JPH04160562A - Transfer processing system - Google Patents

Abstract

PURPOSE:To transfer money to plural transfer destinations without terminating a transaction by reading plural transfer destinations from a transfer card to display them and allowing a customer to select them. CONSTITUTION:When throwing of a designation key is discriminated by a main control part 11, the main control part 11 prompts the customer to depress a type (facilities code) of banking facilities of transfer destinations by a CRT display part 5 and displays type names of banking facilities and keys corresponding to them in the order of facilities code. Then, the customer depresses a key corresponding to the type of banking facilities of transfer destinations, and the main control part 11 discriminates the banking facilities type corresponding to the selected facilities code by this depression and selects a table 24, where banking facilities names of this type are stored, and prompts the customer to input initials of banking facilities names of transfer destinations by the CRT display part 5 and displays KATAKANA (square form of Japanese syllabary) keys, a correction key, and a completion key. The customer inputs initials of banking facilities names, and then, the main control part 11 reads out a corresponding number of banking facilities names and banking facilities name code numbers from a table 25. Thus, plural transfer transactions are quickly performed with one transfer operation.

Description

[Detailed description of the invention] [Invention! (Industrial Field of Application) The present invention relates to a transfer processing method used in an automatic transaction device such as an automatic teller machine that can transfer cash to other financial institutions.

(Prior Art) In recent years, automatic teller machines that accept a magnetic card with account information recorded on it and that automatically pay cash requested by the user by communicating with a host computer have been developed.
Alternatively, an automatic teller machine that accepts a magnetic passbook with a magnetic stripe on which account information is recorded and automatically dispenses the cash requested by the user by communicating with a host computer, or a machine with a magnetic stripe on which account information is recorded. Automated teller machines, such as automatic teller machines that automatically accept cash using magnetic passbooks, and automatic teller machines that combine both of these functions into one machine, are being used as automation equipment at bank counters. It has developed rapidly and has been introduced by banks to provide quick services to their users.

In addition, recently, the above-mentioned automatic transaction devices have been used to accept cash and transfer the accepted cash to another bank account, or to transfer a predetermined amount from one's own account to another bank account by card transaction. Things that do this have been developed and put into practical use.

(Problems to be Solved by the Invention) Conventionally, in the above technology, even if a customer has multiple payment destinations on the transfer card, only one transaction can be performed for each insertion of the transfer card. There was a problem in that handling of multiple transfers was complicated.

Therefore, the L1 objective of this invention is to provide a transfer processing method that allows multiple transfers in one transaction.

[Structure of the Invention] (Means for Solving the Problems) In order to solve the second problem, the present invention reads and displays multiple transfer destinations from a transfer card and allows the customer to select one.

(Function) Customers can freely select and transfer money to multiple recipients without terminating the transaction.

(Example) Hereinafter, an example of the present invention will be described with reference to the drawings.

FIG. 1 shows an automatic transaction device according to the present invention. In other words, there is an abbreviated operating section 2 on the front of the housing.
is formed. On the horizontal surface of this operation section 2, transfer,
It is possible to input a large number of banknotes to be transferred at once, and
A bill insertion slot 3 for receiving banknote change is provided, and this bill insertion slot 3 is provided with a door 4 that can be opened and closed.

Furthermore, a color CRT display section 5 with a built-in touch sensor is provided on the horizontal surface of the operation section 2 . This CRT display section 5 displays operation procedures and other information on the CRT screen in the form of illustrations, characters, or words to guide customers, and also uses the display to display information such as passwords, amounts, account numbers, etc.
A so-called key operation is performed in which a touch sensor (not shown) detects this by pressing a display part corresponding to approval, confirmation, or cancellation of a transaction, and outputs a corresponding signal to the main control unit 11, which will be described later. It is. For example, as shown in Figure 2, the message ``Please enter the payer's name'' is displayed, as well as katakana for inputting the payer's name and a key for specifying the type of business where the transfer is to be made. There is. The contents and display change each time the machine operation or step status changes.

Further, on the vertical surface of the operation unit 2, there is a card insertion slot 6 into which a magnetic card as a transaction medium in which account information such as a PIN number and account number is recorded is inserted, and a passbook or transfer card (card-like medium) 10. A passbook to be inserted, a transfer card insertion lower, a receipt extraction port 23 from which a receipt is issued,
A coin input box 8 is provided for inserting coins, and a coin change receiving box 9 is provided for receiving change for coins.

As shown in FIGS. 3 and 4, the transfer card 10 has the transfer information on the front side 31 including the name of the financial institution to which the transfer is being made, the name of the branch, the account number, and the name of the client. The client's name and 11 seat information or telephone number are printed on it, and a magnetic stripe 32 on the back side is provided on which the above-mentioned transfer information is recorded.

