JPH08161591A - Automatic transfer transaction method - Google Patents

Abstract

PURPOSE: To shorten transfer transaction operation involving return of change by depositing the change on the account of a customer when the change is generated at the time of automatic transfer. CONSTITUTION: A main control part 1 displays the amount of received cash on the screen of a CRT display 4 so that the customer confirms it. When the change is generated and deposited on the account of the customer, the customer is made to insert the bankbook or cash card. Once the insertion is detected, the main control part 1 sends a transfer transaction message to a center through a communication controller 2. When a response to the transmission is received, the main control part 1 sends a money reception transaction message to the center through the communication controller 2 to ask for permission to deposit the change. The main control part 1 when receiving an answer to the transmission prints a transaction detailed slip on a card reader printer 8 on receiving a permission message from the center and enters the amount of the balance deposited on the account of the customer by a bankbook entering machine 9.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic transfer transaction method for improving a transfer transaction by shortening an automatic transfer transaction time.

[0002]

2. Description of the Related Art A conventional automatic transaction device is equipped with a banknote / coin depositing / dispensing machine and is capable of cash transfer transactions. Hereinafter, a conventional automatic transfer transaction method using an automatic transaction device will be described with reference to the drawings. FIG. 3 is a block diagram of an automatic transaction device (hereinafter referred to as ATM).

In the figure, reference numeral 1 denotes a main control unit, which is connected to a center via a communication control unit 2 and exchanges data and the like with the center. The main control unit 1 controls each unit described later by a program stored in the recording unit 3. A CRT display 4 is for displaying a message or the like that guides the customer.

Reference numeral 5 denotes a touch sensor, which is provided on the same screen as the CRT display 4, for example, and is operated by a customer or the like according to the displayed guidance. Reference numeral 6 denotes a banknote depositing / dispensing machine, which is used for discriminating and counting banknotes according to their types (hereinafter referred to as counting, etc.) and depositing / dispensing. A coin depositing / dispensing machine 7 is for depositing / dispensing coins by classifying or counting coins (hereinafter, referred to as “counting, etc.”).

Reference numeral 8 denotes a card reader printer, which is used for reading and writing to a cash card and issuing a receipt by a mechanism (not shown). Reference numeral 9 denotes a passbook entry machine, which is used for entry when making a transaction when using a passbook. Next, the transfer transaction operation of the automatic transaction device configured as described above will be described.

FIG. 4 is a flowchart of the transfer process of the conventional example. Sb1: When the customer or the like selects a transfer transaction key (not shown), the main control unit 1 shifts the processing to Sb2. Sb2: The main control unit 1 changes the screen of the CRT display 4 and causes the customer to operate the touch sensor 5 to make a financial institution name, branch name, subject, account number, payee name, client name, client phone number, and transfer. Input the transfer information such as the amount of money, and move the process to Sb3. Sb3: The main control unit 1 transmits the input information to the center, and when receiving a response to the transmission, shifts the processing to Sb4. Sb4: The main control unit 1 displays the information such as the recipient and the client on the screen of the CRT display 4, and when the customer confirms, moves the process to Sb5. Sb5: The main control unit 1 causes the customer to deposit cash corresponding to the total amount of the transfer amount and the commission from the banknote depositing / dispensing machine 6 and the coin depositing / dispensing machine 7, and perform the discrimination and the counting of the cash. The process moves to Sb6. Sb6: The main control unit 1 displays the amount of cash deposited on the screen of the CRT display 4 to allow the customer to confirm, and when it is aware that the confirmation key of the touch sensor 5 has been pressed, the process proceeds to Sb7. Sb7: The main control unit 1 transmits the transfer transaction message to the center via the communication control device 2, and when a response to the transmission is received, moves the process to Sb8. Sb8: The main control unit 1 prints the transaction statement on the card reader / printer 8 by receiving the permission message from the center, and shifts the processing to Sb9. Sb9: When there is a change, the main control unit 1 causes the bill depositing / dispensing machine 6 or the coin depositing / dispensing machine 7 to count each cash, and when the counting is completed, moves the process to Sb10. Sb10: When there is a change, the main control unit 1 discharges cash from the bill depositing / dispensing machine 6 or the coin depositing / dispensing machine 7, and shifts the processing to Sb10. Sb11: The main control unit 1 releases the transaction statement printed in Sb8 and ends the process.

[0007]

However, in the above-mentioned conventional automatic transfer transaction method, when there is a change,
Since it takes a lot of time to count the bills and coins to be dispensed as a change, particularly to count the coins, there is a problem that the transfer transaction operation time increases. For this reason, when a customer makes a plurality of transfer transactions, it may cause congestion in the automatic transaction device corner of a financial institution.

[0008]

SUMMARY OF THE INVENTION Therefore, the present invention is an automatic transfer transaction method in which a customer uses an automatic transaction apparatus such as a bank to make a transfer transaction, and when a change occurs, the change is sent to the customer's own account. It is characterized by depositing in.

[0009]

With this configuration, when a change occurs, the customer's own account is credited, so it is not necessary to count the banknotes and coins for the change, and the time for that Will be unnecessary in the transfer transaction, and it will be possible to shorten the transfer transaction operation time when there is change.

