JPS6118070A - Automatic transfer processing system - Google Patents

Abstract

PURPOSE:To attain an inexpensive automatic transfer system with which the transfer efficiency is improved by issuing a transfer full statement containing the transfer information in response to the transfer information given by an input key and performing the transfer processing after reading the transfer information out of the full statement. CONSTITUTION:A customer operates a full statement issuing machine 1 to feed the transfer information. Thus the mechine 1 issues a full statement 2. The customer puts the statement 2 and a cash card 4 to an automatic transfer processor 3. The processor 3 reads the transfer information written on the statement 2 as well as the card information out of the card 4. Then the processor 3 transfers the transfer information with a host computer 5 based on the input information and issues a processing slip 6. The time needed for production of the statement 2 affects the transfer processing efficiency. In this respect, plural machines 1 are prepared to a single processor 3 to improve the transfer processing efficiency.

Description

TECHNICAL FIELD OF THE INVENTION The present invention relates to an automatic transfer processing system, and more particularly to an automatic transfer processing system characterized in that transfer processing is performed using a transfer statement written in advance.

2. Description of the Prior Art As is well known, banks and the like are equipped with transfer processing devices that allow transfers to be made between accounts at the same bank or at different banks. Data on transfers between bank accounts and 1. Recipient bank, recipient branch, recipient account, recipient account number, transfer amount, and beneficiary name are required. Conventionally, all of this data has been input by the customer using a keyboard attached to the transfer processing device. For example, when inputting a bank name, the customer enters the initial letter of the bank name using the Japanese 50-syllabary keyboard. Then, the corresponding bank name is displayed on the display device of the transfer processing device, and the customer selects the desired bank name from among them. As a result, data specifying the bank to which the transfer is to be made is stored in the memory of the transfer processing device. The same goes for inputting the branch name. In addition, the beneficiary name and payer name must be entered in full spelling, which takes time.
Because a person occupies a transfer processing machine for a long time, other customers are forced to wait a long time before using the same machine. As described above, in the conventional transfer processing system, it takes more time to create the inter-transfer ITII than the actual transfer processing time, leading to a decrease in transfer processing efficiency. In order to improve transfer processing efficiency, if the customer decides to create a transfer statement by hand instead of using a transfer processing device, the written characters may not always be easy to distinguish, and the transfer statement reader may Since this method requires a sophisticated discrimination function, there is a problem in that the cost of the device increases.

OBJECTS OF THE INVENTION Therefore, one object of the present invention is to provide an automatic transfer processing system that has high transfer processing efficiency and is inexpensive.

Structure and Effects of the Invention The present invention provides a transfer statement issuing device including a key for inputting transfer information and means for creating a transfer statement in response to input of transfer information from the input key. and a means for performing the transfer process in response to the reading of the transfer statement by the reading means. This is what the processing device reads and performs the transfer process.

According to this invention, a customer creates a transfer statement using a statement issuing device provided separately from the automatic transfer processing device, inserts the prepared statement into the automatic transfer processing device, and processes the transfer in one step. As a result, the time that the customer occupies the automatic transfer processing device is shortened, thereby improving the efficiency of transfer processing. Efficiency can be further improved by installing multiple statement issuing devices for one automatic transfer processing device. Also,
The characters printed on the specification issued by the specification issuing device are guaranteed to be of a certain level of quality.
The statement reading device attached to the automatic transfer processing device does not require advanced reading performance. As a result, it is possible to provide an automatic transfer processing device at a low price, and it is possible to provide an automatic J payment processing system that is inexpensive as a whole.

DESCRIPTION OF EMBODIMENTS FIG. 3 shows an automatic transfer processing system according to an embodiment of the present invention. The customer operates the statement issuing device 1 to input transfer information. In response, the statement issuing device 1 issues a statement 2. The customer inserts the issued statement 2 and cash card 4 into the automatic transfer processing device 3. The automatic transfer processing device 3 reads the transfer information written on the statement 2 and also reads the card information stored in the cash card 4. The automatic transfer processing device 3 transmits transfer processing information to the host computer 5 based on the input information, and issues a processing slip 6. In remittance processing, processing efficiency is determined by the time required to create remittance statements, so providing multiple statement issuing units 1 for one automatic remittance processing device 3 can improve processing efficiency. can be achieved.

