JPH04329471A - Automatic transaction device - Google Patents

Abstract

PURPOSE:To shorten time for a transaction and to improve operability and workability by enabling a transaction processing in the automatic transaction device even without inputting information concerning the destination of transfer. CONSTITUTION:A specified transfer card registering the information concerning the destination of transfer in advance is prepared and issued to a transfer person to execute transfer to this registered destination of transfer and according to this specifies transfer card, the transfer person executes a transfer processing by the automatic transaction device installed at a financial institution. The automatic transaction device is equipped with a card reader/writer part 9 to read the registered information of the specified transfer card inserted by the customer for the transfer transaction, and a transfer person information input instructing means 14 instructs the input of only transfer person information by operating a customer operation part 6 according to the information read by this card reader/writer part 9. Thus, only by inputting the transfer person information as the own information, the transfer person can execute the transfer processing.

Description

[Detailed description of the invention]

0001

[Industrial Application Field] The present invention relates to an automated teller machine that is installed in financial institutions such as banks and performs transaction processing such as deposits and withdrawals by the customer's own operations, and in particular can also handle transfer processing. Related to automated teller machines.

0002

2. Description of the Related Art Conventionally, there are several types of operations when performing a transfer process using an automated teller machine installed in a financial institution and capable of processing transfers, as shown below. First, as a first example, when you want to perform a transfer process, you can select the transfer destination each time or only for the first time by operating an operation key provided on an automatic transaction device (not shown) and pressing it according to the transfer procedure. This is done by entering the specified data. As a second example, if the transferee registers the information of both the transferee and the transferee in advance at a financial institution, creates a transfer card, and then performs the transfer procedure, Using this transfer card that holds data in advance, a transfer operation is performed according to a predetermined operating procedure.

[0003] In the transfer transaction carried out according to the above-mentioned settings, there are cases in which cash is directly deposited into an automatic teller machine and cases in which the money is transferred from the transferee's own account using a cash card. In either case, enter the recipient's bank name, branch name, company name (company name), and telephone number as the recipient's information. Next ■
Enter the sender's name and phone number, which are the sender's information, and finally ■ the transfer amount.

[0004] In addition, when processing the above-mentioned (1) transfer partner information and (3) transferee information in accordance with the above-mentioned first transfer transaction example that does not use a transfer card, each time a transfer process is performed, the transferee information is Therefore, in order to improve operability, the above information has been registered in advance, and this registered information is stored in the magnetic stripe of the card to create a transfer card specifically for transfer processing. and perform the transfer process using this transfer card.
Examples of transfer transactions have already been implemented.

FIG. 5 is an explanatory diagram showing an example of information storage on such a transfer card. Reference numeral 1 denotes a transfer card, on which a magnetic stripe section 2 is pasted at a predetermined position, and this magnetic stripe section 2 stores various pieces of information required in the transfer process described below. First, at one end, which is the tip side in the card insertion direction, there is an area where a start code is stored to notify that information is stored from here onwards, followed by the above-mentioned ``transfer destination information''.
An area for storing the bank name, branch name, name, and telephone number of the recipient of the transfer, then an area for the transferee's name and telephone number, and an area for reserve fields for the transfer amount information. The check code for the end code area is set to indicate the end of the information, and the check code is divided into ranges according to the amount of information in each area. is designed to store each relevant information.

[0006] When performing a transfer process using the transfer card 1 having the above-mentioned configuration, the transfer card 1 has registered data on the recipient of the transfer and data on the sender, so these information must be entered. However, when creating the transfer card 1, it is necessary for the transfer person to input (1) transfer destination data and (2) transfer person data by operating keys on the automatic teller machine. Of course, partial registration of such registered information, such as only the data of the transfer partner or only the data of the transferee, is not accepted by the system, so when conducting a transfer transaction, it is necessary to register the information. It was necessary to input both of the above data at the same time.

