JPS6069774A - Money transfer processing system - Google Patents

Abstract

PURPOSE:To secure a transaction through an automatic transaction device which enables cash transfer to another banking agency by reducing transfer destination information that a person who requests the transfer inputs as much as possible, and deciding on and displying a transfer destination. CONSTITUTION:When a user stands before the transaction device, a selection keys for the kinds of transactions are displayed and the user press a part for transfer; and a main control part 11 advances to the next processing step to make a cash and a card payment display as a method of transfer at a display part 5, ane when the card payment is pressed, the insertion of a card is guided on the display to accelerate the insertion of the card into an insertion slot 6. A personal code number and an account number are read and a check on an input personal code number is made; when they coincide with each other, the amount of money is inputted and a selection key for banking facilities is displayed; when the main control part 11 judges that the selected banking agency is not an individual agency, a guide display for requesting the input of a bank name is made. Then, the name is inputted with KANA (Japanese syllbary) keys and an end key is then operated; and the main control part guides the user to input a branch name, and the user inputs the branch name. Then, the user is guided to input the account number and deposit item of a transfer destination. Thus, the processing is performed securely.

Description

DETAILED DESCRIPTION OF THE INVENTION [Technical Field of the Invention] The present invention relates to a transfer processing method for automatic transaction devices such as automatic teller machines that can transfer cash to other financial institutions, for example.

[Technical background of the invention]

In recent years, automatic teller machines that accept magnetic cards submitted by users and have account information recorded thereon, and that automatically pay cash requested by users by communicating with a host computer, have been developed. A cash machine that accepts a magnetic passbook with a magnetic stripe and automatically disburses the cash requested by the user by communicating with a host computer, or using a magnetic passbook with a magnetic stripe on which account information is recorded. , automatic teller machines that automatically accept cash, and automatic teller machines that combine both of these functions into one machine, are rapidly developing as automation equipment for bank tellers. It has been introduced by each bank to provide prompt services to users.

Recently, the automated teller machine has also been used to accept cash and transfer the accepted cash to other bank accounts, and to transfer a predetermined amount from one's own account to another bank account through card transactions. A device that performs automatic transfer transactions has been developed and put into practical use.

[Problems with background technology]

However, from Kotobuki, those who conduct transfer transactions such as those mentioned above,
When a cash transfer transaction is made, the transfer recipient's information, financial institution name, and store name are entered through a key operation, so there is a possibility that an error may occur in the key operation. In this case, if the transfer transaction cannot be performed due to an error in the transfer account, etc., there is a problem in that it is impossible to contact the transferee if the transfer destination information is incorrect.

[Purpose of the invention]

This invention was made in view of the above circumstances, and its purpose is to provide a transfer processing method that allows the transfer recipient to distinguish and display the transfer destination while minimizing the amount of transfer destination information manually inputted by the transfer person. be.

[Summary of the invention]

In this invention, it is determined whether or not the remittance destination has been identified based on input information, and the remittance destination is displayed according to the result of this determination.

[Embodiments of the invention]

An embodiment of the present invention will be described below with reference to the drawings.

FIG. 1 shows an automatic transaction device according to the present invention. That is, on the front of the housing 1 there is an abbreviated operation section 2.
is formed. On the horizontal surface of this operation section 2, transfer,
In addition to being able to input a large number of banknotes to be transferred at once,
A bill insertion slot 3 for receiving banknote change is provided, and this bill insertion slot 3 is provided with a door 4 that can be opened and closed.

Furthermore, a color CRT display section 5 with a built-in touch sensor is provided on the horizontal surface of the operation section 2 . This CRT display unit 5 displays operating procedures and other information on the CRT screen in the form of illustrations, text, or words to guide the user, and also displays the password, amount, and account number.