FIG. 4 is an external view of the specification issuing device 1 shown in FIG. 3. At a3 in the figure, the statement issuing device 1 includes a guidance display 11 that displays operation guidance to the customer, a key-in monitor 12 that monitors data input by the customer, a keyboard section 13 that the customer inputs, and a It includes a statement outlet 14 for issuing a statement prepared based on the document. The keyboard section 13 includes Japanese 50-sound keys 131 for the customer to enter the name of the bank to which the transfer will be made, the name of the person to whom the transfer should be made, etc., numeric keys 132 for the customer to input numerical data such as the transfer destination account number, an input end key 133 for instructing the end of input, and the like. It consists of a cancel key 134 for canceling input data.

FIG. 5 is a schematic block diagram of the statement issuing device 1 shown in FIG. 4. The guide display 11, key-in monitor 12, and keyboard section 13 shown in FIG. 4 are connected to the CPU i6. Further, connected to the CPU 16 are a memory 17 for storing operating programs and data for the CPU 16, and a printer 15 for printing a statement, as shown in FIGS. 2A and 2B, which will be described later.

FIG. 6 shows an example of a 61-meter paper sheet issued by the statement issuing device shown in FIG. 4. The statement includes, for example, a transfer destination bank display column 21, a transfer destination branch name display column 22, a transfer destination interest display column 23 indicating whether it is a shutsu account or a current account, a transfer destination account number display column 24, and a transfer amount display column 25. , recipient display field 26
Consisting of

FIG. 7 is an internal configuration diagram of the automatic transfer processing device 3 shown in FIG. 3. Automatic transfer (1) The embedded device 3 includes a customer operation unit 31 having keys operated by the customer, and an optical character reader (hereinafter referred to as
(referred to as OCR) 32, a card reader 33 that reads the cashico card information in which the customer's identification information is stored, a form processing section 34 that processes the form in response to the execution of the transfer, and a form processing unit 34 that provides guidance to the customer on operations and ends the execution. It includes a display section 35 for notifying the user. In addition, the automatic transfer processing device 3 is a host combination coater 5.
a transmission unit 36 that transmits transfer information to the CPU 37 and a CPU 37 that control the operation of the automatic transfer processing device and execute calculations.
P1. It includes a memory 38 that stores the operating program of the J37, transfer information, and the like. Further, the automatic transfer processing device 3 can be operated by the power supplied to the power supply section 39.
Ru.

FIG. 8 shows the screen of the display section 35 in FIG. 7 in an initial state before the transfer process is performed. In this embodiment, this automatic transfer processing device has the functions of withdrawal, deposit, bankbook entry, and balance inquiry in addition to the transfer function. A customer who wants to make a transfer can start the transfer process by touching the transfer button 351 displayed on the screen.

2A and 2B are flowcharts showing the operation of statement issuing device 1 when a customer uses statement issuing device 1 of FIG. 4 to create a transfer statement 2 containing transfer information. be.

FIGS. 1A and 1B are flowcharts showing the operation of an automatic transfer processing system according to an embodiment of the present invention.

Below is the 1st Arf! The operation of the automatic transfer processing system when a customer makes a transfer using the automatic transfer processing system according to an embodiment of the present invention will be described in detail with reference to FIGS.

First, the issuance of the specification shown in Fig. 2A3J and Fig. 2B will be explained.

The CPU 16 causes the guide display 11 of the statement issuing device 1 to display a guide to input the name of the bank to which the transfer should be made (step 541). CPLJ16 waits until key personnel are available (842). The customer presses the 50-tone key 13 on the keyboard section 13.
1 to start entering the name of the bank to which the transfer should be made. Accordingly, the process advances to step S44, and in step S44, the CPU 16
Since it is determined that the manual key input is not from the cancel key 134, the process advances to step 845. Subsequently, in step S45, the CPU 16 determines whether the input end key 133 has been pressed. Here, the CPU 16 presses the input end key 133.
Since it is determined that the key is not pressed, the process advances to step 842 and waits for the next key input. If the customer does not perform the next key effort within the specified time from the previous key effort, the CP will be charged accordingly.
U16 determines that time has expired in step 843, clears all input data, returns to step S41, and returns to the initial state. CP L, I 16 is step S 4
The loop from step 2 to step 345 is repeated, during which the name of the bank to which the transfer is to be made is input. The CPtJ 16 displays input data on the key-in monitor 12 in response to key input. The customer can look at it and judge whether the input is normal or not. If the customer makes an input mistake, press the cancel key 13.
Press 7I. When the cancel key 134 is pressed in the loop from step 842 to step 345, the CPLJ 16 determines that the cancel key has been pressed in step 54=1, clears all input data, and returns to step S41 to return to the initial state. Become. After the customer finishes inputting the name of the bank to which the transfer should be made, he presses the input end key 133. In response, the CPLJ 16 determines that the input is complete in step 845, and then checks whether there is any abnormality in the input data. It is determined whether the input data is the requested data (step 546).

