JPS61117661A - Transfer processing system - Google Patents

Abstract

PURPOSE:To register a transfer destination together with a register number in a center device if the transfer destination is not registered and to transfer processing to the same transfer destination is performed hereafter, by detecting whether the transfer destination is preliminarily registered in the center device or not. CONSTITUTION:If the transfer destination is not preliminarily registered, the detailed statement of the recipient side is printed first by a card inprinter 26. When a branch number recorded on the magnetic card of a customer coincides with a branch number stored in a non-volatile memory 23 of a transfer processing device (its own branch), a CPU 20 edits a text including contents of items of the transfer or the like and transmits it to the center to register it preliminarily. When receiving this text, the center stores the account number of the transfer destination together with the register number in a register file and transmits it to the transfer processing device. The transfer processing device prints the register number from the center on a receipt and displays the picture of the receipt on a CRT and ejects the magnetic card and the receipt. The customer uses the register number printed on the receipt to transfer money to the same transfer destination.

Description

TECHNICAL FIELD The present invention relates to a transfer processing method, and more particularly to a transfer processing method when a customer uses a dedicated magnetic card to perform a transfer processing at a financial institution.

BACKGROUND ART Conventionally, automatic transaction devices in financial institutions do not have a kana character input section, financial institution name data, branch name data, etc. that are essential for transfer processing. Therefore, when making a transfer using this automatic transaction device, the customer making the transfer must notify the transaction institution in advance of detailed information of the transfer destination.

For this reason, the current situation is that the transfer function of automatic transaction devices is not used much.

Purpose of the Invention Therefore, the present invention provides, when a transfer destination is not registered in advance, the transfer destination's financial institution name, branch name, subject selection, and account number (in the case of transfer to another bank, the recipient's name). When you enter each data and perform the transfer process, please register the transfer destination together with the registration number at the end of the transfer transaction, and use this registration number when making the next transfer to the same transfer destination. The purpose is to provide a transfer processing method that enables automated transfers and labor savings.

Structure of the Invention In the transfer processing method according to the present invention, when a customer makes a transfer using an information card dedicated to the customer, when transfer destination information is input, it is determined whether or not this transfer destination has been registered in advance in the center device. and a registration means that registers the information of the remittance together with the registration number in the center device in response to the detection of non-registration of the remittance by the detection means. The configuration allows transfers to be made based on the registration number during processing.

Example Hereinafter, the present invention will be explained in detail using the drawings.

FIG. 1 is a diagram showing the appearance of an embodiment of the present invention, which includes a transfer processing device, a display device (hereinafter referred to as CRT) 2 for displaying information such as customer operation procedures and details of deposits, and a CRT 2. A group of function keys 3 provided at the bottom, a real-time handwriting section 4 for entering the recipient's name, etc., a group of indicator lamps 5 for guiding input to the real-time handwriting section 4, and a real-time handwriting section 4. A handwriting pen 6 for filling in the handwriting section 4, correction of characters written in the real-time handwriting section 4, and the beginning of the destination bank name and branch name.
Paternal keyboard for character selection 7, numeric keypad group 8. Information card insertion/return slot for magnetic cards, etc.9. It has a receipt outlet 10 and an entry completion area 4A. It is assumed that the present retrieval processing device 1 does not have a cash deposit/withdrawal function. Furthermore, a teller keyboard 11 is connected to this transfer processing device IK by cable, and this teller keyboard 11 has a numeric keypad 11A and a display IIB.
It is equipped with

FIG. 2 is a diagram showing the internal configuration of the transfer processing device 1 shown in FIG. 1. Referring to FIG. 2, there is a transfer processing device, preferably a central processing unit (
(hereinafter referred to as CPU) 20,
U20 includes program memory 21. volatile memory 22
．． Non-volatile memory 23° center line control section 24. Cartoy/plitter control section 25, display control section 1, handwriting tablet control section 28. A function key control section 4, an internal operation panel control section 30, an external storage device control section 31, and a teller keyboard control section 32 are connected.

Program memory 21. The volatile memory 22 and the nonvolatile memory 23 are each connected to an external storage device (not shown) such as a floppy disk via an external storage device control unit 31.
It stores programs that are loaded from and execute processing, transaction amounts, line buffer data, transaction summary data, etc.

The center line control unit 24 and the external storage device control unit 31 include
Communication lines and external storage devices (not shown) are connected to each other, and each performs line control and data transfer control for communication with the center.

A card imprinter 26 is connected to the card imprinter control section 25, as shown in FIG. The card imprinter 26 prints the bank number 1 stored on the magnetic card.
It reads various data such as bank account numbers and PIN numbers, writes them onto magnetic cards, prints transaction data on receipts and journals, and discharges and collects magnetic cards and receipts.

