JPH05266055A - Autoamtic transferring system by transfer card - Google Patents

Abstract

PURPOSE:To simplify transferring tasks and to enable the transfer prohibiting processing at the time of passing transfer deadline by receiving transfer information through transfer cards and performing the payment of transfer money. CONSTITUTION:The recipient of the amount claimed delivers a transfer card 1 to a transferrer 9 by a proper delivery means 12 such as mailing addressed to the transferrer 9 or delivering in person. The transferrer 9 who received the transfer card 1 goes to a finacial institution, submits the transfer card 1 at a window and requests a transfer processing to a person in charge, or inserts the transfer card 1 to an automatic transaction device 4 by himself and performs a transfer operation. In this case, the transferrer 9 does not need to fill in the transfer requesting form nor input a transfer end and amount or the like to the automatic transaction device 4. And when there is a deadline for transferring, a date recorded on the transfer card 1 and a date by the clock function, provided in the automatic transaction device 4 are compared and when it is judged that the transfer deadline passed, the massage of passing the deadline is displayed and the transferring is disapproved.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic transfer system using a transfer card used for automatic transfer such as payment for mail-order sales and repayment of cashing.

[0002]

2. Description of the Related Art Conventionally, in order to request a remittance to an individual account of a financial institution or an account in the name of a corporation, the recipient of the amount first sends a transfer request form to the transferee, and the transferee who receives this sends the automatic transaction device. To make a transfer using
Depending on the transfer destination and the remittance conditions, it was necessary to enter the remittance amount including the transfer fee, and in addition, it was impossible to perform processing such as checking that the transfer is not possible when the payment deadline has expired. In addition, when requesting a transfer operation at the window of a financial institution, the staff member had to input using a terminal device.
In Japanese Patent Laid-Open No. 60-108965, it is checked whether the transfer expiration date is within the card-shaped medium. If the result of this check is that the expiration date has passed, the expiration date is printed on the card-shaped medium. An invention for collecting the card medium is disclosed.

[0003]

DISCLOSURE OF THE INVENTION The present invention simplifies the above-mentioned conventional transfer work, eliminates the input operation necessary for the transfer of the transfer destination, the transfer amount, etc. by the transfer person or the financial institution staff member, and makes an error in the transfer processing. The purpose of this is to reduce the transfer processing time and the efficiency of the automatic transaction device by allowing the recipient to pay the fee and allowing the transfer to be prohibited when the transfer deadline is exceeded.

[0004]

[Means for Solving the Problems] In order to solve the above-mentioned problems, after the recipient of the transfer has entered predetermined items such as the transfer destination, the transfer amount, the transfer deadline, and the fee recipient's burden classification into the transfer card in advance. , The transfer card is issued to the transfer person, and the transfer person who has been requested only has to carry out the transfer operation using the automated teller machine with the transfer card, and the object of the present invention is described in the claims. As described above, a transfer card in which transfer information necessary for transfer processing is described or at least magnetically recorded, a means for issuing the transfer card by the transfer recipient and delivering it to the transfer recipient, and the transfer card. An automatic transaction device that reads the transfer information via the bank account and performs a deposit process of the transfer money, a center having a unit that records transaction information about the transfer person, and a communication unit between the automatic transaction device and the center. Is achieved by an automatic transfer system by transfer card, wherein Rukoto.

[0005]

[Operation] By inserting the transfer card into a terminal such as an automatic transaction device, the input data of the transfer card is read, compared with the calendar of the automatic transaction device, it is determined whether or not the transfer deadline is reached, and payment processing is performed. Only by doing so, it is possible to carry out the transfer remittance work including the transfer disallowance notification without depending on the input operation of the transfer person or the staff of the financial institution.

[0006]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of an automatic transfer system using a transfer card according to the present invention will be described below with reference to the drawings. The recipient 2 of the transfer money issues a transfer card 1 by using the transfer card issuing machine 3 by inputting a predetermined item, that is, a transfer destination, a transfer amount, a transfer deadline, a fee recipient's burden classification, and the like. The transfer card 1 is delivered to the transfer person 9 by an appropriate means such as being sent to the transfer person 9 by the payee 2 or being directly handed.

The automatic transaction apparatus 4 installed at a sales office of a financial institution, that is, a branch office 11 is constructed so as to be able to communicate with a center 7 via a network switch 6 connected by a line 8. The center 7 is usually a central processing unit of the head office 10 of a financial institution, and is constituted by a means for recording transaction information of the transfer person, that is, a large computer system for accommodating the transferee's file. In addition, claim 1
The described automatic transaction device and the communication means between the center correspond to, for example, the network switch 6 and the line 8 of the embodiment. Instead of the automatic transaction device 4, a terminal device operated by a staff member installed at the window of the branch 11 may be used.