By pressing the display area corresponding to approval, confirmation, or cancellation of the transaction, a touch sensor (not shown) detects this and performs a so-called key operation that outputs a corresponding signal to the main control unit 11, which will be described later. It is something that can be done. In other words, as shown in Figure 2, for example, the message ``Please enter the payer's name'' is displayed, as well as katakana for entering the payer's name and a key for indicating the type of business where the transfer is to be made. . The contents and display change each time the machine operation or step status changes.

In addition, on the vertical surface of the operation unit 2, there is a card insertion slot 6 for inserting a magnetic card as a transaction medium in which account information such as a PIN and account number is recorded, a passbook insertion lower for inserting a passbook, and a passbook insertion slot for inserting coins. A coin input slot 8 for receiving coin change and a coin change receiving slot 9 for receiving change are provided.

By the way, as shown in FIG. 3, inside the housing 1, there is a main control unit 1 that controls the entire system, which accepts a card inserted through the card insertion slot 6 and reads the PIN number 1 from the magnetic stripe on the card. A magnetic card reading section 12 reads account information such as an account number, and a passbook printing section 1 reads the magnetic stripe of a passbook inserted from the passbook insertion lower and records transaction details on a passbook and journal paper (not shown).
3. A deposit/withdrawal unit 14 that accepts banknotes inserted into the banknote insertion slot 3 and dispenses a designated amount of banknotes into the banknote insertion slot 3; a deposit/withdrawal unit 14 that accepts coins inserted into the coin slot 8 and dispenses a specified amount of banknotes into the banknote insertion slot 3; a coin deposit/withdrawal unit 15 that dispenses coins of the same amount to the coin receiving slot 9; a customer service unit 16 constituted by the CRT display section 5; and a voice guidance unit (17) that provides voice guidance to customers through a speaker (not shown). , an internal monitor 18 for staff, a flow where transaction data, etc. are stored;
A transmission control section 20 for controlling data transmission between the B-disk 19, the main control section 11 and a host computer (not shown), and a power supply section 21 are provided. Also,
The main control unit 11 is connected to a remote monitor 22 for use by a staff member provided outside.

Next, the transfer processing method of the present invention in such a configuration will be explained with reference to the flowcharts shown in FIGS. 4(a) to 4(d). For example, a customer is now standing in front of this device. At this time, the CRT display unit 5 displays the message ``Welcome, please specify your payment method'' and the message ``Withdrawal.''

Selection keys for ``Deposit, Balance Inquiry, 2 Passbook entry, and Transfer'' are displayed. In response to this guidance, the customer presses the button labeled "Transfer". Accordingly, the main control unit 11 determines to proceed to the next processing step, and the CRT display unit 5 displays “
``Please press the type of transfer'' is displayed, and a selection key for ``cash or card withdrawal'' is displayed (ST1). Next, the customer presses down on the area that says "Card withdrawal" according to the instructions (S
T2). Accordingly, the main control unit 1 determines that the transfer will be made by debiting the card (5T3), and causes the CRT display unit 5 to display the message "Please insert your card" (ST4). Next, the customer inserts the card into the card insertion slot 6 according to the instructions (ST5).

Then, the card is taken into the magnetic card reading section 12, and account information such as the PIN number 1 account number recorded on the magnetic stripe section is read by a magnetic head (not shown) (ST6).

The above account information is checked by the main control unit 11 (5
T7) If it is determined that the card is incorrect, the main control unit 11 performs error processing. Furthermore, if the main control unit 11 determines that the card is correct, it displays “Please press your PIN” on the CRT display unit 5, and
Display the numeric keypad and correction key (ST, !l
).

