JPS6290768A - Automatic transfer account collation system - Google Patents

Abstract

PURPOSE:To enable a user to know the details of the automatic transfer account that is requested at an operational time only by carrying the card to a finatial institution by constituting the titled system so that the collation of automatic transfer account is confirmed when a collation key is depressed, the transfer transaction are collated with a computer system for the month to be collated inputted by the numeral key of a keyboard, an editted data is received, and a recept is printed out. CONSTITUTION:A card reader 11 reads the card inserted by a user, and transmits the account number and password number to a processor 2. The processo 2 temporarily stores these data in a RAM 3, and collates it with the password number inputted from a keyboard 14. Then, when the collation of automatic transfer account is instructed by depressing the collation button 15 provided in the keyboard 14, the processor 2 displays the input of the month to be collated at a displayiing part 10. Based on the name of the month instructed by depressing numeral key and the account number read by the card reader 11, the collation wit the computer system 1 is executed through an interface circuit 5. The content of the transactions is transmitted to an printing part 7 through a print controlling circuit 6, and printed on a receipt.

Description

[Detailed Description of the Invention] [Summary] Previously, it was only possible to know the details of automatic account transfers by printing them on the passbook, but now the receipts can be edited for each month by simply bringing the card. It is possible to print transaction details.

[Industrial application field]

The present invention relates to an automatic teller machine or an automatic teller machine, and more particularly to an automatic account transfer verification system that can easily carry out inquiries about automatic account transfers such as utility charges.

Financial institutions' teller machines are increasingly automated online,
Today, automatic teller machines and automatic teller machines have been introduced at city banks, regional financial institutions, agricultural cooperatives, and post offices, making it possible to obtain cash without using a passbook.
It is also possible to save money.

On the other hand, automatic account transfers for public utility charges have become popular, reducing the burden on users, but it is difficult to easily inquire about automatic account transfers in order to clearly understand when and what kind of charges were paid. desirable.

[Conventional technology]

Currently, notification of the amount of automatic transfer of public utility charges from an account is done by sending a receipt from the party with whom you have entered into an automatic transfer contract or a payment notice from a financial institution.

Also, account holders can know the details by making entries in their passbook.

[Problem that the invention seeks to solve]

Notifications using receipts or payment notices as described above are sent to account holders with a delay of several days from the date of actual withdrawal, and because they are notified individually, statistics are not accurate. It is difficult to understand the situation in detail.

It is possible to check by recording it in a passbook, but
Carrying a passbook is inconvenient, and if no passbook transactions are made for a certain period of time, unrecorded amounts are added up and the details become unclear.

In view of these problems, the present invention enables account holders to edit and print transferred transactions for each month of inquiry by simply bringing their card with them.

[Means for solving problems]

The figure is a block diagram of a circuit showing one embodiment of the present invention.

1 is a computer system, 2 is a processor that controls the entire automated teller machine, 3 is a RAM that stores data and programs, and 4 is a ROM that stores a program that instructs the operation of the processor 2 at the initial stage.

5 is an interface circuit for exchanging data with the computer system 1; 6 is a print control circuit for controlling printing on bankbooks and receipts; 7 is a printing section for printing on bankbooks and receipts; 8 is an automatic teller machine. 9 is a display control circuit that performs control to display operation guidance necessary for transactions; 10 is a disk that stores programs and data that instruct operations;
is a display unit that displays operation guidance.

11 is a card reader for reading cards; 12 is an identification unit for identifying banknotes; 13 is an input/output port for receiving or discharging banknotes; 14 is a keyboard for inputting transaction details; and 15 is provided on the keyboard 14. This is the verification button.

The processor 2 has a verification phase 15 added to the keyboard 14.
By pressing , it is recognized that the inquiry is about automatic account transfer, and the transaction transferred to the computer system 1 via the interface circuit 5 is inquired and edited by the inquiry monthly production entered by the numeric buttons on the keyboard 14. The configuration is such that the data is received and the printing unit 7 prints the receipt.

In another embodiment, a bit input from the card reader 11 that instructs automatic account transfer inquiry is added to the card to recognize that the inquiry is about automatic account transfer.
By pressing the existing Ox button, the receipt is printed in the same manner as described above.

[Effect]

With the above configuration, customers can know the details of the automatic account transfer they need at any time by simply bringing their card to a financial institution, using a receipt edited and printed for each month. .

〔Example〕

In the figure, the processor 2 is R at the initial stage such as when the power is turned on.
The contents of the OM4 are read, a program is read from the disk 8 and stored in the RAM 3, and the automatic teller machine is operated by this program to control the entire automatic teller machine.

The processor 2 reads the operation guidance from the RAM 3, causes it to be displayed on the display section 10 via the display control circuit 9, and sequentially provides necessary operation guidance in accordance with the customer's operations. The card reader 11 reads the card inserted by the customer and sends the account number, password, etc. to the processor 2.

The processor 2 temporarily stores these data in the RAM 3, and checks the data against the password entered from the keyboard 14.

Next, when the verification button 15 provided on the keyboard 14 is pressed to inquire about automatic account transfer, the processor 2 causes the display unit 10 to display the input of the monthly production to be queried, and the processor 2 is instructed to do so by pressing the numeric button. Based on the monthly income and the account number read by the card reader 11, an inquiry is made to the computer system 1 via the interface circuit 5.

Transaction details edited monthly by the computer system 1 are stored in the RAM 3 via the interface circuit 5. The processor 2 sends the transaction details to the printing unit 7 via the printing control circuit 6 and prints them on a receipt.

In another embodiment, instead of adding a verification button 15 to the keyboard 14, a bit is added to request the card to make an inquiry about automatic account transfer.

When this bit is read by the card reader 11, the processor 2 causes the display unit 10 to display whether or not to inquire about automatic account transfer, and when the existing OiO is pressed,
Similarly to the above, transaction details are sent from the computer system 1 for each designated column, and printed on a receipt by the printing unit 7.

If the x button is pressed, it is determined that an inquiry about automatic account transfer is unnecessary, and the bit read by the card reader 11 requesting an inquiry about automatic account transfer is ignored.

The banknotes inserted into the input/output port 13 are identified by the identification unit 12 and then stored in the safe. When a bill is requested to be dispensed, the banknotes taken out from the money tray are identified by the identification unit 12 and then stored in the safe. Send on 13th.

〔Effect of the invention〕

As explained above, the present invention enables detailed automatic account transfer inquiries to be printed on receipts by simply bringing a card, whereas conventionally it was only possible to check detailed automatic account transfers by bringing a bankbook and having transaction details printed.

[Brief explanation of drawings]

The figure is a block diagram of a circuit showing one embodiment of the present invention. In the figure, 1 is a computer system, 2 is a processor, 3 is a RAM,
4 is ROM. 5 is an interface circuit, 6 is a print control circuit, 7 is a print section, 8 is a disk,
9 is a display control circuit; 10 is a display section;
11 is a card reader, 12 is an identification unit, 13
14 is a keyboard, and 15 is a collation button. + Tsutomuguda'9 items -'Q with Rare history and 2i issue +lt=show 1
F circuit ・)7'tO,, diagram

Claims (1)

[Scope of Claims] Transaction processing using a card in an automated teller machine, comprising a checking means for instructing an inquiry about automatic account transfer, and an inquiry about automatic account transfer by operating the checking means. This automatic account transfer verification method is characterized in that it recognizes that there is a transaction, edits the transaction details for each month, and prints the transaction details on a printing unit (7).