JPS61115168A - Automatic transaction device - Google Patents

Abstract

PURPOSE:To enhance the use efficiency of cards by selecting the use of account holder's information corresponding to a transaction medium as payer's information or the use of payer's information to be inputted by an input means. CONSTITUTION:The main control part has CRT display part 5 display 'Please push the depositor's button' and also 'KATAKANA' (square form of Japanese syllabary) keys, alphanumeric keys, the keys specifying the name of the company to receive payment, correct key, and complete key. According to this guide, the family names of the card account holder to the names of the payers of the account for common use other than the card holder are inputted and the complete key is pushed. When payment transaction is executed using the card account, the card account holder or the payer's name may be selectively designated, and even if the card account holder is different from the payer's name, or the payer who is different from the card holder, that is, the family name, for example, may carry out the payment in place of the card holder. In this way, the use efficiency can be upgraded.

Description

DETAILED DESCRIPTION OF THE INVENTION [Technical Field of the Invention] The present invention relates to an automatic transaction device, such as an automatic teller machine, that can transfer cash to another financial institution or an ID card from the account.

[Technical Background of the Invention] In recent years, automatic cash machines have been developed that accept magnetic stripe cards submitted by users and have account information recorded thereon, and automatically pay cash requested by users by communicating with a host computer (center). A cash dispenser, or an automatic teller machine that accepts a magnetic passbook with a magnetic stripe on which account information is recorded, and automatically dispenses the cash requested by the user by communicating with a host computer, or a magnetic stripe on which account information is recorded. There are automatic teller machines that automatically accept cash using striped magnetic passbooks, and automatic teller machines that combine both of these functions into one machine. It has rapidly developed as an automation device for bank tellers, and has been introduced by banks to provide quick services to their users.

In addition, recently, the automatic transaction devices mentioned above have been used to accept cash and transfer the accepted cash to another bank account, or to transfer a predetermined amount from one's own account to another bank account by card transaction. A device that performs this has been developed and put into practical use.

[Problems with the background technology] However, in the above-mentioned transfer transaction,
There was a problem in that if the account holder of the card and the transfer person were different, transfer transactions using Cardroza could not be performed. For this reason, if the card holder wanted to make a transfer using a different payer's name, such as a family member's name, or if someone other than the card registrant made a transfer from a shared account, etc., the transfer transaction using Cardro was not possible.

[Purpose of the Invention] This invention was made in view of the above circumstances, and its purpose is to enable transfer transactions to be performed from the Cardroza using transferee information different from the owner of the Cardroza.
An object of the present invention is to provide an automatic transaction device that can improve usage efficiency.

[Summary of the Invention] In order to achieve the above object, when a transfer transaction is performed using an account of a transaction medium, the present invention uses the information of the owner of the account corresponding to the transaction medium as the transfer person information, or uses the input means. This allows you to select whether to use the payer information you enter.

[Embodiment of the Invention] Hereinafter, an embodiment of the present invention will be described with reference to the drawings.

FIG. 1 shows an automatic transaction device according to the present invention. That is, on the front of the housing 1, there is an abbreviated operation section 2.
is formed. On the horizontal surface of this operation section 2, transfer,
In addition to being able to input a large number of banknotes to be transferred at once,
A bill insertion slot 3 for receiving banknote change is provided, and this bill insertion slot 3 is provided with a door 4 that can be opened and closed.

Furthermore, a color CRT display section 5 with a built-in touch sensor is provided on the horizontal surface of the operation section 2 . This CR7 display unit 5 displays operating procedures and other information on the CRT screen in the form of illustrations, characters, or words to guide the user.
By pressing the display area corresponding to approval, confirmation, or cancellation of a transaction, a touch sensor (not shown) detects this, and a so-called key operation is performed that outputs a corresponding signal to the main control unit 11, which will be described later. It is something. For example, as shown in Figure 2, the message ``Please press the name of the payer'' is displayed, as well as a katakana key for inputting the name of the payer, an alphanumeric designation key, and a key that supports the type of business of the recipient. It is designed to display. The contents and display change each time the machine operation or step status changes.

In addition, on the vertical surface of the operation unit 2, there is a card insertion slot 6 into which a magnetic card as a transaction medium in which a PIN number and account information are recorded is inserted, a bankbook insertion lower part into which a bankbook is inserted, and a coin insertion slot into which coins are inserted. 8. A coin change receiving slot 9 for receiving coin change is provided.