Next, the customer follows the instructions and enters the PIN number by pressing down on the area where the numeric keypad is displayed (
ST9). After entering the password, the main control unit 1 judges whether or not the passwords match (5T10). If they do not match, the password re-input process is performed. In addition, the main control unit 1
1 if the PIN matches, or step 3 above
When it is determined that the card key has been pressed, the CRT display section 5
``Press the amount to be transferred'' and the numeric keypad and amount key are displayed (STI 1). Next, the customer follows the instructions and inserts the amount to be transferred (
STM2). As a result of this input, the main control unit 11 causes the CRT display unit 5 to display the message "Press the destination financial institution" and also displays the financial institution selection key (STJ 6). Following this guidance, the customer presses the financial institution (ST27). By pressing this button, the main control unit 11 determines that the bank name is not an individual institution (5T18), and if it determines that the list is not possible (ST19), the CRT display unit 5 will display the message ``Please enter the initial letter of the name of the recipient bank.'' At the same time, a katakana key, a correction key, and a completion key are also displayed (ST20). In accordance with this guide, customers should:
Enter the bank name using the katakana key (ST2
J). Here, when the customer is able to identify the bank name while inputting the bank name (ST71), the main control unit 11 controls the CRT
The bank name is displayed on the display section 5 (ST72), and the process proceeds to Stella f24. On the other hand, in step 5T71, if the bank name cannot be determined, the customer is allowed to continue inputting the bank name. Then, when the completion key is pressed (ST
21) In step 18, if the main control unit 11 determines that it is an individual engine name, or if the main control unit 11 determines that the list can be displayed on the Stella f19, the main control unit 11 displays “” on the CRT display unit 5. Please press the destination financial institution.'' and a financial institution selection key is displayed (ST22).

Following this guidance, customers push financial institutions down.

As a result of this depression, a certain A is activated by the main control unit 1 in step 18.
When main control unit 1 determines that an individual institution name has been entered, main control unit 1 determines that a list of branch names is not possible (ST24).
, the CRT display section 5 displays the message "Please enter the name of the destination branch" and also displays the katakana key, correction key, and completion key (ST24'). Following this guide, the customer enters the branch name using the katakana key (
ST, T5). Here, the main control unit 11 controls when the customer is able to identify the branch name while inputting the branch name (S T y
, 9), the branch name is displayed on the CRT display section 5 (ST74), and the process proceeds to step 28. Then, when the completion key is pressed (ST25) or step 2
If it is determined in step 4 that the list of branch names is possible, the main control unit 11
A branch name selection key is displayed on the RT display unit 5, saying ``Press the name of the destination branch'' (Sr16). Next, the customer presses the branch name selection key according to the instructions (Sr27). By pressing this button, the main control unit 11 displays the name of the financial institution and branch name of the recipient financial institution on the CRT display unit 5, displays the message "Please confirm the name of the financial institution and branch name of the recipient," and presses the confirmation key. Display the correction key (Sr7.5).

Following this guidance, the customer inserts the confirmation key or correction key (Sr76). Then, when the main control unit 11 determines that the cancellation key has been pressed (Sr77), the cancellation process is performed. On the other hand, when the main control section 11 determines that the confirmation key is pressed (Sr77), the main control section 11
``Please enter the destination account number and deposit type'' and display the numeric keypad, correction key, normal key, and current account key (Sr28). Following this guidance, the customer enters the account number and deposit type (Sr29)
. When the main control unit 11 determines that it is not the main office or branch office due to this input (S T , v o ), the CRT display unit 5 displays “
"Please press the recipient's name" is displayed, and
Display the katakana key, correction key, and completion key (S
r31).

Then, when the completion key is pressed (Sr32), when it is determined that the main branch is the main branch in step 30, or when it is determined that the registration key has been input in step 15, the main control unit 11 displays the message ``The computer is currently processing. Please wait" (ST, 93). The main control unit 1 also sends and receives inquiry messages and prints the results on journal paper (Sr34). Next, the main control unit 11 displays "Please confirm recipient" and also displays a confirmation key and a correction key (S
r40). Following this guidance, the customer inserts the confirmation key or cancellation key (Si20). Then, when the main control unit 11 determines that the cancellation key has been input (Sr42),
Perform cancellation processing.

In addition, when the main control unit 11 determines that the confirmation key is inserted in step 42 and determines that the card is not used (white T39
), the main control unit 11 causes the CRT display unit 5 to display ``Please enter the name of the payer'' and also displays katakana and a key for instructing the type of business establishment of the transfer destination (S T
4,? ).

