JPH09237306A - Storage medium for account transfer program and automatic teller machine - Google Patents

Abstract

PROBLEM TO BE SOLVED: To easily and simply transfer cash to the account of an inserted cash card without operating a screen keyboard by using a storage medium for an account transfer program. SOLUTION: This system is provided With an automatic teller machine(ATM) 1 for a bank B, an account transfer program storing medium 10, a guide screen 2, a cash charging port 3, a cash card inserting port 4, a host computer for a bank B, and a customer master file 6a for the bank B and the name of the bank A, the branch name of the bank A, the sort of deposit, and customer information such as the account number of a customer opening an account in the bank A are stored in the file 6a. A program capable of operating account transfer is stored in the medium 10, and when the medium 10 is fixed and connected to the ATM 1, cash can be transferred from an ATM 1 arranged on another bank to an account stored in the ATM 1 arranged in its own bank.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention includes a storage medium storing an account transfer program for transferring funds from an automated teller machine to a user's own account or a predetermined designated account using a cash card or a membership card, and the storage medium. The present invention relates to an automated teller machine.

[0002]

2. Description of the Related Art Recently, in order to save labor in financial operations of banks and the like, an automatic teller machine for depositing and withdrawing money into a bank account by a cash card (in the present specification, an automatic teller dispenser ( ATM) and a device similar to this) are widely used.

However, at present, in such an automatic teller machine, when a cash card issued by a bank in which the automatic teller machine is installed is used, a deposit is made to an account stored in the cash card. (Deposit) can be made, but when a cash card issued by another bank (in this specification, a bank other than the bank in which the automated teller machine to be used is installed is called another bank) is used. Can not deposit (transfer) to the account of another bank stored in this card, and is only allowed to withdraw cash. Therefore, in the automatic teller machine, when depositing into an account of another bank, even if it is its own account, it is necessary to follow the normal transfer procedure.

On the other hand, in recent years, various membership cards having a lending function have been issued. Such membership cards include membership (user) cards issued by consumer finance companies, credit cards issued by bank-based card companies, credit card companies, department stores, major goods sales companies, first-class hotels, There are so-called customer cards issued by health clubs, airlines, etc., cards issued by insurance companies, securities companies, and financial institutions other than banks.

[0005] In the following, a membership card of a consumer finance company will be described as an example. Repayment of loans with a membership card of a consumer finance company is performed by inserting the membership card into a dedicated cash transaction machine installed in a store of the consumer finance company, or according to a contract with the consumer finance company. A bank can be debited automatically from a bank withdrawal account, transferred from the bank's automated teller machine to a bank account specified by a consumer finance company, or transferred to a bank using a transfer form installed in the bank. There is a method to transfer money from a bank transfer counter to a bank account specified by a consumer finance company.

[0006] Here, when a user of a consumer finance company repays a loan, there is a psychological feeling that he / she wants to repay the loan more quickly with a more convenient and simple procedure.
Therefore, users of consumer finance companies often repay their debts by making a transfer to a predetermined bank account at the nearest geographically convenient bank. In this case, as described above, there are procedures at the bank counter and procedures at the automatic teller machine.

[0007] However, when the bank account designated by the consumer finance company is filled in on the transfer form installed in the bank and the procedure is performed from the bank transfer window, the procedure is complicated and the window is not available. There is a problem that it takes time, such as when it is necessary to wait for the turn. Therefore,
In automatic teller machines of banks, repayments are often transferred to a bank account designated by a consumer finance company.

On the other hand, when making a transfer in the automatic teller machine of a bank, it is necessary to perform the following complicated procedure, which will be described with reference to FIG. This figure is
It is a flowchart which shows the procedure which transfers cash to the bank account which a consumer finance company specifies using the cash automatic transaction apparatus of a bank. First, a user who borrows money from a consumer finance company selects the transfer mode displayed on the guide screen of the automated teller machine of the bank, and the transfer person's instruction mode is displayed on the guide screen (Fig. Step (1) shown in 9. The user inputs his / her name in accordance with this instruction mode (step (2) shown in FIG. 9).

Depending on the bank, there may be an instruction mode for inputting the transferor's telephone number on the guide screen. In such a case, the user inputs his / her telephone number in accordance with the instruction mode. Depending on the bank, there may be an instruction mode for inputting the type of the transfer bank. In such a case, the type of the transfer bank is input according to the instruction mode (step (3) shown in FIG. 9). ,
(4)).

Next, since the instruction mode of the transfer destination bank is displayed on the guide screen, the user who borrowed from the consumer financial company inputs the transfer destination bank of the consumer financial company according to this instruction mode. (Step (5) shown in FIG. 9). Then, the guidance screen displays the instruction mode of the branch name of the transfer destination bank, and the user who borrowed from the consumer finance company inputs the branch name of the transfer destination bank according to this instruction mode (Fig. Step (6) shown in 9).

Then, the recipient's instruction mode is displayed on the guide screen, and the user follows the instruction mode, and the recipient's name (consumer finance company name, store name, etc.)
Is input (step (7) shown in FIG. 9). Then, an instruction mode for the type of transfer account (deposit) is displayed on the guide screen, and the user selects the type of transfer account (deposit) according to this instruction mode (step (8) shown in FIG. 9). ).

Then, an instruction mode for the transfer account number is displayed on the guide screen, and the user inputs the transfer account number designated by the consumer finance company in accordance with this instruction mode (step (shown in FIG. 9). 9)). Then, the transfer amount instruction mode is displayed on the guide screen, and the user inputs the transfer amount according to the instruction mode (step (10) shown in FIG. 9).

Then, the transfer mode (telegraph handling or document handling) instruction mode is displayed on the guide screen, and the user selects the transfer type according to this instruction mode (step (shown in FIG. 9). 11)). Then, the cash slot is opened, and the user throws cash to be paid back to the consumer finance company into the cash slot (step (12) shown in FIG. 9).

Then, the reading mode is displayed on the guide screen. When the read key is pressed, the cash slot is closed, and the amount of money to be transferred is displayed on the guide screen for confirmation, and the execution mode and the stop mode are displayed (FIG. 9).
(13)). When the user confirms the amount displayed on the guide screen and then selects the execution mode, the cash inserted into the cash slot is transferred to the account designated by the consumer finance company. If the cancel mode is selected, the transfer mode is terminated, the cash slot is opened, the deposited cash can be taken out, and the guide screen is returned to the initial screen (step (14) shown in FIG. 9, (15)).

