JPH06290332A - Automatic transaction system - Google Patents

Abstract

PURPOSE:To provide an automatic transaction system where a customer who wants to open an account with a financial instritution can instantaneously open his account by the transaction operation of the customer himself and, meanwhile, the financial institution can omit the account opening job. CONSTITUTION:A main control part MCU 2 produces an account opening request message based on the data on a customer operating part 4 which performs the transaction operations and an application form handling part 8 which reads the account opening application form written by a customer. The produced request message is set to a host computer 13 by a terminal controller T/C 12. The computer 13 produces the customer specifying information on the account number, etc., and opens an account based on the request message. Then, the computer 13 produces an account opening grant message and sends it to the T/C 12. The MCU 2 receives the grant message from the T/C 12 and instructs a bankbook handling part 7 to print the customer specifying information on a bankbook and to eject this bankbook through an ejecting port. In such a constitution of an automatic transaction system, the customer is notified of the account number, etc.

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 having a function of opening an account by a customer's own operation in a financial institution.

[0002]

2. Description of the Related Art When a customer opens an account at a financial institution, the customer visits a sales office during the opening hours of the financial institution and fills in the necessary items on the account opening application form shown in FIG. After stamping the customer's registration stamp, the application for opening the account was submitted to the sales office counter. A bank clerk uses a terminal, etc. in a sales office based on the account opening application submitted by the customer, opens an account through the account opening business, issues a passbook, etc., then calls the customer by in-service broadcasting, etc. After confirming, the account number was notified by passing the above passbook.

[0003]

However, when the customer's account is opened by the above-mentioned method, the customer cannot perform the account opening procedure unless he / she visits the sales office of the financial institution during the opening hours, or Even if the customer can go to the office during the hours when the office window is open, the waiting time of the customer will increase when the office window is crowded, and the financial institution will provide sufficient service in response to the customer's sudden request to open an account. I couldn't. In addition, as a bank clerk at the branch of the sales office, it was busy because the account opening business occurred every time the customer requested to open an account. Furthermore, in order to notify the customer of the opened account number, a new passbook is created, and if the customer does not appear even if he calls the customer in order to give it to the customer, there is a problem that strict maintenance and storage management is required before the customer appears. there were. The present invention has been made in view of the above problems, and an automatic transaction device installed in each sales office or the like immediately opens an account by the operation of the customer himself / herself, which is not performed by a bank clerk other than during the business hours. The purpose is to provide an automated transaction system that eliminates the conventional account opening operations by bank employees.

[0004]

In order to solve the above-mentioned problems, the present invention is an automatic transaction system for executing a desired transaction processing by the transaction operation of the customer himself, and the operation of the customer for opening an account on the transaction screen. Customer operation means for guiding the customer, application application handling means for issuing an account opening application and reading the data described in the account opening application, and data input by the customer operating means and for reading from the application processing means Based on the data obtained, an application form issuance request message, a message creating means for creating a customer specific information request message and a transaction processing message, and each of the above messages is transmitted to the host device, and the application device issuance enable message from the host device, A message transmitting / receiving means for receiving a customer-specific information message including at least account number information and a transaction processing message, and the customer-specific information in the customer-specific information message And customer specific information notifying means for notifying an automatic transaction apparatus having the above customer operation unit, the application form handling means, said message creating means, a main control unit for controlling the message transmission and reception means and said customer identification information notification means,
The customer identification information is generated based on the application form issuance request message, the customer identification information request message, and the transaction processing message received from the automatic transaction device, and the application issue permission message, the customer identification information message, and It is provided with a host device that creates the transaction message and sends each created message to the automatic transaction device and performs an account opening process.