As shown in FIG. 5, the transfer information recorded on the magnetic stripe board 32 includes a starting code, an institution code indicating the form of the transfer destination financial institution, the initial letter and code of the transfer destination financial institution name, and the transfer destination financial institution. Initial letters of the institution's branch name and its code, remittance account type code, account number, beneficiary name, client name,
Client's phone number, expiry date of transfer card, ending code,
and a BCC (binary check code) for performing a parity check.

By the way, as shown in FIG. 6, inside the housing 1 is a main control unit 11 that controls the entire system, and accepts a card inserted through the card insertion slot 6, and reads a PIN number, account number, etc. from the magnetic stripe on the card. The magnetic card reading unit 12 reads the magnetic stripe of the bankbook inserted from the bankbook and transfer card insertion lower, records the transaction contents on the bankbook and journal paper, and prints the transfer information of the transfer transaction. And the recorded transfer card 10 can be issued from a passbook, transfer card insertion lower, or a passbook,
A passbook printing section 1 reads the transfer information on the magnetic stripe 32 of the transfer card 10 inserted from the transfer card insertion lower.
3. Insert the receipt with the transaction result printed into receipt issuing port 2
3, a receipt/withdrawal unit 14 that accepts banknotes inserted into the banknote insertion slot 3 and dispenses banknotes of a specified amount to the banknote insertion slot 3, and a receipt/withdrawal unit 14 that accepts banknotes inserted into the banknote insertion slot 3 and dispenses banknotes of a specified amount to the banknote insertion slot 3; a coin dispensing unit 15 that accepts coins of a specified amount and dispenses coins of a specified amount to the coin receiving slot 9; a customer service unit 16 constituted by the CRT display unit 5; and a speaker (not shown) to provide voice guidance to customers. voice guidance unit 17, internal monitor 18 for staff
, a floppy disk 19 that stores transaction data, etc.
, a transmission control section 20 which controls data transmission between the main control section 11 and a host computer (not shown); a storage section 23 having a table consisting of financial institution names and their codes; and branch names and their codes. , and a power supply section 21 are provided. Further, the main control unit 11 is connected to a remote monitor 22 for use by a staff member provided outside.

As shown in FIG. 7, the storage section 23 is composed of four types of tables. In other words, the table 24 shows the number of 50 syllables in the name of each financial institution and the 50 syllables of each financial institution.
The engine name for each sound is memorized. Area (table 2
5) are stored in correspondence with the starting address. The starting address of the area (table 26) in which the table 25 stores specific financial institution names, financial institution name code numbers, and branch names in alphabetical order is stored in correspondence with each other. In table 26, the number of branches corresponding to each financial institution in alphabetical order is stored in correspondence with the starting address of the area (table 27) where branch names for each financial institution are stored in alphabetical order. It has become. In the table 27, the specific branch names of each financial institution are arranged in alphabetical order, and the code is stored in correspondence with each branch name.

The above-mentioned passbook printing section 13 is configured as shown in FIG. That is, a passbook or transfer card insertion lower is communicated with the front surface of the main body 42, and a detector 43 for optically detecting the inserted passbook or transfer card 10 is provided near the insertion lower. A conveyance path 44 is provided in a substantially horizontal state toward the rear of the main body 42 of the detector 43 . This conveyance path 44 includes drive rollers 45,
. . . pinch rollers 46, . . . and guide bodies 47, . . .
It is driven by a pulse motor 48 via a belt. Note that only the drive roller 45 located at the end of the conveyance path 44 is driven by a pulse motor 49 different from the motor 48 described above. A magnetic head 50 serving as a magnetic reading/recording device is provided at the starting end of the transport path 44. This magnetic head 5o
is for reading or recording information on the magnetic stripe 32 of the accepted bankbook or transfer card 10. If necessary, it contacts the magnetic stripe 32 and moves along the magnetic stripe 32 (passbook or transfer card 10). Reading or recording is performed by moving the transfer card 10 (in a direction perpendicular to the conveying direction).

Further, a platen roller 54 is rotatably supported in the middle of the conveyance path 44 . An electromagnetic brake 55 as a locking mechanism is connected to this platen roller 54, and the action of this electromagnetic brake 55 locks it while handling the bankbook or transfer card 10, and allows it to rotate freely when printing journal paper 59, which will be described later. It's supposed to be.

A print head 56 is provided above the platen roller 54. The print head 56 is held by a carriage 57, and the carriage 57 is guided by a slide rod 58 and moved in the axial direction of the platen roller 54.

