JPH10334158A - Transfer transaction system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To prevent a transaction with a different transfer destination account or the like when the branch office of a transfer destination is closed and integrated at the time of transfer by displaying the message of that effect and the confirmation information of the transfer destination on a confirmation screen, making them be confirmed and performing the transfer. SOLUTION: An automatic machine 1 which is a terminal informs a host 4 through a channel 3 corresponding to the input of the branch office name of the transfer destination, an account number and a recipient name from a customer. At the time, only when the branch office of the transfer destination is closed and integrated, display is performed on a screen 2 corresponding to the informing of the fact of the closure and integration of the branch office name of the transfer destination and the recipient name of the transfer destination informed from the host 4. Then, corresponding to the input of confirmation OK from the customer, the host 4 is informed of that effect and the transfer is performed to the account number of the branch office name of the transfer destination. Also, the fact of the closure and the integration in the case that the branch office name of the transfer destination is registered in a closure and integration table 6 and the recipient name of the transfer destination by referring to a customer information table 5 are returned to the terminal and displayed and the transfer is performed to the account number of the branch office name of the transfer destination corresponding to the informing of the confirmation OK.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a transfer transaction system for performing a transfer transaction.

[0002]

2. Description of the Related Art Conventionally, when performing a transfer using an automatic machine,
The customer can see the name of the branch, account number, recipient name,
A transfer operation of inputting a transfer amount and the like and inputting a bill corresponding to the transfer amount has been performed. At this time, in order to prevent erroneous transactions, the transfer destination account information and the transfer content information are displayed, and the user is requested to confirm the processing contents (for example, S2 in FIG. 2B).

[0003]

However, the conventional confirmation screen (for example, S2 in FIG. 2B) displays the transfer destination information and the transfer content information (such as the transfer amount) together with the user. Has a problem that it is easy to overlook the display of the transfer destination information. On the other hand, when a branch of a bank or the like is consolidated, the account information of the consolidation source generally changes not only the branch number but also the account number.

[0004] Therefore, when the transfer destination branch of the user is consolidated or abolished, there are the following problems. In other words, if the user misunderstands that only the transferee branch number has been changed due to the consolidation of the transferee branch and that the transferee account number has not been changed, and the transfer process is performed, the conventional confirmation screen However, since the transfer destination information is displayed together with other information, there is a problem that the user overlooks the display of the transfer destination information.

Therefore, in order to solve this problem, the present invention displays a confirmation of the transfer destination information in addition to the conventional confirmation screen when the transfer destination branch is integrated or abolished at the time of transfer. The purpose is to prevent transactions.

[0006]

Means for solving the problem will be described with reference to FIG. Here, a program is loaded from a storage medium (not shown) to a main storage (not shown) and activated, and the following processing is performed.

In FIG. 1, an automatic machine 1 is a terminal for conducting a transfer transaction from a customer. The screen 2 is used to enter the branch name (or store number) of the transfer destination, the account number, the name of the payee, etc., and to display the merger and abolition of the branch name (or store number) of the transfer destination and the payee name of the transfer destination. And so on.

The line 3 is a line connecting the automatic machine 1 and the host 4. The host 4 generally manages the transfer transaction. Here, the host 4 totally manages the transfer transaction with reference to the customer information table 5, the integration table 6, and the like.

The customer information table 5 includes a store number for each customer,
The account number, balance, etc. are registered. The consolidation table 6 is used to register an old branch name (or store number) and a new branch name (or store number) in association with each other.

Next, the operation will be described. The automatic machine 1 as a terminal notifies the host 4 via the line 3 in response to the customer's input of the branch name (or store number), account number and recipient name of the transfer destination, and the transfer destination branch is integrated. Is displayed on the screen 2 in response to the notification of the consolidation of the branch name (or store number) of the transfer destination notified by the host 4 and the name of the recipient of the transfer destination only when the host 4 notifies the user of the confirmation. In response to the input, the host 4 is notified of the fact and transferred to the account number of the branch name (or store number) of the transfer destination.

In addition, the host 4 responds to the notification of the name of the branch, the account number, and the name of the payee via the line 3 from the automatic machine 1 as a terminal. In the case where the registration number has been registered, the name of the transferee is returned to the terminal with reference to the merger and abolition and the customer information table 5 to be displayed, and in response to the confirmation OK notification, the name of the transferee branch (or If the branch name (or store number) of the transfer destination is not registered in the integration table 6, the account of the branch name (or store number) of the transfer destination I try to transfer the number to the account.

[0012] Therefore, when the transfer destination branch is merged and integrated at the time of transfer, a message to that effect and the transfer destination confirmation information are displayed on the confirmation screen to urge confirmation of the recipient, etc.
By performing the transfer at the time of K, the name of the recipient of the consolidated account is displayed on the confirmation screen to ensure the confirmation, and it is possible to prevent a transfer destination account difference transaction or the like.

[0013]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Next, embodiments and operations of the present invention will be sequentially described in detail with reference to FIGS.

FIG. 2 shows an explanatory diagram of the present invention. this is,
The operation of the configuration of FIG. 1 will be described in detail. FIG.
Shows an explanatory diagram of the present invention.

FIG. 2A shows an example of a store number and an account number when a branch of a financial institution is consolidated. (A) of FIG.
-1) shows an example of a branch, a store number, an account number, and a holder whose store has been abolished. Here, the following is illustrated.

Branch: Branch A: Store number: 123 Account number: 1234567 Nominee: A FIG. 2A-2 shows an example of store integration. here,
With the abolition of the store in (a-1) of FIG. 2, a new store number and account number that have been transferred are issued as shown below.

