JPS61279975A - Transfer transaction processing system - Google Patents

Abstract

PURPOSE:To save a transfer card, to use it efficiently and to improve user's convenience by providing the transfer card capable of storing plural transfer destination data, and adding and altering said data to be stored on the transfer card. CONSTITUTION:Plural transfer destination data can be stated on the transfer card 26, and its magnetic strip 26a has the sufficient capacity to store data on plural transfer destinations. When an additional registration on the card is necessary, a teller operates a keyboard 9, and recognizes and indicates whether or not an area where the additional registration is possible remains on the card 26. According to the recognized indication, a window main control part 17 refers to the read-out data on the card 26, and displays the presence or absence of the idle area on a teller display device 10. When the area capable of the additional registration remains, the teller obtains data on a new transfer destination from the user, writes it in the idle area of the magnetic strip on the card 26, simultaneously displays it on a user display device 2 and executes the subsequent transaction.

Description

[Detailed Description of the Invention] (Prior Art) Transfer processing at metal institutions such as banks is conventionally carried out using a transfer request form, and the sender, based on the transfer request form, informs the recipient of the name of the metal institution, the head office, and the branch office. Name, subject name, account number, account name, transfer requestor's name, telephone number, transfer amount, etc. were entered using a teller input device, but the large number of input items made it difficult to process efficiently. It was time consuming.

Therefore, automatic transfer devices have recently been developed that automatically perform transfer processing by the customer's own operations, thereby reducing the burden of transfer transactions at counter operations.

For example, in "Oki Electric Research and Development" Vol. 50, No. 3, published in December 1988, the customer himself/herself looks at the display and operates the kana keyboard to input data regarding the transfer destination and the transfer requester. Furthermore, an automatic transfer device has been disclosed in which when transferred cash is inserted, the device determines the authenticity, denomination, and counts the money, and automatically processes the transfer transaction.

Since this automatic transfer device performs all the data input and processing necessary for transfer transactions by the customer himself and the machine, the burden on the teller is significantly reduced. However, on the other hand, customers who are unfamiliar with the operation are inputting information is tedious and time consuming.

It has been proposed to have the transfer request form read directly by an electric machine to simplify the input of transfer destination data and transfer requester data, but if the transfer request form is handwritten, the character recognition rate is low, and Even with printed characters, problems remain, such as erroneous recognition and the need to input corrected data.

On the other hand, transfer transactions are often repeated on a regular basis, such as for loan payments, payment of living expenses to separated family members, etc. Therefore, we focused on this point and issued a transfer card with the transfer destination and client data stored on a magnetic stripe etc. at the time of the first transaction, and when making subsequent transactions, this transfer card could be read by a machine. Attempts have also been made to simplify the input process.

(Problem to be Solved by the Invention) However, in the conventional transfer transaction processing method using a transfer card, one card corresponds to only one transfer destination, and when the transfer destination is added and becomes multiple, A new transfer card must be issued each time an addition is made. In addition, the customer has to have multiple transfer cards, and unless the transfer destination is clearly indicated on each card, it becomes difficult to know which card to use, and it is inconvenient to carry.

In addition, in the conventional transfer processing method, a transfer card is simply issued when a new transfer destination occurs, so a transfer card that no longer needs to be transferred to that transfer destination is left unused by the customer and is not stored on the card. The transfer requestor's data will be completely wasted.

In view of the above-mentioned problems of the transfer transaction processing system using transfer cards, the present invention aims to reduce the use of transfer cards, make efficient use of them, and improve convenience for customers.

(Means for Solving the Problems) The present invention provides a transfer transaction processing system for processing transfer transactions using a transfer card, which includes a transfer card that can store data regarding transfer destinations for a plurality of transfer destinations, and a transfer card that can store data regarding a plurality of transfer destinations. a card reading/writing device for reading and writing data into a storage section; an input device for specifying the addition or change of a transfer destination and inputting data regarding the added transfer destination or a new transfer destination after the change; and the card reading system. a display device that displays data related to the transfer destination based on information read by the writing device; and when data related to multiple transfer destinations is read, each transfer destination is displayed on the display device and one of the transfer destinations is displayed; A transfer light selection means for selecting, a means for checking and inputting information by viewing the display contents of the display device, and connecting to each of the devices and means, and controlling the data input/output and operation according to a predetermined timing. It is equipped with a control device.

