JPH0785189A - Transfer automatic transaction device - Google Patents

Abstract

(57) [Summary] [Object] The present invention is to realize a transfer process between read accounts by taking in a plurality of cash cards. The problem is a countermeasure against the card ejection failure that occurs when a plurality of cards are taken in, and it is necessary to provide a forced ejection means or the like. [Structure] A magnetic card read mechanism section 102 capable of receiving a plurality of cash cards, a line control section 103 for controlling communication with a center 106, a display section 104 used for customer operation, and an input section 105. Transfers between accounts that are carried out using ordinary cash cards by taking in multiple cash cards into the device in one transaction and grasping multiple account information in the automated teller machine Significantly reduce trading time. [Effect] According to the present invention, it is possible to carry out a seemingly troublesome transfer transaction in the same manner as a general deposit / withdrawal transaction performed using an ATM, a CD or the like.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a transfer transaction between deposit accounts having a cash card, and in particular, complicated character input processing, which is a problem when transferring money by an automatic machine, and a transfer ticket issuing procedure performed at a counter. It is related to the most suitable transfer method as a means for reducing the transaction time by making unnecessary.

[0002]

2. Description of the Related Art In recent years, the number of transfer machines installed in financial institutions has increased, but some kind of pre-processing was required before actual transfer. Conventionally, in the transaction with a transfer machine, for example, as disclosed in Japanese Patent Laid-Open No. 61-45358, a method of previously registering a transfer destination using a magnetic card writer has been used.

[0003]

However, the above-mentioned prior art does not consider unspecified transfer transactions and has the following problems.

(1) Since the transfer destination account is limited to card registration data, when adding a new transfer destination,
Card writing processing by a magnetic card writer is required.

(2) When it is necessary to perform mutual transfer processing between accounts owned by the operator himself / herself, the transfer destination account data must be registered in all the cash cards as transfer sources.

The object of the present invention is (1) to reduce the transfer transaction time by using a general cash card which does not require registration of transfer destination data.

(2) It is possible to transfer money from all accounts owned by oneself to the other party's account with a cash card.

[0008] Therefore, the purpose is to enable the transfer transaction to be performed in the same manner as a general deposit / withdrawal transaction in which ATM, CD, etc. are used.

[0009]

The above object is to provide a magnetic card read mechanism capable of receiving a plurality of cash cards,
In a transfer machine that consists of a line control unit that controls communication with the center, and a display unit and an input unit that customers use for operation, take in multiple cash cards into the device in one transaction and It is achieved by understanding the account information of.

In order to prevent forgetting to pick up a card after a transaction, which is more likely to occur when a plurality of cash cards are taken into the apparatus, a card-loaded-number display unit is provided.

In addition, by providing a procedure for group-registering a plurality of used account information in the center at the end of the transfer process carried out in the above, in the subsequent transfer transaction within the same group, one registered cash card is registered. Allows transactions by simply inserting

Furthermore, by group-registering one operator-owned card that is group-registered and a card owned by another person or another corporation, it becomes possible to perform a transfer process with a customer account, etc., and a wider-area transfer transaction is possible. To be achieved.

[0013]

With the above technology, it is possible to shorten the transfer transaction time by using a general cash card that does not require the registration of special data. Transfer is possible. Therefore, the transfer transaction can be carried out in the same manner as a general deposit / withdrawal transaction which is carried out by ATM, CD or the like.

[0014]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described below with reference to FIGS.

FIG. 1 is a structural example of an automatic transfer transaction apparatus embodying the present invention, and FIG. 2 is a structural example of a magnetic card read mechanism.
FIG. 3 shows an example of a flow chart of the card loading operation in the magnetic card read mechanism, and FIG. 4 shows an example of a flow chart of the card ejection operation in the magnetic card read mechanism.
And FIG. 6 shows two examples of flowcharts of the transfer transaction in the transfer machine.

In FIG. 1, a main control unit 101 activates control for each control block of the transfer machine.

The magnetic card read mechanism 102 has a structure capable of taking in a plurality of cash cards. The magnetic stripe data read here is sent to the center 106 by the line control unit 103, and the validity of the card account used is verified. It is confirmed.

The display unit 104 and the input unit 105 guide the customer operation, display the account information sent from the center, specify the transfer source / transfer destination account by the customer, input the transfer amount, etc., and conduct transactions interactively. It is a user interface to proceed to.

