JPH08235277A - Method and device for opening new account - Google Patents

Abstract

PURPOSE: To provide a technique capable of performing the opening procedure of an account by a machine. CONSTITUTION: This method for opening a new account XX is provided with an information input process for specifying a specified account Xa under a name A, a deposit process for making a deposit to the new account XX to be opened and a signal input process for inputting signals for indicating that information signals registered beforehand in the specified account Xa under the name A can be cited in the opening of the new account XX.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a financial automation device such as an ATM device for opening a savings account (hereinafter, ATM).
Collectively referred to in the)) technology to be able to handle.

[0002]

BACKGROUND OF THE INVENTION Up to now, the procedure for opening a savings account at a financial institution such as a bank has to be done at a window of the financial institution. However, this is costly because it always requires manpower.
For this reason, it was desired to be able to handle savings accounts without having to go through the procedures at the counter. For example, it has been desired to handle it by a machine such as an ATM device installed in a financial institution.

[0003]

DISCLOSURE OF THE INVENTION An object of the present invention is to provide a technique capable of performing a procedure for opening a savings account, for example, by a machine. An object of the present invention is a method of opening a new account XX, which comprises an information input step of inputting information for specifying a specific account Xa in the name of A, a depositing step of depositing money into a new account XX to be opened, and And a signal input step of inputting a signal to the effect that an information signal pre-registered in the specific account Xa in the name may be used for opening a new account XX. To be done.

A method of opening a new account XX, in which A
In the information input step of inputting information identifying the specific account Xa in the name, the depositing step of depositing in the new account XX to be opened, the personal information regarding the holder A defined in the specific account Xa and the depositing step. A display step of displaying the deposited amount of money, a confirmation step of confirming the contents displayed in the display step, and an information signal registered in advance in the specific account Xa in the name of A are used to open a new account XX. And a signal input step of inputting a signal indicating that the new account is satisfied.

In the above invention, various methods can be considered as an information input step for inputting information for specifying the specific account Xa in the name of A, but the ID card in the name of A is the simplest and safest method. The step of inserting and the step of inputting the registration number can be mentioned. That is, a person who normally has a passbook called a savings account passbook or a general account passbook has his own ID card and a corresponding registration number (personal identification number) in order to withdraw money from the savings account. By inputting these (inserting the ID card from the ID card insertion port of the ATM device and inputting the personal identification number with the ten-key pad), the opened savings account can be specified. Therefore, by using this existing one, it is not necessary to have an extra one, and no extra cost is required. And, as has been proven so far, it is also highly safe.

Further, in the above invention, there is provided a display step of sending documents related to the new account XX to be opened to the address of the specific account Xa in the name A, and a confirmation step of confirming the contents displayed in the display step. Preferably. In particular,
A display step of detecting and displaying the address of the specific account Xa registered in the registration means such as the information processing device (host computer) based on the information input in the information input step; New account X to be opened
It is preferable to include a display step of sending a document regarding X and a confirmation step of confirming the content displayed in the display step. That is, if this step is provided,
Even if an ID card or registration number (personal identification number) is used by another person, it means that the documents related to the new account XX opened to another person cannot be sent. Increase.

Further, the object of the present invention is an apparatus for opening a new account XX, and an information input means for inputting information for specifying a specific account Xa in the name of A and a deposit for a new account XX to be opened. A new account comprising: a depositing means and a signal inputting means for inputting a signal indicating that an information signal previously registered in the specific account Xa in the name of A may be used for opening the new account XX. Is achieved by the opening device.

A device for opening a new account XX,
The information input means for inputting information specifying the specific account Xa in the name, the depositing means for depositing in the new account XX to be opened, the personal information about the holder A defined in the specific account Xa and the depositing means. Display means for displaying the amount of money deposited, confirmation means for confirming the contents displayed on the display means, and information signals registered in advance in the specific account Xa in the name of A are used to open a new account XX. And a signal input unit for inputting a signal indicating that the new account is satisfied.