Here, the branch roller 54 and the print head 56
These constitute a printing device 76 that prints predetermined information on the bankbook, transfer card 10, and journal paper 59. A roll of journal paper 59 is wound around the platen roller 54 . This journal paper 59 is wound and held on a delivery shaft 60 , is wound onto a take-up shaft 61 via a platen roller 54 , and is conveyed by a feed port roller 62 and a pinch roller 63 .

The winding shaft 61 and the feed roller 62 are driven by a pulse motor 64 via a belt.

Further, in front of the platen roller 54 on the conveyance path 44, a detector 65 is provided to optically detect the bankbook or transfer card 10 being conveyed. Further, near the end of the conveyance path 44, there is a collection box 6 for storing the conveyed passbooks.
8 is provided.

Furthermore, near the end of the conveyance path 44, there is provided a storage section 69 in which transfer cards 10 on which transfer information is not printed or recorded are stored. The sheets are taken out one by one and supplied to a conveyance path 44.

Next, the flowchart shown in FIGS. 9(a) to 9(e) shows the transfer processing method of the present invention in such a configuration.・I will explain with reference to. For example, a customer is now standing in front of this device. At this time, the CRT display unit 5 displays "Welcome, please specify handling" and
A selection key for [Withdrawal, Deposit, = 11-Balance inquiry, Passbook entry, Transfer] is displayed (STI). In response to this guidance, the customer presses down the area labeled "Transfer" (Sr1).

As a result, the main control section 11 determines to proceed to the next processing step, and displays "Please press the type of transfer" on the CRT display section 5, and presses the selection key for "cash or card withdrawal". Display it (Sr1). Next, the customer follows the instructions to ``withdraw the card.''
Press down on the part that is displayed (Sr4). This results in
The main control unit 11 determines that the transfer will be made by debiting the card, and the CRT display unit 5 displays the message “Please insert your card.”
This message is displayed (Sr1). Next, the customer inserts the card into the card insertion slot 6 according to the instructions (Sr6). Then, the card is inserted into the magnetic card read section 12.
The account information such as the password and account number recorded on the magnetic stripe section is read by a magnetic head (not shown). The above account information is checked by the main control section 1, and if it is determined that the card is incorrect, the main control section 11 performs error processing. In addition, the main control unit 1
1, when it is determined that the card is correct, displays "Please press your PIN" on the CRT display section 5, and also displays a numeric keypad and a correction key (S
T7). Next, the customer inputs his/her password by pressing down on the area where the numeric keypad is displayed according to the instructions (Sr1). By inputting this password, the main control unit 11 determines whether or not the passwords match, and if they do not match, performs a password re-input process. Further, if the passwords match, the main control unit 11 causes the CRT display unit 5 to display "Please press the amount to be transferred" as well as a numeric keypad and an amount key (ST9).

Next, the customer follows the instructions and inserts the amount to be transferred (STIO). With this input, the main control unit〕1 is CR
The T display section 5 displays the message "Depending on whether the destination is registered or not, please press the registration key, designation key, or insert a transfer card" and display the registration key and designation key ( STII). Next, the customer inserts the specified key according to the instructions (ST12).

When the main control unit] 1 determines that this designated key has been input, the main control unit 11 causes the CRT display unit 5 to display the message “Please press the type (institution code) of the destination financial institution”, and also displays financial information in order of institution code. The model name of the engine and the key corresponding to the model name are displayed (ST100). Following this guidance, the customer presses the key corresponding to the type of financial institution to which the transfer is to be made (STIOI). By pressing this button, the main control unit 11 determines the corresponding financial institution type based on the selected institution code, selects the table 24 in which the financial institution name of that type is stored, and displays "
"Please enter the initial letter of the name of the destination financial institution" and a katakana key, correction key, and completion key are also displayed (ST 102).

In response to this guidance, the customer enters the initials of the financial institution's name (ST103). At this time, for example, if you press the key "A", the main control unit 11 will calculate the number of financial institution names marked with "A" from the selected table 24 in FIG. Read out. Next, the main control unit 11 reads out the corresponding number of financial institution names and financial institution name code numbers from the table 25. When the completion key is pressed, the main control section 11 causes the CRT display section 5 to display "Please press the name of the destination financial institution" and also displays the selection keys for the names of the plurality of financial institutions that have been read out. Sesameru (STlB). Following this guidance, the customer presses the name of the financial institution (ST14). By pressing this button, the main control unit 11 causes the CRT display unit 5 to display ``Please enter the initial letter of the destination branch name'' and also displays the katakana key, correction key, and completion key (ST
105). In response to this guidance, the customer enters the initial letter of the branch name (ST106). At this time, the main control unit 11 uses the table 25 to read out the starting address of the branch name corresponding to the financial institution name.