・ Branch: Branch B ・ Store number: 111 ・ Account number: 7654421 ・ Name: A As shown in the figure, the same as the account number “1234567” of the discontinued store “A branch” The account number is integrated in the store "B-branch" with another holder "I".

Next, using (a-1) and (a-2) in FIG. 2, the operation when Z transfers to the old branch A will be described.
This will be described in detail with reference to FIG. FIG. 2 (b)
Shows a flowchart for explaining the operation of the present invention.

In FIG. 2B, S1 sends and receives a transfer inquiry message. In step S2, a transfer content confirmation screen is displayed. In these steps S1 and S2, the automatic machine 1 shown in FIG. 1 transmits and receives data to and from the host 4 via the line 3 in response to the input from the customer Z, and displays a transfer confirmation screen shown below in the figure.

・ Transfer destination: XXX × Bank ・ Branch: Branch B ・ Account number: Normal 1234567 ・ Recipient name: A ・ Transfer amount: 2,000,000 yen ・ Transfer fee: 515 yen ・ Contact address: 03 -123-4567 Here, the customer Z is abolished in (a-1) of FIG. 2. ・ Branch: A branch ・ Account number: Normal 1234567 ・ Recipient name: A Since the branch has been abolished and integrated into branch B, the transfer contents confirmation screen when the branch A is changed to the branch B and the account number “ordinary 1234567” and the recipient name “a” are input as they are is shown.

In step S3, a confirmation key is pressed. This is S
Customer Z who sees the transfer content confirmation screen 2 presses the confirmation button. In S4, it is determined whether or not the store is abolished. This is S
In response to the pressing of the confirmation key (confirmation button) 3, the automatic machine 1 transmits the contents of the transfer contents confirmation screen of S 2 to the host 4 via the line 3, and the host 4 stores the contents in the contents. Based on the number, it is determined whether or not the branch has been registered as a consolidated branch by referring to a consolidated table 6 shown in FIG. Here, since the branch B (store number 111) has been registered, the answer is YES and the process proceeds to S5. On the other hand, in the case of NO, the process proceeds to S7.

At S5, since the branch of the transfer destination has been found to be the unified branch, the name of the recipient of the branch and account number is referred to by referring to the customer information table 5 of FIG. 3, for example, as shown in FIG. "I" is taken out, transmitted to the automatic machine 1 and displayed on the screen 2 as shown below.

Message: Notifies that the recipient's store has been transferred and integrated. -Recipient name: A As described in S2, since the transfer was scheduled to be made to "A" of the branch A before the integration, the recipient name was not displayed "A." Then, a cancel button is pressed and a transfer input is performed from the beginning. And S
On the transfer confirmation screen of No.2, the ordinary account number of the B branch 76543
21 after confirming that the recipient "A" is displayed on the recipient confirmation screen in S5, and pressing the confirmation button to transmit and receive the transfer request message in S7 and to confirm the host 4
And a series of transfer processing is completed.

As described above, in addition to the transfer content confirmation screen of S2, the branch of the transfer destination is determined by the unification table 6 in FIG.
When it is determined that the branch has been registered and consolidated, the payee name is automatically transmitted with reference to the customer information table 5 in FIG. 3A, and the received payee name is displayed on the payee name confirmation screen in S5. The fact that the branch of a person has been merged and the name of the recipient are displayed to prompt confirmation, and the transfer process is executed when OK is completed, makes it possible to eliminate a mistake in the transfer when the branch is merged.

FIG. 3 shows an example of a table according to the present invention. FIG.
(A) shows an example of a customer information table. In the customer information table 5, the following items shown in the figure are registered in association with the store number and the account number.

Store number: Account number: Nominee: Balance: Other: FIG. 3B shows an example of a consolidation table. The consolidation table 6 registers an old store number, a new store number, and the presence / absence of consolidation, and registers the following items shown in association with each other.

・ Old store number: ・ New store number: ・ Consolidation status: ・ Other

[0028]

As described above, according to the present invention,
A message is displayed on the confirmation screen and the confirmation information of the transfer destination is displayed on the confirmation screen when the transfer destination branch has been consolidated or abolished at the time of transfer, prompting confirmation of the recipient, etc. Therefore, the name of the recipient of the consolidated account is displayed on the confirmation screen to make sure the confirmation, and it is possible to prevent a transfer destination account difference transaction or the like.

[Brief description of the drawings]

FIG. 1 is a system configuration diagram of the present invention.

FIG. 2 is an explanatory diagram of the present invention.

FIG. 3 is an example of a table according to the present invention.

[Explanation of symbols]

 1: Automatic machine (terminal) 2: Screen 3: Line 4: Host 5: Customer information table 6: Consolidation table

Claims (3)

[Claims] Claims 1. A transfer transaction system for displaying a transfer destination account information and transfer content information confirmation screen input by a user and performing a transfer transaction when a confirmation input is received, wherein the account information is integrated and abolished. Storage means for storing information as to whether or not the transfer destination account information is stored in the storage means, and a transmission means for transmitting a confirmation screen for the transfer destination account information separately from the confirmation screen And a transfer means for performing a transfer process based on the transfer destination account information and the transfer content information when the confirmation information is received from the confirmation screen. 2. The account information of the storage means is store information,
2. The transfer transaction system according to claim 1, wherein the transmission unit performs the processing when the store number in the input transfer destination account information is in the storage unit. 3. A recording medium on which a confirmation screen for inputting transfer destination account information and transfer content information is displayed and in which a program for performing the transfer transaction is received when a confirmation input is received, wherein: When the destination account information includes the consolidated information, separately from the confirmation screen, a function of transmitting a confirmation screen of the transfer destination account information, and when the confirmation information is received by the confirmation screen, the transfer destination account information and A recording medium on which a program for causing a computer to perform a transfer process based on the transfer content information is recorded.