By the way, as shown in FIG. 3, inside the housing 1, there is a main control unit 11 that controls the entire system, which accepts a card inserted through the card insertion slot 6, and reads the PIN number and password from the magnetic stripe on the card. a magnetic card reading section 12 that receives account information such as an account number; a passbook printing section 13 that reads the magnetic stripe section of the passbook inserted from the passbook insertion lower and records transaction details on the passbook and journal paper (not shown); A deposit/withdrawal unit 14 that accepts banknotes inserted into the banknote insertion slot 3 and dispenses banknotes of a specified amount into the banknote insertion slot 3; A coin deposit/withdrawal unit 15 that dispenses coins to the coin receiving slot 9, a customer service unit 16 constituted by the CRT display section 5, a voice guidance unit 17 that provides voice guidance to customers through a speaker (not shown), and an internal monitor 18 for the staff. , a floppy disk 19 that reads a data file in which financial institution information necessary for transfer transactions is recorded, a transmission control unit 20 that controls data transmission between the main control unit 11 and a host computer (center) not shown, and a power supply. A section 21 is provided. Further, the main control section 11 is connected to a remote monitor 22 for use by an attendant provided outside.

Next, in such a configuration, FIGS. 4(a) to (d)
The transfer operation will be explained with reference to the flowchart shown in FIG. For example, a customer is now standing in front of this device.

At this time, the message ``Welcome, please specify the handling method'' will be displayed on the CR7 display 5, and the message ``Withdrawal,
Selection keys for "deposit, balance inquiry, passbook entry, transfer, transfer" are displayed. In response to this guidance, the customer presses the button labeled "Transfer". As a result, the main control unit 11
determines to proceed to the next processing step, and displays "Please press the type of transfer" on the CR7 display section 5, as well as a selection key for "cash or card withdrawal" (ST1). Next, the customer presses the part that says "Card withdrawal" according to the instructions (
ST2). As a result, the main control unit 11 determines that the transfer will be made by debiting the card (8T3), and displays the message "Please insert your card" on the CR7 display unit 5 (ST4). Next, the customer inserts the card into the card insertion slot 6 according to the instructions (ST5). Then, the card is taken into the magnetic card reading section 12, and account information such as a password and account number recorded on the magnetic stripe section is read by a magnetic head (not shown) (ST6).

The above account information is checked by the main control unit 11 (S
T7) If it is determined that the card is incorrect, the main control unit 11 performs error processing. Further, if the main control unit 11 determines that the card is correct, it displays “Please press your PIN number” on the CR7 display unit 5, and
A numeric keypad and a correction key are displayed (ST8). Next, the customer follows the instructions and inputs the PIN number by pressing down on the area where the numeric keypad is displayed (S79).
). By inputting this password, the main control unit 11 determines whether the passwords match (5T10), and if they do not match, performs password re-input processing. Also, .

If the PIN numbers match or if it is determined that the cash key has been pressed in step 3 above, the main control unit 11 enters the CR7
On display section 5, press ``Please press transfer amount'' and
A numeric keypad and an amount key are displayed (ST11).

Next, the customer follows the instructions and inserts the amount to be transferred (ST12). With this input, the main control unit 11
7. The display section 5 displays "Press the registration key or designation key depending on whether the destination is registered or not registered" (ST13).

At this time, the main control unit 11 inputs the transfer destination as in the following procedure, and also determines whether the transfer is from Cardroza (5T14), and if it determines that the transfer is from Cardroza, it reads from the card. A host computer (not shown) sends a payment message based on the input account information and the input transfer amount, etc.
(ST15). If a payment permission message is returned from the host computer in response to the transmitted payment message (STI 6), the main control unit 11 retains the payment permission message as is. As a result, while the customer is inputting the transfer destination, that is, in step 13,
．． Payment processing is performed from the customer's account between step 19 and step 41. In addition, if a non-payment message is returned from the host computer in response to the sent payment message, (
ST16.17), the main control unit 11
The CR7 display unit 5 displays "The transfer transaction cannot be performed because the balance is insufficient" and the transfer transaction is interrupted (ST18).

Next, the customer inserts the specified key according to the guidance in step 13 (ST19). When the main control unit 11 determines that the specified key has been input (ST20), the main control unit 11
causes the CR7 display unit 5 to display the message ``Press the name of the destination financial institution'' and a selection key for the financial institution name (type). (ST21). Following this guide, the customer presses down on the financial institution name (
ST22).