Following this guidance, press the sender's name and the completion key (Sr14). If the main control unit 11 determines that the card is to be used by pressing this completion key or by pressing the Stella f39,
The main control unit 11 causes the CRT display unit 5 to display the message ``If you agree with the details of the transfer, please press confirm'' and displays the transfer details, a cancellation key, and a confirmation key (S
rI2). In response to this guidance, the customer inserts the confirmation key or cancellation key (ST4B). Then, the main control section 1
When 1 determines that the cancellation key has been input (Sr49), it performs the cancellation process and determines that the confirmation key has been input.5T5 (7);
When it is determined that the card is not being used, the CRT display section 5 will display “
Please put bills and coins into their respective slots. If you agree, please press the confirmation key." is displayed, along with a confirmation key and a cancellation key (Sr5
1). Following this guidance, the customer inserts bills into the bill insertion slot 3 and coins into the coin slot 8 (Sr52
). Then, the banknotes are accepted into the deposit/withdrawal unit 14 and inspected and counted, and the coins are accepted into the coin deposit/withdrawal unit 15 and inspected and counted (Si20). When the above-mentioned inspection counting is completed, the main control section 11 displays the CRT display section 5 in step 5.
The input amount is displayed on display 1 (Sr54). In response to this guidance, the customer inserts the confirmation key or cancellation key (Sr55). Then, when the main control unit 11 determines that the cancellation key has been pressed (Sr56), the cancellation process is performed. Further, when the main control unit 11 determines that the confirmation key is inserted, or when it determines that the card is to be used in step 50, the CRT
Display unit 5 displays "Currently processing the computer. Please wait for a while" (Sr57). The main control unit 11 also transmits and receives the transfer message, and prints the result on journal paper (not shown) using a printing device (not shown) (5Tstt).

Upon completion of this printing, the main control unit 11 determines whether there is change by comparing the transferred amount with the withdrawn amount or input amount (Si59). When the main control unit 11 determines that there is change, the CRT display unit 5 displays [
Please receive banknotes and coins from their respective receiving slots.
is displayed and the amount of change is displayed (Si
60). At this time, the main control unit 11 controls the person's withdrawal uni, :,
1-74 to eject change bills into the bill insertion slot 3, operate the coin deposit/withdrawal unit 15, and insert the coin into the coin receiving slot 9.
to release change coins (Si20). Upon this release, the p customer receives change (C3T62). When this receipt of change is completed, or in step 59, the main control unit 11
When the main control section 11 determines that there is no change, the main control section 11 causes the CRT display section 5 to display a 1-cd receipt signal Iy,<. At this time, the main control unit 11 causes the card to be ejected from the card insertion slot 6 (Si64).

At the end, the customer receives the card (CsTe5) and completes the transfer process.

〔Effect of the invention〕

As described in detail above, according to the present invention, it is possible to provide a transfer processing method in which the transfer destination information input by the transferee can be easily inputted and transactions can be made reliably.

[Brief explanation of drawings]

The drawings show one embodiment of the present invention; FIG. 1 is a perspective view of the overall appearance, FIG. 2 is a diagram showing an example of a display on a CRT display section, and FIG. 3 is a diagram showing the configuration of main parts of an electric circuit. 4 are flowcharts for explaining the transfer operation. 3... Bill insertion slot, 5... CTR display section, 6...
Card insertion slot, 7... Passbook insertion slot, 8... Coin insertion slot, 11... Main control section, 13... Passbook glint section. Applicant's agent Patent attorney Takehiko Suzue Figure 3

Claims (1)

[Claims] In the case of a transfer transaction, etc., an input means for inputting the transfer destination information entered by the sender, and a determination means for determining whether the transfer destination has been identified based on the information input halfway through this input means. and a display means for displaying the transfer destination identified according to the determination result by the determination means.