JPH10326316A - Automatic transfer system - Google Patents

Abstract

(57) [Summary] [Problem] To provide an automatic transfer system that allows a transfer to be reserved. SOLUTION: An automatic transaction apparatus 1 displays on an operation screen section 3 a prompt to select one of an immediate transfer and a reservation transfer, and when the reservation transfer is selected, an operation screen to input a transfer execution date. When the transfer execution date is displayed on the unit 3 and the transfer execution date is input, the transfer information including the transfer execution date is generated based on the customer's operation, and the higher-level device 11 generates a transfer reservation data file having a storage area classified by date. It is determined whether or not a transfer execution date exists in the transfer information, and when the existence of the transfer execution date is recognized, the transfer information is stored as transfer reservation data in a storage area on the same date as the transfer execution date. Then, it is determined whether or not the transfer reservation data is stored in the storage area on the same date as the current day. If the transfer reservation data is stored in the storage area, the reservation transfer processing is performed based on the transfer reservation data. Execute

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to the processing of a transfer operation in an automatic transaction apparatus installed in a financial institution or the like.

[0002]

2. Description of the Related Art Generally, there are two kinds of transfer processing in a conventional automatic transaction apparatus: a method of directly depositing an amount required for transfer on the spot, and a method of transferring money from a self-account to a counterparty account. In any case, at the stage where the user performs an operation and receives the transfer request, the transfer is immediately performed.

[0003]

However, in the above-mentioned conventional method, there is no problem in the case where the user directly prepares the cash to be transferred. If the balance required for transfer to your account does not exist at the time of the operation,
Since the transfer was not accepted, there was a problem that the user could not make a request at any time and was limited in terms of time.

[0004] In addition, when performing a transfer operation when the user forgets that the balance required for the transfer does not exist in his or her account, the operation performed up to that point is wasted. There was a problem.

[0005] From such a viewpoint, it has been desired to realize a convenient and easy-to-operate system in which a transfer request can be made at any time without being bothered by the user.

[0006]

According to the present invention, there is provided an automatic transfer system, wherein a display unit displays on the display unit that one of an immediate transfer and a reservation transfer is to be selected, and when a reservation transfer is selected. A screen control unit that displays the input of the transfer execution date on the display unit, and a transfer information generation unit that generates transfer information including the transfer execution date based on a customer operation when the transfer execution date is input. Automatic transaction device having, a storage unit having a storage area classified by date, determine whether the transfer execution date exists in the transfer information from the automatic transaction device, when recognizing the existence of the transfer execution date, A transfer reservation management unit that stores the transfer information as transfer reservation data in a storage area on the same date as the transfer execution date; and determines whether the transfer reservation data is stored in a storage area on the same date as the transfer date. When transfer reservation data in the storage area is stored is composed of an upper apparatus with reservation transfer processing section for executing transfer processing based on the transfer reservation data.

In the present invention, when, for example, a transfer card is inserted into the automatic transaction apparatus, the screen control section displays on the display section that either the immediate transfer or the reservation transfer is to be selected. When the reservation transfer is selected, the fact that the transfer execution date has been entered is displayed on the display unit. When the transfer execution date is input according to the instruction, the transfer information generation unit generates the transfer information based on the customer operation including the transfer execution date.

On the other hand, when the transfer information is received by the higher-level device, the transfer reservation management unit determines whether the received transfer information includes a transfer execution date, and recognizes that the transfer execution date exists. Stores the transfer information as transfer reservation data in a storage area on the same date as the execution date. The reservation transfer processing unit determines whether the transfer reservation data is stored in the storage area on the same date as the current day, and when the transfer reservation data is stored in the storage area, performs the transfer processing based on the transfer reservation data. Run.

[0009]

BEST MODE FOR CARRYING OUT THE INVENTION

Embodiment 1 FIG. FIG. 1 is a block diagram showing a first embodiment of the present invention, and FIG. 2 is an example of a format of transfer information according to the first embodiment. In the figure, reference numeral 1 denotes an automatic transaction device, a card reader unit 2 for reading information written on a cash card, a transfer card, etc., an operation screen unit 3 capable of touch input, a banknote and coin depositing / dispensing unit 4, and bookkeeping in a passbook. And a passbook entry section 5 for the user.