By pressing this button, the main control unit 11 determines that it is not an individual institution name (5T23), and further determines that the list is not possible (5T23).
ST24), the main control unit 11 causes the CR7 display unit 5 to display "Please enter the initial letter of the destination bank name", and
Display the katakana key, correction key, and completion key (S
T25). Then, when the completion key is pressed (ST
26>, or if the main control unit 11 determines that the list is possible in step 32, the main control unit 11 displays ``Please press the name of the destination bank'' and displays a bank name selection key (ST27). .

Following this guidance, the customer presses down the name of the destination bank (ST28).

By this depression, or in step 23, the main control unit 1
1 determines that an individual bank name has been entered, and the main control unit 11 determines that a list of branch names is not possible (ST29).
, the CR7 display unit 5 will display "Please enter the initial letter of the destination branch name," and the katakana key, correction key,
A completion key is displayed (ST30). Then, when the completion key is pressed (ST31), or when it is determined in step 29 that the list of branch names is possible, the main control unit 1
1 causes the CR7 display unit 5 to display ``Press destination branch name'' and a branch name selection key (ST32). Following this guidance, the customer presses down the name of the destination branch (ST33).

By pressing this button, the main control unit 11 displays “” on the CR7 display unit 5.
``Please enter the destination account number and deposit type'' and display the numeric keypad, correction key, normal key, and current account key (ST34).

Following this guidance, the customer enters the account number and deposit type (ST35). By this input, the main control unit 11
If it is determined that the address is not the main branch (ST36), the CR7 display section 5 displays "Please press the beneficiary name", and the katakana key, alphanumeric designation key, key to specify the beneficiary's business type, and correction key are pressed. , a completion key is displayed (ST37). Then, when the payer's name is entered in accordance with this guidance and the completion key is pressed (ST41
), if it is determined in step 36 that it is the main branch, or if it is determined in step 2o that the registration key should be input, the main control unit 11 displays on the CR7 display unit 5 the message "The computer is currently processing, please wait for a while" ( ST
42). At this time, the host computer (not shown)
The message from the recipient will include the recipient's store number, account number, name, address,
It includes telephone number 1 and multiple remittance information (comprising bank name (katakana code), branch name (katakana code), account number, deposit type, etc.). The main control unit 11 also sends and receives inquiry messages, and prints the results on journal paper (ST43). The financial institution name, bank name, and branch name as the payer information in the above inquiry message are as follows:
It is designed to be sent and received using Katakana code.

Next, when the main control unit 11 determines registration (ST44
), the CR7 display section 5 displays "Please confirm the beneficiary", the beneficiary information and the first registered transfer information (bank name, bank branch name) are displayed in kanji, and The confirmation key, cancellation key, and next registration designation key are displayed (ST45). Following this guidance, the customer presses the next registration designation key, confirmation key, or cancellation key (ST46). Then, when the main control unit 11 determines to input the next registration designation key (ST47). Returning to step 45, the transfer destination information is changed to the next transfer destination information and displayed, and when it is determined to input the cancellation key (ST4
7) Perform cancellation processing. Further, if the main control unit 11 determines that the registration is not registered in step 44, the main control unit 11
7. Display ``Please confirm recipient'' on the display section 5, and also display a confirmation key and a cancellation key (S
T48). Following this guidance, the customer presses the confirmation key or cancellation key (ST49). Then, when the main control unit 11 determines that the cancellation key has been input (ST50)
, performs the cancellation process.

Furthermore, when the main control unit 11 determines that the confirmation key has been input in step 47.50 and determines that Cardroza is not being used (ST51), the main control unit 11 displays the message “Please press the payer's name” on the CR7 display unit 5. ” is displayed, as well as a katakana key, an alphanumeric designation key, a key for specifying the type of business to which the transfer is to be made, a correction key, and a completion key (ST5).
2).

Then, when the payer's name is entered in accordance with this guidance and the completion key is pressed (ST56), the main control unit 11 displays "Please enter your telephone number" and displays the numeric keypad and completion key. (ST57).

Following this guidance, the customer inputs his phone number and completion key (ST58).

In addition, when it is determined in step 51 that Cardroza is to be used, the main control section 11 causes the CR7 display section 5 to display "Please confirm the name of the payer" and,
Display the payer's name, confirmation key, and correction key read from Cardroza (SV81). In response to this guidance, the customer presses the confirmation key or correction key (SV82).

When the main control unit 11 determines that the correction key has been pressed (SV83), the main control unit displays “Please press the payer's name J” on the CR7 display unit 5, and also displays the katakana key, alphanumeric designation key, Display the key for instructing the type of business location of the transfer destination, the correction key, and the completion key (SV84
). Then, in accordance with this guidance, the name of the family member of the card holder, or the name of a person other than the card registrant such as a shared account, is entered as the payer's name, and the completion key is inserted.