When an input error is made in each input item, the correction key is pressed and the input is made again according to the screen display. Although some banks use a procedure different from the above order, the operation items are almost the same. As described above, when using a bank's automated teller machine to transfer cash to an account designated by a consumer finance company, etc., specify the consumer finance company according to the guide display displayed on the guidance screen. A complicated and time-consuming procedure of operating a key to input a large number of items such as the payee bank name, payee bank branch name, payee name, account type, account number, and pay amount. I had to step on it.

[0016]

SUMMARY OF THE INVENTION The present invention has been made in view of the above circumstances, and an object thereof is to solve these problems. That is, when a cash card is used to transfer (pay) cash from an automated teller machine other than the issuer of the cash card to the account of the cash card issuer of the issuer of the cash card, Simply select the transfer mode of the guide display displayed on the screen and insert the cash card into the cash card slot, and easily and easily transfer cash to your account of the issuer of the cash card. It is a first object to provide a storage medium storing a program.

The present invention also provides an automatic teller machine,
A storage medium that stores a program that allows you to transfer (transfer) debts to the account specified by the member card issuing company easily, conveniently, more quickly, and accurately using a membership card. The second purpose is to provide. Furthermore, the present invention provides an automated teller machine that can transfer money to a bank account corresponding to a card using a cash card or a membership card from any installation location managed by a member card issuing company or a management company. The third purpose is to provide.

[0018]

The present invention proposed to achieve the above object has the following constitution. Claims 1 to 6 propose a storage medium for an account transfer program provided in a cash automatic transaction device of a bank. In claim 1, the automatic teller machine of the bank is caused to display the transfer mode as a guide, and the transfer mode is selected and operated.
When a cash card issued by another bank is inserted, an account transfer program for carrying out a transfer to a bank account stored as issuer information in the read bank card issued by the other bank is stored.

According to the present invention, the automatic teller machine of the bank displays the transfer mode as a guide, and when the transfer mode is selected and a cash card issued by another bank is inserted, the cash issued by the other bank is read. The transaction information including the bank account stored as the issuer information in the card is read, and an account transfer program for transferring the received cash to the bank account is stored.

According to the third aspect, the automatic teller machine of the bank displays the transfer mode as a guide, and when the transfer mode is selected and the member card is inserted, it is stored in advance in the read member card as the issuer information. It is characterized in that an account transfer program for transferring money to a designated account of the member card issuing company is stored. According to claim 4, when the automatic transfer device of the bank is guided to display the transfer mode, the transfer mode is selected and designated, and the member card is inserted, the member card previously stored as the issuer information in the read member card. It is characterized by storing an account transfer program for reading transaction information including a specified account of the issuing company and transferring the received cash to the specified account of the member card issuing company.

According to a fifth aspect of the present invention, when a transfer mode is displayed as a guide on the automatic teller machine of a bank and the transfer mode is selected and a member card is inserted, it is stored in advance in the read member card as an issuer. The present invention is characterized in that an account transfer program for receiving the designated account information of the member card issuing company from the host computer of the member card issuing company and transferring the money to the designated account is stored.

According to a sixth aspect of the present invention, when a transfer mode is displayed as a guide on the automatic teller machine of a bank and the transfer mode is selected and a member card is inserted, it is stored in advance in the read member card as an issuer. Account transfer that reads transaction information including information on the member card issuing company, receives specified account information from the host computer of this member card issuing company, and transfers the received cash to the specified account of the member card issuing company It is characterized in that the program is stored.

[0023] Claims 7 to 10 propose a storage medium for an account transfer program provided in the automatic teller machine of the member card issuing company. In claim 7, when the cash mode is displayed on the automatic teller machine of the member card issuing company, and the cash mode is selected and the cash card is inserted, it is stored in the read cash card as the cash issuing information. A bank transfer program for transferring money to a bank account is stored.

[0024] In claim 8, the automatic teller machine of the member card issuing company displays the transfer mode as a guide, and when the transfer mode is selected and a cash card is inserted, the issuing information is stored in the read cash card. Load transaction information, including bank accounts stored as
It is characterized by storing an account transfer program for transferring the received cash to the bank account.

In claim 9, the transfer mode is displayed as a guide on the automated teller machine of the member card issuing company, the transfer mode is selected and operated, and the member card issued by another member card issuing company is inserted. Occasionally, the account that receives the specified account information of the other member card issuer company from the host computer of the other member card issuer company that is stored in the read member card in advance as the issuer, and transfers the money to the specified account. It is characterized by storing a transfer program.

In claim 10, the transfer mode is displayed as a guide on the automatic teller machine of the member card issuing company, and the transfer mode is selected and operated, and the member card issued by another member card issuing company is inserted. Sometimes, the transaction information including the information of other member card issuing companies stored in the read member card is read, and the designated account information is received from the host computer of this other member card issuing company and received. It is characterized by storing an account transfer program for transferring cash to a designated account of another member card issuing company.

[0027] Claims 11 to 16 propose a storage medium for an account transfer program provided in the automatic teller machine of the management company. Here, the management company is a company that manages and operates the automated teller machine installed in various places, and builds a computer network with member card issuing companies such as banks, credit companies and consumer finance companies, For each use of the card, we get a fee from the card issuer. This management company includes, for example, a company established by a consumer finance company as a separate corporation through a capital investment or joint investment.

In the eleventh aspect, when the cash mode is displayed on the automatic teller machine of the management company and the cash mode is selected and a cash card is inserted, the cash card is read and stored as issuer information. A bank transfer program for transferring money to a bank account is stored. In claim 12, a bank account stored in the read cash card as issuer information when a cash mode is displayed on the automatic teller machine of the management company, the transfer mode is selected and a cash card is inserted. It is characterized in that it stores an account transfer program that reads transaction information including the above and transfers the received cash to the bank account.