(Function) In the present invention, a transfer card capable of storing a client and a plurality of transfer destinations is read by the card reading/writing device, and the data of the transfer destination and the client are displayed on the display device. If multiple transfer destinations are displayed, select a specific one using the transfer destination selection means.

If there is no error in the displayed transfer destination data or the selected transfer destination data, confirmation is instructed using the confirmation input means. If the transfer destination is new, specify the addition of the transfer destination using the input device above. Based on this designation, the control device determines from the read data of the transfer card whether or not there is an empty area that can additionally store transfer destination data, and displays the determination result on the display device. If it is determined from the display contents that there is an empty area, new transfer destination data is input from the input device and this data is written on the transfer card. If there is no empty area, confirm whether there is a transfer destination that can be deleted by displaying it on the display device or asking the customer, and if there is, specify the transfer destination and deletion using the input device. Next, new transfer destination data is input using the input device and entered into the transfer card. If there is no transfer destination to be deleted, the process moves on to issuing a new transfer card.

After confirming the transfer destination, the transfer process begins.

(Embodiment) Fig. 2 shows a counter device according to an embodiment of the present invention, in which 1 is a counter that separates the customer side and the teller side, 2 is embedded in the counter 1, and text to guide the customer to operate is shown. , a customer display device that displays input and confirmation data, transaction processing data, etc., 3 a card reader/writer for inserting a card and ejecting these after transaction processing is completed, 4 a confirmation, cancellation, PIN number, and other information required by the customer. Pino used for inputting information! 5 is a statement outlet for discharging transaction statement slips to customers, 6 is a coin inlet/outlet for customers, 7 is a banknote inlet/outlet for customers, 8 is a desk for the teller, and 9 is a teller's outlet for customers. 10 is a teller display device that displays entered transaction data, teller operation guidance text, and other necessary data and messages in the transaction processing process; 11 is a passbook processing device that inserts a passbook, slip, etc. and prints transaction data as well as reads and writes the magnetic stripe affixed to the passbook; 12 is a transaction statement outlet for tellers; and 13 is a teller slot. 14 is a coin inlet for tellers; 15 is a coin outlet for tellers; 16 is a bill inlet/outlet;
accepts the authenticated cash by determining the authenticity, denomination, etc. of the banknotes and coins inserted by the customer or teller, and counting the amount, and also counts the nine designated denominations of cash. A banknote input/output lower 13 for customers or tellers, a coin input/outlet 6 for customers, and a coin takeout port 15 for tellers.
It is an automatic deposit/withdrawal machine that dispenses money to

FIG. 3 is a functional block diagram showing the structure of the entire transaction processing system including the counter device, which includes the customer display device 2, card reader/writer 3, pin node 4, and automatic deposit/withdrawal machine 16.
, Passbook processing device 1, key? - The card 9 and the teller display device 10 are each organically connected to the teller main control section 17. This counter main control section 17 is connected to a communication control device 18 and communicates with a center system 21 via a transmitting/receiving device 19 and a communication line 20 to exchange transaction data and messages. The center system 21 includes a transmitting/receiving device 22 connected to a communication line, a communication control device 23 that controls exchange of transaction data and transaction messages with each store via the grip/receiving device 22, and a central processing unit that executes various transaction processing. It has a device 24 and a customer data file 25 storing transaction data regarding the customer.

Next, regarding the transfer transaction in the above configuration, 70 in Figure 1
- Explain with reference to the chart.

A customer making a transfer transaction has a transfer card 26 shown in FIGS. 4 and 5, and inserts this into the card insertion slot 3 of the counter 1. This transfer card 26 has the name of the recipient's financial institution, the name of the store, and the name of the subject on the front as shown in Figure 4.
B Locus No. 9 B Has an area for writing the bureau name, client's name, telephone number, etc., and the magnetic strife' 26 a I/C provided on the back side shown in Figure 5 also has the same information as the magnetic strip. recorded. Further, the transfer card 26 can be used to write the above-mentioned data regarding a plurality of transfer destinations, and its magnetic stripe 26a has a capacity capable of recording data regarding a plurality of transfer destinations.