[0005]

[Operation] When the customer selects the account opening from the transaction selection screen of the customer operation unit of the automatic transaction device and inputs the account opening data, the customer operation unit notifies the main control unit of the account opening key pressing information, and the main control unit An account opening application issuance request message is created based on the account opening key press information, and is sent to the higher-level device by the message sending / receiving means. In the higher-level device, the customer No. No. is created and a customer file is created, and the customer No. After creating an application form issuance permission message including, the message is transmitted to the message transmitting / receiving means of the automatic transaction device. The electronic message transmitting / receiving means of the automated teller machine which has received the application form issuance permission message transfers the application form issuance permission message to the main control unit, and the main control unit, based on the application form issuance permission message,
Ask the application department to issue an account opening application. The application handling section takes out the application for opening an account from the application hopper, prints the customer data by the printer, and discharges it to the application passbook insertion / ejection port through the transport path. The customer receives the account opening application form according to the screen guidance of the customer operation unit, fills in the necessary information such as the address, stamps the customer's notification stamp, and then inserts the application passbook according to the screen guidance of the customer operation unit of the automated teller machine. / Insert the account opening application form from the outlet.

[0006] The application handling section that has taken in the account opening application reads and recognizes the characters written in the account opening application with a character reader. The recognized characters are displayed on the operation screen of the customer operation unit, and the customer confirms the account opening data.
If the legitimacy is confirmed, the main control unit creates a passbook issuance request message based on the account opening data, and sends it to the higher-level device by the message sending / receiving means. The character-recognized application for opening an account passes through the transport path, is guided to a transport path in a direction different from that of the application hopper by the slicing machine, and is stored in the application stacker. If the validity cannot be confirmed, the account opening data is corrected using the correction key. The host device that received the passbook issuance request message confirms the received customer data, and if the legitimacy can be confirmed, creates customer identification information based on the received data and stores it in the customer file. Create a message and send it to the message sending / receiving means of the automated teller machine. The electronic statement transmitting / receiving means of the automatic transaction device transfers the passbook issuance permission message to the main control unit, and the main control unit requests the passbook handling unit to issue a new passbook based on the passbook issue permission message. The passbook handling section takes out a new passbook from the passbook hopper and sends it to the transport path, and prints the cover print data, return page print data, transaction print data of the passbook by the printer while turning the page with the page turning machine,
Further, stripe data is written by the magnetic stripe reader / writer. When the passbook is printed and the magnetic stripe data is written, the customer operation unit displays a guidance for ending the account opening on the operation screen and ejects a new passbook from the application passbook insertion / ejection slot. The customer can know the account number from the new passbook that has been discharged.

[0007]

1 is a block diagram of an embodiment of a control circuit of the present invention. In the embodiment shown in FIG. 1, a customer sends / receives a telegram to / from an automatic transaction apparatus 1 for performing a transaction operation, medium insertion / ejection, etc., and a host computer 13 for opening an account.
/ C (terminal controller) 12. The automatic transaction device 1 is a main control unit 2 that controls the entire automatic transaction device 1.
(Hereinafter referred to as MCU2), a hard disk 3 (hereinafter referred to as HDD3) for storing screen data for guiding customer operations and a system program of the automatic transaction device 1, and a display device for displaying a screen for guiding customer operations. 5
(Hereinafter referred to as CRT 5) and a customer operation unit 4 including a transparent touch key 6 for inputting customer data, a passbook handling unit 7 for issuing and printing passbooks, an application form handling unit 8 for issuing and reading application forms, and coins. A coin deposit / withdrawal unit 9 for performing deposit / withdrawal and coin discrimination / counting of coins, and a bill deposit / withdrawal unit 1 for performing bill deposit / withdrawal / discrimination of bills / counting bills.
0, a card reader / printer unit 11 for reading a customer card and printing a transaction statement. FIG. 2 is a processing flow of the automatic transaction system according to the embodiment of the present invention. FIG. 3 is a diagram showing an internal schematic configuration of the passbook handling section 7 and the application form handling section 8 of the automatic transaction device 1, which has the following devices. An application form hopper 21 that stores an account opening application form, a passbook hopper 22 that stores a new passbook for issuing a new passbook, and a printer 23 that prints the application form and the passbook are provided on a conveyance path 30 that conveys the application form and the passbook. , A page turning machine 24 for turning pages of a passbook, a character reader 25 for reading and recognizing characters on an application form, a magnetic stripe reader / writer 26 for reading and writing stripe data on a magnetic stripe of a passbook, and a character reader for reading characters. A cutting machine 27 for guiding the completed application form to the application form stacker, an application form stacker 28 for storing the application form that has been read in characters, and an application form passbook insertion / ejection port 29 for inserting / ejecting the application form or passbook are provided. ing.

