger. A communication control unit 19 controls transmission / reception of communication (data) with the internal line 4.

As shown in FIG. 3, the center 8 has a communication controller 20 connected to the communication line 7, and a center controller 21 is connected to the communication controller 20. .. The center control unit 21 is composed of a host computer, is used to control each unit in the center 8, and is connected to the file control unit 22. File control unit 2
2 accesses the center file 23 to write or read predetermined information. The center file 23 stores customer account information and the like. Account information is the account number of each customer,
It consists of deposit balance, transaction progress, etc.

As shown in FIG. 4, the above-mentioned transfer card issuing device 3 is provided with a control part 24, and this control part 24 controls the entire device 3 and each part. A CRT display 25 is used to display a transfer data input operation procedure required for issuing a transfer card. A touch panel 26 is arranged on the CRT display 25, and the touch panel 26 is used when a customer inputs transfer data. 27 is a card writer unit, which is a card stacker 2 in which unissued (unused) transfer cards are stored.
8 and a feeding mechanism 29 for feeding the transfer card one by one from the stacker 28. The card writer unit 27 has a recording head for recording transfer data on the magnetic stripe of the transfer card and a print head for printing predetermined data on the surface of the transfer card. Three
A floppy disk device 0 stores data to be set in the hard disk device 31. The hard disk device 31 stores a control program of the device 3 and a transfer card issuing program, and also stores various data necessary for printing format and transfer, such as a financial institution name and a branch name. A storage unit 32 is used to temporarily store various information, data, and programs. Reference numeral 33 denotes an internal operation unit, which is mainly used by a clerk to start up, set and reset the apparatus 3. A host interface unit 34 is connected to the internal line 4.

The operation of the transfer card issuing device 3 will now be described with reference to the operation flowchart of FIG. First, the control unit 24 controls the CRT display 25 to display the type of financial institution on the screen, such as "credit bank,""commonbank,""trustbank,""laborbank,""agriculturalcooperative."
Etc. are displayed. In this case, the name of your financial institution is also displayed at the same time. When the customer selects the type of financial institution, for example, "credit bank" and presses the touch panel 26, the control unit 24 controls the CRT display 25 to display "Initial name of transfer destination financial institution" on the screen. Please display. ”, And also display the katakana in order from the“ a ”line. When the customer selects a katakana corresponding to the acronym of the financial institution to be selected and presses the touch panel 26, the control unit 24 similarly controls the CRT display 25 to have one or more having the selected acronym on the screen. Display the specific financial institution name of. When the customer selects any financial institution and presses the touch panel 26 (step 1), the control unit 24 determines that the bank name of the transfer destination has been input. On the other hand, when the name of the financial institution of the bank is selected, it is determined that the bank name of the transfer destination has been input without displaying the screen prompting the input of the initials of the financial institution name.

Next, the control unit 24 controls the CRT display 2
5 is controlled to display "Please press the initial letter of the transfer destination branch name." On the screen, and in addition, display one-sided kana. When the customer selects a katakana corresponding to the initial letter of the branch to be selected and presses the touch panel 26,
Similarly, the control unit 24 controls the CRT display 25 to display one or more specific branch names having the selected initial letters on the screen. Select the branch name corresponding to the customer,
When the touch panel 26 is pressed (step 2), the control unit 24 determines that the payment destination branch name has been input, and controls the CRT display 25 to control the account type, that is, "ordinary account", "general account", "current account". Is displayed. When the customer selects the transfer destination account and presses the touch panel 26 (step 3), it is determined that the transfer destination account type has been input.

Next, the control unit 24 controls the CRT display 25 to display a ten key and a display prompting the user to enter an account number. When the customer presses the touch panel 26 to input the transfer destination account number in this display (step 4), it is determined that the transfer destination account number has been input.