Then, for example, if you press the key “A”, the main control unit 1
1 reads out the number of branch names with an "a" prefix from the table 26 in FIG. 7 and the leading address of the table 27 in which they are stored. Further, the main control unit 11 reads the corresponding branch name and its branch code number from the table 27. Then, when the completion key is pressed, the main control unit 11 displays the message "Please press the destination branch name" on the CRT display unit 5.
and a branch name selection key are displayed (ST15). Next, the customer presses the branch name selection key according to the instructions (S T 16). By pressing this button, the main control section 11 causes the CRT display section 5 to display the message "Please enter the destination account number and deposit type," as well as display the numeric keypad, correction key, normal key, and current key (ST
17). Following this guidance, the customer enters the account number and deposit type (ST 18). With this input,
If the main control unit 11 determines that the address is not the main branch, it displays the message "Please press recipient's name" on the CRT display unit 5, as well as a katakana key, a correction key, and a completion key (S, T19). Then, when the completion key is pressed (ST20), or when the main control unit 11 determines that the head office/branch is in charge, the CRT display unit 5 displays "Currently processing the computer. Please wait for a while." (ST21). The main control unit 11 also sends and receives inquiry messages, and causes the results to be printed on journal paper 59. Next, the main control unit 11
The RT display section 5 displays "Please confirm the details of the transfer" and also displays a confirmation key and a cancellation key for the transfer details (ST22). Following this guidance, the customer inserts the confirmation key or cancellation key (ST2
B).

When the main control unit 11 determines that the cancellation key has been input, it performs a cancellation process, and when it determines that the confirmation key has been input, the main control unit 11 performs a cancellation process.
The RT display section 5 displays "Currently processing the computer. Please wait for a while" (ST24).

The main control unit 11 also sends and receives the transfer message, and prints the result on the journal paper 59 using the printing device 76.

Next, the main control section 11 uses the CRT display section 5 to check whether there is also a request for a transfer. That is,
The CRT display unit 5 displays a message saying, ``If you want to continue making a transfer, please press [Continue], if you are done with this, please press [Confirm]'' and the details of the transfer. The confirmation key, continuation key, and cancellation key are displayed on this same screen (
ST241).

In accordance with this guidance message, the user inserts a confirmation key, continuation key, or cancellation key (ST242).

On the other hand, when the main control unit 11 identifies and determines that the cancellation key has been input, it performs cancellation processing. When it is determined that the confirmation key has been input, a confirmation process is performed. That is, the CRT display section 5
``Do you need a transfer card?'' is displayed, as well as required keys and unnecessary keys (ST 25).
). Following this guidance, the customer presses the necessary key (ST26). Then, the main control unit 11 uses the passbook printing unit 13 to print out the transfer information such as the name of the financial institution to which the transfer is made, the name of the branch,
The account number, item, account name, client's name, account information, etc. are printed, and a transfer card 10 as shown in FIG. 3 recorded on the magnetic stripe 32 is issued from the passbook or transfer card insertion lower.

That is, the transfer card 10 is taken out from the storage section 69 by the take-out roller 70 and conveyed along the conveyance path 44 in the direction of arrow a. Then, when the rear end of the transfer card 10 faces the print head 56, the transfer card 10 is conveyed in the direction of the arrow, and transfer information is printed on the surface 31 by the print head 56 during this conveyance. At 1.7 after this printing is completed, the transfer card 10 is conveyed again in the direction of arrow a, and when its magnetic stripe 32 faces the magnetic head 50, the transfer information is recorded on the magnetic stripe 32, and then it is ejected from the insertion lower. be done. At this time, the main control unit] 1 causes the CRT display unit 5 to display ``Please receive the transfer card'' (Sr27). Following this guidance, the customer receives the transfer card 10 (Sr28). This transfer card 10
When the reception of C is completed or when an unnecessary key is pressed in step 25 (Sr29), the main control unit
``Please receive your card and receipt'' is displayed on the RT display section 5 (Sr30). Next, the customer receives the card and receipt and completes the transfer process (Sr3
1).

Here, if the continuation key is pressed at 5T241, the process moves to continuation processing (ST24B). That is, the main control unit 11 displays a numeric keypad and an amount key along with the message "Please press the transfer amount" (Sr1
). The user continues the transfer process according to this guidance message.