In the thirteenth aspect, when the transfer mode is displayed as a guide on the automatic teller machine of the management company and the transfer mode is selected and the member card is inserted, it is stored in advance in the read member card as an issuer. It is characterized in that the account transfer program for receiving the specified account information of the member card issuing company from the host computer of the member card issuing company and transferring the money to the specified account is stored.

In claim 14, when the transfer mode is displayed as a guide on the automatic teller machine of the management company, and the transfer mode is selected and the member card is inserted, it is stored in advance in the read member card as an issuer. An account that reads transaction information including information on the member card issuing company, receives designated account information from the host computer of this member card issuing company, and transfers the received cash to the designated account of the member card issuing company. It is characterized by storing a transfer program.

According to a fifteenth aspect, when the transfer mode is displayed as a guide on the automatic teller machine of the management company and the transfer mode is selected and a member card or a cash card is inserted, the inserted card is the member card. If the read card is determined to be a membership card, the host computer of the membership card issuing company that is stored in the membership card in advance as the issuer specifies the membership card issuing company. An account transfer program that receives the account information and transfers it to this designated account, and if the read card is judged to be a cash card, it will be transferred to the bank account stored as issuer information in this cash card It is characterized by storing a program and.

According to claim 16, when the transfer mode is displayed as a guide on the automatic teller machine of the management company and the transfer mode is selected and a member card or cash card is inserted, the inserted card is the member card. If the read card is determined to be a membership card, the transaction information including the information of the member card issuing company stored in advance as the issuer is read in this member card, and this member card issuance is issued. An account transfer program that receives specified account information from the host computer of the former company and transfers the received cash to the specified account of the member card issuing company, and if the read card is determined to be a cash card, this cash Read and receive transaction information including bank accounts stored as issuer information on the card. And characterized by storing the direct deposit program for performing the transfer took cash in its bank account.

A seventeenth aspect proposes an automatic teller machine, which comprises a storage medium for the account transfer program according to any one of the seventh to sixteenth aspects. The "storage medium" in each of the above claims means a program capable of storing the program, and the method of storing and storing the program does not matter. Therefore, not only semiconductor memory elements such as so-called ROM (read only memory) and RAM (random access memory) but also memory modules configured by combining these memory elements, storage media of magnetic memory devices such as hard disks, A storage medium of an optical reading storage device such as an optical disk is also included.

[0034]

BEST MODE FOR CARRYING OUT THE INVENTION

(Embodiment 1 of the invention) First, a storage medium for an account transfer program provided in a bank automatic teller machine will be described. FIG. 1 is a diagram showing an embodiment of the present invention. In the figure, 1 is an automated teller machine of Bank B, 10 is a storage medium for an account transfer program, 2 is a guide screen, 3 is a cash slot, 4 is a cash card slot, 5 is a host computer of Bank B, 5a. Is a customer master file of Bank B, 6 is a host computer of Bank A, 6a is a customer master file of Bank A, and customer master file 6
In a, customer information such as A bank name, A bank branch name, deposit type, and account number of a customer who opened an account in A bank is held.

FIG. 2 is an enlarged view showing the guide screen 2 of the automatic teller machine 1 of Bank B. The guide screen 2 is provided with a transfer mode 7 in addition to the conventional tradeable items. FIG. 3 is a flowchart showing the procedure of the user. With reference to FIGS. 1 to 3, an operation procedure of the automatic teller machine 1 including the storage medium 10 for an account transfer program according to claims 1 and 2 will be described.

First, the customer selects the transfer mode 7 displayed on the guide screen 2 of the automatic teller machine 1 of Bank B (step (1) shown in FIG. 3). Next, instead of the cash card issued by Bank B, it was issued by Bank A in which the name of Bank A, the branch name of Bank A, the type of deposit, and the account number of the customer who opened the account in Bank A are entered in advance. Insert the cash card 8 into the cash card slot 4 of the automatic teller machine 1 of Bank B. Then, the automated teller machine 1
Reads the customer's A bank name, the A bank's branch name, the type of deposit, and the customer's A bank account number stored in advance in the A bank's cash card 8. Such information read by the automatic teller machine 1 is sent to the host computer 5 of Bank B together with the information that the transfer mode 7 has been selected. The bank B host computer 5 accesses the bank A host computer 6 and searches the bank A customer master file 6a for the bank A name, bank A branch name, deposit type, and bank A customer account number. Then, the customer's A bank account number is registered as the transfer destination account (step (2) shown in FIG. 3).

Next, an instruction mode for the transfer amount is displayed on the guide screen 2 (step (3) shown in FIG. 3). When the customer inputs the transfer amount in accordance with the guide display on the guide screen 2, the guide screen 2 displays the transfer type instruction mode (selection of handling as a telegraph or a document) (step (4) shown in FIG. 3). . In most cases, this kind of transfer is treated as a telegraph. If this is taken into consideration and unified to use only for telegraph handling, step (4) shown in FIG. 3 becomes unnecessary.

When the customer selects the transfer type instruction mode according to the guide display on the guide screen 2, the cash slot 3 of the automatic teller machine 1 is opened. The customer puts the cash to be transferred to his / her own account into the cash slot 3 (step (5) shown in FIG. 3). Then, the reading mode is displayed on the guide screen 2. When the customer presses the read key, the cash slot 3 is closed, the amount of money to be transferred is displayed on the guide screen 2 for confirmation, and the execution mode, stop mode, and reprocessing mode are displayed (shown in FIG. 3). Step (6)).

When the customer confirms the amount displayed on the guide screen 2 and then selects the execution mode, the cash inserted into the cash slot 3 is transferred to the own account of Bank A via Bank B, The cash card 8 is returned from the cash card slot 4, and at the same time, the automated teller machine 1 outputs the usage statement. In this example, if the cancel mode is selected in consideration of the convenience of the customer, the transfer mode 7 is ended, the cash slot 3 is opened so that the cash deposited can be taken out, and the cash card slot 4 can be used. The cash card 8 is returned, and the guide screen 2 returns to the initial screen. Further, if the customer selects the reprocessing mode, the cash slot 3 is opened so that the inserted cash can be taken out, and the guide screen 2 is made to stand by in the state where the transfer mode 7 is selected (FIG. 3). Steps (7), (8)).