4 to 8 show examples of customer operation guidance screens displayed on the CRT 5 of the customer operation unit 4 of the automatic transaction apparatus 1. FIG. 9 shows a request form issuance request message, and the automatic transaction device 1
It is composed of a transmission type 31, a name (kana) 32, a telephone number 33, and a cash card necessity 34 indicating a message for requesting the host computer 13 to issue an application form. FIG. 10 shows an application form issuance permission message, which indicates a message from the host computer 13 which permits the application process to be issued to the automated teller machine 1. Reception type 35, name (kana) 36, telephone number 37, need for cash card 38. , CIFN indicating the customer's application number assigned by the host computer 13
O. It is composed of 39. FIG. 11 shows a passbook issuance request telegram, which is a transmission type 40 showing the telegram for requesting the passbook issuance from the automatic transaction device 1 to the host computer 13, a name (kana, kanji) 41, an address (kana, kanji) 42, a telephone number. Four
3, CIFNO. 44, deposit amount 45, subject 4 showing the subject
It is composed of 6. FIG. 12 shows a passbook issuance permission message, which indicates a message from the host computer 13 to permit issuance of a passbook to the automated teller machine 1. Reception type 47, name (kana) 48, address (kana, kanji) 49, telephone number 50, CIFNO. Which indicates the customer's application number. 51, name (kanji) 53, subject 54, and cover sheet print data 52 of a passbook consisting of an account number 55 numbered by the host computer 13,
Return page print data 5 consisting of issue date 57 and store number 58
6, transaction print data 59 consisting of transaction date 60 and deposit amount 61, and passbook stripe data 62. FIG. 13 shows an example of an account opening application form.

An embodiment of the present invention will be described below with reference to FIGS. 1, 3, 4 to 8 and 9 to 12 in accordance with the processing flow of FIG. A customer who desires to open an account presses the "open account" key with the touch key 6 on the transaction selection screen of FIG. 4 displayed on the CRT 5 of the customer operation unit 4 of the automatic transaction apparatus 1 shown in FIG. Based on this account opening key pressing information, the customer operation unit 4 displays the account opening character on the CRT 5 in reverse video and displays the account opening key pressing information in the MCU.
Notify 2. Based on the account opening key press information, the MCU 2 retrieves the application / passbook selection screen data of FIG. 5 stored in the HDD 3 to be displayed in the next step,
It is displayed on the CRT 5 via the customer operation unit 4. Here, the customer presses the “application form” key with the touch key 6.
(S101) The customer operation unit 4 performs CR based on this application form key press information.
The characters of the application form are displayed in reverse at T5, and the application form key press information is notified to the MCU 2 via the customer operation unit 4. To cancel the account opening, press the "Cancel" key with the touch key 6. As a result, the customer operation unit 4 displays the cancel character in reverse video and displays the cancel key depression information by M.
Notify CU2. The MCU 2 retrieves the transaction selection screen data shown in FIG. 4 from the HDD 3 in order to cancel the processing operation so far and return to the initial state in accordance with the cancel key pressing information, and displays it on the CRT 5 via the customer operation unit 4, and in step S1
Return to 01.

Based on the notification of the application form key depression information, the MCU 2 should display the HDD 3 on the CRT 5 in the next step.
The screen data of the telephone number input of FIG. 6 stored in FIG. 6 is taken out and displayed on the CRT 5 via the customer operation unit 4. The customer inputs the telephone number of the customer with the touch key 6 from the ten keys displayed on the CRT 5. The telephone number entered from the touch key 6 is sent to the CRT 5 via the customer operation unit 4.
And send to MCU2. When the customer correctly inputs the telephone number, the "confirm" key is pressed from the touch key 6. The confirmation key press information is sent to the M via the customer operation unit 4.
When notified to CU2, the telephone number is stored in the memory of MCU2 as correct data. (S102) When the telephone number is not input correctly, the customer presses the "correct" key and inputs the telephone number again. To cancel the account opening, press the "Cancel" key, display the transaction selection screen of FIG. 4 on the CRT 5, and return to step S101. When the storage of the telephone number is completed, the MCU 2 is stored in the HDD 3 which should be displayed on the CRT 5 in the next step.
The screen data for inputting the name is retrieved and displayed on the CRT 5 via the customer operation unit 4. The customer uses the katakana key displayed on the CRT 5 to enter the customer's name in katakana using the touch key 6. The name input by the touch key 6 is displayed on the CRT 5 via the customer operation unit 4 and sent to the MCU 2. When the customer correctly inputs the name, the "confirm" key is pressed from the touch key 6. When the confirmation key press information is notified to the MCU 2 via the customer operation unit 4, the customer's name (katakana) is used as correct data and M
Store in the memory of CU2. (S103) If the name is not entered correctly, press the "correct" key and enter the name again. When canceling the account opening, the "cancel" key is pressed to display the transaction selection screen CRT5 in FIG. 4, and the process returns to step S101.

