JPH05174043A - Transfer method for automatic transaction device - Google Patents

Abstract

PURPOSE:To easily perform a transfer transaction to a member without going to a window by storing previously the member sorting data into a data storing part of a transaction card for recognition of the member identity against the non-members. CONSTITUTION:A prescribed transaction item key is pushed so that a transfer transaction is instructed through a key operating part 6 of an automatic transaction device. Thus a transfer transaction is selected. Then a main control part 1 displays an instruction at a CRT display part 5 for a customer to put a cash card bearing a member sorting type or a transfer-only card into the automatic transaction device. Then the customer puts his member card into a card slit and the magnetic stripe of the card is read by a magnetic reading/writing part 4. When the identity of a member is confirmed, a center device calculates a transfer fee of the member. If the identity of a member is not confirmed, a general transfer fee is calculated. Then each of these calculated fees is sent to the automatic transaction device and shown at the part 5 for the customer.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a transfer method in an automatic transaction device which is installed in a financial institution such as a bank and can perform transfer processing in addition to deposit and withdrawal transactions by the operation of the customer himself. is there.

[0002]

2. Description of the Related Art In recent years, financial institutions have been trying to automate various transactions by making them compatible with an automatic transaction device for the purpose of labor saving in teller operations. Like the processing, it can be performed by an automatic transaction device. By the way, when a customer makes a transfer transaction at a financial institution, it is usually necessary to pay a predetermined fee according to the transfer amount.

When a transfer transaction process is performed using an automatic transaction device, a predetermined fee is calculated in the host computer, and the customer receives a request for adding this fee to the transfer amount and processes it with a cash card or transfer card. If the customer makes a payment, the transfer will be deducted from the transferee's account, and if the customer makes a payment in cash, if the customer inserts the amount of cash that meets the billing amount into the cash slot, the device will take in the cash. After that, predetermined processing is performed, and if there is change, the change is released, and then a receipt is issued to the customer. Then, when the processing is performed using a card, when the processing of withdrawing from the transferee's account is completed, a receipt is issued in the same manner as the above cash processing with the return of the card, and the processing of the transfer transaction is completed.

Recently, in such transaction processing, a financial institution side treats a customer who performs a transfer transaction processing by signing a specific contract between the financial institution and the customer and registering the membership. There is a movement to establish a member registration system,
It is becoming more and more popular for members who have registered under this system to be treated with special treatment in distinction from non-registered non-members, for example, by discounting the transfer fee for processing.

Therefore, when the transfer transaction is performed after the member registration, the transfer apparatus is presented to the financial institution side that the transfer member is a predetermined member, and if this is confirmed by the financial institution side, the transfer person is confirmed. Has made it possible to receive the benefit of being a member, that is, the discount treatment of fees in the transfer transaction processing.

[0006]

However, in the above-mentioned conventional technique, when the transfer processing is performed using the automatic transaction device, it is recognized that the transfer person is a member who has a contract with the financial institution side. Therefore, I could not receive the privilege of being a member, that is, the discount treatment of fees. In other words, the confirmation work of being a member can be performed only at the counter, and therefore, when the member wants to receive treatment from the member, he / she goes to the counter instead of the automated teller machine and performs a predetermined process at this counter. Had to do.

As a result, the member who intends to make the transfer has to go to the window during the business hours of the financial institution, which is rather time-limited, and the procedure is rather troublesome. Not only that, but also for financial institutions, there was a problem that it had an adverse effect on the labor saving of window services. The present invention has been made to solve the above-mentioned problems, and by facilitating the recognition that a customer is a member, if the member cannot be recognized, the transfer process is rather troublesome for the member. It is also possible to solve the problem that the financial institution side reduces work efficiency, and it is possible to easily make transfer transactions for members without going to the counter, and work efficiency on the financial institution side is also improved. It is an object of the present invention to provide a transfer method in an automatic transaction processing device that can provide more detailed services without lowering the service.

[0008]

In order to achieve the above object, the present invention distinguishes between members and non-members, and performs a transfer fee calculation process corresponding to each. In other words, in the transfer method in the automatic transaction device that automatically executes the transfer transaction processing by inputting the data regarding the transfer transaction by the operation of the customer himself, the data holding part of the transaction card is a member distinct from the non-member. Membership data that can be recognized is stored, and the inserted transaction card is the membership card based on the data read from the data holding section of the transaction card that was inserted into the device by the customer during the transfer transaction. If it is judged that the transaction card is a membership card, a transfer fee corresponding to the member is calculated, and if it is judged that the transaction card is not a member card, a general transfer fee is charged. It can be calculated by the host computer.