In the above new account opening device,
As the information input means for inputting the information for specifying the specific account Xa in the name, a means for inserting the ID card in the name A and a means for inputting the registration number can be adopted. Further, it is preferable to include a display means for sending documents related to the new account XX to be opened to the address of the specific account Xa in the name A, and a confirmation means for confirming the contents displayed on the display means. In particular, display means for detecting and displaying the address of the specific account Xa in the name A registered in the registration means such as the information processing device (host computer) based on the information input by the information input means. It is preferable to include a display means for sending documents related to the new account XX opened at the address and a confirmation means for confirming the contents displayed on the display means.

If the above configuration is adopted,
Even if you do not go through the procedure at the window, you can open a savings account using a machine such as an ATM device, not only saving labor,
You can open a savings account as long as you can use machines such as ATM machines even after 3 pm
Not only for financial institutions but also for users.

[0011]

1 to 14 show an embodiment of the present invention, FIG. 1 is a schematic diagram showing the overall flow, FIGS. 2 to 12 are schematic diagrams at each step, FIG. 13 is a flowchart, FIG. 14 is a block diagram of a main part of the savings account opening device.
Note that the ATM device 1 is installed in a predetermined room, and when the door is opened to enter the room, a holder (depositor) A of a deposit account called a general account can operate the ATM device 1. .

That is, the depositor A facing the ATM device 1 displays a display portion [withdrawal, deposit, transfer, new account opening, balance on the screen displayed on the screen of the ATM device 1 as shown in FIG. Press Inquiry, ……]. As a result, the switch provided corresponding to each display portion operates. For example, if you press the display part of [Open new account], the switch corresponding to this is activated and the control means is activated.
On the screen of the TM device 1, as shown in FIG. 3, information such as [automatic savings deposit, super savings deposit, total account time deposit] is displayed. Incidentally, "Cancel" is also displayed on this screen, and when the "Cancel" portion is pressed, the switch corresponding to this is activated, and the process is terminated and the screen returns to the first screen.

When the [Super Savings Deposit] portion is pressed, the switch corresponding to this is activated and the control means is activated.
On the screen of the TM device 1, as shown in FIG. 4, [Saving deposit]
The type of is displayed. For example, [savings deposits 10 (types that can be used to advantage over ordinary deposits if the balance is 100,000 yen or more)], [savings deposits 30 (types that can be used to advantage over ordinary deposits if the balance is 300,000 yen or more) ... Is displayed. Then, when depositor A presses a portion corresponding to the desired type, the switch corresponding to this pushes the control means to actuate, and the screen of ATM device 1 displays as shown in FIG.
Information of [Please insert the card in the direction of the arrow] is displayed. Therefore, depositor A inserts an ID card, a so-called cash card, which is prepared and set with a bankbook into the card insertion slot 2 of the ATM device 1.

When the cash card is inserted into the card insertion slot 2 of the ATM device 1, this is detected by the detecting means, and the screen of the ATM device 1 is displayed as shown in FIG. Please] information is displayed. Therefore, the numeric keypad 3 provided in the ATM device 1
Enter the password using. By the above operation,
Information specifying the ordinary deposit account Xa (specific account Xa in the name of A) of the general account in the name of the depositor A is input to the host computer H of the bank. Then, the address described in the general account passbook of the name A registered in the host computer H is detected and transferred to the ATM device 1, and the address [1-1-1 Otemachi, Chiyoda-ku, Tokyo] information is sent to the ATM device 1. Is displayed on the screen (see FIG. 7). In addition, [We will mail the card and passbook of the account to be opened this time to the delivery address (the address stated in the general account passbook in the name of A above). Please check the contents of the delivery address and press [Confirm] if you like. If there is a difference, information such as [Cancel] is also displayed. When you press this [cancel] part, the switch corresponding to this is activated, and the screen is returned to the initial screen.

When it is confirmed that the address information is correct and the [confirmation] portion is pressed, the switch corresponding to this is activated and the control means is activated, and the screen of the ATM device 1 is shown in FIG. As you can see, [Please select the type of funds you are depositing. Information of [banknotes only] [banknotes and coins] [coins only] [transfer with card] is displayed. When trying to open the savings account XX using the cash on hand, press the portion corresponding to the type of cash. As a result, the switch provided corresponding to each display portion operates, and the control means operates.

