JPH10198840A - Transfer system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a price paying method without burdening a customer so much and also to make a cancellation operation efficient on the side of a company that receives the price. SOLUTION: When a transferer transfers by using an automatic teller machine(ATM) to a company A such as a sales trader, a service provider which cooperates with a financial institution B bout adding 'customer data' to the name and title of the transferer, and when transfer destination data in which the company A is a payee is inputted, a screen that adds 'customer data' to the name and title of the transferee is offered, and thus the transfer is performed with the 'customer data' of the transferer added.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a transfer method for collecting purchase prices (including service charges) from a large number of customers, and in particular, is configured to streamline payment, collection, settlement, and clearing operations. Things.

[0002]

2. Description of the Related Art When selling goods or providing services to customers, goods sellers such as mail-order sellers and service providers (hereinafter referred to as companies) send bills and transfer papers to request bills. do. A customer (payer) brings a transfer form to a bank and pays the money at a counter, or pays the cash or cash card using an automatic teller machine (hereinafter referred to as ATM).

[0003] In a bank, in order to improve the convenience of a customer who makes periodic payments using an ATM, the transfer destination data (bank name / branch name, account number, name / name) is requested by the customer. Is recorded on a magnetic stripe and the ATM
A dedicated transfer card that does not require the input of transfer destination data is issued, and the relationship between the customer and the transfer destination data is registered in a table of the host computer.

(First Prior Art) When a transfer is made by using an ATM card by using an ATM card, (1) "transfer" is selected on an ATM menu screen (a in FIG. 6) to select a transfer method. A selection screen (b in FIG. 6) is displayed. (2) If you select “Transfer with bankbook and card” or “Transfer with card”, you will be asked to insert a cash card. ) Insert the cash card and enter the customer's `` account number '' and `` name / name '', (4) operate the numeric keypad to enter the `` password, '' and (5) operate the numeric keypad to `` transfer amount And (6) Entering "Transfer destination data" using the transfer-only card. (7) A confirmation screen (d in FIG. 6) showing the client data, the transfer destination data, and the transfer amount is displayed. In this screen, "Confirmation key"
When you press, (8) Withdraw from the customer's deposit account and transfer to the company's account.

(Second Prior Art) When a cash card is used for the first time while registering the company's transfer destination data in a host computer using an ATM, the ATM menu screen (a in FIG. 6) (1) When you select "Transfer", the screen for selecting the transfer method (Fig. 6b) is displayed. (2) When you select "Transfer with bankbook and card" or "Transfer with card" (3) Insert the cash card and enter the customer's "account number" and "name / name".
Enter the "PIN" by operating the numeric keypad, and enter (5) the "Transfer amount" by operating the numeric keypad. (6) The screen changes to the transfer destination data entry screen. ”,“ Account Number ”, and“ Name ”.

[0006] (7) The transfer destination "name / name", "bank name /
A confirmation screen (d in FIG. 6) showing the transfer destination data consisting of the “branch name” and “account number”, the transfer amount, and the “name / name” of the client is displayed. Pressing the "confirmation key" will debit the customer's deposit account and transfer it to the corporate account. (8) The “transfer destination data” confirmed here is registered in correspondence with the “account number” of the customer.

[0007] When using an ATM to transfer a cash card based on the transfer destination data of a company already registered in the host computer, the following operations are required on the ATM menu screen (a in FIG. 6). Is displayed, a screen for selecting a transfer method (FIG. 6B) is displayed.
If you select "Transfer with bankbook and card" or "Transfer with card", you will be asked to insert a cash card. (3) Insert a cash card and enter the customer's "account number" and "Name / Name" ) And (4) Use the numeric keypad to enter the `` PIN code ''. (5) Use the numeric keypad to enter the `` Money transfer amount ''. (6) A list of the already registered transfer destination data (C in FIG. 6) is displayed, (7)
When you select the transfer destination data you want to transfer, (8) Transfer destination data consisting of the transfer destination's "name / name", "bank name / branch name", and "account number", transfer amount, and "name / name" of the client Is displayed (d in FIG. 6) indicating
Here, when the final confirmation is made and the “confirmation key” is pressed, the customer is debited from the customer's deposit account and transferred to the corporate account.

