JPH04344565A - Transfer method - Google Patents

Abstract

PURPOSE:To provide a transfer system capable of facilitating transfer transaction with one transaction card. CONSTITUTION:Transaction card 10 is taken in a transaction machine by a suction means 5, and the customer of the card while watching a display means 7, inputs transfer destination data from an input means 8 to carry out cash transfer processing. A transfer data writing means 4 writes transfer destination data in the magnetic stripe on the back of the transaction card 10, and a discharge means 6 discharges the transaction card 10. In order to retry transfer to the transfer destination that was once written in the magnetic stripe on the back of transaction card 10, the transaction card 10 is inserted in the machine, the machine reads the transfer destination data written in the magnetic stripe on the back of the card, the display means 7 displays the read transfer destination data, and the customer, if the transfer destination is wrong, inputs a correct transfer destination from the input means 8 to deal with cash transfer processing.

Description

[Detailed description of the invention]

0001

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a transfer system for automatic teller machines with a transfer function used in financial institutions and the like.

0002

[Background Art] Financial institutions such as banks, securities companies, and agricultural cooperatives that operate credit businesses use automatic teller machines exclusively for dispensing banknotes and automatic teller machines for depositing banknotes in order to save labor and improve customer service. Automatic teller machines (hereinafter referred to as automatic teller machines and automatic teller machines are collectively referred to as automatic teller machines) have been introduced to carry out tasks such as making payments, entering transaction records in passbooks, and recording bankbooks. There is. Nowadays, especially in banks, it is possible to use automatic teller machines to transfer cash to a recipient, and what is more, paper cards are issued specifically for transfers, so that the next time you make a transfer to the same recipient, the automatic teller machine will issue a special paper card for the transfer. Automatic teller machines with a transfer function have also been introduced, which make transfer operations easier by using a special paper card for transfers.

0003

[Problems to be Solved by the Invention] In the conventional transfer method described above, the transfer processing section (hereinafter referred to as the transfer unit) and the card processing section (hereinafter referred to as the card unit) used are separate. The structure of the automatic teller machine had become larger. In addition, since one paper card is issued for each transfer destination, the cost of the transfer-only card is high.

[0004] Nowadays, in the age of cards, the number of cards held by customers has increased, and having a paper card exclusively for transfers is a great hindrance for customers. However, if you do not have a special paper card for transfers with the transfer destination data written on them, the transfer operation will take a lot of effort.

An object of the present invention is to provide a transfer method that allows transfer transactions such as deposits, withdrawals, and balance inquiries to be easily performed using a single transaction card.

[0006]

[Means for Solving the Problems] The transfer method of the present invention includes a data reading means for reading transaction data and transfer data on the magnetic stripe of a transaction card, and a transfer data writing means for writing transfer data on the magnetic stripe of the transaction card. , comprising an inhalation means for inhaling the transaction card, an ejection means for ejecting the transaction card, an output means for displaying operation guidance to the customer, and an input means for the customer to input transfer destination data.

The data reading means comprises a transaction data reading means for reading the transaction data on the front side of the magnetic stripe, and a transfer data reading means for reading the transfer data on the back side of the magnetic stripe, and the transfer data reading means reads the transfer data on the back side of the magnetic stripe. The means may write the transfer destination data on the back side of the magnetic stripe.

[0008]

DESCRIPTION OF THE PREFERRED EMBODIMENTS Next, the present invention will be explained with reference to the drawings. FIG. 1 is a block diagram of an automatic teller machine showing one embodiment of the present invention, and FIG. 2 is a plan view showing an example of the transaction card in FIG. 1, with (a) and (b) showing the front side and back side.

[0009] When performing a transfer operation, the customer uses the transaction card 1
When 0 is inserted, the transaction card 10 is taken in by the inhalation means 5, and while looking at the display means 7, the customer uses the input means 8 to input the transfer destination data and perform the cash transfer process. After the transfer process, the transfer data writing means 4 writes the transaction card 10 into which the transfer destination data entered by the customer is inserted.
The transaction card 10 is written on the magnetic stripe 12 on the back side of the card, and the transaction card 10 is ejected by the ejection means 6 and returned to the customer.

[0010] When making a transfer again to the transfer destination written on the magnetic stripe 12 on the back side of the transaction card 10,
After inserting the transaction card 10, the transfer data reading means 3
The transfer data written on the magnetic stripe 12 on the back side of the transaction card 10 is read by the display means 7, and the transfer data is displayed on the display means 7, and the customer performs the cash transfer process if the transfer destination is correct. If it is different, the customer uses the input means 8 to input the transfer destination data while looking at the display means 7, and performs the cash transfer process. If you wish to save the transfer data you just entered for future use, write the transfer data to the magnetic stripe 12 on the back side of the transaction card 10 using the transfer data writing means 4, and then
The transaction card is released by the release means 6 and returned to the customer. The control means 1 performs all of the above controls.

[0011] If you wish to transfer money to the same bank account next time,
By using a transaction card in which the same transfer data is written on the magnetic stripe 12 on the back side of the transaction card 10, transfer processing can be easily performed without newly inputting transfer destination data.

0012

[Effects of the Invention] As explained above, the present invention allows transfer transactions to be performed with a single transaction card used for deposits, withdrawals, and balance inquiries, so the housing can be reduced by integrating the transfer unit and the card unit. This has the effect of reducing operational costs by eliminating paper cards for transfers.

[Brief explanation of drawings]

FIG. 1 is a block diagram of an automatic teller machine showing one embodiment of the present invention.

FIG. 2 is a plan view showing an example of the transaction card in FIG. 1;

[Explanation of symbols]

1 Control means 2 Transaction data reading means 3 Transfer data reading means 4 Transfer data writing means 5 Inhalation means 6. Release means 7 Display means 8 Input means 10 Transaction card 11 Magnetic stripe

Claims (3)

[Claims] 1. A data reading means for reading transaction data and transfer data on a magnetic stripe of a transaction card, a transfer data writing means for writing transfer data on the magnetic stripe of the transaction card, and an inhalation means for inhaling the transaction card. A transfer method comprising: a discharging means for discharging the transaction card; an output means for displaying operation guidance to the customer; and an input means for the customer to input transfer destination data. 2. The transfer method according to claim 1, wherein the transaction card has the transaction data on the front side of the magnetic stripe and the transfer data on the back side. 3. The data reading means comprises a transaction data reading means for reading the transaction data on the front side of the magnetic stripe, and a transfer data reading means for reading the transfer data on the back side of the magnetic stripe, and the transfer data writing means 3. The transfer method according to claim 1, wherein the means writes the transfer destination data on the back side of the magnetic stripe.