The handwriting tablet control section 28 also controls the real-time handwriting section 4.
Entry end area 4A, indicator lamp group 51 handwriting 6.5
The display control unit 27. controls the zero-order keyboard 7 and the group of ten keys 8. Funk/Yo/Key control section 29. Internal operation panel control section 30 and teller keyboard control section 32
, CRT2. Function key group 3. C.P.
It monitors the status of U20 and controls the teller keyboard 11.

FIG. 3 is a flowchart showing the key operations performed by the customer and the processing steps of the CPU 20 in the transfer processing device 1. The operation of this actual winding example will be described below with reference to FIG.

First, the CPU 20 displays a guide screen on the screen of the CRT 2 for prompting the user to select whether or not to use a magnetic card, and the F/R/PC group 3.
Display functions and functions. The customer specifies the transaction method by operating a predetermined F/R/Y key in the function key group 3 and selecting whether or not a magnetic card is present [Step (1)].

When a customer specifies a transaction using a magnetic card, the CPU
20 changes the CRT 2 screen to a magnetic card insertion guidance screen. Then, the customer inserted the magnetic card into the card return slot 9.
[Step (2)], enter the PIN number and bank number stored on the magnetic card.

The branch number 9, location number, subject number, etc. are sent to C through the card imprinter 26 and card imprinter control unit 25.
It is read into P U 20, and CBr4 becomes a password input guidance screen. When the customer manually enters the PIN number by operating the number pad 8 [step (3)], the CPU 20
It is checked against the magnetic card password entered in step (2), and if they match, the process proceeds to step (4), but if they do not match, the process returns to step (3). The number of discrepancies is C
The PU 20 counts, and when a mismatch occurs three times in a row, the magnetic card is ejected to the card insertion/return slot 9. Note that the verification of the password may be performed on the center side via the center line control unit 24 and the communication line.

In step (1), if the customer does not have a magnetic card and specifies a cash transaction, the process moves from step (1) to step (4)K. In step (4),
The customer will be prompted to input the amount to be deposited, so the customer should enter 8
Manually enter the transfer amount by operating the key.

CPU 20 dThis key checks the manually entered transfer amount, and if it is within a predetermined range, proceeds to step (5), but if it exceeds, a message indicating that the amount has exceeded is displayed and step Return to the screen in (4).

In step (5), an inquiry is made via the CPU 20 center line control unit 24 as to whether or not the transfer destination is pre-registered together with the registration number for each account number of the magnetic card read in step (2). Do it for. Registration of the transfer destination is performed by storing data such as destination bank name, destination branch name, account, account number, and beneficiary name in a registration file at the center for each registration number. As a result of executing step (5), if the transfer destination has been registered, the transfer destination input operation is omitted and after the pre-registration inquiry [step (6A)), the transfer details confirmation [step (1)
4) ) is carried out. For pre-registration inquiries, send a message to the center with the payer's account number, transfer amount, registration number, etc.
The center will send the payer's account number, transfer amount, transfer fee, 1st hand subject code, and payer's name.

This is done by receiving a response message containing the destination bank name, branch name, beneficiary account number, beneficiary name, etc.

On the other hand, if the transfer destination is not registered, or if it is registered but the corresponding transfer destination cannot be found on the pre-registered full details display screen, press the Not applicable function key. The selection screen will appear [Step 7]. Below, by performing key operations corresponding to each guidance screen, select the transfer destination branch name (step (
7) ), select the transfer account [Step [F]], enter the transfer account number [Step (9)], and then enter the transfer data.

In this case, selecting and inputting can be simplified by associating function keys with screens for banks and subjects that are frequently used for transfers. When performing selection input without using function keys, by manually inputting the first letter of each of the bank name and branch name using the alphabetical keyboard 7, the bank name file and branch name previously stored in the external storage device can be input. The data is read from the name file via the external storage device control unit 31 and displayed in kanji on the CBr4.

In step (9), when the transfer destination account number is input by operating the number pad group 8, the CPU 20'/'i edits a message containing the payer's account number, transfer amount, destination bank number, destination branch number, etc. and sends it to the center. The information is transmitted and the withdrawal account is inquired [Step (10)]. When the center receives this message, if a transaction using a magnetic card is specified in step (1), K confirms the payer's account and calculates the transfer fee, and also confirms that a cash transaction not using a magnetic card is possible. If specified, the transfer fee is calculated and a response message is sent to the transfer processing device 1.

When the transfer processing device 1 receives this response message, if the transfer destination is its own bank, the CPU 20 edits the message including the recipient's account number, transfer amount, destination branch number, etc., and sends it to the center [step ( 1υ]. When the center receives this message, it searches the customer information file (CIF), checks whether there is an account for the corresponding transfer destination, and if it is normal, proceeds to step (13)K.