When the storage of the name data is completed, the MCU 2 displays the screen data (not shown) for selecting whether to issue the card stored in the HDD 3 which should be displayed on the CRT 5 in the next step.
Is taken out and displayed on the CRT 5 via the customer operation unit 4. The customer presses the "necessary" key with the touch key 6 when the cash card is needed, and the "unnecessary" key when not needed. When the customer presses the "necessary" key, or
When the "unnecessary" key is pressed, each piece of necessity information is sent to the customer operation unit 4, and the customer operation unit 4 highlights the necessary or unnecessary character on the CRT 5 and sends it to the MCU 2. (S104) When the customer correctly inputs the necessity of the cash card, the "confirm" key is pressed by the touch key 6. When the confirmation key depression information is sent to the MCU 2 via the customer operation unit 4, the cash card issuance necessity information is stored in the memory of the MCU 2 as correct data. When the cash card necessity information is not correctly input, the "correction" key is pressed, and the cash card necessity is input again by the touch key 6. When canceling the account opening, the "cancel" key is pressed, the transaction selection screen of FIG. 4 is displayed on the CRT 5, and the process returns to step S101.

When the storage of cash card issuance necessity information is completed, the MCU 2 stores the account opening data confirmation screen data shown in FIG.
The name, telephone number, and cash card issuance necessity information stored in the memory of U2 are taken out, edited, and displayed on the CRT 5 via the customer operation unit 4. The customer confirms whether the name, telephone number, and whether card issuance required / not displayed on the CRT 5 are correct, and if they are correct, he presses the "confirm" key. (S105) If not correct, press the "correct" key and step S1
Return to 02. When canceling the account opening, the "cancel" key is pressed, the transaction selection screen of FIG. 4 is displayed on the CRT 5, and the process returns to step S101. When the confirmation key depression information input by the touch key 6 is notified to the MCU 2 via the customer operation unit 4, the MCU 2 is able to correctly confirm the name, the telephone number, and the cash card issuance necessity information. . After confirming the account opening data, MCU2
Takes out a screen (not shown) in process which is stored in the HDD 3 to be displayed in the next step, displays it on the CRT 5 via the customer operation unit 4, and sends the application form request transmission type 31, the above-mentioned. The name (kana) 32, the telephone number 33, and the card necessity 34 are created in the application form issuance request message format shown in FIG. 9 and transmitted to the host computer 13 via the T / C (terminal controller) 12. (S106) The host computer 13 that has received the application form issuance request message creates a customer file corresponding to each customer who opens an account. Next, the application number (hereinafter referred to as CIF NO.)
Is stored in the customer file together with the received data from the automatic transaction device 1. (S107) Next, the host computer 13 receives the received data and CIF.
NO. 39 is created in the application form issuance permission message format shown in FIG. 10, and the M of the automated teller machine 1 is passed through the T / C 12.
Send to CU2. (S108)

