JPS58169287A - Transfer processing system - Google Patents

Abstract

PURPOSE:To improve services by performing transfer automatically in parallel to either or both of withdrawal from and depositing on a deposit account. CONSTITUTION:When a customer inputs the amount of money to be remitted on a keyboard 1, the data is sent to an amount data storage part 5, from which it is sent to a total amount calculation part 7. The data on the total amount from the calculation part 7 is transferred to a transaction sequence control part 10, from which the data is sent to a customer guidance display part 19 to be displayed. The customer presses a transfer-destination selection button on the keyboard 1 over a look at the display. When the customer selects partial deposition and partial withdrawl, data on a customer's account number is sent to a host computer. Then, when the customer inputs the bank number and account number of a receiver, the data is sent to the host computer. Then the customer inserts bank notes, and the total data on the bank notes is output to the host computer. Thus, transfer is carried out by customer's account withdrawal and deposition.

Description

DETAILED DESCRIPTION OF THE INVENTION (1) Technical Field of the Invention The present invention relates to a transfer processing method, and in particular, in an automatic transaction device, when a transfer is made, the transfer is made without depositing money into the payer's deposit account. The present invention relates to a processing method that automatically performs transfer processing when either the balance or the deposit is used, or both are used together.

(2) Technical background For example, in banks, along with transactions such as payments, deposits, and balance book transfers, transfers are often performed using automatic transaction devices. In this transfer, the transferor transfers the transaction amount to the specified account of the other party, but at this time, the transferor performs the prescribed operation of the automatic transaction device to transfer the amount to the specified account of the other party. specify. If you do it like Jin,
The automated teller machine checks whether the specified amount has been paid by the sender and if so, performs the remittance procedure, and if it has not been paid (3) Conventional technology and problems Conventionally, the above amount There were two methods for transferring funds: ■ Depositing the amount specified by the transferee; and ■ Withdrawing the specified amount from the transferor's savings account. One of these is selected, and the choice is determined at the time of system design, but method (2) is generally used.

However, according to method (■), if the balance in the transferor's deposit account is less than the specified amount to be remitted, the transferor must first deposit the insufficient amount into the deposit account and then make the transfer to complete the remittance procedure. However, there was a problem in that it took a lot of time and effort to complete the deposit procedure. In particular, if the transferor's savings account is a combined account and monthly payments such as telephone charges are automatically withdrawn and transferred to another account, in order to prevent the balance from becoming i-minus, transfer You may want to do this by making a deposit. In such a case, it is required to transfer funds to a deposit account either by depositing only the deposit or by combining withdrawal □ from the deposit account and deposit.

(4) Purpose of the Invention As described above, the present invention aims to improve the problem that in the past, transfers could only be made by either withdrawal or deposit from a savings account, by selectively or by both. This provides a transfer processing method that can be used in combination to transfer funds.

(5) Structure of the invention In order to achieve this objective, the transfer processing method of the present invention:
A deposit mechanism that has a mechanism for counting cash deposited by a customer, an input means for inputting transaction data through operation input by the customer, and processing for debiting or depositing the amount specified by the input means from the customer account. In an automatic transaction device having an account transaction department, there is provided a selection means for specifying the transfer source from either deposit by the depository institution, account withdrawal by the account transaction department, or both, and the transfer amount and Transfer destination data is input, the transfer amount is transferred from the transfer source specified by the selection means, and the account is specified by the transfer destination data.

The feature is that K# transfer amount is transferred.

(6) Embodiment of the Invention Next, an embodiment of the present invention will be described based on FIGS. 1 and 2.

FIG. 1 is a configuration diagram of this embodiment, and FIG. fI82 is a diagram showing its flowchart.

In the figure, the key 1 is a - key, which is used to input various data.

2 is the transaction storage unit and is the key? - It stores the selected transaction type, such as deposit or transfer, among the data input from the dollar.

Reference numeral 3 denotes a password data storage section, which stores the customer's password among the data inputted from the key 1.

Reference numeral 4 denotes a comparator, which compares the password read from the CD card using the card league described below and the password stored above to determine if they match, and generates an output signal when the two match. It is something.

Reference numeral 5 denotes an amount data storage section, which stores the amount of money among the nine data when the key is input from the key 1.

Reference numeral 6 denotes a commission calculator, which calculates a commission based on the amount stored in the amount data storage section 5 according to the type of transaction stored in the transaction storage section 2.

Reference numeral 7 is a unit for calculating the amount of money, which adds the data stored in the amount data storage section 5 and the data calculated by the fee calculator 6.

Reference numeral 8 denotes a beneficiary data storage unit which stores data on the designated account number of the other party of the transfer transaction based on input from the Kini card 1. It is something. .

Reference numeral 9 denotes a confirmation data storage section, which stores data indicating whether or not the specified account number has been correctly specified.

Reference numeral 11 denotes a transaction order control section, which controls all terminal devices according to the procedure order of transfer transactions and causes them to execute transfer procedures.

Reference numeral 11 is a card reader, which is a book for reading the password of a CD card.