Also, when the registration key is pressed in step 11 (S
r32), the main control section 11 causes the CRT display section 5 to display "Currently processing the computer. Please wait for a while" (ST33). The main control unit 11 also sends and receives inquiry messages, and causes the results to be printed on journal paper 59. Next, the main control section 11 controls the CRT display section 5.
``Please confirm the details of the transfer'' is displayed, and a confirmation key and a cancellation key for the transfer details are displayed (Sr34). Following this guidance, the customer inserts the confirmation key or cancellation key (STB5). Then, when the main control unit 11 determines that the cancellation key has been input, it performs the cancellation process, and when it determines that the confirmation key has been input, it displays on the CRT display unit 5 the message "The computer is currently processing, please wait for a while" ( S T 36). The main control unit 11 also sends and receives the transfer message, and prints the result on the journal paper 59 using the printing device 76. Next, the main control section 11 displays on the CRT display section 5 the message "Please receive a card and a receipt" (Sr3
7). The customer then receives the card and receipt,
The transfer process ends (Sr38).

Further, when the transfer card 10 is inserted into the passbook or transfer card insertion lower in step 11 (ST 39), the transfer card 10 is accepted into the passbook print section 13, and the magnetic head 50 prints the transfer information in the stripe section 32, that is, each transfer. the institution code, the initials of the financial institution name and its code, the initials of the branch name and its code, the account number, the account type code,
The client's name, the client's account information, and the expiration date of the transfer card are output to the reading main control section 11.

Next, the main control section 11 causes the CRT display section 5 to display the first
The message ``Please select the transfer destination'' shown in Figure 0 will be displayed. At this time, the transfer details and numeric keys are also displayed on the same screen (Sr391).

Following this guidance, the user inserts the numeric keys.

Using this numerical key, the main control unit 11 reads out the financial institution name code number using the tables 24 and 25 based on the initial letter of the financial institution name, and checks whether this number matches the financial institution name code number read from the magnetic stripe 32. conduct. When the financial institution names match, the main control unit 11 reads out the first address of the branch name based on the financial institution name, and uses the initial letter of the branch name read from the magnetic stripe 32 to create a table 26 or 27 corresponding to the first address of the branch name. The branch name code number is read out using the magnetic stripe 32, and a match between this number and the branch name code number read from the magnetic stripe 32 is checked. Therefore, since the initial letters of the financial institution name and branch name are recorded on the magnetic stripe 32, the main control unit 11 can search the storage unit 23 very easily and quickly. Please confirm the contents of the transfer.If you wish to continue making the transfer, please press the Continue key.If this is the end, please press the Confirm key. Display (S
T40). Following this guide, the user can press the continuation key,
Input the confirmation key or cancellation key (Sr41).

When the main control unit 11 determines that the cancellation key has been input, it performs a cancellation process, and when it determines that the confirmation key has been input, the main control unit 11 performs a cancellation process.
Display "The computer is currently processing the computer. Please wait for a while" on the RT display unit 5 (ST42).
. The main control unit 11 also sends and receives the transfer message, prints the result on the journal paper 59 using the printing device 76 of the passbook printing unit 13, and also prints the result on the journal paper 59 using the printing device 76 of the passbook printing unit 13.
The transfer card 10 accepted in Step 3 is returned to the passbook and transfer card insertion lower. At this time, the main control unit 11 causes the CRT display unit 5 to display "Please receive the transfer card" (
ST43). Following this guidance, the customer receives the transfer card 10 (ST44). This transfer card 10
When the receipt of the card is completed, the main control section 11 causes the CRT display section 5 to display "Please receive the card and receipt" (ST45). The customer then receives the card and a receipt for each transfer transaction, and completes the transfer process (S
T46). Further, when the continuation key is pressed in step 40 (Sr111), as shown in FIG. Continue processing.

On the other hand, in step 3, press down on the part displayed as "cash" (ST47). As a result, the main control unit 11 determines that a cash transfer is to be made, and causes the CRT display unit 5 to display "Please press the amount to be transferred" as well as a numeric keypad and an amount key (Sr48). Next, the customer follows the instructions and inserts the amount to be transferred (ST49). With this input, the main control unit 11 causes the CRT display unit 5 to display the message ``To specify the destination, press the designation key, and to use a transfer card, please insert it into the bankbook or transfer card insertion slot.'' Display the key (Sr
50). Next, the customer inserts the specified key according to the instructions (Sr51).

When the main control unit 11 determines that this designated key has been input, the main control unit 11 displays on the CRT display unit 5 the message ``Please press the type (institution code) of the destination financial institution'', and also displays financial institutions in order of institution code. The shape name and the key corresponding to the shape name are displayed (ST107). Following this guidance, the customer presses the key corresponding to the type of financial institution to which the transfer is to be made (ST108). By pressing this button, the main control unit 11 determines the corresponding financial institution type based on the selected institution code, selects the table 24 in which the name of the financial institution of that type is stored, and displays the "destination financial institution name" on the CRT display unit 5. ``Please enter the initial letter of the institution name'', as well as a katakana key, a correction key, and a completion key (ST109).