If the CPU 16 determines in step 84.6 that there is an abnormality in the input data, it clears the input data and returns to step 34.
．． It returns to 1 and becomes the initial state. In the above case, if the initial state is reached, the CPU 16 uses the guide display 11 in either case.
Displays a message requesting key-in again. If the CPLJ 16 determines in step S46 that the input data is normal, the process then proceeds to step 847 and displays on the guide display 11 a prompt to input the name of the transfer destination branch. The input of each data below is the same as the input of the transfer destination bank name described above.

In other words, the name of the branch to which the transfer is to be made is entered from step 847 to step 852, the name of the account to which the transfer is made is entered from step 853 to step 858, and the account number to which the transfer is made is entered from step S59 to step S6.
4, and then the transfer amount is entered in step 365.
The process starts at step S70, and finally the recipient's name is input from step 871 to step 376. When all data input is completed, the CPU 16 prints each input data on the transfer statement using the printer 15 (step 577).
). Next, the CPU 16 displays the transfer details on the information display 11.
Display that the item will be taken (step 878), details release exit 1
Transfer statement 2 is released from step 4 (step 379), all data is cleared, and the process returns to step 841 to return to the initial state. This makes it available for use by the next customer.

The customer inserts the issued transfer statement 2 into the automatic transfer device 3 and causes the transfer process to be performed.

In the above-mentioned embodiment, among the input keys for inputting transfer information, characters other than numbers are entered using the Japanese alphabet keys, but if you decide to input using Roman characters, you can use the alphabet keys instead of the Japanese alphabet keys. Good too.

Next, the one-stroke processing shown in FIGS. 1A and 1B will be explained.

The initial state screen shown in FIG. 8 is displayed on the display unit 35 of the automatic transfer processing approval 3 (step 81). The customer selects a transaction by touching the transfer 351 displayed on the screen (step 82). Subsequently, CPl, J3
Step 7 causes the display unit 35 to display, for example, ``Insert card'', prompting the customer to insert, for example, the cashier 1 node 4 owned by the customer (step 83). The customer inserts the card into the card reader 33 of the automatic transfer device (step 84).

Subsequently, the CPU 37 causes the display unit 35 to display "Please enter your password" to prompt the customer to enter his password (step 85). The customer enters the PIN number from the keyboard that constitutes the customer operation section 31 (step 86).
. Next, the CPU 37 causes the display unit 35 to display ``Select registered/unregistered'' in order to allow the customer to select whether the transfer destination is pre-registered or unregistered (step 87).
. Registration of transfer destinations is done for the convenience of customers who make regular or frequent transfers, and if the transfer destination is registered, transfers can be made according to the registered information without using the transfer statement. I can do it. Assume that the customer selects "Unregistered" in step S8.The CPU 37 determines the selection in step S9.Since the customer is unregistered,
The process then proceeds to step S14. In step 814, C
The PU 37 causes the display unit 35 to display "Please enter the transfer statement." The customer inserts the transfer statement into a reader having an 0CR32 (step 515). The transfer statement is created by the J: Uni statement issuing device 1 described in the explanation of FIGS. 2A and 2B above. Next, the CPU 37 prints the transfer statement 2 at 0CR32.
Read and check for unreadable parts (
Step $16).

