JPS62264364A - Loan consulting device - Google Patents

Abstract

PURPOSE:To quickly process a petty loan with high efficiency via a cash dispenser by reading intrinsic data on a customer recorded on a card medium and then recording the data on a transaction-enable state if obtained on the card medium. CONSTITUTION:When a customer puts a card medium 1 into a reading means 2, the data intrinsic to the customer are read by the reading means 2. Then the loan transaction data is supplied through an operation input means 3 and a deciding means 4 decides the propriety of a transaction based on said read-out data and the loan transaction data. If the transaction is possible, the data showing a transaction-enable state is recorded on the medium 1. Then the customer puts such a card medium 1 into the cash dispeuser, etc. to receive a loan.

Description

[Detailed Description of the Invention] [Summary] A loan consultation device for use in small loans at financial institutions, comprising a reading means for reading customer data from a card, an operation input means for inputting loan transaction data, and a read data and input device. By providing a determination means for determining whether or not a transaction is possible based on loan transaction data, small loans can be automatically and quickly processed to improve services and save labor. be able to.

[Industrial application field]

The present invention relates to a loan counseling device used in financial institutions for small loans to individuals, and more particularly to a loan counseling device that can automatically and quickly provide loan counseling through customer operations.

In recent years, financial institutions have been promoting consumer loans, and as the number of users is increasing, there is a need for a method for quickly providing loan consultations.

[Conventional technology]

BACKGROUND ART Loans at financial institutions such as banks are made through face-to-face consultations between customers and bank staff, regardless of the loan amount.

[Problem that the invention seeks to solve]

According to the above conventional method, bank employees consult customers face-to-face regardless of the loan amount, and the number of people increases in proportion to the number of loans, so efficiency decreases as the number of small loans increases. Another problem is that it is difficult for customers to seek advice when it comes to small loans.

[Means for solving problems]

FIG. 1 is a block diagram of the principle of the present invention.

In the figure, 1 is a card medium on which customer-specific data is recorded, 2 is a reading means for reading the recorded data from the card medium 1, and 3 is an operation input for operating and inputting loan transaction data including unique data indicating the validity of the customer. Means 4 is a determining means for determining whether or not a transaction is possible based on the read data and loan transaction data.

Therefore, when the result of the determination by the determining means 4 is that the transaction is possible, data indicating that the transaction is possible is recorded on the card medium 1.

[Effect]

When the customer inserts the card medium 1 into the reading means 2, customer-specific data is read, and when the customer inputs loan transaction data through the operation input means 3, the determination means-4 determines based on the read data and the loan transaction data. By determining whether a transaction is possible or not, and recording data indicating that a transaction is possible when a transaction is possible, on the card medium 1, the customer inserts the card medium 1 on which data indicating that a transaction is possible is recorded into, for example, an automatic cash dispensing machine. Loans can be obtained in the following ways.

Therefore, small loans can be processed quickly and efficiently.
In addition, customers can receive loans without any discomfort, thereby saving labor and improving services.

〔Example〕

Hereinafter, one embodiment of the present invention will be described with reference to FIGS. 2 and 3. The same reference numerals refer to the same objects throughout the design.

In FIG. 2, parts corresponding to those in FIG. 1 are shown surrounded by a dashed line.

FIG. 2 shows a loan counseling device used in financial institutions such as banks, which is connected to a host computer (not shown).

In the figure, a card 1a is, for example, a currently popular cash card, which has an area on its magnetic stripe in which new data indicating whether a transaction is possible or not can be written. Therefore, the magnetic stripe has a PIN number.

Account number 1 deposit balance data is recorded.

The card read/write unit 2a has a function of reading data recorded on the magnetic stripe of the card 1a and writing data indicating whether a transaction is possible or not in a predetermined area.

The touch screen 3a is a display (hereinafter referred to as CRT).
3b is an operation input means for inputting loan transaction data such as a personal identification number, loan amount, repayment method, numbers displayed on the CRT 3a, loan menu, etc. by touching.

The determination unit 4a inquires of the host computer as to whether or not there is a loan remaining, and determines whether the loan transaction is possible or not by comparing the loan transaction data input through the touch screen 3a with a setting value set in the setting unit 4b, which will be described later.

The setting unit 4b is a memory in which a plurality of combinations of loan amounts, repayment methods, etc. are set.