(SV85).

When it is determined that the completion key has been input, the confirmation key has been input in step 83, or the completion key has been input in step 58, the main control unit 11 displays the message ``Confirm if the details of the transfer are correct'' on the CR7 display unit 5. "Please press" is displayed, as well as the details of the transfer, a cancellation key, and a confirmation key (SV59). Following this guidance, the customer presses the confirmation key or cancellation key (SV60).

Then, when the main control unit 11 determines that the cancellation key has been inserted (SV61), it performs a cancellation process and determines that the confirmation key has been input (5T62), and when it determines that the card slot is not being used, the CR7 display unit 5 displays "Banknotes". , please put coins into the respective slots. If you agree, please press the confirmation key." is displayed, as well as a confirmation key and a cancellation key (SV63). Following this guidance, the customer inserts bills into the bill insertion slot 3 and coins into the coin insertion slot 8 (SV64). Then, the banknotes are accepted into the deposit/withdrawal unit 14 and inspected and counted, and the coins are accepted into the coin deposit/withdrawal unit 15 and inspected and counted (
SV40). When the above inspection counting is completed, the main control unit 1
1 causes the CR7 display section 5 to display the input amount on the display in step 59 (SV66). In response to this guidance, the customer inserts the confirmation key and cancellation key <5T67). and,
When the main control unit 11 determines that the cancellation key has been input (SV68
), perform the cancellation process.

Furthermore, when the main control unit 11 determines that the confirmation key has been input,
Alternatively, if it is determined in step 62 that Cardroza is to be used, the main control section 11 causes the CR7 display section 5 to display "Currently processing the computer. Please wait for a while" (SV69).

The main control unit 11 also sends and receives the transfer message, and prints the result on journal paper using a printing device (not shown) (SV70). In response to the end of this printing, the main control unit 1
1 determines whether there is change by comparing the transfer amount with the withdrawal amount or input amount (SV7
1). Then, when the main control unit 11 determines that there is change, the main control unit 11 causes the CR7 display unit 5 to display "Please receive banknotes and coins from their respective receiving slots" and displays the amount of change (SV72 ). At this time, the main control unit 11 operates the deposit/withdrawal unit 14y to discharge change banknotes into the bill insertion slot 3, and operates the coin deposit/withdrawal unit 15 to discharge change coins into the coin receiving slot 9 (SV73). The customer receives change due to this release (
SV74). When the receipt of the change is completed and the main control section 11 determines that there is no change in step 71, the main control section 11 causes the CR7 display section 5 to display "Please receive the card". At this time, the main control section 11 causes the card to be ejected from the card insertion slot 6 (SV76). Next, the customer receives the card (S777) and completes the transfer process.

As mentioned above, when performing a transfer transaction using the Cardro account, you can selectively use the card account holder or the transfer person's name using key personnel as the transfer name. Even if they are different, the card holder can make a transfer using a different payer's name, such as a family member's name, or transfer money from a shared account or the like using a payer's name other than the registrant's name.

In the above embodiment, a bank is used as the financial institution, but the present invention is not limited to this, and a post office may also be used.

[Effects of the Invention] As detailed above, according to the present invention, there is provided an automated transaction device that allows transfer transactions to be made from a Cardro account with different payer information than the owner of the Cardro account, thereby improving usage efficiency. can be provided.

[Brief explanation of the drawing]

The drawings show one embodiment of the present invention, and FIG. 1 is a perspective view of the overall appearance, FIG. FIG. 4 is a flowchart for explaining the transfer operation. 3... Bill insertion slot, 5... CR7 display section, 6...
Card insertion slot, 8... Coin insertion slot, 9... Coin change receiving slot, 11... Main control unit, 12... Magnetic card reading unit, 14... Deposit/withdrawal unit, 15... Coin deposit/withdrawal unit, 16...Customer service unit, 19...Floppy disk. Applicant's agent Patent attorney Takehiko Suzue Figure 1 Figure 2

Claims (1)

[Claims] An automatic transaction device that performs transfer transactions, etc., includes an accepting means for accepting a transaction medium, an input means for inputting transfer person information, a reading means for reading account owner information corresponding to the transaction medium, and a reading means for reading account owner information corresponding to the transaction medium. When performing a transfer transaction using the account, a selection means for selecting whether to use the owner information read out by the reading means or the payer information inputted by the input means as the payer information; 1. An automatic transaction device comprising means for performing a transfer process based on selected payer information.