FIG. 2 is a diagram showing an embodiment of the transfer card 1 according to the present invention. As shown in FIG. 2A, on the surface of the transfer card 1, a predetermined item 1a such as a transfer destination, a transfer amount, a transfer deadline, and whether or not the fee is paid by a payee is visually printed. As shown in FIG. 2B, on the back surface of the transfer card 1, the same contents as the print characters are recorded in the magnetic stripe 1b.

[0009] When making a bill for payment, a request for repayment of cashing, a bill for tax payment, etc. in the mail order system, the recipient of the bill appropriately sends the transfer card 1 shown in FIG. Delivery means 1
Deliver to transfer person 9 by 2. The transfer card issuing machine 3 prints the data necessary for the transfer, that is, the predetermined item 1a, on the surface of the transfer card 1 so that the transfer card 1 can be visually observed.
Moreover, the same content as the predetermined item 1a is input to the magnetic stripe 1b on the back surface of the transfer card 1.

The transfer person 9 who has received the transfer card 1 goes to a financial institution and either presents the transfer card 1 to a window and requests a staff member to perform the transfer process, or inserts the transfer card 1 into the automatic transaction device 4 and performs the transfer operation. To do. In this case, the transfer person 9 does not need to fill in the transfer request form or input the transfer destination or the amount of money into the automatic transaction device 4 as in the conventional case. The transfer person 9 can make a transfer from the deposit account of the person himself / herself via the automatic transaction device 4, or can make a transfer by depositing cash. As in the case of the known technique, a transaction card or a passbook is required to transfer money from the deposit account, and it is necessary to confirm the identity of the person by inputting a personal identification number.

If the transfer has a deadline, the date recorded on the transfer card 1 is compared with the date by the clock function of the automatic transaction device 4, and when it is determined that the transfer deadline has passed, the deadline The excess message is displayed and transfer is prohibited. If the fee is paid by the beneficiary, the amount less the fee will be transferred to the other party's account.

When the amount of money to be transferred is different every month, the amount of money to be transferred is distinguished in the transfer card 1 by registering the center. When the transfer card 1 is accepted, the center 7 is inquired about the amount of money and the payee 2 preliminarily asks for the amount. The amount of money is transmitted to the automatic transaction device 4 according to the data and the transfer process is performed.

At the end of the transfer by the transfer person 9, a confirmation (or receipt) 5 is issued, and the transfer person 9 can confirm the transfer contents by receiving the confirmation 5.

The data transferred from the automatic transaction device 4 of the financial institution or the terminal from the counter is sent to the center 7 through the network switch 6 by the line 8. At the center 7, the transfer amount is added to the account of the payee 2 and the transfer process of the present embodiment ends. Furthermore, it is preferable that the financial institution notify the payee 2 of the contents of the transfer by a contract with the payee 2 in advance.

As described above, according to the present embodiment, it becomes possible to process the payee's burden of the transfer fee, and it is not necessary to carry out the billing processing of the payee 2 each time. The effect is obtained.

[0016]

By implementing the present invention, there is no need for a transfer person or a staff member of a financial institution to input a transfer content necessary for the transfer such as the transfer destination and the transfer amount, and the conventional transfer work is simplified. It is easy to operate and it is possible to detect errors in the payee's payee and the amount of the payout. In addition, it becomes possible to take the burden on the payee of the commission and take measures to prohibit the transfer when the payout deadline is exceeded. Further, it is possible to improve the customer service such that the transfer processing time of the automatic transaction apparatus is shortened and the waiting time for use is shortened.

[Brief description of drawings]

FIG. 1 is a diagram showing an automatic transfer system using a transfer card according to the present invention.

FIG. 2 is a front side (a) and a back side (b) of the transfer card of the present invention.
FIG.

[Explanation of symbols]

1 ... Transfer card 1a ... Print transfer information
1b ... Magnetic stripe 3 ... Transfer card issuing machine 4 ... Automatic transaction device 5 ... Certificate 6 ... Network exchange 7 ... Center 8 ... Line 9 ... Transfer person 10 ... Head office 11 ... Branch 12 ... Delivery means

Claims (1)

[Claims] 1. A transfer card in which transfer information necessary for transfer processing is written or at least magnetically recorded, a means for issuing the transfer card by a transfer recipient and delivering it to the transfer recipient, and the transfer card. -An automatic transaction device that reads the transfer information via a bank and performs a deposit process of the transfer money; a center having means for recording transaction information about the transfer person; and a communication means between the automatic transaction device and the center. An automatic transfer method using a transfer card, which is characterized by being provided.