JPH09259329A - Payment bank book and automatic teller machine - Google Patents

Abstract

PROBLEM TO BE SOLVED: To enable the payment of cash only by means of the insertion of a payment bank book and to bring much convenience to a customer by using the bank book having payment-only pages into which payment transaction processing information are written. SOLUTION: The payment bank book 7 has the payment-only pages for writing information on payment transaction and payment transaction information containing payment destination financial institution name entry column, a branch name code column, a payment destination account number column, an account type column discriminating a current account or a deposit account and payment destination name column can be written. The bank book processing part 11 of an automatic cash transaction machine reads payment transaction information entered in the payment bankbook 7 by an incorporated optical reader 17. A control part 16 executes a payment processing in accordance with payment transaction information and informs the customer giving a payment request through a customer operation screen 13 of a transaction situation. The customer selects and designates the arbitrary payment destination from the plural payment destinations in the customer operation screen 13. The control part 16 executes the payment processing as designated.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a bankbook and an automated teller machine, and more particularly to a bankbook and an automated teller machine used for a handwritten transfer of information necessary for a banking transaction process.

[0002]

2. Description of the Related Art A conventional transfer transaction process in an automatic teller machine is a method of manually processing the information necessary for the transfer transaction process by key input using a customer operation screen of the automatic teller machine. Then, a method of performing transfer transaction processing by using a card for exclusive use of transfer which is preliminarily created so that the transfer destination information is read by the card processing device of the automated teller machine has been put into practical use.

[0003]

In the above-mentioned conventional transfer transaction processing in the automatic teller machine, the information necessary for the transfer transaction processing is manually input using the customer operation screen of the automatic teller machine. In the transfer transaction processing, there are problems that an input error is likely to occur and that it takes time to input. In addition, when using a transfer-only card, in order to add a transfer destination, you need to enter the transfer destination from the bank window or the customer operation screen of the automated teller machine and add it. Therefore, you can only specify up to three transfer destinations in one transfer-only card, and if you change the transfer destination already registered in the transfer-only card, you will have to create a new one, which is inconvenient. There is also a problem.

An object of the present invention is to use a passbook having a transfer-dedicated page for writing transfer transaction processing information, thereby making it possible to transfer cash only by inserting the transfer passbook, which brings great convenience to customers. To provide an automatic teller machine.

[0005]

The transfer passbook of the present invention is configured to provide a transfer-dedicated page for writing transfer transaction processing information including a transfer destination financial institution name and a transfer destination account number.

The transfer passbook of the present invention may include, as transfer transaction processing information, a branch name and a branch code of a transfer destination financial institution, a transfer destination account number and a transfer destination name.

The automated teller machine of the present invention performs an optical character reading device for reading the transfer transaction information described in the transfer passbook and a transfer process in accordance with the transfer transaction information described in the transfer passbook, and makes a transfer request. And a control unit that notifies the customer of the transaction status via the display unit, receives the information input by the customer, and controls the information to be reflected in the transfer process.

[0008]

Next, embodiments of the present invention will be described with reference to the drawings.

FIG. 1 is an explanatory diagram for explaining an embodiment of a bankbook of a transfer according to the present invention.

The transfer passbook 7 of the present invention has a transfer-dedicated page 1 for writing information relating to a transfer transaction. Transfer-only page 1, transfer destination financial institution name entry column 2, branch name code column 3, transfer destination account number column 4, account type column 5 for distinguishing current account or savings account, transfer destination name It is configured so that the transfer transaction information including the column 6 can be written.

FIG. 2 is a perspective view showing an embodiment of the automatic teller machine of the present invention.

The automated teller machine 10 of the present invention includes a passbook processing unit 11 having an optical character reading device for reading the transfer transaction information described in the transfer passbook 7 and a printing machine for printing, and a card for reading. A card processing unit 12 for performing, a customer operation screen 13 operated by a customer touching the screen, a banknote processing unit 14 for depositing and withdrawing banknotes, a coin processing unit 15 for depositing and withdrawing coins, and control of the entire apparatus And a control unit 16 that performs

Next, the operation will be described.

FIG. 3 is a block diagram for explaining the operation of the automatic teller machine of the present invention. The passbook processing unit 11
An optical character reading device 17 for reading the transfer transaction information described in the transfer passbook 7 is provided therein.

First, when a customer who wishes to make a transfer opens a transfer-dedicated page of the transfer bankbook 7 and causes the bankbook processing unit 11 to inhale it, the bankbook processing unit 11 uses the built-in optical reading device 17 to write the transfer bankbook 7. The transfer transaction information is read and the read result is sent to the control unit 16. The control unit 16 performs the transfer process in accordance with the transfer transaction information described in the transfer passbook 7, and notifies the transaction status with the customer who has made the transfer request via the customer operation screen 13. The customer selects and designates an arbitrary transfer destination from a plurality of transfer destinations on the customer operation screen 13. Operation unit 1
6 receives the information that the customer inputs from the customer operation screen 13, and performs the transfer process as specified.

The transfer transaction information to be written in the transfer-dedicated page 1 of the transfer passbook of the present invention can be type print or handwritten characters.

[0017]

As described above, according to the present invention, the transfer passbook is provided with the transfer dedicated page for writing the transfer transaction processing information including the transfer destination financial institution name and the transfer destination account number. , Transaction status between the optical character reading device that reads the transfer transaction information described in the transfer passbook and the transfer transaction according to the transfer transaction information described in the transfer passbook, and the customer who made the transfer request via the display unit. By providing a control unit that notifies that, and controls to receive the information input by the customer and reflect it in the transfer process, it is possible to transfer the cash only by inserting the transfer passbook, which brings great convenience to the customer. There is.

[Brief description of drawings]

FIG. 1 is an explanatory diagram for explaining an embodiment of a transfer passbook of the present invention.

FIG. 2 is a perspective view showing an embodiment of an automatic teller machine of the present invention.

FIG. 3 is a block diagram for explaining the operation of the automatic teller machine of the present invention.

[Explanation of symbols]

 1 Transfer-only page 2 Transfer destination financial institution name entry field 3 Branch name code field 4 Transfer destination account number field 5 Account type field 6 Transferee name field 7 Transfer bankbook 10 Cash machine 11 Passbook processor 12 Card processor 13 Customer Operation screen 14 Banknote processing unit 15 Coin processing unit 16 Control unit

Claims (3)

[Claims] 1. A transfer passbook provided with a transfer-dedicated page for writing transfer transaction processing information including a transfer destination financial institution name and a transfer destination account number. 2. The transfer passbook according to claim 1, wherein the transfer transaction processing information includes a branch name and a branch code of a transfer destination financial institution, a transfer destination account number, and a transfer destination name. 3. A display unit between an optical character reading device for reading the transfer transaction information described in the transfer passbook and the customer who has made a transfer request in accordance with the transfer transaction information described in the transfer passbook. An automatic teller machine, characterized in that it has a control section for notifying the transaction status via, and for receiving the information inputted by the customer and reflecting it in the transfer processing.