(Third Prior Art) When using an ATM to transfer money to a company for the first time, select (1) “Transfer” on the ATM menu screen (a in FIG. 6). A screen for selecting the transfer method (b in FIG. 6) is displayed. If you select (2) “Transfer with cash”, (3) a screen for inputting the “phone number” and “transfer amount” of the client Is displayed, enter the "telephone number" and "transfer amount" here, and the cash slot will open.If you insert cash, the screen will change to the (4) Transfer destination data entry screen.・ Branch name ”,“ Account number ”,“ Name / Name ”
Enter

(5) Next, the screen changes to a screen for inputting the “name” of the client. Here, the “name” of the client is entered.
(6) Transferee data consisting of the transferee's “Name / Name”, “Bank / Branch Name”, “Account Number”, transfer amount, “Name / Name” of the client, “Telephone Number” Is displayed (e in FIG. 6). When the final confirmation is made and the "confirmation key" is pressed, the inserted cash is transferred to the account of the company. (7) If it is desired to register the "transfer destination data" confirmed here and the "telephone number" of the customer in association with each other, the registration can be performed on the recipient registration screen.

When using an ATM to transfer money to a company in which "transfer destination data" has already been registered, (1) "transfer" on the ATM menu screen (a in FIG. 6).
When you select, a screen (b in FIG. 6) for selecting the transfer method is displayed. If you select (2) "Transfer with cash", (3) "Phone number" and "Transfer amount" of the client Is displayed, enter the `` phone number '' and `` transfer amount '' here, and the cash slot will open.When you insert cash, (4) the phone number is already registered. A list of transferee data (c in FIG. 6) is displayed. (5) When you select the transferee data you want to transfer,
(6) The name of the transfer destination, the name of the bank / branch,
A confirmation screen (e in FIG. 6) showing the transfer destination data consisting of the "account number", the transfer amount, and the "name / name" of the client is displayed. Here, the final confirmation is made and the "confirmation key" is entered. When pressed, the deposited cash is transferred to the company's account.

Regardless of the method of transfer by transfer paper or transfer by ATM, the company checks the payment based on the "name and name" of the customer who made the transfer (so-called payment operation). Was a complicated and labor-intensive operation.

[0012]

In order to increase the efficiency of the remittance work on the company side in such a conventional transfer method, in addition to the "name and name" of the transferred customer, a pseudonym for identifying the customer is required. It is desired to add "customer data" consisting of characters, numbers, alphabets, and the like.

[0013] However, when a cash card is transferred by ATM, the customer is notified of the "name / name"
"Name" is limited to the name and name at the time of opening an account registered in the host computer in advance.
No identification data or the like could be added to the name.

Accordingly, the present invention has been conceived in order to solve such a problem in settlement, and provides a method of paying a customer without much effort and a company receiving the money. The purpose is to make the reconciliation work on the side more efficient.

[0015]

In order to achieve this object, a transfer method according to the present invention provides a distributor or service provider in cooperation with a financial institution for adding "customer data" to the name of a transfer person. For companies such as traders,
When the transferee uses the automatic teller machine to transfer money, when the transferee data with the above company as the recipient is entered,
A screen for adding “customer data” in addition to the name and name of the transfer person is provided, and the transfer is made by adding the “customer data” of the transfer person.

[0016]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS As shown in the service system diagram of FIG. 1, a company (hereinafter referred to as an affiliated company) that has partnered with Bank B for adding "customer data" in addition to the name and name of customer C. A sends an invoice and a transfer form to the customer B to request a payment every time an article is sold or a service is provided in accordance with an order from the customer C. At this time, “customer data” is added to the bill and the transfer form along with the name and the name of the customer C.

[0017] The customer C operates the ATM of the bank B and transfers the payment based on the bill to the company A by cash or cash card.

(First Embodiment) When a customer first makes a cash card transfer to an affiliated company using an ATM, the ATM menu screen (a in FIG. 2) shows (1)
If you select "Transfer", the screen will change to (2) Transfer method selection screen (b in Fig. 2). Select "Transfer with bankbook and card" or "Transfer with card" to insert a cash card. (3) Insert the cash card and enter the customer's `` account number '', (4) operate the numeric keypad and enter the PIN and transfer amount,
(5) When the screen changes to the transfer destination data input screen, enter the payee information such as the "bank name / branch name", "account number", and "name / name" of the transfer destination.