ν is a printer that prints transaction details. This printer 12 is provided with an inblink authentication α. This imprinter 12cL copies characters such as the name of the owner of a CD card from K when the pressure-sensitive copying paper is pressed against the raised characters.

2 is a card data buffer, which temporarily stores the data of the CD card that has been read.

14 is a passbook printer; an auto-turn page mechanism 14α that automatically turns the pages of the passbook; a passbook magnetic stripe 14b that reads the magnetic recording section of the passbook; a passbook/passbook journal printing unit that prints the results of transactions on the passbook; 1
It is composed of 4 e.

The passbook magnetic stripe buffer temporarily stores data read from the magnetic recording section.

Reference numeral 16 denotes a banknote discriminating section 5, which discriminates whether a banknote is a genuine banknote or a damaged banknote and calculates the total amount of the backing paper.

Reference numeral 17 is a safe, which stores genuine banknotes that have been authenticated.

The intestine is a banknote discrimination data storage unit, and includes the above-mentioned discrimination.

This is a customer guidance display section that displays and guides the customer through one-key operations that the customer must perform and items that the customer must confirm as the transaction progresses.

BI is the main control unit and controls the operation 7 of the transaction order control unit.

21 is a line control unit that switches and controls the communication line so that it can communicate with the host computer!
be.

Next, the operation of this embodiment will be explained based on FIG. 2.

When the entire device is in the state ready for operation 7 as shown in FIG. 1, the transaction order control unit 1O puts the key 1 into the input waiting state and at the same time displays the message "Please press the transaction button" on the customer transaction display section 19. The customer's key gate 1 is displayed.
Wait for the operation.

■ When the customer presses the key to make a single transfer, the data is stored in the transaction memory 2. The information is immediately transmitted to the transaction order control section, where the start of the transfer transaction is notified.

■ The transaction order control section 10 includes a customer guidance display section 19.
``Please insert the KrCD card into the card reader'' and notifies the Card Dream IIK customer to wait for the CD card to be inserted. When the CD card is inserted into the card slot 11, the card reader II
The data in the magnetic recording section, such as the PIN number, is read by K.
This is temporarily held in the card reader 713 and sent to the comparator 4 from there. When the transaction order control unit 10 is notified that the data has been stored in the data file 7713, it displays “Please enter your PIN” on the customer guidance display unit 19, and the key is 1-customer. Notify you to wait for your PIN to be entered.

(2) When the customer inputs his or her personal identification number, the data is sent to the personal identification data storage section 3, from where it is immediately sent to the comparator 4. The comparator 4 compares this data with the data from the card data buffer 1, and if the data match, it generates an output signal and transmits it to the transaction order control unit It). The transaction order control section 10 causes the customer guidance display section 19K to display a message such as "Please enter the remittance amount" and notifies the customer to wait for input of key gate IK data.

■ When the customer inputs the remittance amount by pressing the key less than -1, this data is sent to the amount data storage section 5, and ? -ζ is immediately sent to the K11 amount calculation unit 7 and simultaneously sent to the fee calculation unit 6. The fee calculator 6 is activated by an activation signal generated from the transfer transaction when it is stored in the transaction storage section 2, and calculates the fee required for the transfer according to the remittance amount. This calculation result is sent to the total amount calculation section 7, where it is added to the remittance amount to obtain the total amount. The total amount data from the total amount calculation section 7 is transmitted to the transaction order control section 10, and from there is further sent to the customer guidance display section 19, where it is displayed.

- The customer looks at this display, compares the above total amount with the balance of the deposit account, and presses the transfer source selection button of key 1. There are three types of transfer sources to choose from: the first option is deposit, the second is deposit account, and the third option is deposit/account. Here, the third deposit/account indicates a partial deposit and a partial withdrawal from the deposit account, and the first and second are respectively the transfer source where the full amount is deposited and the transfer source where the withdrawal is from the own deposit account. It is shown that. Now, when the customer selects the third transfer method, partial deposit and partial withdrawal from account, the transaction order control unit 10 extracts the customer's account number data from the card data buffer ratio, and transfers the data to the line control unit 21.
Send it to the host computer via.

■ After this, the transaction order control unit IO displays the customer guidance display unit 19K such as ``Please enter the recipient's registration number'' or ``Please input the recipient's store number and account number.'' The key tells the -doll to wait for data input. When the customer inputs, for example, the store number and account number, this data is sent to the beneficiary data storage section 8, from where it is immediately sent to the transaction order control section 10K.

■ This data is further transmitted from the transaction order control unit 10 to the host computer via the line control unit ■, where the recipient's numeric data is changed to name data, and this changed data is from the transaction order control unit 10 via the line control unit 21
K is transmitted and displayed on the customer guidance display section 19. At this time, a message such as K is displayed: ``If the recipient is different, press the ``OK''button; if the recipient is different, please press the ``Not accepted''button.''

■ The customer presses the "OK" or "NO" button on key gate 1. This data is sent to the transaction order control section 10.