Reference numeral 6 denotes a main control unit which controls each unit in accordance with an operation of the card insertion, the operation screen unit 3 and the like. The main control unit 6 includes a screen control unit 7 and a transfer information generation unit 8 according to the present invention. Is displayed on the operation screen unit 3 to prompt the user to select either the immediate transfer or the reservation transfer, and when the reservation transfer is selected, the operation screen unit indicates that the transfer execution date is to be input. When the transfer execution date is input, the transfer information including the transfer execution date is generated based on the operation on the operation screen unit 3 and transmitted from the communication control unit 9 to the higher-level device 11 via a communication line. I do. The transfer information,
For example, the data is written in a format as shown in FIG. 2, and the date specified by the customer is written in the field of the transfer execution date only at the time of reservation transfer.

Reference numeral 11 denotes a higher-level device comprising, for example, a host computer, which comprises a transfer reservation management section 12 and a reservation transfer processing section 13 according to the present invention, and processes financial-related operations based on information from the automatic transaction apparatus 1. When the transfer information is received, it is determined whether or not the transfer execution date exists in the transfer information. When the transfer execution date does not exist, the normal transfer process is performed, but when the transfer execution date is recognized. Stores the transfer information in the transfer reservation data file 15 on the storage device 14 as the transfer reservation data. In the transfer reservation data file 15, storage areas are classified by date, and the transfer execution date in the received transfer information is stored as a key in the corresponding storage area.

When the online transaction with the automatic transaction apparatus 1 is completed, the host apparatus 11 accesses the reservation transfer batch program stored in the storage device 14 and stores the transfer reservation data in the storage area on the same date as the current day. Is determined, and when the transfer reservation data is stored in the storage area, a reservation transfer process is executed based on the transfer reservation data.

Next, the operation will be described with reference to the flowcharts of FIGS. 3, 4, and 5. FIG. 3 is a flowchart showing the operation of the automatic transaction apparatus according to the first embodiment.
FIG. 5 is a flowchart showing the operation of the host device in the first embodiment. When the insertion of the transfer card is confirmed after the cash card (S1, S2), the immediate transfer and the reservation transfer are displayed on the operation screen unit 3, and an instruction to select one of them is issued (S3, S4). When the immediate transfer is selected by this instruction, input of the transfer amount is requested (S6), and when the transfer amount is input, the information of the payee and the client written on the transfer card is read to generate the transfer information. (S7, S8), and sends it to the host device 11.
When the reservation transfer is selected, an input of the transfer execution date is requested through the operation screen unit 3 (S5), and when the transfer execution date is input, the input of the transfer amount is requested in the same manner as the immediate transfer (S5).
6) When the transfer amount is input, transfer information is generated based on the information written on the transfer card (S7, S7).
8) Transmit to upper device 11.

On the other hand, when the transfer information is received via the communication line (S11), the higher-level device determines whether or not a transfer execution date exists in the transfer information (S12). Executes the transfer processing based on the transfer information (S14), and transmits the processing result to the automatic transaction apparatus (S15). When the existence of the transfer date is recognized,
The transfer information is stored as transfer reservation data in the storage area of the same date as the transfer execution date provided in the transfer reservation data file 15 (S13), and the fact is transmitted to the automatic transaction apparatus (S15).

When the online transaction with the automatic transaction apparatus 1 is completed, the reservation transfer batch program stored in the storage device 14 is accessed to start the reservation transfer batch process. First, it is determined whether or not the transfer reservation data is stored in the storage area on the same date as the current day (S21). If the transfer reservation data is not stored in the storage area on the same date, the process is terminated. When the transfer reservation data is stored, the transfer reservation data is extracted and executed one by one (S2).
2) When the transfer reservation data ends, this operation ends (S23).

As described above, it is possible to select the immediate transfer or the reservation transfer for the transfer, and when the reservation transfer is selected, the transfer execution date is input, and the transfer processing is performed on that day. If you know the day that the required amount will be fulfilled even if the required amount does not remain in your account as a balance, it is possible to make a reservation only so that it will be transferred after that date, so the user is limited by the period This is convenient because you can request a transfer at any time without having to stop by the bank.

Further, in the conventional method, the number of customers who make a transfer on a crowded day every month, for example, a payday, is often concentrated and often becomes a busy day for a bank. However, this system can also solve the busy day. There is also an effect.