(6) The "bank name / branch name" and "account number" of the transfer destination entered by the host computer
If it is determined that it belongs to an affiliated company, the screen changes to the “Customer Data Addition Screen” (d in FIG. 2). After inputting the "customer data" (1234), pressing the "confirmation key" changes the screen to (7) "customer data confirmation screen" (e in FIG. 2) and displays the input "customer data" (1234). If the "customer data" is incorrect, pressing the "correction key" returns to the "customer data addition screen" (d in FIG. 2) and re-enters. If the "Customer data" displayed here is correct and the "Confirmation key" is pressed, (8) the transfer destination "Name / Name", "Bank / Branch name", "Account number"
A confirmation screen (f in FIG. 2) showing the transfer destination data, the transfer amount, and the “name / name” of the client is displayed.
Here, when the final confirmation is made and the "confirmation key" is pressed, the customer is debited from the deposit account and transferred to the corporate account.

(9) "Transfer destination data" confirmed here
Is registered for the customer's "account number",
When "Yes" is selected in the "registration confirmation screen" (h in FIG. 2), registration is performed. At the time of this registration, "customer data" is added and registered together with "transfer destination data". (1
0) In a company, the deposit status can be known by registering in a passbook or by using an electronic banking system (EB system). At this time, the customer's "
Since "customer data" is added in addition to the "name", it is possible to easily perform a payment confirmation operation (application operation).

In the transfer destination data input screen, even if the transfer destination data input by the customer is that of a partner company, the transfer destination data is displayed on the "Customer data addition screen" (d in FIG. 2).
When “confirmation” is selected, the screen directly goes to “confirmation screen” (f in FIG. 2). On the transfer data input screen, if it is determined that the transfer data entered by the customer does not belong to the affiliated company, the "customer data addition screen"
(Confirmation screen) directly without displaying (d in FIG. 2)
(F in FIG. 2) is displayed.

When a customer makes a cash card transfer to an affiliated company for the second time or later by using an ATM, when (1) "transfer" is selected on the ATM menu screen (a in FIG. 3), (2) ) Screen to select transfer method (Fig. 3b)
If you select "Transfer with bankbook and card" or "Transfer with card", you will be asked to insert a cash card. (3) Insert a cash card and enter the customer's `` account number '' Enter the password, and (4) operate the numeric keypad to enter the password and the transfer amount. (5) A transfer destination selection screen (see FIG. 3) showing a list of transfer destinations already registered for each "account number" of the customer. When you select one transfer destination, it changes to (c). (6) The "bank name / branch name" and "account number" of the selected transfer destination are selected by the host computer.
However, if it is determined that the data belongs to a partner company, "customer data" (5678) is displayed instead of the "customer data confirmation screen" (e in FIG. 3).
When "Confirm" is selected, (7) Transfer destination data consisting of "Name / Name", "Bank / Branch name", and "Account number" of the transfer destination based on the registered "Transfer destination data", A confirmation screen (f in FIG. 3) showing the transfer amount and the customer's "name / name" is displayed. When the final confirmation is made and the "confirmation key" is pressed, the company is debited from the customer's deposit account and Will be transferred to your account. (8) For companies, "customer data"
With the attached "Name / Name", the payment confirmation work (application work) can be easily performed.

If it is desired to correct the "customer data" displayed in step (6), a "correction key"
Pressing changes the display to the "customer data addition screen" (d in FIG. 3), so that the "customer data" can be corrected on this screen.

(Second Embodiment) When a customer transfers money to a partner company for the first time using ATM, the ATM
In the menu screen (a in FIG. 4), when (1) "transfer" is selected, (2) a screen for selecting a transfer method (FIG. 4)
If you select "Transfer with cash", (3) a screen for inputting the "phone number" and "transfer amount" of the client is displayed. Here, "phone number" and " When you enter the transfer amount, the cash slot opens, and when you insert cash, the screen changes to the (4) Transfer destination data entry screen, so the transfer destination's bank name / branch name, account number, and name / name ".