MCU receiving the above-mentioned application form issuance permission message
2 is a name (kana) 36, telephone number 37, card necessity 38, CIF NO. At the same time as sending 39, request the issuance of the application form. The application form handling unit 8 takes out one copy of the account opening application form shown in FIG. 13 from the application form hopper 21 and conveys it on the conveying path 30 to the printing position of the printer 23. Therefore, the application handling unit 8 causes the printer 23 to display the name (kana), telephone number, card issuance required / not required, CIF NO. Print the (Application No. column). When the printing of the account opening application is completed, the application handling unit 8 notifies the MCU 2 of the completion of printing. MCU
2 retrieves the application release screen (not shown) data stored in the HDD 3 that should be displayed next on the CRT 5, displays it on the CRT 5 via the customer operation unit 4, and displays the application form on the transport path 30. The printed account opening application form is conveyed to the passbook insertion / ejection port 29 and released. (S109) When the release of the account opening application is completed, the application handling unit 8
Notifies MCU2 that the release of the account opening application form is completed. Upon receiving the notification that the account opening application has been released, the MCU 2 retrieves the transaction selection screen data of FIG. 4 stored in the HDD 3 that should be displayed next on the CRT 5, and displays it on the CRT 5 via the customer operation unit 4. To do. The customer receives the account opening application form from the application form passbook insertion / exit port 29, fills in necessary information such as name (kanji), address (kana, kanji), subject, and personal identification number, and stamps the registration stamp. (S110)

Next, the customer presses the "account opening" key with the touch key 6 on the transaction selection screen of FIG. 4 displayed on the CRT 5 of the automatic transaction device 1. The touch key 6 is used to display the information on pressing the account opening key via the customer operation unit 4 on the CRT 5
The account opening character displayed on the screen is highlighted and the account opening key pressing information is notified to the MCU2. M
Based on the notification of the account opening key press information, the CU 2 retrieves the application / passbook selection screen data of FIG. 5 stored in the HDD 3 to be displayed in the next step, and via the customer operation unit 4, the CRT 5 To display. Here, the customer presses the "passbook" key from the touch key 6. (S111) The touch key 6 notifies the customer operation unit 4 of the passbook key press information, the customer operation unit 4 reversely displays the letters of the passbook displayed on the CRT 5, and the passbook key press information is displayed. Notify the MCU 2 via To cancel the account opening, press the "Cancel" key with the touch key 6 and display the transaction selection screen of FIG. 4 on the CRT 5 as above,
It returns to step S101. M receiving the passbook key press information
The CU 2 takes out screen (not shown) data for guiding the customer to insert the account opening application stored in the HDD 3 to be displayed in the next step, and displays it on the CRT 5 via the customer operation unit 4. Here, the customer inserts the completed and stamped application for opening an account into the application passbook insertion / ejection port 29 according to the screen display for inserting the application. (S1
12) To cancel the account opening, press the "Cancel" key with the touch key 6, display the transaction selection screen of FIG. 4 on the CRT 5, and return to step 101.

The application opening application form inserted through the application form passbook insertion / ejection port 29 is transferred to the character reader 2 by the transport path 30.
It is transported to position 5, and the character reader 25 reads and recognizes names (katakana, kanji), addresses (katakana, kanji), telephone numbers, subject types, cash card necessity, personal identification numbers, application numbers, etc. . When reading and recognition of the account opening application form is completed, the character reader 25 sends the recognized character to the MCU 2. The MCU 2 retrieves the input data confirmation screen (not shown) data stored in the HDD 3 to be displayed in the next step, edits the recognized character and displays it on the CRT 5 via the customer operation unit 4. The customer confirms whether or not the input data from the account opening application form displayed on the CRT 5 is correct, and if it is correct, presses the "confirm" key. (S113) When the confirmation key press information is notified to the MCU 2 via the customer operation unit 4 by the touch key 6, the account opening application data is stored as correct data in the memory of the MCU 2. If the input data for the account opening application is incorrect, press the "correct" key to correct it. When canceling the account opening, the "cancel" key is pressed, the transaction selection screen of FIG. 4 is displayed on the CRT 5, and the process returns to step S101. The account opening application, whose characters have been read and recognized by the character reader 25, is guided by the slicing machine 27 in the direction of the application stacker through the transport path 30 and is taken into the application stacker 28. The application form stored in the application form stacker 28 is used for collation at a later time when the customer visits the counter to register the seal of the passbook.