When the transfer card 26 is inserted, the card reader/writer 3
reads the recorded information from the magnetic strife "26a. When this reading is completed, the teller main control unit 17 displays the data regarding the transfer destination read from the transfer card 26 on the customer display device 2, that is, the name of the recipient's financial institution. Branch name, subject name 9 locus number.

Display the account name and data about the client and ask the customer for confirmation. At this time, if a plurality of transfer destinations are read, all the transfer destination data is displayed on the customer display device 2 as shown in FIG. 6, and the customer is asked to select and confirm the transfer destination.

When the customer looks at the display device 2 and confirms that there are no errors,
Press the number button for selecting the transfer destination and the confirmation button on the bin pad 4. As a result, the window main control section 17 controls the teller display device 1.
0 indicates that the confirmation has been made. The teller sees this, asks the customer for the amount to be transferred, and inputs the amount to be transferred using the keyboard 9.

This transfer amount is immediately displayed on the customer display device 2, and confirmation is requested. When the customer presses the confirmation button on the Pino Qtudo 4, the teller main control section 17 issues a command to the automatic deposit/withdrawal machine 16 to accept cash. As a result, the self-employed worker dispensing machine 16 opens the banknote input/discharge lower and the coin input/discharge port 6 entrances.

The customer inserts the yen banknotes of the transferred cash into the banknote input/output lower, and the coins into the coin input/output port 6. In this case, the amount of cash input may exceed the transfer amount. The automatic deposit/withdrawal machine 16 has a change dispensing function, and if the inserted cash exceeds the designated transfer amount, it can count the difference in cash and discharge it as change.

The inserted banknotes and coins are checked for authenticity and denomination in the automatic deposit/withdrawal machine 16, and those determined to be fake are returned to their respective input/output ports, and only those determined to be true are counted. will be accepted.

When the counting of the received cash is completed, the counter main control unit 17
receives the counted amount data from the automatic deposit/withdrawal machine 16, compares and confirms that the received amount is equal to or greater than the transferred amount, displays it on the customer display device 2 as input cash for transfer, and requests confirmation. .

If the customer sees this and it matches, is it Pin I? Press the Confirm button in step 4, and if it does not match, press the Cancel button. When the cancel button is pressed, the automatic teller machine 16 returns all the received cash to the banknote input/output lower and the coin input/output port 6. In addition, the teller display device 10 displays the amount to be transferred and the amount received by the automatic deposit/withdrawal machine 16, so that the teller can also confirm the amount.

When the customer presses the confirmation button, the counter main control unit 17 enters a remittance processing operation and sends a remittance message to the center system 21.

When the transfer process is completed, the center system 21 sends a completion message to the corresponding store counter main control unit 17. The counter main control unit 17 then returns the transfer card 26 to the insertion slot of the card reader/writer 3, prints a transfer statement using a sheet printer, and releases it to the statement discharge port 5. ': If there are 2 sen, the automatic teller machine 16 releases the change into the bill input/output lower or the coin input/outlet 6 and ends the transfer transaction operation.

On the other hand, when making a transfer to a new transfer destination that is not registered and recorded in the transfer dedicated card 26, the customer presses the no transfer destination button in the bin pad during the transfer destination selection and confirmation process.

As a result, the teller main control unit 17 displays on the teller display device 10 that the transfer destination is not registered and recorded on the transfer card 26.

The teller looks at this and confirms with the customer whether or not the current transfer destination needs to perform a reciprocal transfer transaction in the future and needs to be additionally registered on the transfer card 26.

If the current transfer destination is temporary and does not need to be additionally registered on the transfer card 26, the teller returns the transfer card 26 to the insertion slot of the card reader/writer 3 by operating the key bead 9. The customer is prompted to issue a transfer request form, thereby executing the same transfer process as before.

