JP5615208B2 - Multiple account deposit system and method - Google Patents

Description

  The present invention relates to a multiple account deposit system and method, and more particularly to a system and method for depositing a deposit received by an ATM (automated teller machine) into a plurality of accounts in a host computer of a financial institution.

  Currently, a plurality of financial institutions provide deposit services using deposit-only cash cards. For example, in a company with multiple retail stores, this deposit service collects the sales proceeds of each retail store, deposits them into an ATM, and collectively manages the sales proceeds through a deposit-dedicated account with a management account at the head office. The purpose is to do. Available ATMs include ATMs of financial institutions providing this deposit service, as well as partner ATMs of other financial institutions, and these ATMs are now installed in many convenience stores. In addition, ATMs installed at convenience stores and the like are often used 24 hours a day.

  According to this depositing service, for example, every time money is collected, it is possible to deposit at an ATM, so that it is possible to reduce the risk of cash handling such as loss or theft while moving. In addition, since a cash card dedicated to deposit can be issued for each deposit officer with a different cash card number, confirming the deposit details of the deposit dedicated account, using the cash card number as a key, It is possible to grasp the payment status. Furthermore, since the sales proceeds deposited in the deposit dedicated account are automatically transferred to the designated fund management account, funds can be collected efficiently.

  However, many ATMs installed at convenience stores do not have a coin slot. Therefore, there is a problem that it is difficult to make the same amount of the sales amount on the day and the actual deposit amount because it is impossible to deposit with coins and change cannot be obtained.

  The present invention has been made in view of such problems, and the purpose of the present invention is to deposit the same deposit amount as sales etc. using the partial deposit function of ATM. It is an object to provide a multi-account deposit system and method for depositing into a plurality of accounts.

  In order to achieve such an object, in a system according to an embodiment of the present invention, in an ATM, a means for notifying a host computer of account information of a first account read from a cash card, and a host computer, Means for notifying the ATM of the account information of the second and third accounts associated with the first account, referring to the account master storing the account information based on the notification received from the ATM; Display account information of the first and second accounts, the first deposit amount specified for the inserted banknote and the first account, and the second specified for the second account The first and second deposits are received from the total amount of the first deposit telegram including the first deposit amount, the second deposit telegram including the second deposit amount, and the banknote amount after receiving the deposit amount. Means for creating a third deposit message for the third account including the difference obtained by subtracting the first account and sending it to the host computer; and means for depositing the first to third deposit messages received from the ATM in the host computer It is characterized by comprising.

It is a block diagram which shows the structure of the system which concerns on one Embodiment of this invention. It is a functional block diagram of the system concerning one embodiment of the present invention. It is a figure which shows the account master which concerns on one Embodiment of this invention. It is a figure which shows the money_receiving | payment message based on one Embodiment of this invention. It is a processing flow figure of the system concerning one embodiment of the present invention. It is a conceptual diagram for demonstrating this invention.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. In addition, the same code | symbol represents the same thing in several drawing, and the repeated description is abbreviate | omitted.

FIG. 1 shows the configuration of a multiple account deposit system according to an embodiment of the present invention.
In a system according to an embodiment of the present invention, a plurality of ATMs 101 are connected to a financial institution system 105 via a network 103 so that they can communicate with each other. Although only three ATMs 101 are shown, in reality, many ATMs are installed in various places. The network 103 includes various networks, for example, an integrated ATM system that interconnects ATMs of financial institutions. The financial institution system 105 is generally composed of many computers connected to each other. Here, the host computer 107, an account master 109 for storing account information, etc., and transaction information including payment details. The transaction master 111 which memorize | stores is illustrated.

  Note that the ATM 101 and the host computer 107 are computers including a processing device (CPU), a memory, a storage device, and the like, and the processing device (CPU) processes the computer program stored in the memory or the storage device in an integrated manner. It is controlled, and the processing according to the present invention can be performed and its function can be realized. A database such as the account master 109 and the transaction master 111 is also mounted on an arbitrary computer in the financial institution system 105. Note that the above-described system configuration is for illustration, and does not limit the system configuration in which the present invention can be implemented.

Here, the account master 109 will be described with reference to FIG.
The account master 109 includes, as account information, information such as a branch name, a branch code, an item, an account number, and a name of a holder, a deposit-only flag, and a deposit account identifier. When the deposit-only flag is registered as “1”, this indicates that the account is a deposit-only account, and it is not possible to withdraw money from the account using a cashier card or the like. On the other hand, if the deposit-only flag is registered as “0”, it indicates that the account is not a deposit-only account but an account that can be withdrawn using a cash card or the like. The deposit account identifier is an identifier for identifying a plurality of accounts related to the account. The deposit account identifier will be described in more detail below.