[0010]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described below with reference to the drawings. Since the automatic transaction device has the same configuration as the conventional one, the description thereof will be omitted, and the following description will be given using the same reference numerals. FIG. 1 is a flowchart of an automatic transfer transaction method. Sb1: When the customer or the like selects a transfer transaction key (not shown), the main control unit 1 shifts the processing to Sb2. Sb2: The main control unit 1 changes the screen of the CRT display 4 and causes the customer to operate the touch sensor 5 to make a financial institution name, branch name, subject, account number, payee name, client name, client phone number, and transfer. Input the transfer information such as the amount of money, and move the process to Sb3. Sb3: The main control unit 1 transmits the input information to the center, and when receiving a response to the transmission, shifts the processing to Sb4. Sb4: The main control unit 1 displays the information such as the recipient and the client on the screen of the CRT display 4, and when the customer confirms, moves the process to Sb5. Sb5: The main control unit 1 causes the customer to deposit cash corresponding to the sum of the transfer amount and the commission from the banknote depositing / dispensing machine 6 and the coin depositing / dispensing machine 7, and perform the discrimination, counting, etc. of the cash. The process moves to Sa1. Sa1: The main control unit 1 displays the amount of cash deposited on the screen of the CRT display 4 and makes the customer confirm, as shown in FIG. Then, when there is a change, when depositing the change into the customer's account, the customer is required to insert a passbook or a cash card, and if the insertion is known, the process proceeds to Sa2. Further, when the change is released in cash, the customer is required to press the confirmation key of the touch sensor 5, and if he / she is aware of the press, in order to perform the same processing as the conventional one,
The process moves to Sb7. Sa2: The main control unit 1 transmits a transfer transaction message to the center via the communication control device 2, and when receiving a response to the transmission, moves the process to Sa3. Sa3: The main control unit 1 transmits a deposit transaction message to the center via the communication control device 2, requests permission to deposit the change amount, and when receiving a response to the transmission, moves the process to Sa4. Sa4: The main control unit 1 prints the transaction statement on the card reader / printer 8 by receiving the permission message from the center, and records the amount of change to be deposited in the customer's account on the passbook recorder 9. For example, as shown in FIG. 2, this amount of money is recorded in order to deposit the change 600 yen generated in the transfer transaction, and the process proceeds to Sa5. In this case, of course, any change may be accepted. If there is no change, the transaction statement is printed here and the process proceeds to Sa5. Sa5: The main control unit 1 releases the passbook or the cash card when they are inserted, releases the statement slip, and ends the transfer transaction processing. Sb7: The main control unit 1 transmits the transfer transaction message to the center via the communication control device 2, and when a response to the transmission is received, moves the process to Sb8. Sb8: The main control unit 1 prints the transaction statement on the card reader / printer 8 by receiving the permission message from the center, and shifts the processing to Sb9. Sb9: When there is a change, the main control unit 1 causes the bill depositing / dispensing machine 6 or the coin depositing / dispensing machine 7 to count each cash, and when the counting is completed, moves the process to Sb10. Sb10: When there is a change, the main control unit 1 discharges cash from the bill depositing / dispensing machine 6 or the coin depositing / dispensing machine 7, and shifts the processing to Sb10. If there is no change, the process proceeds to Sb10 without performing any process. Sb11: The main control unit 1 releases the transaction statement printed in Sb8 and ends the transfer transaction process.

As described above, in the above embodiment, when a change occurs in the transfer transaction, the change is deposited in the customer's own account. Therefore, the bills and coins for the change are counted. You don't have to do this, and the time for that is no longer necessary for transfer transactions. In the above embodiment, the passbook or the cash card is inserted to deposit money into the customer's own account, but the account number of the customer may be input to deposit the change into the account.

Further, in the above embodiment, the customer is made to select whether to return the change in cash or to deposit the change in the account, but it is also possible to always deposit the change in the account without making the selection.

[0013]

As described above, according to the automatic transfer transaction method of the present invention, when a change occurs, the change is deposited in the customer's own account. You don't have to count
The time for that is no longer necessary for transfer transactions.

Therefore, it is possible to shorten the transfer transaction operation time when there is change. In addition, it is expected that the number of transactions of automated transaction equipment will be improved and the congestion at the automated transaction equipment corner will be alleviated.

[Brief description of drawings]

FIG. 1 is a flowchart of an automatic transfer transaction method according to the present invention.

FIG. 2 is a view showing an example of an operation screen.

FIG. 3 is a block diagram of an automatic transaction device.

FIG. 4 is a flowchart of a conventional automatic transfer transaction method.

[Explanation of symbols]

 1 Main control unit 2 Communication control device 3 Storage unit 4 CRT display 5 Touch sensor 6 Banknote depositing and dispensing machine 7 Coin depositing and dispensing machine 8 Card reader printer 9 Passbook entry machine

Claims (5)

[Claims] 1. An automatic transfer transaction method in which a customer uses an automatic transaction device such as a bank to make a transfer transaction. When a change occurs, the change is deposited in the customer's own account. Transfer transaction method. 2. An automatic transfer transaction method in which a customer uses an automatic transaction device such as a bank to make a transfer transaction. When a change occurs, the change is returned in cash or the change is deposited in the customer's own account. An automatic transfer transaction method that allows the customer to select whether or not to make a refund for the change. 3. The automatic transfer transaction method according to claim 1 or 2, wherein after confirming the transfer amount, a passbook is inserted to deposit the change into the customer's account. 4. The automatic transfer transaction method according to claim 1 or 2, wherein after confirming the transfer amount, a cash card is inserted to deposit the change into the customer's account. 5. The automatic transfer transaction method according to claim 1 or 2, wherein after confirming the amount of money to be transferred, the account number is input to deposit the change into the customer's account.