JPH0728918A - Control method for automatic transaction device with use of plural account cards - Google Patents

Abstract

PURPOSE:To attain the withdrawal, the deposit and the transfer from plural account by means of a single account card by deciding plural account cards where plural pieces of account information are recorded and choosing a transaction account out of those account information for input of the account. CONSTITUTION:The account information 5a and 5b of the same financial institution are recorded on plural account cards by making use of the stand-by areas 5 of a conventional magnetic card. A magnetic card reader reads both information 5a and 5b and choose one of both accounts to draw out the cash by means of the account card. Under such conditions, it is first decided whether a single or plural account information are registered on the account cards that are thrown in. Then the registered account information is shown on a screen. When one of both shown accounts is designated, the input of amount to be paid, the central communication, etc., are carried out in a normal processing flow. Thus no transfer card is needed and it is not needed for a customer to own plural magnetic cards of the same financial institution.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a plastic card with a magnetic stripe (hereinafter referred to as a magnetic card) used as a transaction recording medium of an automatic teller machine (hereinafter referred to as ATM), and more particularly to a deposit. The present invention relates to a multi-account card that records information necessary for a plurality of transactions such as withdrawal and transfer, and an automated teller machine that uses the multi-account card.

[0002]

2. Description of the Related Art When a user makes a contract with a financial institution using a magnetic card, account information relating to the transaction such as an account number is recorded on the magnetic card. 11A and 11B are a front view and a side view of a conventional magnetic card,
(C) is a figure which shows the information content recorded on the magnetic card. As shown in the figure, the magnetic card 1 has a magnetic stripe 2, and by using a general magnetic card reader / writer,
The personal information 4 including the account information 3 of the cardholder as shown in (c) is written or read. If the user owns multiple deposit accounts at the same financial institution, a magnetic card 1 for each of the multiple deposit accounts
Is issued.

[0003]

In the above-mentioned prior art, it is not possible to select one account from a plurality of accounts using one magnetic card to conduct a transaction. Moreover, for example, it is not possible to deposit and transfer using one magnetic card, and when carrying out the transfer, in addition to the magnetic card, another magnetic card or a paper card called a transfer card is required. Serviceability to users,
There was a problem in terms of convenience. INDUSTRIAL APPLICABILITY The present invention controls an automatic transaction apparatus by inserting a multi-account card capable of executing withdrawal transactions from a plurality of accounts by one magnetic card recording a plurality of account information and execution of transactions such as deposit and transfer. It is intended to provide a method.

[0004]

Means for solving the above problems are set forth in the claims. That is, an object of the present invention is, in a method of controlling an automatic transaction device by inserting a multi-account card recording a plurality of account information, a step of determining that the inserted card is the multi-account card, and the multi-account card. A method of controlling an automatic transaction device by inserting a multi-account card, which comprises the step of selecting and inputting a transaction account from account information recorded on the card, or the plurality of account information is account information relating to transfer. It is achieved by a method of controlling an automatic transaction device by inserting a multi-account card.

[0005]

With the control method of the above-mentioned automatic transaction device, it is possible to execute a withdrawal transaction in which one account is selected from a plurality of accounts, or two types of transactions such as withdrawal and transfer, deposit and transfer, with one magnetic card. You can

[0006]

DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described below with reference to the drawings. <First Embodiment> A first embodiment of the present invention is a method for controlling an automatic transaction device which selects a desired account from a plurality of transaction accounts of the same financial institution owned by a user and withdraws it. . FIG. 1 is a diagram showing the magnetic recording contents of a multi-account card of this embodiment. The multi-account card of the present embodiment records two pieces of account information 5a and 5b of the same financial institution by using the spare area 5 of the conventional magnetic card 1. Using such a multi-account card, it is possible to read two pieces of account information 5a and 5b by a magnetic card reader and select one of the accounts and withdraw cash according to the steps of the flow chart shown in FIG. Becomes Each step of the drawing flow in the drawing is shown by S001 to S022. The steps from S001 to S007 are based on the steps of a normal withdrawal operation using a magnetic card. The characteristics of the control flow of this embodiment in which one account is selected from a plurality of account cards and withdrawn is particularly represented by the following three steps. That is, S008: It is determined whether the account information registered in the inserted multi-account card is one or plural, and if it is a multi-account card, S
009, if it is a normal one-account card, move to S011 Step S009: display on screen the account information registered in the multiple-account card S010: select and specify a payment account from the registered accounts. FIG. 6 is a diagram showing an example of the payment account selection screen displayed in step S009, in which one account is selected from the plurality of accounts shown in FIG. 6 and designated. S
In steps 011 to S022, the payment amount is input (S0
12) is a confirmation process including the central communication (S015).
According to this embodiment, the user is relieved of the trouble of owning a plurality of magnetic cards of the same financial institution.

<Second Embodiment> A second embodiment of the present invention is a control method of an automatic transaction apparatus which uses a plurality of account cards to select a transfer destination from a plurality of financial institutions to perform a transfer transaction. . FIG. 2 is a diagram showing the magnetic recording contents of a multi-account card of the second embodiment according to the present invention. The multi-account card of the present embodiment increases the recording density of the magnetic stripe and is shown in FIG. As described above, the transfer information 5c and 5d can be recorded by using the spare area 5. FIG. 7B is a diagram showing details of the transfer information 5c. That is, using a multi-account card in which such contents are recorded, the transfer information 5c, 5d is read by the magnetic card reader according to the steps of the flow chart shown in FIG. 5, and the transfer transaction is performed by selecting from the two transfer accounts. Can be carried out. That is, according to the present embodiment, it is not necessary to use the transfer ticket of the prior art. 4 and 5 are transfer control flow charts of the second embodiment, and each control step is shown by S101 to S151. Of these, S
101 to S115 are based on a normal transfer step of transferring the amount of money input using the magnetic card. The characteristic of the transfer control flow of this embodiment is mainly S
As shown in each step of 116 to S120, after selecting the transfer method, selecting from a plurality of transfer destinations recorded in one multi-account card to perform the transfer, and each of S130 to S137. As shown in the steps
It is remarkably represented by the step of newly registering the transfer destination card.