In FIG. 2, the cash card 1 (20
1), the cash card 2 (202) is inserted from the card insertion / ejection port 203, and the card transport motor M1 (20
4) and a card carrying belt 1 (206) and a card carrying belt 2 driven by a card carrying motor M2 (205)
The sheet is conveyed on the conveying path 208 by (207). During the main conveyance, the magnetic stripe reader 209 reads the magnetic stripe data. The card passage sensor S1 (210) and the card passage sensor S2 (211) detect the carrying position of the cash cards 1 and 2 on the carrying path, and the card carrying motor M
1, which triggers the start and stop of M2.

The card loaded number display section 1 (212) and the card loaded number display section 2 (213) are used as a means for the customer to confirm the number of cards loaded in the magnetic card read mechanism 102. There is a card in the mechanism. " In addition, it is an operation for prompting the customer to "blink = insert / remove card".

The card loading operation of the magnetic card reading mechanism will be described with reference to FIG.

The customer blinks the taken-in number display section 1 (301).
Insert Card 1 (first card) according to
2). When the magnetic card read mechanism detects the S2 sensor = dark when the customer's card 1 is inserted (303), M1,
Start the M2 motor to rotate in the card loading direction (30
4). After data reading (305) by the magnetic stripe reader, the card 1 is conveyed to the S1 sensor = dark detection position, and the conveyance is completed by stopping the M1 motor (306).
(307). Here, the taken-in number display unit 1 changes from blinking to lighting (308), which shows a state of taking in one card. Subsequently, the customer inserts the card 2 (second card) according to the blinking of the taken-in number display unit 2 (309) (310). The magnetic card read mechanism detects S2 sensor = dark when the customer's card 2 is inserted (311). The card 2 is carried by the card carrying belt 2 which is continuously operated by the M2 motor, and data reading (31
2) After that, the sheet is conveyed to the S2 sensor = light (dark → light) detection position, and the conveyance ends when the M2 motor is stopped (313) (314).

Here, the taken-in number display section 2 changes from blinking to lit (315) to indicate to the customer the state of taking in two cards.

The card ejection operation of the magnetic card read mechanism will be described with reference to FIG.

The customer blinks the captured number display section 2 (401).
By this, it is known that the card 2 is ejected. The magnetic card read mechanism starts rotation of the M2 motor in the card ejection direction (402). The card 2 is discharged to the discharge port, and stops immediately before the S2 sensor = light is detected. (When the card is conveyed to a position where the contact between the card conveying belt 2 and the card disappears, the conveyance is stopped, the S2 sensor is shielded by the rear end of the card, and most of the card is out of the ejection port.) When the customer removes the card 2 from the exit,
S2 sensor = light (403) (404). In response to this, the taken-in number display section 2 is turned off to indicate to the customer that there is only one card left in the mechanism (405).

Subsequently, the customer blinks (4
From (06), it is known that the card 1 is ejected. The magnetic card read mechanism starts rotation of the M1 motor in the card ejection direction (407). Card 1 is discharged to the outlet,
Similar to the ejection of the card 2, the S2 sensor is stopped immediately before the light is detected. When the customer removes the card 1 coming out of the outlet, the S2 sensor becomes light (408) (40
9). In response to this, the taken-in number display unit 1 is turned off, and the customer is informed that there is no card remaining in the mechanism (410). With this, the M1 and M2 motors stop and the discharging operation ends (411).

The procedure of a transfer transaction using a plurality of cards will be described with reference to FIG.

At the start of transaction, the transfer machine first requests the customer to insert the first card by the guidance guidance for inserting the card 1 (501 to 503). The line control unit 103 communicates the data of the card 1 read by the magnetic card read mechanism with the center (504), and the center process displays "bank name, branch name,
Confirm the validity of "account number" (505). If it is confirmed to be valid, it will be notified to the transfer machine and a registration number search will be performed to verify the personal identification number. (506). Then, the transfer machine requests the customer to insert the second card by the guidance guidance for inserting the card 2 (507 to 509). The data of the card 2 read by the magnetic card read mechanism is communicated with the center (510), and the validity of the "bank name, branch name, account number" etc. is confirmed by the center processing (511). When it is confirmed that it is valid, notify the transfer machine and search for the PIN (5
12).

Next, the transfer machine guides the customer to specify the transfer source / transfer destination account, and the customer receives it from the center and selects the transfer source account from the account information displayed on the screen (513 to 515). . Next, the transfer machine guides the input of the personal identification number of the transfer source account designated by the customer, and the customer inputs it (516 to 518). The transfer machine collates the input number by center communication (519, 520) and, if they match, guides the transfer amount input. The entered amount is sent to the center, and the center prepares for transfer (521 to 525). The transfer machine organizes the input items so far and prompts the customer for final confirmation (526 to 527). When the customer confirms, the transfer processing is executed at the center (528 to 529), the taken-in card is sequentially returned, and the transaction is completed (530 to 53).
2). As described above, the customer can carry out the transfer transaction as if he / she were making a deposit / withdrawal transaction using an ATM or a CD.