Here, the control unit 24 determines whether or not the input account is an account of its own bank (step 5), and when it is determined that it is an account of a financial institution of another bank, it controls the CRT display 25. Display a screen that prompts you to enter one-sided Kana of the transfer destination name (including company name). When the customer inputs the name of the transfer destination through the touch panel 26 in one kana (step 6), the control unit 24 determines that the input of the transfer destination name is completed. On the other hand, when the control unit 24 determines that the transfer destination account input in step 5 is the own account, the transfer destination name has already been registered in Chinese characters on the center 8 side, and thus the process proceeds to step 7.

Subsequently, the control unit 24 controls the CRT display 25 to display a screen prompting the user (client) name to be input in one Katakana. When the customer inputs his / her name through the touch panel 26 in one kana (step 7), the control unit 24 determines that the customer's name has been input.

Next, the controller 24 controls the CRT display 2
When the customer inputs the telephone number on the touch panel 26 (step 8), the control unit 24 determines that the input is completed. ..

Next, the control unit 24 makes an inquiry to the center 8 based on the input information, and upon receiving the legitimacy information, the kanji name, etc. from the center 8, the bank name, branch name, account and account number, transfer destination. The transfer data including the Kanji name of the customer, the Kanji name of the customer, and the telephone number is displayed as a confirmation screen on the screen of the CRT display 25. In this confirmation screen, if the transfer destination is an account of a financial institution of another bank, the name of the transfer destination is displayed in one-sided katakana. If the customer determines that the transfer data is correct on this confirmation screen, he / she presses "confirm" via the touch panel 26, so that the control unit 24 judges that the input of the transfer data has been completed (step 1).
0).

After that, the control unit 24 sends the input transfer data to the card writer unit 27. The card writer unit 27 thereby controls the feeding mechanism 29 to feed the transfer card 35 from the card stacker 28, and prints and records the transfer data on the transfer card 35 (step 11). That is, the transfer card 35, as shown in FIG.
The magnetic stripe 36 is provided on the back surface side. Then, the card writer unit 27 records the transfer data on the magnetic stripe 36 by the recording head and prints the transfer data on the surface of the transfer card 35 by the print head. The recorded and printed transfer card 35 is discharged from the card discharge port of the card writer unit 27, and the customer can obtain the transfer card 35 (step 1).
2).

Returning to FIG. 2 again, the main control section 9 of the automatic transaction device 2 has a transfer operation determining means 37 and an operation transfer stopping means 3.
8 and operation transfer return means 39. When the transfer operation determining means 37 receives an operation control command from the center 8 side,
The operation transfer stop means 38 is operated to stop the operation transfer process. That is, the operation transfer process that causes the customer to input the transfer data and perform the transfer process is stopped. Therefore, the automatic transaction device 2 executes only the card transfer process using the transfer card 35. On the other hand, when the transfer operation determination means 37 receives an operation return command from the center 8 side, the operation transfer stop means 38 is stopped, and the operation transfer return means 39.
Then, the operation transfer process of the device 2 is restored. Therefore, after that, the automatic transaction device 2 executes the operation transfer process and the card transfer process.

Next, the automatic transfer method according to the present invention will be described with reference to the operation flowchart of FIG. First,
Before the business of the sales office 1 starts, for example, by 9 am, the center control unit 21 of the center 8 sends an operation control command to each automatic operation of the sales office 1 via the communication line 7, the communication control device 5, and the like. It transmits to the transaction device 2. As a result, each automatic transaction device 2
Since the transfer operation determination means 37 operates the operation transfer stop means 38, the operation transfer processing is stopped. Therefore, each automatic transaction device 2 executes only the card transfer process by the transfer card 35.

In such a state, the automatic transaction device 2
When the customer selects "transfer" when the transaction selection screen is displayed on the CRT display 17 (step 20) (step 21), the main controller 9 controls the CRT display 17 and inserts the transfer card 35. Display a screen prompting you to.

When the customer inserts the transfer card 35 (step 22), the main control section 9 sends the transfer card 35 to the card reader / writer unit 10. The card reader unit 10 reads the transfer data from the magnetic stripe 36 of the transfer card 35 (step 23) and transmits the transfer data to the main control unit 9. Accordingly, the main control unit 9 transmits the data relating to the transfer destination of the transfer data to the center 8 side via the communication control device 5 and the like (step 24).