For example, when the display portion of "only banknotes" is pressed, the control means is activated in response to this and the banknote insertion slot 4a of the ATM device 1 is opened so that the depositor A can insert banknotes. Become. When the display portion of [banknotes and coins] is pressed, the control means operates in response to this, and the coin insertion slot 4b and the banknote insertion slot 4a of the ATM device 1 are opened in sequence, and the depositor A is in the coins and banknotes. And can be input.

When the display portion of [coins only] is pressed, the control means is activated in response to this, and the coin slot 4b of the ATM device 1 is opened so that the depositor A can deposit coins. When a predetermined amount of money is inserted into the box from the predetermined insertion slot 4, the insertion coin is counted by a predetermined counting means, and the count signal (the amount of money inserted, or the number of bills and the number of coins) is sent to the ATM device. No. 1 screen (see FIG. 9). Also, on this screen, press [Confirm] after confirming the amount. If it is not convenient, the information of [Cancel] is also displayed.

Depositor A presses [confirm] when the displayed amount is correct. As a result, the switch provided corresponding to the [confirmation] portion operates, and the control means operates. If the displayed amount is incorrect, press [Cancel]. As a result, the switch provided corresponding to the [cancel] portion is activated, the control means is activated to return to the original screen, and the deposited coin is returned to the depositor A.

When you press the [Transfer with card] display part, the control means operates in response to this, [Press the transfer amount and yen, check the amount and click [Confirm]. Information is displayed on the screen of the ATM device 1 (see FIG. 10). Therefore, the transfer amount is input using the ten-key 3 provided in the ATM device 1. As a result, the transfer amount is displayed. After confirming this, if the amount is correct, click [Confirm]. By this, the switch provided corresponding to the [confirmation] part operates,
The control means is activated. If the displayed amount is incorrect, press [Cancel]. As a result, the switch provided corresponding to the [cancel] portion is activated, the control means is activated, and the original screen is displayed.

By the above operation, money is deposited in the savings account XX to be opened. When the [confirmation] part in the deposit operation is pressed, the switch provided corresponding to the [confirmation] part operates and the control means operates,
The name of the holder A of the savings account Xa of the general account corresponding to the input personal identification number registered in the host computer H is detected, and this name information is transferred to the ATM device 1. Then, as shown in FIG. 11, [account name] [account type] [amount] is displayed on the screen of the ATM device 1. Also, please click [Confirm] if you agree with the details of the transaction. When you quit [Cancel]
Please press. ] Information is displayed. When you press [Cancel], the switch provided corresponding to the [Cancel] section operates and the control means operates to return to the original screen,
The input money is returned.

When [confirm] is pressed, the switch provided corresponding to the [confirm] part is activated, the control means is activated, and as shown in FIG. 12, the screen of the ATM device 1 is the common seal stamp confirmation screen. become. That is, a signal indicating that the information signal pre-registered in the general account under the name A may be used as the information signal (for example, the seal, the signature, the personal identification number, etc.) for confirming the identity of the newly opened savings account XX. Work for inputting is performed. For this reason, [If you can understand that the seal stamp / PIN number of the savings account you open this time will be the same as the standard seal / PIN number of the general account you have already delivered, click [Confirm]. If you do not understand, click [Cancel] and the information will be displayed. When [Cancel] is pressed, a switch provided corresponding to the [Cancel] portion is operated, the control means is operated and the original screen is displayed, and the inserted coin is returned to the depositor. When [confirm] is pressed, a switch provided corresponding to the [confirm] part is activated, and the above-mentioned input items are input to the host computer H of the bank and edited / updated.

In response to the input to the host computer H, the cash card is ejected from the card insertion slot 2 of the ATM device 1, and the contents of the savings account XX are ejected from the printer means of the ATM device 1. , Is passed to the depositor, and the procedure for opening the savings account XX is completed. The passbook and cash card of the opened savings account XX will be mailed to the depositor at a later date.

Thus, until now, the savings and deposit account XX could not be opened without going through the window of a financial institution, but by configuring it as described above, it is possible to do without going through the procedure at the window. , ATM device 1 can be used to handle the opening of savings account XX. That is, even after 3:00 pm, the savings account XX can be opened as long as the ATM device 1 can be used, which is extremely preferable not only to financial institutions but also to users.