In response to this guidance, the customer enters the initial letter of the financial institution's name (STIIO). At this time, for example, if you press the key "A", the main control unit 11 will change the table 24 of FIG. 7 to "A".
The main control unit 11 reads the number of financial institution names marked with "A" and the starting address of the table 25 in which they are stored.Then, the main control unit 11 reads the corresponding number of financial institution names and financial institution name code numbers from the table 25. Then, when the completion key is pressed, the main control unit 11 causes the CRT display unit 5 to display "Please press the name of the destination financial institution" and presses the selection key for the plurality of financial institution names that have been read out. is displayed (Sr52). Following this guidance, the customer presses down the name of the financial institution (Sr53). By pressing this button, the main control section 11 causes the CRT display section 5 to display the message "Please enter the initial letter of the destination branch name," and also displays the katakana key,
Display the correction key and completion key (STIll).

In response to this guidance, the customer enters the initial letter of the branch name (
ST112). At this time, the main control unit 11 uses the table 25 to read out the starting address of the branch name corresponding to the financial institution name. Then, when you press the key for, for example, "a", the main control unit 11 will display the number of branch names with "a" in them from table 26 in FIG. 7 and table 2 in which they are stored.
Read the first address of 7. Further, the main control unit 11 reads the corresponding branch name and its branch code number from the table 27. Then, when the completion key is pressed, the main control unit 11 causes the CRT display unit 5 to display a branch name selection key saying "Press destination branch name" (ST
54). The message "Please press the name of the destination financial institution" is displayed on the CRT display section 5, and a selection key for the financial institution name is also displayed (ST52). Following this guidance, the customer presses down on the name of the financial institution (ST 53
). When the main control unit 11 determines that a list of branch names is possible by pressing this button, it displays a branch name selection key on the CRT display unit 26 saying "Press destination branch name" (
ST54). Next, the customer presses the branch name selection key according to the instructions (ST 55). By pressing this button, the main control unit 11 causes the CRT display unit 5 to display the message ``Please enter destination account number and deposit column 1'', and also causes the numeric keypad, correction key, normal key, and current key to be displayed (ST56). Following this guidance, the customer enters the account number and deposit pillar L1 (S T 57).

As a result of this input, if the main control unit 1 determines that the recipient is not the main branch, it displays "Please press the recipient's name" on the CRT display 5, and also displays the katakana key, correction key,
A completion key is displayed (ST58). Then, when the completion key is pressed (ST59), or when the main control unit 11 determines that the main
The display section 5 displays "Please enter the request deposit name" and also displays katakana and a completion key (ST60).
.

Following this guidance, the client's name and completion key are pressed (ST61). By pressing this completion key, the main control unit 11 displays "Please give the client's phone number" and also displays a numeric keypad and a completion key (ST6
2). In response to this guidance, the customer presses the telephone number and completion key (ST63). By pressing this completion key,
The main control unit 11 causes the CRT display unit 5 to display "Currently processing the computer. Please wait for a while" (ST64). The main control unit 11 also sends and receives inquiry messages and prints the results on five journal sheets. Next, the main control unit 11 causes the CRT display unit 5 to display the message "Please confirm the details of the transfer," as well as displaying a continuation key, a confirmation key, and a cancel key for the transfer details (
ST65).

Following this guidance, the customer inserts a continuation key, confirmation key, or cancellation key (ST 66). When the main control unit 11 determines that the cancellation key has been inserted, it performs a cancellation process, and when it determines that the confirmation key has been inserted, the CRT display unit 5 displays the following message: ``Please insert banknotes and coins into their respective slots. "Please press the confirmation key" and display the confirmation key and cancellation key (S
T67).

Following this guidance, the customer inserts bills into the bill insertion slot 3 and coins into the coin insertion slot 8 (ST68). Then, the banknotes are accepted into the deposit/withdrawal unit 14 for inspection and counting, and the coins are accepted into the coin deposit/withdrawal unit 15.
It will be inspected and counted. When the inspection old number is completed, the main control section 1 causes the CRT display section 5 to display the input amount on the display in step 67 (ST69). In response to this guidance, the customer inserts the confirmation key or cancellation key (ST 70).
. Then, when the main control unit 11 determines that the cancellation key has been input, cancellation processing is performed. If the main control unit 11 determines that the confirmation key should be input, it displays on the CRT display unit 5 the message ``The computer is currently processing, please wait for a while'' (ST71).

