JPH0934962A - Automatic cash transaction system with corporate transaction function - Google Patents

Abstract

(57) [Summary] [Purpose] An automated cash transaction system that does not require you to bring special equipment such as a business trip travel expense adjustment device, and is also available when you suddenly need cash at a business trip destination. To provide. [Structure] In addition to a personal magnetic card for identifying an individual, a corporate magnetic card for identifying a corporation is set, and when the terminal device is used as a normal and general automated teller machine, When you use it as a means to execute automatic transactions with a magnetic card and as a corporate transaction device, you can directly enter the account of the contracted corporation by using the corporate magnetic card and entering the PIN number of the corporate account. An automatic cash transaction system with a corporate transaction function, which is configured to have means for executing cash deposit / withdrawal or transfer transaction to an individual's account by connecting and inputting data.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention uses an automatic teller machine with a corporate transaction function, that is, for example, a personal magnetic card for identifying an individual and a corporate magnetic card for identifying a corporate, and is used for business trips. A corporation that uses an automatic transaction device such as an automated teller machine or a dedicated terminal that enables you to directly connect to a corporate account and settle travel expenses by using the corporate magnetic card even from a remote place of business trip. The present invention relates to an automatic cash transaction system with a transaction function.

[0002]

2. Description of the Related Art Conventionally, when travel expenses are settled for business travel expenses, a method of filling out a travel expense payment sheet after the end of a business trip and making payment is widely used. Further, as a method of not using a travel expense settlement sheet (paperless), for example, as disclosed in JP-A 1-214972,
You can input data to the travel expense adjustment device you are carrying during your business trip, and after the business trip, simply submit the above-mentioned travel expense adjustment device to complete the travel expense adjustment, As disclosed in Japanese Patent No. 232470, when data is appropriately input to the travel expense adjustment device during a business trip, the charge is determined by the charge determining device from the data, and after the business trip, simply submit the above-mentioned travel expense adjustment device. A method is known for completing business trip travel expense settlement.

[0003]

In the above-mentioned prior art, there is a problem that a business traveler has to carry a business trip travel expense calculator when he / she goes on a business trip. In addition, there is also a problem that it is impossible to deal with a case where cash is suddenly needed at a business trip destination because the travel expense settlement cannot be completed unless the business trip ends. The present invention has been made in view of the above circumstances, and an object thereof is to solve the above-mentioned problems in the conventional technology, and it is not necessary to bring a special device such as the above-mentioned business trip travel expense adjuster, Another object of the present invention is to provide an automatic cash transaction system capable of responding to a sudden need for cash at a business trip destination.
More specifically, by applying the above-mentioned automatic cash transaction system, you can bring a corporate magnetic card or a personal magnetic card with corporate information added when you are on a business trip, An object of the present invention is to provide an automatic cash transaction system capable of performing travel expense settlement with an automatic transaction device and a dedicated terminal, and depositing and withdrawing cash or transferring it to a business traveler's own account as needed.

[0004]

The above object of the present invention is to provide an automatic cash transaction using a terminal device which has an input device and a display device, is connected to a host station, and executes a plurality of types of transactions by an operator's operation. In the system, a corporate magnetic card for identifying a corporation is set in addition to a personal magnetic card for identifying an individual, and when the terminal device is used as a normal and general automated teller machine, , A method of executing automatic transactions with a personal magnetic card and a corporation that directly contracts by using the corporate magnetic card when using it as a corporate transaction device and by entering the personal identification number of the corporate account. It has a means for executing cash deposit / withdrawal or transfer transaction to an individual's account by connecting to an account of It is achieved.

[0005]

In the automatic cash transaction system with a corporate transaction function (hereinafter, simply referred to as "automatic transaction system") according to the present invention, in an automatic cash transaction apparatus such as an automatic teller machine,
Set a personal magnetic card that identifies an individual and a corporate magnetic card that identifies a corporation, or add corporate information to a personal magnetic card that an individual already has. , By using a corporate magnetic card (or the above corporate information), you can directly connect to a corporate account and determine the fare by simply entering the transportation method used during the business trip. It is also configured so that travel expenses can be settled even from the beginning, and cash can be received or business trip travel expenses can be transferred to the account of the business traveler himself.