[0009]

According to the above-described structure, when the customer inserts a membership card that holds the membership in the data to perform a transfer transaction, and the operation is performed, the automatic transaction device inserts the membership card. By reading the data holding portion of the card, the user is recognized as a member, and the preset processing corresponding to the member is performed.

For this reason, the customer only has to perform a normal transfer transaction operation, does not have to go to the counter to perform the procedure, and the contact side does not need to perform the member processing procedure in the transfer transaction.

[0011]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described below with reference to the drawings. FIG. 1 is a flow chart showing the present embodiment, and FIG. 2 is a schematic control block diagram of an automatic transaction device for implementing the flow chart shown in FIG. First, referring to FIG. 2, a schematic control system of the apparatus will be described. In the figure, 1 is a main control unit of the automatic transaction apparatus, 2 is an interface connecting the main control unit 1 and a center device, and the main control unit is Various kinds of data are transferred between 1 and the center device. It should be noted that in this center device, it is determined from the data received from the main control unit 1 whether the customer conducting the transaction is a member in the transfer transaction or a general customer, and is determined to be a member. If it is found, the fee corresponding to the member is calculated, and if it is not found to be a member, the normal fee is calculated.

Reference numeral 3 denotes a memory unit connected to the main control unit 1, which is data relating to a transfer transaction input by the customer, such as the name and account number of the transfer recipient, the account number of the transfer recipient, and the transfer amount. Stores various data. Reference numeral 4 denotes a magnetic reading / writing unit for reading and writing on the magnetic stripe portion of the card inserted by the customer. In the present invention, it is distinguished that the member is involved in a transfer transaction in this magnetic stripe portion. Since the information for writing is written, it is possible to recognize whether or not the customer making the transfer transaction is a member by reading this member information.

Reference numeral 5 is a CRT display unit for guiding a transfer operation to a customer or displaying information relating to a transfer transaction input by the customer, and 6 is a key operation unit for inputting transfer information. .. Next, the transfer operation in the automatic transaction device having the above structure will be described with reference to the flowchart of FIG. The symbol S in the following description indicates a processing step.

Further, on the financial institution side, for a customer who has previously contracted with the financial institution for membership registration in a transfer transaction,
A transfer membership card compatible with an automatic transaction device, in which data indicating that the customer is a member is written in the magnetic stripe portion, and a display on the surface of the card for easily recognizing that the cardholder is a member is provided. Is issued. Therefore, the customer is supposed to carry out the transfer procedure using this membership card, and this member card also performs other normal automatic transaction processing, that is, deposit / withdrawal transaction, balance inquiry and bookkeeping processing together with the transfer transaction. There are cash cards that can be used and transfer-only cards that can only perform transfer transactions.

When a transfer transaction is to be performed using such a membership card, first, a predetermined transaction item key is pressed from the key operation unit 6 of the automatic transaction device to instruct the transfer transaction, and the transfer transaction is performed. Select a transaction (S1). When the signal instructing the transfer transaction is sent to the main control unit 1 in S1, the main control unit 1 prompts the CRT display unit 5 to "insert the membership card if you have one". Is displayed to prompt the customer to insert the cash card or the transfer-dedicated card into which the membership classification is written (S2).

According to the display on the CRT display section 5, the customer holding the membership card inserts the membership card into the card insertion slot of the automatic transaction device (S3). If no member card is held, key operation such as no card is performed (S4). When the member inserts the membership card, the magnetic reading / writing unit 4 reads the magnetic stripe and stores it in the memory unit 3 via the main control unit 1 (S4). After this, the customer starts the transfer transaction operation according to the operation guidance displayed on the device (S5). Further, when it is determined in S3 that "no" without a card, it proceeds to the transfer transaction operation without inserting the card.

The transfer transaction operation is based on the procedure generally performed according to the operation guidance displayed on the device (S6). In other words, enter the financial institution name of the transfer destination, branch name, and various information such as account number, telephone number, and transfer amount, and select cash or withdrawal from the account. To the cash slot, input information such as the name and telephone number of the transfer person, and wait for the processing of the device. In addition, when deducting from the account, it is divided into the case where the member card is used and the case where the member card is not held. When using the member card, the card has already been inserted in S4, so here again the card If you are not a member but want to withdraw from your account, insert the bank card of the transfer person into the device. Then, after inputting the personal identification number and confirming the customer with the card, the processing of the device is waited.