The main control unit 11 also sends and receives the transfer message, and uses the printing device 76 to print the results on five journal sheets. In response to the completion of printing, the main control unit 11 compares the transfer amount with the withdrawal amount or input amount, and
Determine whether you have change or not. When the main control section 11 determines that there is change, the CRT display section 5 displays the message "Please receive bills and coins from their respective receiving slots" and displays the amount of change (ST72).

At this time, the main control unit 1 operates the deposit/withdrawal unit 14 to discharge change bills into the bill insertion slot 3, and operates the coin deposit/withdrawal unit 5 to discharge change coins into the coin receiving slot 9. The customer receives change due to this release (ST
73). When the receipt of change is completed or when the main control unit 11 determines that there is no change, the main control unit 11
``Do you need a transfer card?'' is displayed on the RT display section 5, and necessary keys and unnecessary keys are displayed (ST74). Following this guidance, the customer presses the necessary key (ST75). Then, the main control unit 11 prints the transfer information such as the name of the financial institution to which the transfer is made, the branch name, the account number, the item, the account name, and the client's name and telephone number in the passbook printing unit 13, and also records it on the magnetic stripe 32. A transfer card 10 as shown in FIG. 4 is issued from the passbook and transfer card insertion lower. At this time, main control unit 1
1 causes the CRT display section 5 to display "Please receive the transfer card" (ST76). Following this guidance, the customer receives the transfer card 10 (ST77). When the receipt of this transfer card 10 is completed or when an unnecessary key is pressed in step 25 (ST78),
The main control section 11 causes the CRT display section 5 to display "Please receive your card and receipt" (ST79). Next, the customer receives the card and receipt and completes the transfer process (ST80).

Also, step 65 is executed when the continuation key is pressed (S
T662), the main control unit 11 as shown in FIG.
Then, the CRT display section 5 displays "Please select a transfer destination" and continues the transfer process.

Further, when the customer inserts the transfer card 10 into the passbook, transfer card insertion lower (ST81), the transfer card 10 is accepted into the passbook printing section 13 and printed with stripes by the magnetic head 50. Transfer information in section 32, that is, the institution code of the transfer destination, the initials of the financial institution name and its code, the initials of the branch name and its code, account number, account type code, client's name, telephone number, and validity of the transfer card. The deadline is output to the reading main control section 11.

Next, the main control section 11 causes the CRT display section 5 to display the first
As shown in Figure 0, the message ``Please select the transfer destination'' is displayed. At this time, the transfer details and numeric keys are also displayed on the same screen (ST811).

Following this guidance, the user inserts the numeric keys.

Using this numerical key, the main control unit 11 reads out the financial institution name code number using the tables 24 and 25 based on the initial letter of the financial institution name, and checks whether this number matches the financial institution name code number read from the magnetic stripe 32. I do. When the financial institution names match, the main control unit 1 reads the first address of the branch name based on the financial institution name, and uses the first letter of the branch name read from the magnetic stripe 32 to read the first address of the branch name from the table 26 corresponding to the first address of the branch name. 27 is used to read out the branch name code number, and a match between this number and the branch name code number read from the magnetic stripe 32 is checked. Therefore, since the initial letters of the financial institution name and branch name are recorded on the magnetic stripe 32, the main control unit 11 can search the storage unit 23 very easily and quickly. "Processing in progress, please wait for a while" is displayed (ST82). The main control unit 11 also sends and receives inquiry messages and prints the results on five journal sheets. Next, the main control unit 11 displays a message on the CRT display unit 5 saying, ``Please confirm the details of the transfer.If you wish to continue making transfers, please press the CONTINUE key.If this is the end, please press the CONFIRM key.'' Display it. At the same time, the transfer details, continuation key, confirmation key, and cancellation key are displayed (ST83). Following this guidance, the customer inserts the continuation key, confirmation key, or cancellation key (ST84)
. When the main control unit 11 determines to input the cancellation key, it performs a cancellation process, and when it determines to input the confirmation key,
The CRT display section 5 displays the message "Please put banknotes and coins into their respective slots. If you agree, please press the confirmation key" and also displays a confirmation key and a cancellation key (ST85). Following this guide, the customer inserts the banknotes into the banknote insertion slot 3 and coins into the coin slot 8.
(ST86). Then, the banknotes are received by the deposit/withdrawal unit 14 for inspection and counting, and the coins are received by the coin deposit/disbursement unit 15 and counted for inspection. When the inspection counting is completed, the main control unit 1 causes the CRT display unit 5 to display the input amount on the display in step 85 (ST87).
). In response to this guidance, the customer inserts the confirmation key or cancellation key (ST88). Then, when the main control unit 11 determines that the cancellation key has been input, cancellation processing is performed. If the main control section 11 determines that the confirmation key should be input, it displays on the CRT display section 5 the message "Currently processing the computer. Please wait for a while" (ST89). Also,
The main control unit 11 transmits and receives the transfer message, and prints the result on the journal paper 59 using the printing device 76. Upon completion of this printing, the main control unit 11 determines whether or not there is change by comparing the transferred amount with the withdrawn amount or input amount. When the main control unit 11 determines that there is change, the CRT display unit 5 displays the message ``Please receive banknotes and coins from their respective receiving slots'' and displays the amount of change (S T 90). At this time, the main control unit 11 operates the deposit/withdrawal unit 14 to discharge change banknotes into the bill insertion slot 3, and operates the coin deposit/withdrawal unit 15 to discharge change coins into the coin receiving slot 9.