In the center 8, the center control unit 21 confirms whether or not the transfer destination account and account number are present, and if they are present, sends a message indicating confirmation to the automatic transaction device 2 side. When the main control unit 9 of the automatic transaction device 2 receives this electronic message (step 25), it controls the CRT display 17 to display a screen prompting the deposit of the banknote corresponding to the transfer amount (step 26). When the customer inserts the transferred banknotes into the banknote deposit / withdrawal machine 13 (step 27), the banknotes are counted, and if the deposited banknote matches the transfer amount, the card transfer process is ended.

On the other hand, when the transfer card 35 is not inserted in step 22, the main control section 9 judges that the transaction is impossible and displays it (step 28), and displays the transaction selection screen of step 20. In this case, the CRT display 17 may be controlled to display guidance such as "If you do not have a transfer card, please use the transfer card issuing device to create a transfer card."

As described above, when the customer's operation transfer process is stopped and the transfer card issuing device 3 is used to execute only the card transfer process using the transfer card 35, the automatic transaction device 2 may be exclusively used for the transfer process. Will be prevented,
It is possible to reduce the waiting time of other customers who desire deposit / withdrawal processing and to improve the operating rate of the device 2.

By the way, at the time of ending the window service of the branch office 1, for example, at 3 pm, the transfer card issuing device 3 is stopped or the use is stopped, but the center control unit 21 of the center 8 operates. Since a return command is sent,
The transfer operation determination means 37 of each automatic transaction device 2 stops the operation transfer stop means 38 and operates the operation transfer return means 39. Therefore, each automatic transaction device 2 executes both the processing of the operation transfer processing and the processing of the card transfer. Therefore, thereafter, even a customer who does not have a transfer card can perform the transfer process by inputting the transfer data by operating the touch panel 18.

In the above embodiment, the transfer card issuing device 3 may be used offline instead of being connected to the internal line 4. In this case, because the kanji name table corresponding to the account number cannot be held due to the memory capacity, kana characters will be printed and recorded on the transfer card 35.

[0029]

As described above, according to the present invention,
For the automatic transaction device that executes the card transfer process and the operation transfer process, a transfer card issuing device that issues a transfer card by inputting predetermined transfer data is provided independently, and from the center while the transfer card issuing device is operating. The operation transfer command of the automatic transaction device is stopped by the operation control command of, and when the transfer card issuing device is stopped, the operation transfer process of the automatic transaction device is returned by the operation return command from the center. It is possible to effectively prevent the device from being occupied for a long time in the transfer process. Therefore, the waiting time of the customer is reduced and the operating rate of the automatic transaction apparatus is significantly improved.

[Brief description of drawings]

FIG. 1 is a configuration diagram of an automatic transfer system according to the present invention.

FIG. 2 is a block diagram of an automatic transaction device according to the present invention.

FIG. 3 is a block diagram of a center.

FIG. 4 is a block diagram of a transfer card issuing device according to the present invention.

FIG. 5 is a diagram showing an example of a transfer card.

FIG. 6 is a flowchart showing an issuing operation of the transfer card according to the present invention.

FIG. 7 is a flowchart illustrating an automatic transfer method according to the present invention.

[Explanation of symbols]

 2 Automatic transaction device 3 Transfer card issuing device 8 Center 37 Transfer operation determination means 38 Operation transfer stop means 39 Operation transfer recovery means

Claims (1)

[Claims] 1. An automatic transaction apparatus that executes a card transfer process by inserting a transfer card and an operation transfer process by inputting transfer data by a customer, and a center to which the automatic transaction device is connected via a communication line. In the transfer system, a transfer card issuing device for issuing the transfer card when a customer inputs predetermined transfer data is independently installed, and an operation control command from the center is issued while the transfer card issuing device is operating. The automatic transfer device of the automatic transaction device is stopped, and the operation transfer process of the automatic transaction device is returned by an operation return command from the center when the transfer card issuing device is stopped. Transfer method.