As described above, in this example, the transfer mode 7 is selected in the automated teller machine 1 of another bank B, and the cash card 8 issued by the bank A that opened the account is inserted into the cash card slot 4. Just by inserting and following the guide display on the guide screen 2 of the automated teller machine 1 of Bank B,
You can transfer cash to your own account at Bank A that opened the account.

The storage medium 10 stores a program that enables such an account transfer operation. By attaching such a storage medium 10 to the automated teller machine 1 and connecting it to another line. It is possible to transfer cash from a certain automated teller machine 1 to its own account. Note that, for safety, the operation of the transfer mode 7 may be disabled unless the correct personal identification number is entered after inserting the cash card 8 into the cash card slot 4 of the automatic teller machine 1. Further, the cash card 8 may be previously written with unique information for carrying out the present invention.

The flow chart shown in FIG. 3 merely shows a preferred embodiment, and the operation procedure and the guide screen 2 are shown.
It goes without saying that there are various modified examples of the method of displaying the guidance of. In addition, the transfer mode 7 shown in the present embodiment
May be displayed separately as the other-bank transfer mode, but it should be noted that it is preferable to use the conventional transfer mode 7 from the viewpoint of simplicity of operation.

(Embodiment 2 of the invention) Next, claim 3
The present invention described in 4 will be described. The embodiment of the present invention shows an example in which the designated account of the member card issuing company is opened at Bank A. Although 6a in FIG. 1 is the customer master file of Bank A, as in the above embodiment, the customer master file 6a includes the name of Bank A, the branch name of Bank A, and the member who opened the account in Bank A. This is different from the above embodiment in that customer information such as the deposit type of the card issuing company and the designated account number is held.

Further, 8 is a member card issued by the member card issuing company, and the magnetic tape of the member card 8 is designated by the member card issuing company A as a transfer destination.
The bank, branch name of A bank, payee name, account type, designated account number, etc. are stored in advance together with the member name, member code, etc. of the member card 8. FIG. 4 is a flowchart showing a procedure in which a user who has borrowed from a member card issuing company repays the loan to the member card issuing company.

A method for a member of the member card 8 to transfer cash to a designated account of the member card issuing company will be described below with reference to FIGS. 1, 2 and 4. First, when the member who has the membership card 8 repays the loan, the automatic teller machine 1 of Bank B is used.
The transfer mode 7 displayed on the guide screen 2 is selected (step (1) shown in FIG. 4).

Next, instead of the cash card issued by Bank B, the member card 8 issued by the member card issuing company is inserted into the cash card slot 4. Then, the automated teller machine 1 reads the member name and the member code stored in the member card 8 in advance, registers the member name as a transfer person, and stores the member card issuing company in the member card 8 in advance. A's bank name specified by
It reads the branch name, payee name, account type, and designated account number of Bank A. Then, such information read by the automatic teller machine 1 is sent to the host computer 5 of Bank B together with the information that the transfer mode 7 is selected.
The host computer 5 of bank B accesses the host computer 6 of bank A, and from the customer master file 6a of bank A, bank A name, bank A branch name, account type,
The account number of the member card issuing company is searched, and the designated account number of Bank A of the member card issuing company is registered as the transfer destination account (step (2) shown in FIG. 4).

Next, an instruction mode for the transfer amount is displayed on the guide screen 2 (step (3) shown in FIG. 4). When the member of the member card 8 inputs the amount of money to be transferred in accordance with the guide display on the guide screen 2, the guide screen 2 displays a transfer type instruction mode (selection between telegraph handling and document handling) (step shown in FIG. 4). (4)). In addition, this kind of transfer is
Most cases are treated as telegraph. If this is taken into consideration and the use is made only for telegraph handling, the step (4) shown in FIG. 4 becomes unnecessary.

When the member of the member card 8 selects the transfer type instruction mode in accordance with the guide display on the guide screen 2,
The cash slot 3 is opened. Then, the member of the member card 8 throws cash to be transferred to the designated account of the member card issuing company into the cash slot 3 (step (5) shown in FIG. 4). Then, the reading mode is displayed on the guide screen 2. When the person who repays the loan to the member card issuing company presses the read key, the cash slot 3 is closed,
The transfer amount is displayed on the guide screen 2 for confirmation, and the execution mode, stop mode, and reprocessing mode are displayed (step (6) shown in FIG. 4).

When the member of the member card 8 confirms the amount displayed on the guide screen 2 and selects the execution mode, the cash inserted into the cash slot 3 is issued by the member card of the bank A through the bank B. It is transferred to the designated account of the former company, the membership card 8 is returned from the cash card slot 4, and at the same time, the usage statement is output. Then, the name of the transfer person and the transfer amount are recorded in the designated account of the member card issuing company.

In this example, if the cancel mode is selected in consideration of the convenience of the member of the member card 8, the transfer mode 7
After that, the cash slot 3 is opened so that the inserted cash can be taken out, the membership card 8 is returned from the cash card slot 4, and the guide screen 2 is returned to the initial screen. If the member of the membership card 8 selects the reprocessing mode, the cash slot 3 is opened so that the inserted cash can be taken out, and the guide screen 2 is made to stand by in the state where the transfer mode 7 is selected. Yes (steps (7) and (8) shown in FIG. 4).

As described above, in this example, the member of the member card 8 selects the transfer mode 7 of the automatic teller machine 1 of Bank B, inserts the member card 8 into the cash card slot 4, and By simply following the guide display on the guide screen 2 of the automated teller machine 1 of Bank B, cash can be transferred to the designated account of Bank A where the member card issuing company has opened an account.

The storage medium 10 stores a program that enables such an account transfer operation. By connecting the storage medium 10 to the automatic teller machine 1 and connecting it to another bank, It becomes possible to transfer cash to the account. In this example, since the membership code stored in the membership card 8 in advance or the member name is also read by the automated teller machine 1, the membership card 8
Does not need to input the name of the transfer person into the automatic teller machine 1.

For the sake of safety, even if the correct personal identification number is not entered after inserting the membership card 8 into the cash card slot 4 of the automatic teller machine 1, the transfer mode 7 cannot be operated. Good. Further, the member card 8 may be preliminarily written with specific information for carrying out the present invention. The flow chart shown in FIG. 4 is only a preferable example, and it goes without saying that there are various modifications in the operating procedure, the method of displaying the guidance display on the guidance screen, the guidance sequence, and the like.