By this release, the customer receives change (ST91).

When the receipt of change is completed, or when the main control unit 11
When the main controller]1 determines that there is no change, the main control unit 1 causes the CRT display unit 5 to display ``Please take a transfer card'' (ST92). Following this guidance, the customer receives the transfer card 10 (ST93). When the transfer card 10 has been received, the main control unit 11
Display section 5 displays "Please receive card and receipt" (ST94). Next, the customer receives the card and a receipt for each transfer transaction, and completes the transfer process (ST95).

Also, when the continuation key is pressed in step 87 (S
T871. ), the main control unit 1] controls the CRT display unit 5 to
As shown in Figure 0, "Please select a transfer destination" is displayed and the transfer process is continued.

If you use a transfer card as described above, if you make regular transfers to multiple recipients, you can omit the steps other than paying the transfer amount or inserting cash from the second time onwards. This allows multiple transfer transactions to be made at the same time.

As a result, it is possible to improve customer service and increase the number of cases processed by significantly shortening operation time.

As mentioned above, since the initial letters of the financial institution names and branch names of multiple transfer destinations are recorded on the transfer card, it is possible to avoid repeating the same operation for each transfer destination. It can be done quickly in just one operation. Therefore, serviceability and operation rate can be improved without increasing the cost of the automatic transaction device.

In addition, in the above embodiment, when entering the transfer destination after pressing the continue key, the name of the financial institution was used (specified), but if it is the same as the previous transaction at the time of input, the above input is The accompanying processing may be skipped. Further, the transmission and reception with the center may not be performed for each transaction, but may be performed all together at the end, or may be performed every predetermined number of transactions (every step number).

In addition, in this embodiment, when transferring money to multiple recipients in the transfer cart, bills or coins were deposited for each recipient each time, but in order to save the trouble of processing the deposit, multiple banknotes or coins were deposited before inserting cash. It is also possible to save the trouble of depositing money by having the customer select a transfer destination, calculating the total amount, and then performing the cash deposit process for the total amount all at once.

[Effects of the Invention] As described in detail above, according to the present invention, it is possible to provide a transfer processing method that allows multiple transfer transactions to be performed quickly with one transfer operation.

[Brief explanation of the drawing]

The drawings are for explaining one embodiment of the present invention, and FIG. 1 is an external perspective view of an automatic transaction device, FIG. 2 is a diagram showing an example of display on a CRT display section, and FIGS. FIG. 5 is a plan view for explaining the configuration of the transfer card, FIG. 5 is a diagram for explaining an example of magnetic stripe recording, FIG. 6 is a schematic configuration diagram of the main parts of the electric circuit, and FIG. 7 is a table of the storage section. Figure 8 is a sectional view showing the structure of the passbook print section, Figure 9 is a flowchart explaining the transfer processing method, and Figure 10 is an example of the display on the CRT display during operation. FIG. 3... Bill insertion slot, 5... CRT display section, 6...
Card insertion slot, 7...Passbook, transfer card insertion slot, 8.
... Coin insertion slot, 10... Transfer card (card-like medium), 11... Main control section, 13... Passbook printing section,
23...Storage unit, 24-27...Table, 31.
...Front side of transfer card, 32...Magnetic stripe, 5
0...Magnetic head, 56...Print head, 69...
- Storage section, 70... take-out roller. Agent Patent Attorney Noriyuki Chika

Claims (1)

[Claims] (1) An input means for inputting transfer information, an acceptance means for accepting a card-shaped medium on which transfer information is recorded, a reading means for reading the information on the card-shaped medium accepted by the acceptance means, and a reading means for reading the information on the card-shaped medium accepted by the acceptance means; Means for performing a transfer process according to transfer information or transfer information input by the input means, and selection means for selecting a transfer destination from a plurality of transfer destinations recorded on a card-like medium, A transfer processing method characterized by performing transfer processing to one or more transfer destinations.