On the other hand, if the transfer destination is another bank, the screen changes to the recipient's name input screen, so the customer enters the recipient's name in the real-time handwriting section 4 using the handwriting pen 6 [step (12)]. . After completing the entry, touch the entry completion area 4A with the handwriting pen 6, and the recipient's name you just entered will be displayed on the CRT 2. If it is correct, press the funkun yong key corresponding to the screen to confirm. If so, use the blade order keyboard 7 to correct it.

After checking the deposit account or entering the recipient's name, the screen changes to the transfer details confirmation screen by pressing the function key group 3. When you confirm (step (14)), the CRT2 changes to the screen showing the procedure in progress.
The CPU 20 edits the message containing the payer's account number, the amount of money to be transferred, the subject matter of the transfer, the contents of the magnetic card, etc., and sends it to the center for the withdrawal transaction [step (15)]
).

The center processes the withdrawal from the payer's account based on the above message, and sends the response message to the transfer processing device 1.
send it back to When the CPU 20 receives this response message,
The details of the payer are printed on the receipt and journal by the card imprinter 26 via the card imprinter control unit 25 [Step (16) J.

Next, the CPU 20 records the recipient's account number, the amount to be transferred, the name of the sender, etc. if the transfer destination is the own bank, and the transferee's account number if the transfer destination is another bank.

The name of the sender, the amount transferred, and the name of the recipient's bank.

Edit the message including the store name, subject, recipient's account number, recipient's name, etc. and send it to the center [Step (17)
, (18)). The center performs a deposit transaction process (corresponding to step αη) or a transfer process to another bank (corresponding to step (18) K) based on the above message, and then returns a response message to the transfer processing device 1.

When the CPU 20 receives the above normal response message, the card imprinter 26 prints the recipient's details on the receipt and journal [step (19)]. After this, the magnetic card is inserted into the card insertion return slot 9 and returned to step The receipts printed in steps (16) and (19) are respectively discharged to the discharge port 10 [step (20)], and the digging transaction using the magnetic card is completed.

If the transaction is a cash transaction, the process moves from step (13) to cash transaction processing [step (2υ)].

The details of the cash transaction processing will not be explained as it is outside the essence of the present invention, but it includes the operation of inputting the payer's name and telephone number based on the Banking Act. This input operation is performed in step (1
Similar to the manual operation of the recipient's name in 2), this is done using a handwriting tablet.

Now, Figure 4 is a diagram showing a detailed flowchart from step 19 onwards in the case where the transfer destination has not been registered in advance. Print with the printer 26 [step C2]. Next, if the store number recorded on the customer's magnetic card and the store number stored in the nonvolatile memory 23 of the transfer processing device 1 match (it is the store's own store),
CPU2゜ is the account number 2 of the sender and the recipient's destination bank name.

Edit the message including the branch name, account number, name, etc. and send it to the center for pre-registration [Step t2]
.

When the center receives this message, it uses the payer's account number as a key and stores the payee's account number together with the registration number in a registration file. The registered number is sent back to the transfer processing device 1 from the center. The number of transfer destinations that can be registered at the center is determined based on the size of the registered file, etc.

The transfer processing device 1 prints the registration number received from the center on the receipt [step (25)], and displays a screen for receiving the card/receipt on the CRT 2 [step (26)].
The magnetic card is discharged to the card insertion/return slot 9, and the receipt is discharged to the discharge slot 10 [Step □□□]. When the customer receives the magnetic card and receipt, a termination screen is displayed on the CRT 2 and the process is terminated at step (28). By using the registration number printed on the receipt, customers can transfer money to the same recipient.

Effects of the Invention As described above, according to the present invention, when a transfer is processed to a transfer destination that has not been pre-registered, the transfer destination is registered at the center at the same time, so the customer can transfer to the same transfer destination next time. When transferring money to a bank, it becomes possible to perform the processing easily.

Therefore, for financial institutions, the spread of transfer processing devices can be expected to automate transfers and save labor.

[Brief explanation of drawings]

FIG. 1 is a schematic perspective view of an apparatus according to an embodiment of the present invention, FIG. 2 is a block diagram of an embodiment of the present invention, and FIGS.
3 is a flowchart illustrating the operation of blocks in the figure. Explanation of symbols of main parts 1... Transfer processing device 2... CRT4...
Real-time handwriting department

Claims (1)

[Claims] A transfer processing method that allows a customer to perform transfer processing at a financial institution using an information card dedicated to the customer, and when the transfer destination information necessary for transfer is input, the transfer destination is sent to the central device. a detection means for detecting whether or not the remittance is registered in advance; and a registration means for registering information on the remittance together with a registration number in the center device in response to detection of non-registration of the remittance by the detection means. 1. A transfer processing method, wherein the transfer processing method is characterized in that the transfer processing method is characterized in that it is possible to make transfers based on the registration number during subsequent transfer processing to the same transfer destination.