The transfer mode 7 shown in this specific example
May be displayed separately as the membership card transfer mode, but it should be noted that it is preferable to use the conventional transfer mode 7 from the viewpoint of easy operation. Further, in this example, the example in which the designated account of the member card issuing company is opened in Bank A is used only for the purpose of explanation, and the designated member card issuing company is designated. It does not mean that the account is not opened at Bank B. When the designated account of the member card issuing company is opened in Bank B, the automated teller machine of Bank B 1
However, the necessary information such as the name of the bank B, the branch name of the bank B, the recipient name, the type of the account, the account number, etc., which is the transfer destination stored in advance in the membership card 8, is read, and the transfer mode 7 is selected. Along with the information, it is sent to the host computer 5 of Bank B, and the customer master file 5a of the host computer 5 of Bank B is searched for the account number of Bank B of the member card issuing company, and this account number is used as the transfer destination account. Needless to say, after the registration, cash can be transferred to the designated account of Bank B by the same procedure as above.

Also, in this example, an example in which the member card 8 is inserted into the cash card slot 4 is shown.
Only a preferable example is shown, and the automatic teller machine 1 may be provided with a function for reading the membership card 8. It is also possible to provide a dedicated insertion slot for the membership card in addition to the cash card slot 4. Is added. The member card issuer company is obliged to promptly give the receipt to the payer when the payment is received. However, if the usage statement output by the automated teller machine 1 is replaced with the receipt, this obligation is required. Can be easily fulfilled.

In this example, the designated account of the member card issuing company is opened in the bank, but the host computers 5 and 6 of the bank and the host computer of the member card issuing company are connected by a network. By connecting, the host computers 5 and 6 of the bank may directly register the host computer of the member card issuing company, and the cash may be transferred to the host computer of the member card issuing company as the designated transfer destination.

(Third Embodiment of the Invention)
The present invention described in 6 will be described. FIG. 5 is a diagram showing another example of the embodiment of the present invention. This figure shows an example in which the designated account of the member card issuing company is opened in Bank A. In addition to the configuration of FIG. 1, the automated teller machine 1 of Bank B is provided with a customer master file 11a. The host computer 11 of the member card issuing company is connected.

In the figure, 6a is the customer master file of Bank A, which is the same as in the third and fourth embodiments. The customer master file 6a contains the name of Bank A, the branch name of Bank A, and the deposit. The customer information such as the designated account number of a member card issuing company that opened an account in Bank A is stored in the customer master file 11a. Customer information such as name and member code is held.

Further, 8 is a member card issued by the member card issuing company as in the third and fourth embodiments. The magnetic tape of the member card 8 has a member card 8
Member name, member code, etc. are stored in advance, and the information of the company issuing the member card, bank name of the transfer destination, branch name, recipient name, account type, designated account number, etc. are stored. It is different in that it is not done.

FIG. 6 shows a procedure in which the user who has borrowed from the member card issuing company makes a repayment of the loan to the member card issuing company when the member card 8 has such a structure. It is a flowchart. A method for a member of the member card 8 to transfer cash to a designated account of the member card issuing company will be described below with reference to FIGS. 5 and 6.

First, the transfer mode 7 displayed on the guide screen 2 of the automatic teller machine 1 of Bank B is selected, and then the member card 8 is inserted into the cash card slot 4 of the automatic teller machine 1 ( Step (1) shown in FIG.
(2)). Then, the code number instruction mode is displayed on the guide screen 2 (step (3) shown in FIG. 6), and the guide screen 2 is displayed.
If the correct personal identification number is input according to the above, the host computer 11 of the member card issuing company will input the personal identification number and the like input from the member card 8 and the input personal identification number and the personal identification number and the personal identification number registered in the customer master file 11a. The numbers are compared with each other, and if they match, the host computer 11 permits the subsequent access. In addition, the personal identification number may be stored in advance in the membership card 8, so that the automatic teller machine 1 can check the use of this card.

Here, the personal identification number is a number preliminarily agreed between the member card issuing company and the member when the member card is issued, and the member can select any number. There is. By the way, depending on the company issuing the membership card, the company may specify this number.
Further, this number may be referred to as a registration number or an ID number.

Subsequently, the automatic teller machine 1 registers the member name read from the member card 8 as a transfer person, and stores the transfer card prestored in the member card 8 at the host computer 11 of the member card issuing company. Request to send specified account information. In response to this, the host computer 11 reads from the customer master file 11a the bank A name designated as the transfer destination, the branch name of the bank A, the payee name, the account type, and the designated account number, and cash is automatically designated as the designated account information. Reply to the transaction device 1.

Such information received by the automatic teller machine 1 is displayed on the guide screen 2 (step (4) shown in FIG. 6), and the information indicating that the transfer mode 7 has been selected together with the host of the B bank. It is sent to the computer 5. The bank B host computer 5 accesses the bank A host computer 6, and the bank A customer master file 6a.
Search for the bank A name, bank A branch name, account type, and account number of the member card issuing company A bank, and register the designated account number of the member card issuing company A bank as the transfer destination account. .

After that, the same operation as the operation shown in steps (3) to (8) of FIG. 4 is performed. Transfer mode and transfer type instruction mode are sequentially displayed on the guide screen 2 (steps (5) and (6) shown in FIG. 6). When operated according to the guide screen 2, the cash slot 3 is opened and the member , Cash is transferred to a designated account of the member card issuing company (step (7) shown in FIG. 6).

Then, the reading mode is displayed, and when the reading key is pressed, the cash slot 3 is closed, the transfer amount is displayed on the guide screen 2 for confirmation, and the execution mode, the stop mode, and the reprocessing mode can be selected. (Step (8) shown in FIG. 6). Here, when the execution mode is selected, the cash inserted into the cash slot 3 is transferred to the A
Transferred to the designated account of the bank membership card issuing company,
If the stop mode is selected, the transfer mode 7 ends. Further, if the reprocessing mode is selected, the guide screen 2 is made to stand by in the state where the transfer mode 7 is selected (FIG. 6).
Steps (9), (10)).