(5) Next, the screen changes to a screen for inputting the “name / name” of the client. Here, the “name / name” of the client is displayed.
(6) By the host computer, the "bank name / branch name" and "account number"
Is determined to belong to an affiliated company, the screen changes to a “customer data addition screen” (e in FIG. 4). After inputting "Name" with "Data" and pressing the "Confirmation key", (7)
Confirmation screen showing the transferee data consisting of "name", "bank name / branch name", and "account number", transfer amount, and "name / name" of the client with "customer data" appended thereto (f in FIG. 4). ) Is displayed, and when the final confirmation is made here and the "confirmation key" is pressed, the cash inputted by the customer is transferred to the account of the company.

(8) "Transfer destination data" confirmed here
Is registered in association with the customer's "telephone number", "Yes" is displayed on the "registration confirmation screen" (h in FIG. 4).
Select to register. At the time of this registration, "customer data" is added and registered together with "transfer destination data".

(9) In the case of a company, it is necessary to record in a passbook,
The electronic banking system (EB system) allows the user to know the deposit status. At this time, since “customer data” is added in addition to the “name / name” of the customer, it is possible to easily perform a payment confirmation operation (application operation). If it is determined on the transfer destination data input screen that the transfer destination data input by the customer is not that of a partner company, the "customer data addition screen" (e in FIG. 4) is directly displayed without displaying the "customer data addition screen". Confirmation screen ”(Fig. 4
Move on to f).

When a customer makes a cash transfer to an affiliated company for the second time or later by using an ATM, when (1) "transfer" is selected on the ATM menu screen (a in FIG. 5), (2) The screen changes to the screen for selecting the transfer method (b in FIG. 5). If you select "Transfer with cash", (3) the screen for inputting the "phone number" and "transfer amount" of the client is displayed. If you enter your "phone number" and "transfer amount" here, the cash slot will open.
(4) The screen changes to a transfer destination selection screen (c in FIG. 5) displaying a list of transfer destinations already registered for each "telephone number" of the customer. When one transfer destination is selected, (5) the host computer If it is determined that the bank name / branch name and the account number of the selected transfer destination belong to a partner company, the screen changes to a "customer data confirmation screen" (d in FIG. 5). , On this screen, select "Confirm"
(6) Based on the registered "transfer data", the payee data consisting of "name / name", "bank / branch name", and "account number" of the payee, transfer amount, "customer data"
A confirmation screen (f in FIG. 2) showing the client's "name" is displayed. When the final confirmation is made and the "confirmation key" is pressed, the cash input by the customer is Transferred to the company's account.

(7) The company can easily perform the payment confirmation work (clearing work) using the “name / name” with “customer data”.

(Third Embodiment) Note that in the case of a partner company that requires the addition of "customer data", for example, a "bill number" for each transfer, the first embodiment and the second embodiment In the embodiment, the "procedure for the first time the customer transfers to the affiliated company" may be performed for each transfer.

[0031]

As is clear from the description based on the above embodiment, according to the transfer method of the present invention, the transfer procedure is simplified for the customer, and the transfer is performed without any labor at the affiliated company. We can confirm the situation and apply.

[Brief description of the drawings]

FIG. 1 is a system diagram of a service showing a transfer method of the present invention,

FIG. 2 is a diagram illustrating an example of an ATM screen on which a transfer is executed for the first time according to the first embodiment of the present invention;

FIG. 3 is a diagram illustrating an example of a screen of an ATM for executing a transfer from the second time onward in the first embodiment of the present invention;

FIG. 4 is a diagram illustrating an example of an ATM screen for executing a first-time transfer in the second embodiment of the present invention;

FIG. 5 is a diagram illustrating an example of an ATM screen for performing a transfer from the second time onward in the second embodiment of the present invention;

FIG. 6 is an example of a conventional ATM screen for executing a transfer.

[Explanation of symbols]

 A Company B Customer C Bank

Claims (2)

[Claims] Claims 1. Addition of "customer data" to the name and name of the transferor The transferor uses an automatic teller machine to a company such as a distributor or service provider affiliated with a financial institution. At the time of transfer, when the transferee data with the above-mentioned company as the recipient is entered, a screen for adding "customer data" in addition to the name and name of the transferee is provided, and the "customer data" A transfer method characterized by adding a payment. 2. The transfer method according to claim 1, wherein a company affiliated with the financial institution distinguishes a paid person and an unpaid person based on “customer data”.