In this transaction operation, when the transfer card registered as a member in S3 is inserted, various data of the transfer destination are written in the magnetic stripe of the transfer card. The input operation of each data by the customer is simplified. When the cash card is inserted with the withdrawal from the account selected and the customer confirms by reading the magnetic stripe of the card and the personal identification number, various data related to the transfer operation is temporarily stored. It is sent from the previously stored memory unit 3 to the center device via the interface 2 (S7).

On the side of the center device, after performing a predetermined process based on various transmitted data, a transfer is made depending on the presence / absence of data indicating the member classification from the data read from the magnetic stripe of the card inserted by the customer. It is determined whether or not the person is a member (S8). If it is determined in S8 that the user is a member, the center device calculates a transfer fee corresponding to the member (S9), and if it is determined that the user is not a member, a normal ordinary transfer fee is calculated. (S10), each calculated amount is transmitted to the automatic transaction device, and is displayed on the CRT display unit 5 or the like to notify the customer.

When the customer confirms the transfer contents displayed together with this fee display, he / she performs the transfer operation by pressing the confirmation key, or the cancel key when he / she notices an error in the data input contents and wants to cancel the transaction. (S11), this confirmation or cancellation instruction data is transmitted to the center device. The center device updates the file based on this transfer operation (S12) and notifies the automatic transaction device side of the establishment or non-establishment of the transaction.

When the transaction is successful, the data confirmed by the customer is transferred to the center device, where a predetermined transfer transaction is executed (S13). When the transfer transaction processing is completed,
Since the processing result is returned to the automatic transaction device, the main control unit 1 performs the printing process on the receipt and the writing process to the magnetic stripe of the card based on the returned data, and the change is made in the cash transaction. If there is a change, a receipt is issued together with the change, and to the customer who used the card, a receipt is issued together with the card (S14), and the transfer transaction processing ends.

If the transaction is unsuccessful, the transaction is immediately stopped, the card inserted into the automatic transaction device, and if there is cash, the cash is returned to the customer, and the process ends. In the above-described embodiment, the data for indicating the classification of the membership card has been described by taking the magnetic card held in the magnetic stripe as an example, but it may be an IC card or the like stored in an IC chip or the like. Of course it is possible.

Further, although the above-mentioned device is an automatic transaction device which can perform not only transfer transaction but also other processing such as deposit / withdrawal transaction, balance inquiry, and bookkeeping, it may be applied to a dedicated transfer machine for only transfer transaction. Of course, this is possible, and when using a transfer-only machine, of course, the membership category is stored and displayed on the transaction card.

[0024]

As described above, according to the present invention, in the transfer method in the automatic transaction device for automatically performing the transfer transaction processing by inputting the data relating to the transfer transaction by the operation of the customer himself, the transaction card In the data holding department,
Member classification data that can be distinguished from non-members to recognize that they are members are stored, and by the data read from the data holding unit of the transaction card inserted into the device by the customer at the time of transfer transaction, It is determined whether the inserted transaction card is a membership card. If it is determined that the transaction card is a membership card, a transfer fee corresponding to the member is calculated, and it is determined that the transaction card is not a membership card. In that case, the general transfer fee will be calculated.

Therefore, if a customer who wants to make a transfer transaction operates using a membership card, he / she recognizes that he / she is a member and performs a predetermined member-corresponding process. If you do the normal transfer transaction operation,
Members can be processed. Therefore, in order to receive the member processing, it is not necessary to go through the troublesome procedure of going to the counter in accordance with the business hours of the financial institution, and the operation can be performed by the automatic transaction device at the time convenient for the customer. became.

Further, since the work on the counter side is also eliminated, it is possible to improve the work efficiency at the financial institution and to improve the service for the customer.

[Brief description of drawings]

FIG. 1 is a flow chart showing a transfer method in the present embodiment.

FIG. 2 is a schematic control block diagram of an automatic transaction device for carrying out the transfer method shown in FIG.

[Explanation of symbols]

 1 main control unit 3 memory unit 4 magnetic read / write unit 6 key operation unit

Claims (1)

[Claims] 1. A transfer method in an automatic transaction device which automatically executes a transfer transaction by inputting data relating to a transfer transaction by a customer's own operation, wherein a data holding part of a transaction card is distinguished from a non-member. The member classification data that can be recognized as a member is stored, and the inserted transaction card is read by the data read from the data holding part of the transaction card inserted into the device by the customer during the transfer transaction. Is a membership card, if the transaction card is a membership card, the transfer fee corresponding to the member is calculated, and if it is not a membership card, A transfer method in an automated teller machine, characterized in that a general transfer fee is calculated.