Referring to FIG. 6, a procedure for performing a transfer transaction by one card after the next transaction according to a customer's designation at the end of a transaction will be described.

At the end of a certain transaction, the customer confirms the transfer designation contents, and the transfer process is executed at the center (601, 60).
2). Here, the transfer machine inquires of the customer as to whether to register the center of the transfer source and transfer destination specified in this transaction as a group (603, 604), and if the customer desires, register at the center. Perform (605, 60
6), end the transaction.

In the next transaction, the transfer machine guides the insertion of the card 1 as in the transaction of a plurality of cards, and performs the center communication of the card 1 data inserted by the customer (607 to 61).
0). In the center processing, in addition to checking the validity of "bank name, branch name, account number", etc., whether there is a group in this account
If the card 1 account is valid and there is a group account, the center conducts a password search for the card 1 and then confirms the validity of all group accounts (612, 61).
3). In addition, the transfer machine displays the group account list to the customer and asks whether the main transaction is performed within the group account.
There match (614 and 615). If the customer selects “YES”, the second and subsequent cards will not be guided,
Immediately guide the designation of the transfer source / transfer destination account.

As a result, it is possible to carry out a transfer transaction with one card and further shorten the transaction time.

By registering one card owned by the operator who is group-registered and another card owned by another person or another corporation, it becomes possible to perform a transfer process with a customer account, etc. A transfer transaction environment can be realized.

[0035]

According to the present invention, by transferring a plurality of cash cards into a device in one transfer transaction and grasping a plurality of account information, transfer between accounts using a cash card. Trading time can be significantly reduced.

Further, by providing the card loading number display section, it is possible to prevent forgetting to pick up a card after a transaction, which is likely to occur when a plurality of cash cards are loaded into the device.

At the end of the transfer process as described above, a procedure for registering the used account information of a plurality of groups in the center is provided so that subsequent transfer transactions within the same group can be performed by the account information obtained from one cash card. Therefore, the transfer time can be further shortened.

Also, by group-registering one operator-owned card that is group-registered and a card owned by another person or another corporation, it is possible to transfer money to a customer account, etc.
It is possible to realize a transfer automatic transaction device that performs transfer transactions over a wider area.

[Brief description of drawings]

FIG. 1 shows an example of the configuration of an automatic transfer transaction apparatus embodying the present invention.

FIG. 2 shows a structural example of a magnetic card read mechanism.

FIG. 3 shows an example of a flowchart of a card loading operation in the magnetic card read mechanism.

FIG. 4 shows an example of a flowchart of a card ejection operation in the magnetic card read mechanism.

FIG. 5 shows two examples of flowcharts of a transfer transaction on the transfer machine.

FIG. 6 shows two examples of a flow chart of a transfer transaction on the transfer machine.

[Explanation of symbols]

 102 ... Magnetic card read mechanism, 103 ... Line control unit, 204 ... Card carrying motor M1, 205 ... Card carrying motor M2, 206 ... Card carrying belt 1, 207 ... Card carrying belt 2, 208 ... Card carrying path, 209 ... Magnetic Stripe reader, 210 ... Card passage sensor S1, 211 ... Card passage sensor S2.

─────────────────────────────────────────────────── ─── Continuation of the front page (51) Int.Cl. ⁶ Identification code Internal reference number FI Technical display location G07D 9/00 Z G07F 7/08 G07F 7/08 K

Claims (4)

[Claims] 1. A transfer comprising a magnetic card read mechanism unit capable of receiving a plurality of cash cards, a line control unit for controlling communication with a center, a display unit and an input unit used by a customer for operation. In an automatic transaction device (hereinafter referred to as a transfer machine), by taking in a plurality of cash cards into the device in one transaction and grasping a plurality of account information,
An automatic transfer transaction device characterized by greatly reducing the time required for transfer transactions between accounts performed using a cash card. 2. A card loading number display section is provided to prevent forgetting to pick up a card after a transaction, which is more likely to occur when a plurality of cash cards are loaded into the device according to claim 1. Transfer automatic transaction device. 3. By providing a procedure for group-registering a plurality of used account information in the center at the end of the transfer process carried out in claim 1, subsequent transfer within the same group will be performed only by the registered cash card. A transfer automatic transaction device that enables transactions based on account information obtained from a single sheet. 4. By registering one operator-owned card that was group-registered in claim 3 and a card owned by another person or another corporation, it is possible to transfer money to a customer account, etc. Automatic transfer transaction device that realizes wide area transfer transactions.