When the confirmation of the account opening application data is completed, the MCU 2 retrieves the cash insertion screen (not shown) data stored in the HDD 3 and displays it on the CRT 5 via the customer operation unit 4. When depositing cash into the account opened by the customer, the customer deposits cash from the banknote deposit / withdrawal unit 10 and the coin deposit / withdrawal unit 9. The banknote deposit / withdrawal unit 10 and the coin deposit / withdrawal unit 9 each discriminate the authenticity and perform cash counting, and MC
Notify U2 of the deposit amount. The MCU 2 sums the bill amount and the coin amount, and the total amount is transferred to the CRT via the customer operation unit 4.
Display in 5. The customer confirms the deposit amount and the displayed amount, and if they are correct, presses the "confirm" key with the touch key 6.
(S114) By transmitting the confirmation key depression information input from the touch key 6 to the 2MCU 2 via the customer operation unit 4, the total amount is stored as the correct amount in the memory of the MCU 2. If the deposit amount and the displayed amount are not equal, touch key 6
Then press the "Correction" key to return cash and re-pay. When canceling the account opening, the "cancel" key is pressed, the transaction selection screen of FIG. 4 is displayed on the CRT 5, and the process returns to step S101. When the confirmation key pressing information input from the touch key 6 is notified to the MCU 2 via the customer operation unit 4, the MCU 2 is stored in the HDD 3 and is displayed on the CRT 5 in the next step. (Not shown)
The data is taken out and displayed on the CRT 5. (S115) Next, the MCU 2 causes the name (kana, kanji) 41, the address (kana, kanji) 42, the telephone number 43, the CIF NO. The passbook issuance request message of FIG. 11, which is composed of 44, the deposit amount 45, the subject 46, and the transmission type 40 indicating the passbook issuance request message, is created and transmitted to the host computer 13 via the T / C 12. (S116)

The host computer 13 that received the passbook issuance request message transmits the telephone number 43 and the CIF NO. The customer file created in step 107 is searched using 44 as a key. If there is the corresponding customer file, next, the account number 55, the issue date 57, the store number 58, the date 60, and the passbook stripe data 62 are created, and the name (kana) 48 and the telephone number 50 extracted from the passbook issue request message data are given. CI
FNO. 51, name (Kanji) 53, course 54, deposit 6
The passbook issuance permission message of FIG. 12, which is composed of 1 and the reception type 47 indicating the passbook issuance permission message, is created. The customer identification information including the created account number 55 is stored in the customer file, and the account opening process ends. Host computer 1
3 transmits the passbook issuance permission message to the automatic transaction device 1 via the T / C 12. (S117) If there is no corresponding customer file in the customer file search, the host 13 creates a passbook issuance disapproval message (not shown) and sends it to the automated teller machine 1 via the T / C 12. In the host computer 13, the automatic transaction device 1
If the passbook issuance request message does not arrive even after a certain period of time has passed since the customer file was created, the above step 10 is performed.
Since the customer file created in 7 becomes unnecessary, the host computer 13 deletes the customer file.

Based on the received passbook issuance permission message, the MCU 2 takes out the passbook cover print data 52, the return print data 56, the transaction print data 59, and the passbook stripe data 62 and sends them to the passbook handling section 7 and requests the passbook issue. To do. The passbook handling unit 7 takes out the passbook from the passbook hopper 22 and conveys it to the position of the printer 23 on the conveying path 30. The printer 23 prints the name (kanji) 53, the subject 54, and the account number 55 on the cover of the passbook, and then the page. The counter page is opened by the winding machine 24, the issue date 57 and the store number 58 are printed, the transaction page is opened again by the page winding machine 24, the deposit amount 60, the date 5
Print 9 etc. When printing is completed, the passbook is further conveyed to the position of the magnetic stripe reader / writer 26 by the conveying path 30, and the passbook handling unit 7 causes the magnetic stripe reader / writer 26 to move.
The passbook stripe data 62 is written by the writer 26. Upon receiving the passbook print completion notification from the passbook handling unit 7, the MCU 2 retrieves the passbook release screen (not shown) data to be displayed next, which is stored in the HDD 3, and displays it on the CRT 5 via the customer operation unit 4. At the same time, the passbook handling section 7 is requested to eject the passbook, and the application passbook insertion / ejection port 29
The passbook is released. (S118) Upon receipt of the passbook release completion notification from the passbook handling unit 7, the MCU 2 retrieves the transaction selection screen data of FIG. 4 from the HDD 3,
It is displayed on the CRT 5 via the customer operation unit 4, and step S
Return to 101. T / C 12 from host computer 13
When the MCU 2 of the automated teller machine 1 receives the above-mentioned account opening failure message (not shown) via, the MCU 2 displays the account opening failure screen (not shown) on the CRT 5 and returns to step S101. In this way, during the usage hours of the automated teller machine, the customer can open the account by the operation of opening the account without the trouble of the bank clerk, and by using the passbook inserted from the application form passbook insertion / exit port 29. You can know the account number.