Embodiment 2 FIG. FIG. 6 is a block diagram showing a second embodiment of the present invention. In addition, the first described with reference to FIG.
The same reference numerals are given to the same or corresponding parts as in the embodiment, and the description is omitted. The main controller 6 of the automatic transaction apparatus 1 according to the present embodiment includes the screen controller 7 and the transfer information generator 8 described above.
When the higher-level device 11 responds that the transfer amount due to the customer's immediate transfer is not in the account, a request to select whether to switch the immediate transfer to the reservation transfer is displayed on the operation screen unit 3. And a unit 21. When the transfer is switched to the reservation transfer, the transfer information generating unit 8 displays the input of the transfer execution date on the operation screen unit 3 and, when the transfer execution date is input, the transfer generated at the time of the immediate transfer. The transfer execution date is added to the information.

Next, the operation will be described with reference to the flowchart of FIG. FIG. 7 is a flowchart showing the operation of the automatic transaction device according to the second embodiment. The operations in steps 31 to 38 are the same as those in the flowchart shown in FIG. When the transfer information generated by the transfer information generation unit 8 of the main control unit 6 is transmitted from the communication control unit 9 to the host device 11, the main control unit 6
Determines whether or not a response of insufficient balance has been received from the higher-level device when the transfer information by immediate transfer has been transmitted (S3).
9). This determination is made when the response is not received, or when the reservation transfer is not performed, the transfer request processing is terminated, but when the notification of the balance shortage is received from the higher-level device, the reservation transfer switching unit 21 A message to select whether to switch the immediate transfer to the reserved transfer is displayed on the operation screen unit 3 (S4).
0). Here, when the cancellation is selected, the transfer request is terminated, but when the reserved transfer is selected, the transfer information generation unit 8 displays an input request of the transfer execution date on the operation screen unit 3 (S41, S42) When the transfer execution date is input, the transfer execution date is added to the transfer information generated at the time of the immediate transfer (S43). Then, the transfer information is transmitted from the communication control unit 9 again. As described above, the higher-level device 11 stores the transfer execution date in a predetermined storage area using the transfer execution date as a key, and executes the reservation transfer process on that day.

As described above, when a shortage of funds is notified from the host device when an immediate transfer is performed, the operation can be immediately switched to the reservation transfer without restarting the operation, thereby improving operability. There is an effect of doing.

[0021]

As described above, according to the present invention, it is possible to select an immediate transfer or a reservation transfer for a transfer, and when the reservation transfer is selected, input a transfer execution date;
Since the transfer process is performed on that day, if you know the day that the required amount will be satisfied even if the required amount does not remain in your account as a balance, you can only make a reservation so that it will be transferred after that date Possible, and therefore,
It is convenient for the user, who can request a transfer at any time at the bank without being restricted by the period.

[Brief description of the drawings]

FIG. 1 is a block diagram showing a first embodiment of the present invention.

FIG. 2 is an example of a format of transfer information according to the first embodiment.

FIG. 3 is a flowchart illustrating an operation of the automatic transaction apparatus according to the first embodiment.

FIG. 4 is a flowchart illustrating an operation of a host device according to the first embodiment.

FIG. 5 is a flowchart illustrating an operation of a higher-level device according to the first embodiment.

FIG. 6 is a block diagram showing a second embodiment of the present invention.

FIG. 7 is a flowchart showing an operation of the automatic transaction apparatus according to the second embodiment.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Automatic transaction device 3 Operation screen part 6 Main control part 11 Host device 14 Storage device

Claims (2)

[Claims] 1. An automatic transfer system comprising: an automatic transaction device that transmits transfer information generated based on a customer operation; and a higher-level device that receives the transfer information from the automatic transaction device via a communication line. The automatic transaction device displays a display unit and a message on the display unit that prompts the user to select one of an immediate transfer and a reservation transfer, and when the reservation transfer is selected, indicates that the transfer execution date is input. A screen control unit to be displayed on a display unit, and a transfer information generating unit that generates transfer information including the transfer execution date based on a customer operation when a transfer execution date is input; A storage unit having a separately classified storage area, and whether or not a transfer execution date exists in the transfer information from the automatic transaction apparatus, and when the existence of the transfer execution date is recognized, the same as the transfer execution date Date storage A transfer reservation management unit that stores the transfer information as transfer reservation data in an area, and determines whether the transfer reservation data is stored in a storage area on the same date as the current day, and the transfer reservation data is stored in the storage area. An automatic transfer system that includes a reservation transfer processing unit that executes a transfer process based on the transfer reservation data when the transfer is in operation. 2. The automatic transaction apparatus displays a message to select whether or not to switch the immediate transfer to a reservation transfer when a response from the host apparatus indicates that the transfer amount due to the immediate transfer is not in the customer account. 2. The automatic transfer system according to claim 1, further comprising a reservation transfer switching unit displayed on the unit.