If there is no unreadable portion, the process advances to step 817, where the transmitter 6 transmits an inquiry to the host combicoater 5. Next, the process proceeds to step 818, where the CPLJ 37 displays the read data of the transfer statement 2 on the display section 35 and requests confirmation from the customer. If the customer confirms the GJ and there is no error, a confirmation operation is performed, for example, by touching a confirmation key displayed on the display section 35 (step 519). C.P.L.I.
37 displays "Please wait for a while" on the display unit 35 (step 520), and performs the transfer process in step 821. For example, the CPU 37 sends information to the form processing unit 34 after determining whether the card identification information matches the password, whether the customer's account has a transfer amount, and whether the bank account number of the transfer destination is clear. Transfer processing from a customer's account to a designated transfer destination account. When the transfer process is completed, the cPU 37 displays the ``'' card on the display section 35. is displayed (step 522). The customer handles the card (step 523). Next, CPU3
Step 7 causes the display section 35 to display "Please take the statement slip." (Step 524). The customer handles the statement slip (step 825), and the CPU 37 ends the operation. Here, the statement slip describes the details of the executed transfer in a fixed format, and is created by the automatic transfer processing device 3. −
If registered is selected in step S8, the process advances to step S810 through step S9. In this case, there is no need to insert the transfer statement 2 because the transfer destination is registered. In step 81('), the CPU 37 causes the display unit 35 to display "Please enter your registration number."

The customer inputs the σ record number from the keyboard included in the customer operation section 31 (step 511). This specifies the account to which the money will be transferred. Subsequently, the CPU 37
Please enter the transfer amount in 5. Display °° (
Step 512). The customer enters the transfer amount (step 513), and when the input is completed, the process proceeds to step 817.
The CPU 37 performs inquiry transmission to the host combination coater 5.

The operations after the inquiry transmission are the same as those described above.

As described above, according to the present invention, since the transfer process is performed using a transfer statement prepared in advance, the time that the customer occupies the automatic transfer processing device is short R, and the utilization efficiency of the device is increased. This is a great advantage if the transfer process is an additional function of ΔTM (Automatic Terror's Machine).

Also, details t! Since the characters printed on the statement issued by the issuing device are of a certain quality or higher, the statement reader attached to the automatic transfer system does not require advanced reading performance. As a result, an automatic transfer processing device can be provided at a low price, and the automatic transfer system as a whole becomes inexpensive. In the transfer process, much time is spent inputting the details of the transfer, so by installing a plurality of statement issuing devices, the efficiency of the entire automatic transfer processing system can be improved. The statement issuing device constituting the automatic transfer processing system of the present invention is cheaper than the automatic transfer processing device, so it is economically suitable. Furthermore, if the transfer period II is printed using magnetic ink and the statement reader of the automatic transfer processing device is a magnetic reader, reliability can be improved against dirt on the statement and constitutional amendments.

[Brief explanation of the drawing]

FIGS. 1A and 1B are flowcharts showing the operation of an automatic transfer processing system according to an embodiment of the present invention. FIGS. 2A and 2B are flowcharts showing the operation of a statement issuing device constituting an automatic transfer processing system according to an embodiment of the present invention. FIG. 3 is a block diagram of an automatic transfer processing system according to an embodiment of the present invention. FIG. 4 is an external view of the statement issuing device shown in FIG. 3. FIG. 5 is a schematic block diagram of the Bright ITII issuing device of FIG. 4. FIG. 6 is a diagram showing an example of a sheet of a statement issued by the statement issuing device of FIG. 4. FIG. 7 is an internal configuration diagram of the automatic transfer processing device shown in FIG. 3. FIG. 8 is a diagram showing the initial state of the screen of the display section during the automatic transfer process @ of FIG. 7. In the figure, 1 is a statement issuing device, 13 is a keyboard, 2 is a statement, 3 is an automatic transfer processing device, 32 is an optical character reader, 33 is a card reader, 35 is a display, 4 is a card, 5 indicates a host combicoater.

Claims (2)

[Claims] (1) An automatic transfer processing system consisting of a device that performs transfer processing and a separately provided device that issues a transfer statement containing transfer information, the statement issuing device including: The transfer processing device includes an input key, and means for issuing a transfer statement containing transfer information in response to input of transfer information from the input key, and the transfer processing device reads transfer information from the transfer statement. and means for performing a transfer process in response to reading of a transfer statement by the reading means. (2) The automatic transfer processing system according to claim 1, wherein the transfer information input keys are Japanese syllabary keys and numerical keys.