That is, in FIG. 4 and FIG. 5, S116: As in the embodiment of the display screen shown in FIG.
Display the transfer selection screen of whether the transfer destination is a transfer by a multiple account card in which the card is registered, a transfer to the same financial institution, or a transaction in which a financial institution is selected by individual designation. Step S117: The transfer destination is registered Step S118 of selecting and pressing the transfer method using a multi-account card: It is determined whether the account information registered in the multi-account card is one or more, and if one, move to S141 (FIG. 5), and if more than one, move to S119. Step instructing S119: Step of displaying a plurality of transfer information registered in the multi-account card on the screen S120: Selection of a transfer destination account from the registered accounts, as shown by a flow, a plurality of transfer The first feature is that transfer is performed by selecting from the above. FIG. 8 is a diagram showing a display screen for selecting one from a plurality of transfer destinations in S119.

Next, after selecting and pressing the transfer method to the same financial institution (S121), selecting and pressing the branch name (S12).
3) The selection of deposit type (S125), the input of the account number (S127), and the input of the transferee name (S129) are performed, and whether or not the new registration of the transfer information is possible is performed in the following S.
The second feature is that the steps 130 to S137 are performed. That is, if this registration is performed, it means that the transfer transaction after the next time can be executed by S117 to S120. That is, S130: In the step of determining whether or not new registration to the multi-account card is possible, if there is a write margin in the multi-account card and registration is possible, go to S131, and if registration is not possible, S13.
Step S131 of instructing to move to S3: As in the embodiment of the display screen shown in FIG.
Step S132: Display a selection screen as to whether or not to newly register to a multiple account card. Step S132: If registering, move to S136; otherwise, instruct to move to step S141. When it becomes over, the screen shown in FIG. 10 is displayed. Step S134: Step for performing selection input on the screen of FIG. 10 S135: When not registering, move to S141. When rewriting the current registration and newly registering, instruct to move to S136. Step S136: A step of setting new transfer information in the current card data. Step S137: A step of writing in a multi-account card. S141 to S151 are processes including confirmation and printing by central communication. As described above, the first and second embodiments describe the technology for selecting a plurality of account information of magnetic card holders, but by adding a financial institution code number to this, a plurality of financial institution can be used. It is clear that the transfer transaction can be done with one card. Therefore, for example, when performing a transaction by the automated teller machine based on the recorded contents of the magnetic card shown in FIG. 1 and FIG. 2, after inputting the personal identification number of the card holder, withdrawal, inquiry, etc. By displaying the selection screen of the account for the transaction, it becomes possible to execute the transaction in the account desired by the user. As a result, a person who holds many accounts does not need to own many magnetic cards. Before inputting the personal identification number, the account selection screen is displayed at the time when the magnetic card is read, and thereafter, it becomes possible to carry out the transaction in the designated account.

[0010]

According to the present invention, one magnetic card recording a plurality of account information is used to select from a plurality of accounts by an automated teller machine, withdrawal from one account, deposit, and other. Transfer transactions between accounts including financial institutions can be executed. This eliminates the need to issue a transfer card, reduces the number of magnetic cards held by an individual, and has a great effect on improving customer service.

[Brief description of drawings]

FIG. 1 is a diagram showing magnetic recording contents of a multi-account card according to a first embodiment of the present invention.

FIG. 2 is a diagram showing magnetic recording contents of a multi-account card of a second embodiment according to the present invention.

FIG. 3 is a diagram showing a withdrawal transaction flow using a multiple account card according to the first embodiment of the present invention.

FIG. 4 is a diagram showing a transfer transaction flow using a multi-account card according to a second embodiment of the present invention.

FIG. 5 is a diagram continued from FIG. 4 showing a transfer transaction flow using a multiple account card according to the second embodiment of the present invention.

6 is a diagram showing a withdrawal account selection screen in the withdrawal transaction flow shown in FIG.

7 is a diagram showing a transfer method selection screen in the transfer transaction flow shown in FIG.

8 is a diagram showing a transfer destination selection screen in the transfer transaction flow shown in FIG.

9 is a diagram showing a card registration selection screen in the transfer transaction flow shown in FIG.

10 is a diagram of a screen displaying card registration over in the transfer transaction flow shown in FIG.

FIG. 11 is a diagram showing a magnetic recording content of a conventional magnetic card and a conventional magnetic card.

[Explanation of symbols]

1 ... Magnetic card 2 ... Magnetic stripe 3 ... Account information 4 ... Account number 5 ... Reserve area S001-S022 ... Withdrawal processing step S101-S151 ... Transfer processing step

Claims (2)

[Claims] 1. A method of controlling an automatic transaction device by inserting a multi-account card in which a plurality of account information is recorded, a step of determining that the inserted card is the multi-account card, and recording in the multi-account card. A method for controlling an automatic transaction device by inserting a multi-account card, comprising the step of selecting and inputting a transaction account from the stored account information. 2. The method of controlling an automatic transaction device by inserting a multi-account card according to claim 1, wherein the plurality of account information is account information regarding transfer.