[0007]

[Problem to be Solved by the Invention] When conducting a transfer transaction as described above, if the transfer destination is limited and the transfer is made periodically, information on both the transfer destination and the transfer person is required. If the sender creates a transfer card that can be registered in advance and performs operations using this transfer card, there are fewer keystrokes, which has the advantage of reducing input errors and simplifying operations. However, when creating this transfer card, the information of both the recipient and the person making the transfer must be entered and registered using key operations. In particular, in recent years, an unspecified number of remittances have been made to certain designated remittance recipients, such as remittances for repayment of loans to consumer finance, etc., remittances for payment of school entrance fees, tuition fees, etc. However, more and more transactions involve transfer processing, but even in such transfer transactions, if a transfer card is used, the recipient of the transfer must be notified at the time of creation of the card or, if a transfer card is not used, each time a transfer transaction is made. There is also a problem in that information for both the sender and the sender must be input by key operations.

[0008] In other words, in the above-mentioned transfer transaction, in order to process the transfer, an unspecified number of transferees input information about the transfer recipient that is exactly the same for each transferee. Is required. Therefore, some transfer users may have to perform unfamiliar operations, and these unfamiliar operations may lengthen the operation time, which not only creates problems such as prolonging the waiting time for other customers. However, there is a problem in that the large amount of input information may lead to input errors, leading to further deterioration in operability and operability.

[0009] The present invention has been made to solve the above-mentioned problems, and when processing a transfer or creating a transfer card, the transferee himself/herself enters the information of both the transferee and the transferee using a key. To provide an automated teller machine with high operating efficiency, by making it possible to perform transfer processing without having to operate the system, simplifying input operations, reducing input errors, and shortening transaction processing time. This is the purpose.

0010

[Means for Solving the Problems] In order to achieve the above-mentioned object, the present invention allows the recipient to create a specific transfer card in which only the information of the recipient is registered in advance, and issues this to the customer. Using this specific transfer card, the customer can perform transfer transactions by simply inputting only the information of the sender. In other words, in an automatic transaction device that can process a transfer transaction by inserting a transfer card created by registering predetermined information related to the transfer transaction in advance, a specified transfer card with only the information of the transfer recipient registered is inserted into the device. Accordingly, a payer information input instruction means is provided for instructing the input of the payer information, and predetermined information of the payer is input by operating the operation keys of the customer operation section according to instructions from the payer information input instruction means. This allows you to process transfers using .

[0011]

[Operation] With the above-described configuration, a specified transfer card that is sent by a customer from a remittee and that stores only the remittee's information can be transferred to an automated teller machine installed at a financial institution by the remitter. When inserted, the magnetic information stored in this specific transfer card is read inside the device, and based on this read information, the transfer information input instruction means sends information regarding the transfer of the transferee who is about to make the transfer. Instruct the customer to input predetermined information and prompt the customer to operate. Following this instruction, the customer operates the customer operation section to input only his/her own payer information. As a result, since the information on the recipient of the transfer is already registered on the card, the customer, that is, the person making the transfer, can perform the transfer process without making any mistakes in the information on the recipient.

0012

DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described below with reference to the drawings. Figure 1 is a block diagram showing an automated teller machine, Figure 2
is an explanatory diagram of a specific transfer card that can be processed by the automated teller machine shown in FIG. 1, FIG. 3 is a flowchart showing the processing operation of a transfer transaction using the specific transfer card shown in FIG. 2, and FIG. FIG. 2 is an explanatory diagram showing an example of a system in which a transfer card is used. First, a schematic configuration of an automated teller machine will be explained with reference to FIG. In the figure, reference numeral 3 denotes an automated teller machine, which is equipped with functions that allow the customer to perform cash deposit/withdrawal transactions, balance inquiries, bankbook entries, and transfer transactions related to the present application by the customer's own operations.

Reference numeral 4 denotes a control section, which controls various mechanical sections described below, and is connected to a host computer (not shown) via a host interface section 5. 6 is a customer operation unit for customers to input transaction instructions and transaction information by pressing operation keys, etc.; 7 is for issuing operation start instructions at the beginning of business hours, operation stop instructions at the end of business hours, and carrying out inspections, repairs, etc. 8 is a file section that stores transaction information, internal drive information, etc. of the device. Reference numeral 9 denotes a card reader/writer section that reads and writes information on the magnetic stripe section of the customer card inserted into the device when the customer performs transaction processing such as deposits and withdrawals. Also performs read and write operations.