  The account master 109 illustrated in FIG. 3 includes data records 301 to 305. An account indicated by the data record 301 (hereinafter referred to as an account 301. Each account indicated by the data records 302 to 305 is also indicated in the same manner) has a deposit-only flag “1” and a deposit account identifier “000001”. It is registered as. This indicates that the account 301 is a deposit-only account and there may be a plurality of related accounts. The account 302 indicated by the data record 302 is registered with a deposit-only flag “1” and a deposit account identifier “00001”. This indicates that the account 302 is a deposit-only account and is associated with an account 301 having the same deposit account identifier. Similarly to the account 302, the account 303 indicated by the data record 303 is a deposit-only account and is shown to be an account related to the account 301. The account 304 indicated by the data record 304 has the same deposit account identifier “00001” as the account 301, but the deposit-only flag is registered as “0”. This indicates that the account 304 is an account related to the account 301 but is not a deposit-only account. The account 304 having such a combination dedicated deposit flag and deposit account identifier is a change account provided only for one account 301. In addition, the account 305 indicated by the data record 305 has a deposit-only flag registered as “1”, but no deposit account identifier is registered. This indicates that account 305 is a deposit-only account but does not have an associated account.

  Next, each function provided in the ATM 101 and the financial institution system 105 of the system according to the embodiment of the present invention described above will be described. FIG. 2 shows functional blocks of a system according to an embodiment of the present invention. The ATM 101 has at least the same functions as those of a conventional ATM. For example, the ATM 101 includes a display unit for displaying operation guidance, operation content, an input unit such as an input key, a bill insertion slot, and the like. The details are not explained in the book. Therefore, they are not shown in FIGS. In the present invention, the ATM 101 may not have a coin slot.

  As shown in FIG. 2, the ATM 101 includes a card reading unit 201, a message creation unit 203, and a message transmission unit 205. The host computer 107 includes a notification verification unit 206, a message reception unit 207, a message verification unit 209, and A deposit processing unit 211 is provided.

  The card reading unit 201 reads a cash card inserted into the ATM 101 and acquires account information of an account stored in the cash card. Information read from the cash card is notified to the host computer 107. When the host computer 107 receives the notification, the notification verification unit 206 refers to the account master 109 to check whether the account included in the notification is an account that can be partially deposited, and notifies the ATM 101 of the result. . More specifically, it is confirmed whether or not the account is a deposit-only account, and the result is returned to the ATM 101. Further, when a deposit account identifier is registered in the account and there is a related account, the account information about the account is also notified to the ATM 101. If the account included in the notification is not a deposit-only account, or if there is no corresponding change account, an error is notified to the ATM 101. The ATM 101 that has received the confirmation result displays a partial deposit menu if the account is a deposit-only account. If there is a related account, the related account is displayed on the partial deposit menu together with the account stored in the cash card. These accounts to be deposited are listed in a list format so that, for example, each account can be selected. Here, the change account is not displayed. For example, when a plurality of accounts are registered as in the account master 109 of FIG. 3, the related accounts 302 and 303 are displayed in the partial deposit menu together with the account 301 registered in the cash card, and the change account 304 is Do not show. The deposit officer can insert banknotes into the ATM 101 and select one of a plurality of accounts displayed in the partial deposit menu and input a deposit amount such as sales. Further, the input of the deposit amount can be continuously performed for the other displayed accounts.

  The telegram creation unit 203 creates a deposit telegram based on the bill inserted into the ATM 101 and the deposit amount input into the ATM 101. The created deposit telegram is transmitted to the host computer 107 of the financial institution system 105 by the telegram transmitter 205.

Here, with reference to FIG. 4, the deposit telegram 400 created by the telegram creation unit 203 will be described.
The deposit telegram 400 includes items such as deposit category, deposit amount, transfer requester code, branch name, branch code, item, account number, and nominee name as in the conventional deposit telegram. For example, as shown in FIG. 3, an account is registered, 10,000 yen is put into the ATM, and deposits of 7,000 yen, 1,500 yen, and 1,000 yen are made to the accounts 301, 302, and 303, respectively. When the amount is input, a plurality of deposit telegrams 401 to 404 are created as shown in FIG. The deposit telegram 404 is a deposit telegram corresponding to change, and the change amount calculated by subtracting the total amount of the deposit amount specified in the ATM from the total amount of bills inserted into the ATM is calculated and set. . In this case, the difference is 500 yen.

Returning to FIG. 2, the message reception unit 207, message collation unit 209, and deposit processing unit 211 of the host computer 107 will be described.
The deposit telegram received by the telegram receiver 207 is collated with the account master 109 by the telegram collator 209. The message collation unit 209 collates the account information included in the deposit message with the account information registered in the account master 109, and the account identified by the account information included in the deposit message exists in the account master 109. Check if. If the account master 109 does not exist, the ATM 101 is notified as an error.

  The deposit processing unit 211 performs a deposit process based on the received deposit message. Here, in the transaction master 111, a deposit detail record corresponding to the deposit telegram is created.