As described above, in this example, the member of the membership card 8 selects the transfer mode 7 of the automatic teller machine 1 of Bank B, inserts the membership card 8 into the cash card slot 4, and By simply following the guide display on the guide screen 2, cash can be transferred to the designated account of Bank A where the member card issuing company has opened an account. The storage medium 10 stores a program that enables such an account transfer operation, and by connecting such a storage medium 10 to the automated teller machine 1, the member card issuing company's It becomes possible to transfer cash to the account.

In this example, the designated account of the member card issuing company is opened in Bank A, but this is used only for the purpose of explanation. It does not mean that the designated account of the company is not opened at Bank B. That is, when the designated account of the member card issuing company is opened in Bank B, the automated teller machine 1 of Bank B receives the name of Bank B, the branch name of Bank B, the recipient of the transfer from the host computer 11. Even when necessary information such as a person's name, account type, account number, etc. is received, the information is sent to the host computer 5 of the bank B together with the information that the transfer mode 7 is selected, and the host computer of the bank B is sent. From the customer master file 5a of No. 5, retrieve the account number of Bank B of the member card issuing company, register this account number as the transfer destination account, and thereafter, by the same procedure as above, cash to the designated account of Bank B Needless to say, it is possible to transfer money.

(Fourth Embodiment of the Invention)
The storage medium for the account transfer program provided in the automated teller machine of the member card issuing company described in 10 will be described. FIG. 7A is a diagram showing an embodiment of the invention described in claims 7 and 8. Here, the host computer 11 of the member card issuing company and the host computer 6 of the bank A are connected, and the cash card 8 of the bank A is inserted into the automatic teller machine 1 installed in the member card issuing company. When this is done, the inserted cash is transferred to the account of Bank A by the same operation as in FIG.

FIG. 7B is a diagram showing an embodiment of the invention described in claims 9 and 10. Here, in addition to the configuration of (a), the host computer 12 of another member card issuing company having the customer master file 12a is connected to the automated teller machine 1 of the member card issuing company. It is assumed that the designated account of the member card issuing company is opened in Bank A.

A member card 8 of another affiliated company is added to the automated teller machine 1 installed in the member card issuing company.
6 is inserted, the inserted cash is transferred to the designated account of Bank A based on the information received from the host computer 12 of another company by the same operation as in FIG. (Fifth Embodiment of the Invention) Next, a storage medium for an account transfer program provided in the automated teller machine of the management company described in claims 11 to 16 will be described.

FIG. 8A is a diagram showing an embodiment of the invention described in claims 11 and 12. Here, in the automatic teller machine 1, the host computer 13 of the management company,
A host computer 6 of Bank A is connected. In the host computer 13 of the management company, when the cash card 8 of Bank A is inserted into the automatic teller machine 1,
The host computer 6 of the bank is accessed, and the inserted cash is transferred to the account of the bank A by the same operation as in FIG.

FIG. 8 (b) is a diagram showing an embodiment of the invention described in claims 13-16. Here, (a)
In addition to the above configuration, the host computer 11 of the member card issuing company and the host computer 5 of Bank B are connected to the automated teller machine 1 of the management company, and the designated account of the member card issuing company is Bank A. It is assumed that it has been established in.

Automated teller machine 1 installed by the management company
Membership card of affiliated member card issuing company 8
6 is inserted, the inserted cash is transferred to the designated account of Bank A based on the information received from the host computer 12 of the member card issuing company by the same operation as in FIG. Further, in this embodiment, when the cash card 8 of Bank B is inserted into the automated teller machine 1, the inserted card is distinguished from the membership card 8 and the cash inserted into the account of Bank B is checked. You can also transfer it.

Although the first to fifth embodiments of the present invention have been described above, the present invention is not limited to the above-described contents, and the automatic teller machine 1 installed at each place has a transfer amount of money other than cash or more. A cash card of an account that has a deposit of (own bank, another bank), a member card issued by a member card issuing company that has registered such an account, or the like to specify the transfer destination, It may be possible to transfer the card (account to account) from the card so that it can be inserted into the membership card continuously. Also, electronic money may be made available.

Further, the transfer destination is not limited to the bank account, and if the regulation is relaxed and the computer network can be connected, the transfer may be made to the account of the post office. An automatic transaction device and a cash card may be used.

[0077]

According to the storage medium for the direct deposit program described in claim 1, at least the transfer required for the current transfer procedure work is performed according to the guide display displayed on the screen of the automatic teller machine of the bank. Transfer (pay) the name of the person, the bank name of the transfer, the name of the same branch, the name of the recipient, the type of deposit, the same account number, etc. to the inserted cash card account easily and easily without operating the screen keyboard. be able to.

That is, it is possible to easily and simply transfer the cash to the account of the cash card by selecting the transfer mode of the automatic teller machine, inserting the cash card, and the owner of the cash card himself / herself. Of course, there is an advantage that the person who receives a request from the owner (client) of the cash card can reduce the labor when transferring the cash to the client's account, as well as when transferring the cash to the account. .

By storing such an account transfer program in a storage medium, by simply attaching and connecting this storage medium to a conventional automated teller machine, the cash can be transferred in the automated teller machine. You will be able to do it. By using the storage medium for the account transfer program according to claim 2, the transfer mode can be added to the display screen of the automatic teller machine as a tradable item. When the card is read, transaction information such as a bank account stored in advance on the cash card is automatically read, and then the inserted cash can be transferred to the bank. For this reason, simply by selecting the transfer mode of the automated teller machine and inserting the cash card of another bank, the account of the bank of another bank stored as the issuer information of the cash card was inserted. Cash transfer (payment) is possible.

Further, there is an advantage that the bank using the automatic teller machine can receive the income of the transfer fee, and the customer can read the cash card to the automatic teller machine and pay the money from his / her own account. With the same feeling as when withdrawing money, there is an advantage that cash can be easily transferred (deposited) to the own account from the automated teller machine anytime, anywhere.

According to the present invention, cash can be transferred to one's own account from any bank. Therefore,
In particular, for those who have an account with a local bank, if the local bank is not in the neighborhood, conversely, even from a business trip destination (ground), if you can find a familiar bank, automatic cash transaction of that bank There is an advantage that a cash card can be inserted into the device and the cash can be transferred easily and easily to the own account.