[0014] 10 is a passbook recording section for printing transaction details on a passbook inserted into the device in conjunction with deposit/withdrawal transactions; 11
Based on the deposit/withdrawal transaction and transfer transaction instructed by the customer, it takes in the inserted banknotes and stores them in the designated storage section, and in the case of a withdrawal instruction, the amount corresponding to the withdrawal instruction from the designated storage section. 12 is a bill depositing and dispensing section that dispenses banknotes and performs deposit/withdrawal processing, and 12 is a coin depositing and dispensing section that similarly handles coins.

Each of the above-mentioned elements is controlled by the control section 4, and the control section 4 also includes a remittance recipient's account in order to handle the processing of a specific remittance card, which will be described later. A special bank transfer card that has only information on its magnetic stripe to identify the recipient of the transfer, and a standard bank transfer card that has information on both the recipient and the person making the transfer, is used to distinguish it from a regular transfer card that has information on both the recipient and the person making the transfer. The transfer card recognition unit 13 and this specific transfer card identification unit 13
A payer information input instruction means 14 is provided which instructs input of the payer's information when it is recognized that the process is for a specific card. Note that 15 is a power supply unit for driving the device including each of these elements.

Next, FIG. 2 shows an example of holding information on a specific transfer card used by the above-mentioned device. In Figure 2,
Reference numeral 16 denotes a specific transfer card that can store only the information of the transferee, and each information storage area is separated by a magnetic stripe section 17. As shown in the figure, in the magnetic stripe section 17, as in the conventional case, a starting code is placed at one end on the leading end side with respect to the card insertion direction to notify that information is stored from here onwards. , followed by the name of the bank to be transferred to, the name of the branch, and the name of the bank to be transferred to.
An area is set up to store phone numbers. and,
The area after this remittance information area and up to the end code area that indicates the end of the magnetic information is all reserved field area, and no area is reserved for storing information on the remittance side. By registering predetermined information in each of the information storage areas described above, the card can be used as a specific transfer card 16.

The processing operation of a transfer transaction using the above-mentioned specific transfer card 16 will be explained by adding the flowchart of FIG. 3 to FIGS. 1 and 2. Note that the symbol S shown below indicates a processing step. First, a customer operates the customer operation unit 6 of the automated teller machine 3 shown in FIG. 16 into the device (S1
), when the card reader/writer section 9 reads the information on the magnetic stripe section 17 and sends the read magnetic information to the control section 4, the control section 4 determines that the inserted card is a specific transfer card using the specified transfer card identification section 13. 16 or not, that is, whether only the data of the remittance recipient is stored, or whether all data of both the remittance recipient and the payer are stored (S2).

In S2, if it is determined that the inserted card is the specified transfer card 16, the transferee information input instruction means 14 allows the customer to input the transferor information, such as the transferor's name and the transferor's telephone number. The user is prompted to input by operating the operating unit 6, for example, by displaying a message on a display unit (not shown), etc. (S3). When it is confirmed that the customer has input the payer information in accordance with this instruction (S4), the input payer information is written in the spare field of the specific transfer card 16 in the card reader/writer section 9 (S5).

When the writing of the transfer person information is completed, the customer is then prompted to input the transfer amount (S6), and when the input of the transfer amount is confirmed (S7), the customer is prompted to insert cash (not shown) into the device. Instructs to insert cash into the mouth (S8). When the customer inserts cash, the device counts the inserted cash and calculates whether there is change (S9).
, if there is change, instruct to release the change (S10)
. When the change is released, the specific transfer card 16 is released to a card outlet (not shown), and the transfer process ends (S1
1). If it is determined in S9 that there is no change, the specific transfer card 16 is released in S11.