That is, in the automatic transaction device of the automatic transaction system according to the present invention, a personal magnetic card and a corporate magnetic card are set in advance, and when the personal magnetic card is used, it is connected to a personal account. , Which functions as a normal cash machine, and when using a corporate magnetic card,
Since you can connect directly to a corporate account, if you suddenly need cash while on a business trip, you will have the function of paying travel expenses just by entering the data of the transportation method used, and if necessary, You can deposit and withdraw cash and transfer it to your own account. When corporate information is added to a personal magnetic card already owned by a business traveler, one card can be used for both normal transactions and travel expense reimbursement. In the travel expense settlement function, a business traveler uses a corporate magnetic card at a business trip destination and inputs data on the means of transportation used at the time of business trip to use a rate determination table that directly determines the rate from the input data. You can then settle your travel expenses, connect directly to your corporate account, and make cash deposits and withdrawals or transfers to individual travellers' accounts as needed.

[0007]

Embodiments of the present invention will be described below in detail with reference to the drawings. FIG. 2 is an online system (hereinafter simply referred to as “system (Also referred to as ``).
In the figure, 1 is a center-side terminal, and 13 is a business trip destination terminal such as an automatic teller machine or a dedicated terminal. The center-side terminal 1 described above is composed of a storage device 2, a control device 5, and a communication device 6 which store a corporate account 3 and a personal account 4. Further, the business trip destination terminal 13 described above includes a communication device 7, a control device 8, a main storage unit 9, a card reader 10, a display device 11, an input device 12, and the like.

FIG. 5 is an external perspective view of the automated teller machine, which is the business trip destination terminal 13 shown in FIG. In the figure, 28 is an automatic teller machine body, 29 is a display window, 30 is a card return port, 31 is a card insertion port, 32 is a cash deposit / withdrawal port, and 33 is a keyboard. FIG. 3 shows a corporate account and a corporate magnetic card used in the system according to this embodiment. In the figure, 14 indicates a corporate account,
Reference numerals 15 to 18 denote magnetic cards for corporations corresponding to the accounts for corporations. Here, it is assumed that a plurality of corporate magnetic cards can be set for one corporate account.

FIG. 4 shows the above-mentioned corporate magnetic cards 15-1.
8 shows an example of the format of the data in 8, wherein 19 is the above-mentioned corporate magnetic card, 20 is the corporate account number, 21 is the personal identification number for the corporate magnetic card, and 22
Is the name of the individual who is permitted to use the respective corporate magnetic card, 23 is the personal identification number of the individual who is permitted to use, 24 is the name of the individual A who is permitted to use, 25
Is the name of the individual N who is permitted to use, 26 is the personal identification number of the individual A, and 27 is the personal identification number of the individual N. The operation of this embodiment configured as described above will be described below with reference to the flowchart of FIG.

FIG. 1 is a flowchart showing an example of a processing procedure when the system according to this embodiment is applied to an automatic teller machine of an online system. First, an embodiment in the case of using an automatic teller machine (hereinafter, also referred to as “apparatus”) will be described with reference to FIGS. 1 and 3 to 5. Business travelers
The corporate magnetic card 19 has a predetermined insertion port 31 shown in FIG.
When inserted into the card (step 1), the card reader 10 reads the card information (step 2). The card information read here is the corporate account number 20 and the corporate personal identification number 21 in FIG. Based on this information, the device judges whether the card is for personal use or for corporate use (step 3), and if the card information is not for corporate use, displays the personal identification number input instruction screen. In this case, when the operator (traveler) inputs the personal identification number (step 14), the operator is connected to the personal account 4 (step 15) and the normal automatic transaction is performed (step 16). .

Further, by the judgment in the above step 3,
When the inserted card is the corporate magnetic card 19, the input instruction screen of the personal identification number (21) of the card is displayed, and when the personal identification number is input (step 4), symbols 22 to 22 in FIG. The corporate information indicated by 27 is read (step 5), and the corporate account 3 is connected (step 6). Next, the operator inputs personal information such as a personal identification number (step 7), and further inputs data such as transportation means for travel expense settlement (step 8). The device determines travel expenses based on that data
(Step 9), travel expense settlement processing is performed (Step 10).