Even if there is a difference in business between the bank deposit business and the foreign exchange business by the law, the information already stored in the already issued cash card (card for the customer) is used. This is an action, and as is clear from the comparison between FIG. 3 and FIG. 9, at least eight selections and instructions of step (2) to step (9) shown in FIG. 9 are unnecessary, and the customer is complicated and troublesome. Without taking the necessary procedures
Cash can be easily transferred (deposited) from another bank's own account from the automated teller machine of the bank. If there are legal restrictions, deregulation should be done immediately.

If the storage medium for the account transfer program described in claim 3 is used, the automatic teller machine of the bank is caused to display the transfer mode as a guide, and the transfer mode is selected.
With a simple operation of inserting the membership card, the automated teller machine of the bank reads the issuer information of the membership card and stores it in the designated account of the membership card issuer company stored as the issuer information of the membership card. , Transfer the deposited cash (payment).

That is, the transfer mode of the automatic teller machine of the nearest bank is selected and operated, and the member card is inserted so that the member card issuing company can be designated more easily, more simply, more quickly and accurately. Since it is possible to transfer (repay) cash to the account, the user of the member card does not have to transfer the cash from the dedicated automatic teller machine of the member card issuing company, and transfers the cash to the member card issuing company. There is an advantage that labor (including psychological distress) can be reduced at the time.

By using the storage medium for the bank transfer program according to claim 4, the bank transfer mode can be added to the display screen of the automatic teller machine of the bank as a tradable item. If you select, and load the membership card, the information such as the designated account of the membership card issuing company that is stored in advance in the membership card will be automatically read, and the inserted cash will be used as the membership card issuing company. Transfer to the designated account of. Therefore, for the user of the membership card, select the transfer mode of the automated teller machine of the nearest bank and insert the membership card.
There is an effect that it is possible to transfer (repay) the inserted cash to the designated account stored in the membership card as the membership card issuer information simply by performing such a simple operation.

Further, the number of installed automatic teller machines of the bank is larger than the number of dedicated automatic teller machines of the member card issuing company, and the automatic teller machine of the bank is
Since it is installed all over the country, if the device equipped with the medium of the present invention is adopted, the user of the membership card can carry out the automatic cash transaction of any bank near by by only possessing the membership card. There is an advantage that the device can also repay the loan to the member card issuing company.

On the other hand, for the member card issuing company,
Even if the member card issuing company pays the usage fee for the automated teller machine of the bank, the use of the automated teller machine of the bank will improve the service to members and improve the social status. However, there are enormous benefits such as improved loan collection rate.

Further, for the bank, if the device provided with the medium according to the present invention is adopted, the operating rate of the automated teller machine is increased and the income side due to the handling fee, the transfer fee, etc. is increased, and the member card issuance is issued. Depending on the increase of the deposit balance of the former company and the arrangement with the member card issuing company,
It has the merit of being able to secure low-cost operating funds at all times.

If the storage medium for the account transfer program described in claim 5 is used, the automatic transfer device of the bank is caused to display the transfer mode as a guide, and the transfer mode is selected.
With the simple operation of inserting the membership card, the automated teller machine of the bank reads the information of the membership card, automatically receives the information of the designated account from the company issuing the membership card, and stores it in this designated account. It is possible to transfer the deposited cash.

By using the storage medium for the bank transfer program according to claim 6, the bank transfer mode can be added as a tradable item to the display screen of the automatic teller machine of the bank. Select and load the membership card, and based on the member information and the membership card issuing company's information stored in advance on the membership card, the specified account information is automatically sent from the host computer of the member card issuing company. It is possible to transfer the received cash to the designated account of the member card issuing company.

Therefore, for the user of the membership card, it is only necessary to select the transfer mode of the automatic teller machine of the nearest bank and insert the membership card to perform a simple operation. The effect is that you can refer to the designated account and transfer (repay) the cash that has been deposited. By using the storage medium for the account transfer program according to claim 7 or 8, the transfer mode of the automated teller machine of the member card issuing company can be selected and operated, and a cash card can be inserted to easily and easily. You can transfer cash to your account.

According to this, there is an advantage that the member card issuing company which uses the automatic teller machine can obtain the income of the transfer fee, and the customer does not distinguish the automatic teller machine, There is an advantage that cash can be easily transferred to one's own account from anywhere. By using the storage medium for the fund transfer program according to claim 9 or 10, the transfer mode of the automated teller machine of the member card issuing company can be selected and operated, and a member card of another company can be inserted to easily and easily. You can refer to the account specified by another company and transfer cash. Therefore, the company that issues the membership card has an advantage that the frequency of use of the automated teller machine and the card increases, and the service can be improved.

If the storage medium for the account transfer program according to any one of claims 11 to 16 is used, a cash card can be inserted into the automated teller machine installed in a proper place by the management company in accordance with claims 11 and 12, and In 14, if a member card is inserted, cash can be easily and easily transferred to an account corresponding to each card. Further, in claims 15 and 16, the inserted card is identified, and if it is a cash card, it is transferred to the account stored in the card, and if it is a membership card, the issuing company inquires about the designated account. Then, you can transfer money to the designated account.

If the automatic teller machine according to claim 17 is used, the cash card or the membership card can be used to deal with these cards even from an arbitrary installation location managed by the membership card issuing company or the management company. You can transfer money to a bank account.

[Brief description of drawings]

FIG. 1 is a diagram showing an example of an embodiment of the present invention (bank's automated teller machine).

FIG. 2 is an enlarged view showing a guide screen 2 of the automated teller machine 1 of Bank B.

FIG. 3 is a flowchart showing a procedure of a user in the embodiments of the present invention described in claims 1 and 2.

FIG. 4 is a flowchart showing a procedure of a user in the embodiments of the present invention described in claims 3 and 4.

FIG. 5 is a diagram showing an example of another embodiment of the present invention (bank's automated teller machine).

FIG. 6 is a flowchart showing a procedure of a user in the embodiments of the present invention described in claims 5 and 6.

FIG. 7 is a diagram showing an example of another embodiment of the present invention (an automated teller machine of a member card issuing company).

FIG. 8 is a diagram showing an example of another embodiment of the present invention (an automatic teller machine of a management company).