[0024]

[Effect] According to the present invention, for example, a savings account can be opened by a machine, and the account opening cost can be reduced. In addition, the time limit for opening an account is reduced, which is extremely convenient for users.

[Brief description of drawings]

FIG. 1 is a schematic view showing an embodiment of the present invention.

FIG. 2 is a partial schematic view of the present invention.

FIG. 3 is a partial schematic view of the present invention.

FIG. 4 is a partial schematic view of the present invention.

FIG. 5 is a partial schematic view of the present invention.

FIG. 6 is a partial schematic view of the present invention.

FIG. 7 is a partial schematic view of the present invention.

FIG. 8 is a partial schematic view of the present invention.

FIG. 9 is a partial schematic view of the present invention.

FIG. 10 is a partial schematic view of the present invention.

FIG. 11 is a partial schematic view of the present invention.

FIG. 12 is a partial schematic view of the present invention.

FIG. 13 is a flowchart of the present invention.

FIG. 14 is a block diagram of an automatic reserve account opening device of the present invention.

[Explanation of symbols]

 1 ATM device 2 Card insertion slot 3 Numeric keypad 4a Banknote insertion slot 4b Coin insertion slot

Claims (10)

[Claims] 1. A method of opening a new account XX, comprising: an information input step of inputting information for specifying a specific account Xa in the name of A; a depositing step of depositing money in the new account XX to be opened; And a signal input step of inputting a signal to the effect that an information signal registered in advance in the specific account Xa may be used for opening the new account XX. 2. A method of opening a new account XX, comprising: an information input step of inputting information for specifying a specific account Xa in the name of A; a depositing step of depositing money into a new account XX to be opened; A display step of displaying personal information regarding the holder A defined by Xa and the amount of money deposited in the depositing step, a confirmation step of confirming the contents displayed in the display step, and a specific account Xa in the name of A in advance. And a signal input step of inputting a signal indicating that the registered information signal may be used for opening a new account XX. 3. The information input step of inputting information for specifying the specific account Xa in the name of A includes the step of inserting an ID card in the name of A and the step of inputting a registration number. Alternatively, the method of opening a new account according to claim 2. 4. A display step of sending documents related to a new account XX to be opened to the address of the specific account Xa in the name A, and a confirmation step of confirming the contents displayed in the display step. The method for opening a new account according to claim 1 or claim 2. 5. A display step of detecting and displaying an address of a specific account Xa registered under the name A based on the information input in the information input step, and a new account XX opened at the displayed address. The method of opening a new account according to claim 1 or 2, further comprising a display step of sending a document and a confirmation step of confirming the contents displayed in the display step. 6. A device for opening a new account XX, comprising: information input means for inputting information for specifying a specific account Xa in the name of A; depositing means for depositing money in the new account XX to be opened; An apparatus for opening a new account, comprising: a signal input means for inputting a signal indicating that an information signal registered in advance in the specific account Xa may be used for opening the new account XX. 7. An apparatus for opening a new account XX, comprising: information input means for inputting information for specifying a specific account Xa in the name of A; depositing means for depositing money in a new account XX to be opened; Display means for displaying personal information concerning the holder A defined by Xa and the amount of money deposited by the deposit means, confirmation means for confirming the contents displayed on the display means, and in advance in the specific account Xa in the name of A. An apparatus for opening a new account, comprising: a signal input means for inputting a signal that a registered information signal may be used for opening a new account XX. 8. The information input means for inputting information for specifying the specific account Xa in the name of A includes means for inserting an ID card in the name of A and means for inputting a registration number. Alternatively, the new account opening device according to claim 7. 9. A display means for sending documents related to a new account XX to be opened to the address of the specific account Xa in the name A, and a confirmation means for confirming the contents displayed by the display means. The new account opening device according to claim 6 or 7. 10. Display means for detecting and displaying the address of a specific account Xa registered under the name A based on the information input by the information input means, and a new account XX opened at the displayed address. 8. The new account opening device according to claim 6 or 7, further comprising display means for sending a document and confirmation means for confirming the contents displayed on the display means.