JPH05108690A - Account transfer device - Google Patents

Abstract

PURPOSE:To attain the transfer of accounts through a current automatic transfer device with use of cards by providing an input means, a card reader means, a data processor means, and a data transmitter means which sends the data to a transferee. CONSTITUTION:An account transfer device consists of a card reader 1, an input device 2 which inputs the information on the amount, etc., to a screen, a data processor 3 which processes the information inputted through the reader 1 and the device 2 and transfers these processed information to a data transmitting/receiving device 4, and this device 4, etc. A user selects a payment method of the cash or a card at a terminal. When the card is used, the user puts the card into the reader 1 and inputs his identification number and the counter side. At the same time, the amount, the card information, and the counter side information are sent to the processor 3. The processor 3 processes the received information to transmit them to the device 4. The device 4 inquires of a credit company or a bank about the user data and confirms this data. Then the device 4 sends the using information to an output device 5. Thus the device 5 outputs the using state of the card, the details of the balance, etc., of the user.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an account transfer device for transferring money to a bank account.

[0002]

2. Description of the Related Art A conventional automatic account transfer apparatus has an operation of depositing cash, inputting the type of bank of the other party and the account number of the other party to complete the transfer.

Here, a conventional procedure will be described with reference to FIGS. 3 and 4. FIG. 3 shows the procedure of the automatic teller machine, and FIG. 4 shows the procedure of the automatic account transfer apparatus.

In the figure, 3-1 inserts a cash card or a credit card into the device, 3-2 inputs a personal identification number, 3-3 sets an amount, and 3-4 withdraws cash.

Here, the user moves to the automatic account transfer apparatus, selects the partner bank at 4-1 and inputs the partner account number at 4-2 to set the amount (4-3), The flow was such that cash was input (4-4) and the processing was ended.

[0006]

However, in the above-mentioned conventional example, there is a disadvantage that only cash can be exchanged.

If cash is not available, cash must be prepared in advance using a cash card.
Moreover, in credit cards, there are many cases where the device for withdrawing is not nearby.

Therefore, there are two problems, that is, exchanges can only be made with cash, and that there are many steps when cash is not available.

Therefore, in view of the above-mentioned drawbacks, a technical object of the present invention is to provide an account transfer apparatus capable of making a transfer using a card without preparing cash in advance.

[0010]

According to the present invention, the input means for inputting the other party's account number of the transfer destination, the card reading means for reading the predetermined information from the card storing the predetermined information, and the other party's account There is provided an account transfer device comprising a data processing means for processing a number and the predetermined information, and a data sending means for sending the data to the transfer destination.

Further, according to the present invention, in the account transfer device according to the first aspect, the card transfer device is obtained in which the card is a cash card.

Further, according to the present invention, in the account transfer apparatus according to claim 2, the input means inputs the amount of money defined by the cash card as a transfer amount, thereby obtaining an account transfer apparatus. Be done.

That is, the present invention is a device for transferring a desired amount of money to another account by a card, and an input device for inputting information such as credit card, cash card and the like, amount of money, partner account number, personal identification number of card and the like. And a data transmitter / receiver for transmitting / receiving credit card information inquiry and money amount information, and a data transmitter / receiver,
It is a new account automatic transfer device equipped with a data processing device, which is connected to an input device to perform data processing.

[0014]

EXAMPLES Next, examples of the present invention will be described.

FIG. 1 shows the configuration of this device.

In the figure, 1 is a card reading device, 2 is an input device for inputting information such as a screen and an amount of money, 3 is information processing by the card reading device 1 and the input device 2, and a data transmitting / receiving device 4 It is a data processing device to be handed over to. The data transmission / reception device 4 delivers inquiries to a bank or a credit company and money amount information.

Referring also to FIG. 2, the user first selects the payment method, cash or card, at the terminal (1-2) (2-1). After this, the case of a card will be described.

Insert the card into the card reader 1 (1-
1) Input the personal identification number (2-1). Next, input device 2
Enter the amount of money (2-4) and the other party's bank, the other party's account number, etc. (2-5). This amount of money, card information, and partner information are sent to the data processing device 3.

Here, the data is processed for transmission and passed to the data transmission / reception device 4. The data transmitting / receiving device 4 collates and confirms the user data with the credit company or the bank.

After that, the data processing device 4 sends the usage information to the output device 5, and the output device 5 issues the usage status of the user, the balance statement, and the like.

[0021]

As described above, the present invention uses a method of making a transfer using a cash card or a credit card instead of an automatic transfer of cash only. Therefore, even if there is no cash, an automatic payment device can be used. There is an effect that the transfer can be carried out immediately without being withdrawn.

[Brief description of drawings]

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

FIG. 2 is a flow showing a procedure of a user in the embodiment of the present invention.

FIG. 3 is a flow showing a procedure of a cash automatic payment device of a conventional method.

FIG. 4 is a flow showing a procedure of a conventional automatic cash transfer apparatus.

[Explanation of symbols]

 1 card reader 2 input device 3 data processor 4 data transmitter / receiver 5 output device

Claims (3)

[Claims] 1. Input means for inputting a recipient's account number of a transfer destination, card reading means for reading the prescribed information from a card storing prescribed information, and data processing for the opponent account number and the prescribed information. A data transfer device for transmitting the data to the transfer destination, and a data transfer device for transmitting the data to the transfer destination. 2. The account transfer device according to claim 1,
The bank transfer device, wherein the card is a cash card. 3. The account transfer device according to claim 2,
The account transfer device, wherein the input means inputs an amount of money defined by the cash card as a transfer amount of money.