JPS61278968A - Transfer transaction processing method - Google Patents

Abstract

PURPOSE:To attain transfer transaction easily through an ordinary transaction processor without inputting a fixed account to be transferred in every transfer by previously issuing a bankbook in which plural accounts to be transferred have been magnetically recorded. CONSTITUTION:A magnetic stripe is stuck or printed to/on the surface of the bankbook and data relating to plural accounts to be transferred have been magnetically recorded. When the bankbook is inserted in accordance with the display of a CRT of the transaction processor, data specifying the account to be transferred which is included in the reading data of the magnetic stripe are displayed on the CRT together with a specification indicating the selection of the account to be transferred. The customer inputs a required account to be transferred through ten-key on the basis of a the number assigned to the data specifying the account to be transferred to execute the transfer processing.

Description

[Detailed Description of the Invention] Summary of the Invention Data specifying multiple transfer destinations is recorded in advance on the magnetic recording medium of the passbook, and when one passbook is inserted, multiple transfers recorded on the magnetic recording medium are recorded. 1. A transfer transaction processing method, comprising: reading destination specifying data, displaying it on an electronic visual display device, and performing transfer processing to the selected transfer destination when a transfer destination selection input is received.

[Technical Field] The present invention relates to a transfer transaction processing method using a transaction processing device installed in a bank or the like and called by an abbreviation such as ATM or CD, particularly a transaction processing device having a transfer transaction processing function.

[Prior art] ATM (Automated Teller Machine) and CD (
Despite the development and widespread use of automated transaction processing devices for deposits and withdrawals (such as cash dispensers), transfer procedures have traditionally had to be carried out at a bank counter. That is, the transfer was performed by the transferee filling out predetermined data such as the recipient of the transfer and the amount to be transferred on a transfer form, and submitting the information along with cash etc. to a bank counter.

As the number of transactions conducted through banks increases, the destination of transfers made by senders often becomes fixed. nevertheless,
Since the transferee has to go to the bank periodically or as needed to complete the above transfer procedures, this procedure is complicated not only for the transferor himself but also for the bank.
Automation of this was desired.

[Object of the Invention] The present invention provides a method that can automatically perform a transfer process, including specifying a transfer destination, using a conventional transaction processing device.

[Structure and Effects of the Invention] The transfer transaction processing method according to the present invention records data specifying a plurality of transfer destinations in advance on the magnetic recording medium of the 2nd bankbook, and records the data on the magnetic recording medium when the 7th bankbook is inserted. The system reads a plurality of transfer destination specifying data, displays these transfer destination specifying data on an electronic visual display device, and performs transfer processing to the selected transfer destination when a transfer destination is selected. Features.

By issuing a passbook in which multiple transfer destinations are magnetically recorded in advance, there is no need to enter a fixed transfer destination each time a transfer is made, and transfer transactions can be performed extremely easily using conventional transaction processing equipment. becomes possible.

In the transfer transaction processing method according to the present invention, when two bankbooks are inserted, a display indicating that either the registered transfer destination or the individual transfer destination should be selected is displayed, and when the registered transfer destination is selected, the passbook The above-mentioned transfer process is performed for the transfer destination recorded on the magnetic recording medium, and each time a transfer destination is selected, the system waits for input of data specifying the transfer destination and performs the transfer process for the transfer destination each time. It is preferable.

As a result, it is possible to perform transfer processing not only to a predetermined transfer destination but also to any other transfer destination using the transaction processing device.

Furthermore, in response to a new confirmation input operated by a customer, the transaction processing device writes data identifying the transfer destination into the magnetic recording medium of the passbook each time it is input, and responds to confirmation input for deletion of the registered transfer destination. 1 by erasing the specified registered transfer destination from the magnetic recording medium of the passbook.
The customer can use the transaction processing device to change or delete the transfer destination magnetically recorded in the passbook, and there is no need to go through the necessary procedures at a bank counter.

[Description of Embodiments] FIG. 1 shows the procedure of a transfer process performed by a transaction processing device, particularly a CPU built therein. This transaction processing device itself may be a conventional device. In other words, the transaction processing device is a card insertion slot.