■ When the transaction order control unit 10 receives the above-mentioned “Acceptable” data, the transaction order control unit 10 causes the customer guidance display unit 19 to display a message such as “Please insert a banknote,” and causes the banknote discrimination unit 16 to display an “operating state.” , When the customer inserts a banknote, the banknote discrimination unit 16 is activated for each banknote inserted.
is discriminated, and data on the total amount of the genuine banknotes is sent to the banknote discrimination data storage section 18. This data can be accessed directly from here.
The information is sent to the IIL order control section 10 and further displayed on the customer guidance display section 19. When the customer sees this and presses the "OK" button on key 1, this data is sent to the confirmation data storage section 9, and then to the transaction order control section 10, where a transfer request message is created. Here, the content of the transfer request message is to instruct that the total amount of the banknotes be deposited into a deposit account, and that the total amount of the transfer amount and fees be withdrawn from the new balance of this account and transferred to the recipient's designated account. It is. This message is sent to the host computer via the line control unit, and if it is determined that the transaction is completed at ζ, a permission command is transmitted from the host computer to the transaction order control unit 10 via the line control unit 21. .

■ From this point, the transaction order control unit 1G operates the printer to print the transaction details on the transaction statement slip.

At the same time, the predetermined information on the CD card is copied by the imprinter section 12ei.

(2) Then, the transaction order control section 10 releases the CD card and the above-mentioned transaction statement slip, and causes the customer guidance display section 19K to display a message such as "Please take the card." The customer takes out the card.

In this way, the transfer process ends.

Note that the above is for the case where a CD card is used, but when using a passbook, among the above @~, %Ot■ is e, ■ is O20, and ■ is O. -O-■-θ
It becomes like -O of -°. The O of e, θ, will be explained below.

e In the above, display the message "Please insert a passbook" on the customer guidance display section 19 and press the passbook printer 1.
Notify 4 to wait for the passbook to be inserted.

When the customer inserts the passbook, the data in the magnetic recording section of the passbook is read by the passbook magnetic stripe reader 144K.

This read data is temporarily held in the passbook magnetic striker 7a, and this holding is transmitted to the transaction order control unit 10.Then, from there, the key is sent to the key card 1 to notify it to wait for data input. It will be done.

O In above (3), the transaction order control unit 10 extracts the account number data from the passbook magnetic strino-puffer and sends it to the host combinator as in (2).

0 In (2) above, the transaction order control section 10 operates the passbook printer 14 to print the transaction details on the passbook.

■ In the above (■), the transaction order control unit IO releases the passbook.

In the above case, part of the money was deposited and part of the money was withdrawn from the deposit account, but if you want to make a withdrawal only from the deposit account, please click the second button in ■ in @~ above. All you have to do is press and press ■ to avoid the deposit procedure. In addition, if you wish to make a transfer only by making a deposit, perform ■ and ■ in the above steps ~, press the first button at ■,
In ■, it is OK to instruct the contents of the message to transfer the remittance amount after deducting the fee from the deposit amount to the recipient's designated account.
do. In this case, ■ is not performed. Note that if the transferee has a deposit account, the transfer using only the above-mentioned deposit is possible in the case of the above-mentioned CD card, and in the case of a passbook (η). Since we have made it possible to automatically perform either withdrawals or deposits, or a combination of both, customers can choose which method they wish to use to transfer money.This improves our service. Even if you have a small balance in your savings account, you can transfer money by simply completing the deposit procedure without depositing money into this savings account.
Even if withdrawals are made regularly every month, it is possible to reduce the worry that the balance will become insufficient due to excessive withdrawals due to transfers.

[Brief explanation of the drawing]

@ Figure 1 is a configuration diagram of an embodiment of the present invention, and Figure 2 is a diagram showing a 7p-chart of this embodiment. In the figure, 1 is a key code, 2 is a transaction storage unit, 3 is a password data storage unit, 4 is a comparator, 5 is an amount data storage unit, 6 is a fee calculation unit, 7 is a payment calculation unit, 8 1 is a recipient data storage unit, 9 is a confirmation data storage unit, 10 is a transaction order control unit, 1
1 is a card league, ν is a printer, 12G is an imprinter, l is a card data buffer, 14 is a passbook printer,
14g! 14b is the automatic turn page mechanism, 14b is the passbook/passbook journal printing unit, positive is the passbook magnetic strige part 7a, 16 is the banknote discrimination unit, 17 is the safe, 14 is the banknote discrimination data storage unit, 1 is the customer guidance display section, 2 is the main control section, and 21 is the line control section.

Claims (1)

[Claims] (1) A depository institution that has a mechanism for counting cash deposited by customers, an input means into which transaction data is inputted by the customer's operation input, and an amount specified by the input means that debits or withdraws the amount specified by the input means from the customer account. An automatic transaction device having an account transaction section for processing deposits is provided with a selection means for specifying the transfer source from either deposit by the depository institution, account withdrawal by the account transaction section, or both, and the transfer is made by the input means. The amount of money and transfer destination data are input, the transfer amount is transferred from the transfer source specified by the selection means, and the transfer amount is transferred to the account specified by the transfer destination data. Transfer processing method.