[0020]Finally, the above-mentioned specific transfer card 1
FIG. 4 shows an example of a system that can provide convenience in transfer processing by using 6. In FIG. 4, 18 is a financial institution such as a bank that has installed the automated teller machine related to the present application, 19 is a company/corporation that is the recipient of the transfer, and this company/corporation 19 includes a consumer financial institution. This includes banks, schools, etc., which are the recipients of remittances when repaying loans, paying admission fees, tuition fees, etc. 20 is an unspecified number of customers who conduct transfer transactions to this company/corporate 19,
They have payment obligations by purchasing products from companies/corporations 19, taking loans, or enrolling in schools.

[0021] In the relationship between the three parties mentioned above, the company/corporation 19 requests the financial institution 18 to create a specific transfer card 16 with the requester himself, that is, the company/corporation 19 as the transfer destination. In response to this, the financial institution 18 creates a specific transfer card 16 in which various predetermined information necessary for the transfer transaction of the company/corporation 19 is registered, and issues it to the company/corporation 19. Then, the company/corporation 19 uses this specific transfer card 16.
To an unspecified number of customers 20 who have an obligation to pay,
It will be sent along with the transfer request. The customer 20 who received the transfer request along with the specified transfer card 16 uses the specified transfer card 16
A transfer transaction is made from the financial institution 18 to the company/corporation 19 using the above-described operating procedure in the flowchart.

[0022] In this way, if a setting is established in which a large number of unspecified remittances make regular remittances to a specific remittance recipient, effective effects will be obtained for each of the three parties. . In other words, companies/in the system described above
The corporation 19 will be able to receive the designation of the transfer destination from the customer 20 without fail, and the financial institution 18 will be able to simplify input operations, reduce operational errors, and shorten operation time. This is because the customer 20 can reliably specify the recipient of the transfer without having to input information about the recipient of the transfer, and operations in the transfer transaction are simplified.

[0023]

Effects of the Invention As explained above, according to the present invention, in an automatic transaction device capable of processing a transfer transaction by inserting a transfer card created by registering predetermined information regarding the transfer transaction in advance, A payer information input instruction means is provided to instruct the input of payer information by inserting a specific transfer card with only the information registered into the device, and the operation keys of the customer operation section are The customer can perform the transfer process by entering the specified information of the transferee by operating the Transfers can be processed simply by entering information. This makes it easier to perform transfer operations at financial institutions, and since there is no need to input the recipient's information, there is no need to input the wrong recipient's information due to operational errors, ensuring a quick and reliable transfer. Transaction processing can be carried out.

[0024] Along with this customer's reliable transfer transaction processing in a short time, financial institutions can shorten the transfer processing per customer, thereby shortening the waiting time of other customers. Since the number of operational errors is reduced, it is possible to improve the operating rate of the apparatus. Further, the recipient receiving the transfer receives a reliable transfer designation, and has the effect of being able to reliably collect the funds.

[Brief explanation of drawings]

FIG. 1 is a block diagram showing an automated teller machine.

FIG. 2 is an explanatory diagram of a specific transfer card that can be processed by the automated teller machine shown in FIG. 1;

FIG. 3 is a flowchart showing the operating procedure of a transfer process using the specific transfer card shown in FIG. 2;

FIG. 4 is an explanatory diagram showing an example of a system for using a specific transfer card according to the present application.

FIG. 5 is an explanatory diagram showing an example of information storage in a conventional transfer card.

[Explanation of symbols]

3 Automatic cash transaction device 4 Control section 9 Card reader/writer section 13 Specified transfer card recognition section 14. Transfer person information input instruction means 16 Specified transfer card 17 Magnetic stripe section

Claims (1)

[Claims] [Claim 1] In an automatic transaction device that can process a transfer transaction by inserting a transfer card created by registering predetermined information related to the transfer transaction in advance, the device is capable of processing a transfer transaction by inserting a transfer card that has been created by registering predetermined information regarding the transfer transaction. There is provided a payer information input instruction means for instructing the input of the payer information by inserting it into the machine, and by operating the operation keys of the customer operation section according to instructions from the payer information input instruction means, predetermined information of the payer is inputted. An automatic transaction device characterized by being able to perform transfer processing by inputting information.