Here, the operator (business traveler) can determine whether to withdraw cash or transfer it to the business traveler's own account as needed (step 11). Here, when the transfer to the personal account is selected, the data of the personal account can be input and the transfer can be made (step 12). When selecting cash withdrawal, cash can be obtained on the spot (step 13). For the travel expense reimbursement in step 10 described above, for example, a fare determination table indicating the correspondence between the type of transportation used, the section, etc. and the transportation expense is prepared, and the table is calculated from the data input in step 8. It can be realized by pulling.

According to the above-described embodiment, a function for executing a normal automatic transaction using a personal magnetic card and a corporate magnetic card are used to directly connect to an account of a contracting corporation to make cash deposit / withdrawal. Or by configuring to have a transfer transaction function to an individual's account, travel expenses can be settled even from a business trip destination through a fee determination table that determines the fee only by inputting the transportation method used at the time of business trip, cash It is possible to receive the payment or to transfer the travel expenses to the own account of the business traveler, and it is possible to obtain the effect that the travel expenses can be quickly settled.

In the above embodiment, the operation example in which the system according to the present embodiment is applied to an automatic teller machine of an online system has been described. However, the system according to the present embodiment is used for travel expense settlement. An operation example when applied to a dedicated terminal is substantially the same as this. Further, the above-described embodiment shows an example of the present invention, and it is needless to say that the present invention is not limited to this. For example, as mentioned above, add the corporate information to the personal magnetic card that you already have, and change the personal identification number so that you can connect to your personal account and corporate account with one magnetic card. Is possible.

[0015]

As described above in detail, according to the present invention, it is not necessary to bring a special device such as a business trip travel expense adjustment device, and when cash is suddenly needed at a business trip destination, etc. It has a remarkable effect that it can realize an automatic cash transaction system that is also applicable to. More specifically, by presetting a personal magnetic card and a corporate magnetic card that can be used with an automated teller machine or a dedicated terminal, or by having a personal magnetic card that you already have with corporate information, Business travelers can bring one corporate magnetic card with them when they travel, and they can settle their travel expenses by simply entering the data of the means of transportation that they have used directly from the business trip destination, even if the business trip has not ended or returned to work. . This makes it possible to deal with the case where cash is suddenly needed at a business trip destination. After the settlement, you can choose to receive cash on the spot or transfer it to your personal account.

[Brief description of drawings]

FIG. 1 is a flowchart showing an example of a processing procedure when a system according to an embodiment of the present invention is applied to an automated teller machine of an online system.

FIG. 2 is a diagram showing an online system configuration of an automatic teller machine and its center-side terminal according to an embodiment.

FIG. 3 is an explanatory diagram of a corporate account and a magnetic card for the corporate.

FIG. 4 is a diagram showing a disk format in a corporate magnetic card.

FIG. 5 is a perspective view of the automatic teller machine according to the embodiment.

[Explanation of symbols]

 1 Center-side terminal 2 Storage device 3 Corporate account 4 Personal account 5 Control device 6,7 Communication device 8 Control device 9 Main storage unit 10 Card reader 11 Display device 12 Input device 13 Business trip destination terminal 14 Corporate account 15-19 Corporate magnetic card 20 Card account number 21 Card PIN 22 License name 23 Card PIN 28 Cash dispenser 29 Display window 30 Card return 31 Card slot 32 Cash slot 33 Keyboard

Claims (1)

[Claims] 1. A cash automatic transaction system, which has an input device and a display device, is connected to a host station, and uses a terminal device for executing a plurality of types of transactions by the operation of an operator. In addition to the magnetic card, a corporate magnetic card for identifying a corporation is set, and when the terminal device is used as a normal and general automatic teller machine, an automatic transaction using a personal magnetic card is executed. By directly connecting to the account of the contracted corporation and entering the data, by using the means and the corporate magnetic card when using it as a corporate transaction device and entering the personal identification number of the corporate account And an automatic cash transaction system with a corporate transaction function, which has means for executing cash deposit / withdrawal or transfer transaction to an individual's account.