If the recipient of this transfer needs to make repeated transfer transactions in the future and needs to be additionally registered on the transfer card 26, the teller can register additional information on the magnetic stripe of the transfer card 26 by operating key date 9. We will give instructions to confirm whether there are any areas left where this is possible. In response to this confirmation instruction, the window main control section 17 refers to the read data of the card 16 and displays on the teller display device 10 whether or not there is an empty area.

If there is an area left where additional registration is possible, the teller obtains data on the new transfer destination from the customer, enters the new transfer destination data using key date 9, and writes it into the free area of the magnetic stripe of the transfer card 26. At the same time, the information is displayed on the customer display device 2, and thereafter, the transfer transaction is executed as described above.

If there are no areas remaining where additional registration can be made, the teller checks with the customer whether there is a transfer destination with already registered transfer destination data that is unlikely to be used for future transfer transactions.

If there is a transfer destination that has already been registered but has no possibility of conducting transfer transactions in the future, the teller designates it by operating the keyboard 9 and deletes it from the magnetic stripe of the transfer card 26. By deleting the possible remittance data, and inputting the new remittance data obtained by the customer using the key 9, writing it in the deleted area, and displaying it on the customer display device 2 at the same time, Execute the transfer transaction as described above.

If there is no remittance data that can be deleted, a new remittance card will need to be issued.

As described above, one embodiment of the present invention has been described. Although the customer or the teller may manually enter the transfer destination and transfer request data on the transfer card 26, a printing mechanism may be provided in the card reader/writer 3. Is tenor the key? - Printing may be performed by this printing mechanism by operating the card 9 and inputting data. Further, the insertion of cash, the release of change, and the release of transaction slips may be performed either on the customer side or on the teller side with the counter 1 as the boundary. Furthermore, the transfer destination, amount to be transferred, etc. can be confirmed by the teller rather than by the customer (as in the past), or by providing a new method for inputting data on the transfer destination on the customer side, the customer can input the data using their own operations. It is also possible.

The remittance card 26 is not limited to the configuration of the above embodiment, but can also be used in common with a cash card or credit card by adopting the JIS B 9560 standard type system, or can be used as a data transfer card. An IC chip consisting of a memory element may be used as the storage means.

Furthermore, the present invention is applicable not only to over-the-counter transactions as in the above-mentioned embodiments, but also to automatic transfer devices that execute transfer transaction processing by the customer's own operations.

(Effects of the Invention) As explained above, according to the present invention, a transfer card capable of storing a plurality of transfer destination data on one card is used, and transfer destination data is added or changed within the range that can be stored in the transfer card. As a result, it is possible to reduce the issuance of new transfer cards to the same transferee, thereby reducing the issuance processing work and the cost required for this. Additionally, customers who have multiple remittance destinations no longer need to carry multiple remittance cards. Furthermore, data on newly generated transfer destinations can be stored in place of transfer destinations for which transfer transactions are no longer performed, so that one card and client data stored therein can be effectively utilized.

[Brief explanation of the drawing]

FIG. 1 is a flowchart showing the processing operation procedure in an embodiment of the present invention, FIG. 2 is an external view of the device in the embodiment of the present invention, FIG. 3 is a system configuration diagram of the embodiment of the present invention, and FIGS. Figure 5 is a diagram showing an example of a transfer card used in the embodiment of the present invention;
The figure is a diagram showing an example of a transfer destination selection display screen in an embodiment of the present invention. 1...Counter, 2...Customer display device, 3...
Card reader/writer, 4... Pin pad, 9... Key date, 10... Teller display device, 16... Automatic deposit/withdrawal machine, 17... Counter main control unit, 26... Transfer card .

Claims (1)

[Scope of Claims] A transfer card capable of storing data on a plurality of transfer destinations, a card reading/writing device for reading and writing the transfer card, and a transfer destination for specifying and adding or changing transfer destinations. an input device for inputting data; a display device for displaying data regarding a transfer destination; a transfer destination selection means for selecting one of a plurality of transfer destinations displayed on the display device; and a control device that is connected to each of the devices and means and controls the transfer transaction processing operation according to a predetermined procedure, and is capable of adding and changing transfer destination data stored in the transfer card. A transfer transaction processing system characterized by performing the following.