Passbook insertion slot, cash input slot, cash output slot, keyboard, C
It has an electronic visual display device such as an RT, and various related devices provided inside the device. In addition, the transaction processing device uses two communication lines to transmit customer-specific information files (
Transaction processing is accomplished by connecting and communicating with a control center equipped with CJ F).

A bankbook exclusively for transfers is issued to the customer for transfer processing. It is preferable that the customer to whom a bankbook for transfer is issued has an account at the bank, but this need not necessarily be the case. A magnetic stripe is affixed or printed on the cover of the passbook, and this magnetic stripe contains data about multiple remittance destinations, namely the account number of the remittance recipient (bank name and branch name if necessary) and the name of the person who owns the account. Alternatively, the name (an abbreviation may be used, for example, a katakana code indicating the abbreviation) is magnetically recorded. If necessary, the account number 1 name of the holder of the passbook is also recorded on this magnetic stripe. A card is not necessarily required to process a transfer transaction.

Referring to Figure 1, firstly, the CRT of the transaction processing device.
A guide to select the type of transaction is displayed (step 1). According to this display, the customer selects the desired transaction using function keys or other transaction selection keys placed around the CRT, and the key input data is captured.

It is determined whether the transaction is a transfer transaction or another transaction (Step 2)
). If a transfer transaction is selected, the process proceeds to the process described in detail below, and in the case of another transaction (for example, deposit or payment), the process proceeds to the selected transaction (step 19).

When a transfer transaction is selected, a message indicating that a transfer-specific passbook should be inserted is displayed on the CRT (step 3), and if the passbook is inserted within a certain period of time.

The data recorded on the magnetic stripe is read by the passbook reader (steps 4, 5 and 6).

Then, as shown in Figure 2, the data that specifies the transfer destination (for example, the name or abbreviation of the transfer destination) included in the read data of the magnetic stripe is displayed on the CRT along with an instruction to select the transfer destination. (Step 7). The customer sees this CRT display and enters the desired transfer destination using the numeric keypad using the number attached to the data specifying the transfer destination, and this is read (
Step 8).

Next, an instruction to input the amount to be transferred is displayed on the CRT (step 9), so the customer inputs the amount using the numeric keypad. This key input amount is also read internally (step 10).

Furthermore, an instruction to insert cash equivalent to the transfer amount is displayed on the CRT (step 11), and within a certain period of time, the cash inserted into the cash slot is taken into the machine and its type and authenticity are determined. (step 12.13). The amount of authenticated cash is displayed on the CRT. If the amount of cash is equal to or greater than the key-input transfer amount, the process proceeds to the next center communication. If the amount of cash input does not reach the transfer amount, a request for cash input will be displayed again, or the transfer transaction process will be terminated at that point in some cases.

If the transferee has a bank account, it is also possible to directly transfer money equivalent to the transfer amount from the transferee's account to the transferee's account. In this case, cash injection instructions,
The discrimination process, etc. (steps 11 to 13) will become unnecessary, and instead, the process of confirming the transfer from one's own account will be necessary. Data regarding the payer's account is generally revealed from the magnetic stripe data of a bankbook. In this case.

It is more preferable to perform a process of confirming the identity of the person by using a card and key input of a personal identification number.

In the center communication process (step 14), information necessary for the transfer process such as the transfer destination account number (obtained from the magnetic stripe data), the transfer amount (key-input), and if necessary, the payer's account number, etc. Data is transmitted from the transaction processor to the center. The center searches the CIF and adds the transfer amount to the balance of the transferee's account, and if necessary, withdraws the transfer amount from the transferee's account.

The results are transmitted to the appropriate transaction processing device.

Thereafter, the transaction processing device prints data regarding the transfer process on the transfer passbook (step 15). CRT
The message ``Do you want to continue the transfer process further?'' is displayed (step 16), and if there is a key input to continue, the process moves to step 7 and the transfer process to another recipient is repeated; otherwise, The passbook is released and the transfer process ends (steps 17 and 18). At this time, if there is change, it will also be released.

If the passbook is not inserted within a certain period of time in steps 4 and 5, the process returns to step 1, and if cash is not inserted within a certain period of time in step 12, the process proceeds to step 18, where the passbook is returned and the transfer is processed. The transaction ends without being completed.