[0019]

As described above in detail, according to the present invention, the data input by the customer's own account opening operation of the automatic transaction device and the account opening application form written by the customer and inserted into the automatic transaction device are input. We created an account opening request message based on the data obtained and sent it to the host computer, and we provided an automatic transaction method equipped with a host computer that performs the account opening process by receiving the account opening request message. It becomes possible to open an account immediately for a customer who can make a transaction with the automatic transaction device, and a financial institution can provide a sufficient service in response to a customer's sudden request for opening an account. In addition, the account opening business becomes unnecessary,
Labor saving of financial institutions can be achieved.

[Brief description of drawings]

FIG. 1 is a configuration diagram of a control circuit.

FIG. 2 is a processing flow of an automatic transaction system showing an embodiment of the present invention.

FIG. 3 is a configuration diagram of an application / passbook handling unit.

FIG. 4 is a customer guidance screen for guiding transaction selection.

FIG. 5 is a customer guidance screen for guiding application / passbook selection.

FIG. 6 is a customer guide screen for guiding the input of a telephone number.

FIG. 7 is a customer guide screen for guiding input of a name.

FIG. 8 is a customer guide screen for guiding confirmation of account opening data.

FIG. 9 is an electronic form issuance request message sent from the automatic transaction device to the host computer.

FIG. 10 is an application form issuance permission message sent from the host computer to the automated teller machine.

FIG. 11 is a passbook issuance request message sent from the automatic transaction device to the host computer.

FIG. 12 is a passbook issuance permission message from the host computer to the automated teller machine.

FIG. 13 is an example of an account opening application form.

[Explanation of symbols]

 1 Automatic transaction device 2 MCU (main control unit) 3 HDD (hard disk) 4 Customer operation unit 5 CRT (display device) 6 Touch key 7 Passbook handling unit 8 Application form handling unit 9 Money deposit / withdrawal unit 10 Banknote deposit / withdrawal unit 11 Card Reader / Printer Unit 12 T / C (Terminal Controller) 13 Host Computer 21 Application Form Hopper 22 Passbook Hopper 23 Printer 24 Paging Machine 25 Character Reader 26 Magnetic Stripe Reader / Writer 27 Cutting Machine 28 Application Form Stacker 29 Application Form Passbook Insertion / Discharge port 30 Transport path

Claims (1)

[Claims] 1. An automatic transaction apparatus for executing desired transaction processing by a customer's transaction operation, customer operation means for guiding a customer operation for opening an account on a transaction screen, and issuing an account opening application form. And an application form handling means for reading the data described in the account opening application form, and based on the data input by the customer operating means and the data read by the application form handling means, the application form issuance request message, the customer A message creating means for creating a specific information request message and a transaction processing message, and transmitting each of the above messages to a higher-level device, and a higher-level device requesting to issue an application form, a customer specific information message including at least account number information, and a transaction processing message. A message transmitting / receiving means for receiving a message, a customer specifying information notifying means for notifying the customer of the customer specifying information in the customer specifying information message, the customer operating means, An automatic transaction device comprising the application handling means, the electronic message creating means, the electronic message transmitting / receiving means, and a main control unit for controlling the customer identification information notifying means; and the application issue request electronic message received from the automatic transaction device, The customer identification information is generated based on the customer identification information request message and the transaction processing message, and the application issuance permission message, the customer identification information message, and the transaction processing message are created, and the respective messages created are described above. An automatic transaction system having a host device that transmits to an automatic transaction device and performs account opening processing.