FIG. 5 shows a process flow diagram of a multiple account deposit system according to an embodiment of the present invention.
First, the ATM 101 reads the inserted cash card (S501). The account information read from the cash card is notified to the host computer 107. The host computer 107 refers to the account master 109 to check whether or not the account notified from the ATM 101 is a deposit-only account that allows partial deposit (S502). If the account is not a depositable account, an error is notified to the ATM 101 (S503), and the process ends. On the other hand, if the account is a partially depositable account, the confirmation result is notified to the ATM 101, and the ATM 101 displays a partial deposit menu (S504). Next, the ATM 101 receives the inserted banknote and the deposit amount designated for each account (S505). The ATM 101 creates a deposit message based on the account information read from the cash card and the specified deposit amount, and transmits it to the host computer 107 (S507). Here, the change amount which is a difference obtained by subtracting the total amount of the specified deposit amount from the total amount of the inserted bills is set in the deposit message to the change account.

  When the host computer 107 receives the deposit message, the host computer 107 checks with the account master 109 to check whether the account specified by the deposit message exists in the account master 109 (S509). If it does not exist, an error is notified to the ATM 101 (S511), and the process is terminated. On the other hand, if it exists, the deposit process is performed on the deposit-dedicated account and the change account, and a deposit detail record for each account is created in the transaction master 111 (S513).

  FIG. 6 shows a conceptual diagram for explaining the present invention. Here, the deposit / withdrawal item inquiry screens 601 to 604 of the Internet banking system and the like are illustrated.

  As described so far, according to the present invention, it is possible to deposit a deposit received by ATM into a plurality of accounts, that is, a plurality of deposit-only accounts and change accounts. For example, as shown in FIG. 6, 10,000 yen is inserted into the ATM 101, and 7,000 yen, 1,500 yen, and 1,000 yen are added to each deposit-only account 1, 2, 3 as the deposit amount. Is specified. In this case, as shown in the deposit / withdrawal details inquiry screen 601, 602, 603, 7,000 yen is deposited in the deposit-only account 1, 1,500 yen is deposited in the deposit-only account 2, and the deposit-only account 3 is credited with 1,000 yen. Also, as shown in the deposit / withdrawal details inquiry screen 604, 500 yen, which is the difference between the input amount of 10,000 yen and the total amount of deposit amount of 9,500 yen, is deposited in the change account. The client code is displayed on the deposit / withdrawal details inquiry screens 601, 602, 603, and 604. This information can be obtained from the cash card used for deposit. By managing the client code in this way, it becomes easy to manage the deposit for each deposit manager. The deposit to the deposit-dedicated account can be transferred to a designated account of a company that uses this service, such as a fund management management account, in a lump.

  As explained above, according to the present invention, by using the partial deposit function of ATM, it is possible to deposit into multiple accounts, and by depositing the change into another account, it is not possible to deposit with coins, Even in an ATM where no change is returned, it becomes possible to deposit into a desired account in units of 1 yen, and it is possible to deposit the same deposit as sales.

101 ATM
DESCRIPTION OF SYMBOLS 103 Network 105 Financial institution system 107 Host computer 109 Account master 111 Transaction master 201 Card reading part 203 Message creation part 205 Message transmission part 206 Notification collation part 207 Message reception part 209 Message collation part 211 Deposit processing part

Claims (6)

A system for processing deposits received by an ATM (automated teller machine) that does not handle coins into a plurality of accounts at a host computer of a financial institution,
Means for notifying the host computer of the account information of the first account read from the cash card in the ATM;
In the host computer, based on the notification received from the ATM, the account master that stores the account information is referred to, and at least account information of the second and third accounts related to the first account is stored in the ATM. A means of notification;
In the ATM, the account information of the first and second accounts is displayed, and the first deposit amount designated for the inserted banknote and the first account, and the second account The second deposit amount specified in the above is received, and the first deposit message including the first deposit amount, the second deposit message including the second deposit amount, and the total amount of the banknotes Means for creating a third deposit message for the third account, including a difference obtained by subtracting the first and second deposit amounts, and sending the third deposit message to the host computer;
The host computer further comprises means for depositing the first to third deposit messages received from the ATM. The means for notifying the ATM of the host computer notifies the ATM of an error when the first account notified from the ATM is not a partially depositable account. The described system.   The system of claim 1, wherein the second and third accounts are related by having an account identifier that is the same as the account identifier of the first account. A method of depositing money received by an ATM (automated teller machine) that does not handle coins into a plurality of accounts at a host computer of a financial institution,
The ATM notifying the host computer of the account information of the first account read from the cash card;
The host computer refers to the account master that stores the account information based on the notification received from the ATM, and stores at least the account information of the second and third accounts related to the first account to the ATM. A notification step;
The ATM displays account information of the first and second accounts, for the inserted banknote and the first deposit amount specified for the first account, and for the second account The second deposit amount specified in the above is received, and the first deposit message including the first deposit amount, the second deposit message including the second deposit amount, and the total amount of the banknotes Creating a third deposit message for the third account, including a difference obtained by subtracting the first and second deposit amounts, and sending the third deposit message to the host computer;
The host computer includes a step of depositing the first to third deposit messages received from the ATM. The step of notifying the ATM of the host computer includes a step of notifying the ATM of an error when the first account notified from the ATM is not a partially depositable account. Item 5. The method according to Item 4.   The method of claim 4, wherein the second and third accounts are related by having an account identifier that is the same as the account identifier of the first account.

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