The password verification section 5 has a function of checking the password read from the card la and the password input by operation, and sending a confirmation signal to the determination section 4a.

The data memory 6 is a memory in which read data read from the card 1a, input data inputted with instructions, and loan transaction approval/disapproval data are temporarily stored.

The operation control program unit 7 is a memory that stores a program for controlling the operation of the device.

The main control section 8 controls each section according to the program of the operation control program section 7. Further, 9 indicates a printer section.

With such a configuration and function, the operation will be explained with reference to the flowchart shown in FIG. 3. First, when the customer inserts the card LA into the card read/write unit 2a, recorded data such as the PIN number is read from the card LA. and stored in the data memory 6.

(2) Next, when the customer inputs a PIN number by hand according to the input guidance displayed on the CRTab, the PIN number is sent to the PIN confirmation section 5, where the PIN number is read out from the data memory 6 and verified.

■If the confirmation is NO, a message to that effect will be displayed and the card 1a will be returned.

- When the confirmation is OK, the determination unit 4a first inquires of the host computer as to whether or not there is a loan remaining, and receives an OK response if there is no loan remaining or the balance is below a predetermined balance.

■If the loan balance exceeds a predetermined amount, the current loan transaction is rejected, a display to that effect is displayed, and the card 1a is returned.

■When an OK response is received, the setting value is read from the setting section 4b, and multiple loan menus combining loan amounts and repayment methods are displayed on the CRTab, and the customer selects and instructs the desired loan number from among these. do.

(2) The determination unit 4a displays that a loan transaction is possible, and transmits data indicating that a loan transaction is possible and a loan number to the host computer.

Next, data on the loan amount and repayment method of the loan number is sent to the printer section 9, and the scheduled loan amount and repayment method are printed out.

■Furthermore, the card 1a° is read/written by the card read/write section 2a.
flag a predetermined area of the magnetic stripe. −[
The card la is returned and a printed slip is issued at the same time.

In this way, loan consultations can be automatically conducted with the device.

Then, when the customer inserts the card 1a into the automatic cash dispensing machine, the automatic cash dispensing machine reads the flag from the card 1a, makes an inquiry to the host computer, receives a matching response, and then withdraws a predetermined amount of money to provide the loan.

Alternatively, the user can submit the card 1a and the issued slip to the teller and receive a similar withdrawal.

Although the above example describes the case where the loan counseling device is connected to the host computer, it can also be applied when the loan counseling device is offline. That is, when it is determined that a loan transaction is possible, by writing the data indicating that a loan transaction is possible and the loan number in the empty area of the magnetic stripe of the card 1a, the card can be inserted into an automatic cash dispensing machine and receive a loan. can. In this case, it is not possible to confirm whether there is a loan balance, but
Even if there is a duplicate loan, it can be handled within the allowable amount since it is a small loan.

〔Effect of the invention〕

As explained above, according to the present invention, ■ Small loans can be processed quickly and efficiently.

■Customers can receive loans without feeling awkward.

■Therefore, it is possible to save labor and improve service.

There is an effect.

[Brief explanation of drawings]

FIG. 1 is a block diagram of the principle of the present invention, FIG. 2 is a block diagram showing an embodiment of the present invention, and FIG. 3 is a flowchart of FIG. 2. In the figure, 1 is a cart medium, 1a is a card, 2 is a reading means, 2a is a card read/write section, 3 is an operation input means, 3a is a touch screen, 3b
is a CRT, 4 is a determination means, 4a is a determination section, 4b is a setting section, 5 is a password confirmation section, 6
7 is a data memory, 7 is an operation control program section, 8 is a main control section, and 9 is a printer section. 1st figure Miki Komei n Mitsu example bu b, 12 figure writing threat, 1/I flow 7-toda 2 M

Claims (2)

[Claims] (1) Card medium on which customer-specific data is recorded (1)
a reading means (2) for reading the data from the reader; an operation input means (3) for manipulating and inputting the loan transaction data including unique data indicating the legitimacy of the customer; and the reading data read by the reading means (2) and and a determining means (4) for determining whether or not a transaction is possible based on the loan transaction data inputted from the operational input means (3), and determining whether the transaction is possible when the transaction is possible as a result of the determination by the determining means (4). A loan counseling device characterized in that data shown in the figure is recorded on the card medium (1). (2) The loan counseling device according to claim 1, wherein the determining means (4) transmits data indicating that transactions are possible to a host device.