[Modification] In the above embodiment, it is assumed that a transfer-only passbook in which data specifying the transfer destination is recorded on the magnetic stripe is issued at a bank counter. Therefore, if you want to change or delete one or more of the multiple transfer destinations registered in the magnetic stripe, you must have the magnetic stripe data in one bankbook rewritten at the counter or reissue a new bankbook. Must be taken away. This creates complicated procedures for both the remittor and the bank.

Therefore, in this modification, the customer can himself/herself perform the procedure for updating the transfer destination using the acceptance processing device. The transaction processing device is equipped with a keyboard that can input katakana characters or alphabets.

In FIG. 3, steps 21 to 25 and 41 are
Steps 1 to 6 and 19 in the figure are exactly the same (steps corresponding to step 5 are omitted).

Hereinafter, new transfer destinations that are not registered on the magnetic stripe of the transfer-only passbook will be referred to as transfer destinations.

After reading the passbook's magnetic stripe data,
As shown in FIG. 4, an instruction to select either a registered transfer destination or an individual transfer destination is displayed on the CRT (step 26). When the customer selects a registered transfer destination using a function key or the like, a transfer process for the selected transfer destination is performed (step 28). This transfer process is the same as the process shown in steps 7 to 17 in FIG.

If the customer selects a transfer destination each time (step 27)
, the instruction to enter the account number of the transfer destination is C.
Since it is displayed on the RT (step 32), the customer performs the operation, and the account number entered using the numeric keypad is read (step 33). Next, a prompt to enter the name or abbreviation of the recipient of the transfer is displayed on the CRT (step 34), so the customer enters it using the katakana keys or alphabet keys, and this is read (step 34). Step 35).

Now that the data regarding the transfer destination has been prepared, the transfer process corresponding to steps 9 to 15 in Figure 1 will be performed (
Step 36).

After this, the new (each time) entered in step 33.35
A message will appear on the CRT asking if you wish to register data regarding the transfer destination in your passbook (Step 3).
7). If the customer desires this new registration (step 38
), the data regarding the previous transfer destination is recorded on the magnetic stripe of the passbook (step 39). Thereafter, the bankbook is returned and the transfer transaction is completed (step 40).

After the transfer process to the specified registered transfer destination is completed.

A message is displayed on CR,T asking whether or not the registered transfer destination is to be deleted from the bankbook (step 29). If the customer wishes to cancel the registration (Step 3)
0), the data regarding the transfer destination is erased from the magnetic stripe (step 31).

After this, the passbook is returned (step 40).

In the above example, after the transfer process to the registered payee.

Although the transfer destination for which this transfer process has been performed is deleted, the customer may be allowed to select the transfer destination to be deleted. Alternatively, the deletion process may proceed each time after the transfer process to the transfer destination and the new registration process.

[Brief explanation of the drawing]

FIG. 1 shows an embodiment of the present invention, and is a flowchart showing a transfer processing procedure in a transaction processing device. FIG. 2 is a diagram showing an example of a screen displayed on the CRT of the transaction processing device, FIG. 3 is a flowchart showing a modified example, and FIG.
The figure shows a CRT display. Patent applicant: Tateishi Electric Co., Ltd. Representative: Ken Ushihisa Tsukasa and one other person

Claims (4)

[Claims] (1) Data specifying multiple transfer destinations is recorded in advance on the magnetic recording medium of the passbook, and when the passbook is inserted, the multiple transfer destination specification data recorded on the magnetic recording medium is read and these A transfer transaction processing method in which data specifying a transfer destination is displayed on an electronic visual display device, and when a transfer destination selection input is made, a transfer process is performed to the selected transfer destination. (2) When the passbook is inserted, a display indicating that the user should select either the registered transfer destination or the one-time transfer destination is displayed, and when the registered transfer destination is selected, the information is recorded on the magnetic recording medium of the passbook. According to claim (1), the method proceeds with the above-mentioned transfer processing for the transfer destination, and each time a transfer destination is selected, the system waits for input of data specifying the transfer destination and performs the transfer processing for the transfer destination each time. Described transfer processing method. (3) The transfer processing method according to claim (2), wherein data specifying the transfer destination is written to the magnetic recording medium of the bankbook each time a new confirmation input is input. (4) A transfer processing method according to claim (1) or (2), wherein a predetermined registered transfer destination is deleted from a magnetic recording medium of a passbook in response to input to confirm deletion of registered transfer destination. .