JPS6047545A - Transfer service of bank account through customer telephone set - Google Patents

Abstract

PURPOSE:To control effectively transfer between accounts through telephone sets at respective families by providing a terminal equipment with a collating device and an accepting device for the command from a user, and offering service through telephone and performing transfer between accounts. CONSTITUTION:An answering device 2 is provided as the terminal equipment for the service through a telephone network 1 including a telephone exchange equipped with subscribers. This device 2 receives a subscriber's request for the service and instructs the process of the transfer on the basis of the indication. Then, the subscriber dials the predetermined transfer registration number of a bank B and is connected to the device 2 of the bank B. The device 2 judges subscriber's injustice and obtains necessary information for the transfer from the subscriber. This information and previously registered information are confirmed and the procedure of the transfer is commanded.

Description

[Detailed description of the invention] [Field of application of the invention] The present invention proposes a new service using the telephone network.

As the use of telephone networks becomes more widespread and sophisticated in the future, there is expected to be a social need for bank account transfers using in-home telephones as one of the services that will be provided.

- It is related to screws.

[Background of the Invention] f) Conventional bank account transfers require the user to go to a bank counter, withdraw money from one account, and deposit money into another account. Automatic transfers and automatic withdrawals, which are already provided as services, are each independent.
The disadvantage is that the part that bridges these two services requires time and effort, and it is not a complete total service system.

[Purpose of the invention]

An object of the present invention is to utilize a telephone installed in a house as a 1' input device and utilize a telephone network.

connect the path and set it up specifically for this service.

The answering device receives the call and automatically transfers money between accounts.

- To provide services.

[Summary of the invention] l) Transfer of accounts currently in service,.

and payouts are each independent and individual.

- Implemented as a service.

Furthermore, it is desirable to automatically provide a means for transferring from one of the plurality of separately established accounts to another account.

In other words, it is necessary to make regular deposits into an account set up for the purpose of making payments, and transfers between these accounts are bound to occur due to matching with other accounts, and the frequency of these transfers is frequent. It is possible to force it.

I decided to control this transfer from home.

If possible, it will be consistent with conventional services.

This service met the needs of society.

It will become a total system, and the degree of utilization will improve, but it is thought to be a 10.

To meet this demand, telephones in each home are used.

It provides a service that controls transfers between accounts.

[Embodiment of the Invention] 15 Hereinafter, an embodiment of the present invention will be explained with reference to the drawings. A response/response device 2 is installed as a terminal device for this service via a telephone network 1 including a telephone exchange that accommodates subscribers. This response device 2 is configured to receive a request from a subscriber desiring Tonosu service and issue an order for transfer processing based on the instruction. The subscriber dials a predetermined bank B transfer registration number and is connected to bank B answering device R2. The response device 2 determines whether the expeditor is fraudulent and extracts information necessary for transfer from the subscriber.

For example, once you disconnect the connection, call the subscriber again from the answering device 2, and then dial your password. Dial your account number A1゜B.
■Please dial the amount and dial 10, and so on.
Added information.

have someone give instructions.

The information obtained in this way and in advance.

Check the registered information and make sure it matches.

Instruct the transfer procedure after confirmation. 1' As explained above, according to the present invention, transfer procedures between multiple accounts can be controlled from home, which not only improves user efficiency, but also allows the response device 2 to adapt to Bank B's business methods. It has the effect of having the combined functions.

・ 3 ・ It is also possible to install a response device at a telephone office and only transmit instructions to the bank.

〔Effect of the invention〕

According to the present invention, transfers between accounts can be made from home.

It is possible to show that it is possible not only to improve the efficiency of users, but also to increase the demand for services and even telephones.

This will have a significant effect on expanding the use of the service. .

[Brief explanation of drawings]

The figure is a connection system diagram of an embodiment of the present invention. . 1...Telephone network, 10 2...Response device, A, B...Bank. 5 Representative Patent Attorney Akio Takahashi ・　4　・

Claims (1)

[Claims] 1. A means for connecting a terminal device for receiving services to an existing telephone network and receiving instructions from a user to this terminal device, and preventing fraud. A transfer service for bank accounts 10 using an in-home telephone, characterized in that the service is accepted by telephone and transfer processing between accounts is performed.