FIG. 9 is a flowchart showing a procedure for transferring cash using a conventional automatic teller machine.

[Explanation of symbols]

 1 cash automatic transaction device 2 guidance screen 3 cash slot 4 cash card slot 5, 6, 11, 12, 13 host computer 5a, 6a, 11a, 12a customer master file 7 transfer mode 8 cash card, membership card 10 account transfer Storage medium for programs

Claims (17)

[Claims] 1. A bank automatic teller machine displays a transfer mode as a guide, and when the transfer mode is selected and a cash card issued by another bank is inserted, the cash card issued by the other bank is read. A storage medium for an account transfer program, which stores an account transfer program for performing a transfer to a bank account stored as issuer information. 2. When an automatic cash transaction apparatus of a bank displays a transfer mode as a guide, and the transfer mode is selected and a cash card issued by another bank is inserted, the cash card issued by the other bank is read. A storage medium for an account transfer program, which stores transaction information including a bank account stored as issuer information and stores the received cash into the bank account. 3. A member preliminarily stored as issuer information in the read member card when the transfer mode is displayed as a guide on the automatic teller machine of the bank, the transfer mode is selected and a member card is inserted. A storage medium for an account transfer program, characterized by storing an account transfer program for performing a transfer to a designated account of a card issuing company. 4. A member pre-stored in the read membership card as issuer information when the transfer mode is displayed as a guide on the automatic teller machine of the bank, the transfer mode is selected and designated, and the membership card is inserted. A storage medium for an account transfer program, characterized by storing an account transfer program for reading transaction information including a specified account of the card issuing company and transferring the received cash to the specified account of the member card issuing company. . 5. A member card pre-stored as an issuer in the read member card when the transfer mode is displayed as a guide on the automatic teller machine of the bank and the member mode is selected and operated. A storage medium for an account transfer program, which stores an account transfer program for receiving specified account information of the member card issuer company from the host computer of the issuer company and performing transfer to the specified account. 6. A member card pre-stored in the read member card as an issuer when the transfer mode is displayed as a guide on the automatic teller machine of a bank and the member mode is selected and operated. An account transfer program that reads transaction information including information about the issuing company, receives specified account information from the host computer of this member card issuing company, and transfers the received cash to the specified account of the member card issuing company. A storage medium for an account transfer program, which is stored. 7. A member card issuance company, an automatic teller machine, displays a transfer mode as a guide, and when the transfer mode is selected and a cash card issued by a bank is inserted, it is issued to the read cash card. A storage medium for an account transfer program, which stores an account transfer program for performing a transfer to a bank account stored as original information. 8. A member card issuer company's automatic teller machine displays a transfer mode as a guide, and when the transfer mode is selected and a bank card issued by a bank is inserted, it is issued to the read bank card. A storage medium for an account transfer program, which stores an account transfer program for reading transaction information including a bank account stored as original information and transferring the received cash to the bank account. [9] A transfer mode is displayed as a guide on the automated teller machine of the member card issuing company, and when the transfer mode is selected and a member card issued by another member card issuing company is inserted, it is read. It receives the designated account information of the other member card issuer company from the host computer of the other member card issuer company that is stored in the member card in advance as the issuer, and transfers the money to the designated account. A storage medium for an account transfer program, which stores the program. 10. A member card issuing company's automated teller machine displays a transfer mode as a guide, the transfer mode is selected and operated, and when a member card issued by another member card issuing company is inserted, it is read. The transaction information including the information of the other member card issuing company stored in the member card is read, the designated account information is received from the host computer of the other member card issuing company, and the received cash is received. A storage medium for an account transfer program, which stores an account transfer program for making a transfer to a designated account of another member card issuing company. 11. An automatic teller machine of a management company displays a guide for a transfer mode, and the transfer mode is selected and operated.
A storage medium for an account transfer program, characterized in that when a cash card issued by a bank is inserted, an account transfer program for performing a transfer to a bank account stored as issuer information in the read cash card is stored. . 12. The automatic teller machine of the management company displays the transfer mode as a guide, and the transfer mode is selected and operated.
When a bank card issued by a bank is inserted, the transaction information including the bank account stored as the issuer information is read into the read bank card, and the cash transfer program for transferring the received cash to the bank account is stored. A storage medium for an account transfer program, characterized in that 13. The automatic teller machine of the management company displays the transfer mode as a guide, and the transfer mode is selected and operated.
When a membership card is inserted, it receives the designated account information of this member card issuer company from the host computer of the member card issuer company, which is stored in advance in the read member card, and transfers it to this designated account. A storage medium for an account transfer program, which stores an account transfer program. 14. The automatic teller machine of the management company displays the transfer mode as a guide, and the transfer mode is selected and operated.
When the membership card is inserted, the transaction information including the information of the member card issuing company stored in advance as the issuer is read into the read member card, and the designated account information is received from the host computer of the member card issuing company. A storage medium for an account transfer program, characterized in that an account transfer program for transferring the received cash to a designated account of the member card issuing company is stored. 15. The automatic teller machine of the management company displays the transfer mode as a guide, and the transfer mode is selected and operated.
When a membership card or cash card is inserted, the inserted card is identified as a membership card or cash card, and if the read card is determined to be a membership card, it is stored in this membership card in advance as an issuer. If you receive the specified account information of this member card issuer company from the host computer of the member card issuer company and transfer it to this specified account, and the read card is judged to be a cash card, A storage medium for an account transfer program, characterized in that an account transfer program for making a transfer to a bank account stored as issuer information in this cash card is stored. 16. A transfer mode is displayed as a guide on the automated teller machine of the management company, and the transfer mode is selected and operated.
When a membership card or cash card is inserted, the inserted card is identified as a membership card or cash card, and if the read card is determined to be a membership card, it is stored in this membership card in advance as an issuer. An account that reads transaction information including information on the member card issuing company, receives designated account information from the host computer of this member card issuing company, and transfers the received cash to the designated account of the member card issuing company. If the transfer program and the read card are judged to be a cash card, the transaction information including the bank account stored as issuer information is read in this cash card, and the received cash is transferred to the bank account. Memory for a bank transfer program, characterized by storing a program and Body. 17. An automated teller machine, comprising the storage medium for the bank account transfer program according to any one of claims 7 to 16.