JPS61131165A - Transfer processing system - Google Patents

Abstract

(57) [Summary] This bulletin contains application data before electronic filing, so abstract data is not recorded.

Description

[Detailed Description of the Invention] [Industrial Application Field] The present invention relates to a transfer processing system, and is a transfer processing system that eliminates the trouble of inputting transfer information by 41tKli customers and enables quick and accurate automated transfer processing. In order to omit counter operations at banks and other financial institutions, deposits and
In addition to cash transactions such as payments, there is a push to automate transfer processing.At this time, the problem is that the information required for transfer processing (transfer information) has a considerable amount of data, and this transfer information There is a concern that it would take a lot of time for customers to input information each time.Therefore, when automating the transfer process, a major issue is how to reduce the amount of time required for operations and the amount of data input by customers. There is one.

[Problem that the invention seeks to solve]

The transfer processing systems currently being developed can be roughly divided into the following two types:
There is one.

The first is to provide a keyboard means for inputting transfer information on a regular deposit dispensing machine (or automatic machine).151 automatic machines allow customers to input transfer information and actually process the transfer information. It accepts transfer processing.

Further, the 4sO system is provided with an input-only machine for inputting transfer information separately from the automatic machine that performs transfer processing.

Tsu-! The processing of inputting mold information and the actual remittance processing are handled (distributed) by separate automatic machines.

In each of these systems, operation input by the customer is required for each transaction. That is, it is based on the idea that information related to the transfer process should be input manually by the customer each time the transfer process is required.

Each of the above systems assumes that the customer inputs the caressing information. Even when transferring money to the same recipient, it is necessary to enter the same money transfer information each time the money is transferred. As a result, not only does it take time and effort for the customer to input the transfer information, but there is also a concern that input errors may occur. [Means for Solving the Problems] The present invention aims to solve the above-mentioned problems. purpose.

For this reason, in the present invention, a special transfer card with transfer information recorded thereon is issued, and the customer inserts this special card into an automatic machine, thereby eliminating the need to manually enter the transfer information.

[For production]

The present invention focuses on the widespread use of cards for deposits, payments, etc., and attempts are made to record transfer information on a card compatible with this card and allow customers to use this card. It is something that This results in 1
It is possible to perform a transfer process in the same manner as with a normal card. The present invention will be described in detail below using examples.

〔Example〕

Figure 1 shows zero launch '14°-1! This is a diagram showing an example of M.
FIG. 12 is a diagram showing the recording capacity of the dedicated card 100 in the embodiment, FIG. 3, and l! 4
The figure is an operation flowchart of the card issuing machine IO.
FIG. 6 is a diagram showing the configuration of the automatic machine 20.

The card issuing machine 1O is installed at a location where it can be operated by the customer, preferably near the corner where the automatic machine 20 is installed.As shown in Fig. 083, the issuing machine 10 is used to input the name of the bank to be transferred to, the account number, etc. keyboard 13, display section 11. and a card issuing port 12. This keyboard 13 includes, for example, a Japanese 50-sound key for kana manual input and a numeric keypad. It also has an item selection key 13m for specifying input items (bank name, branch name, account number, etc.) @ As shown in Figure 4, the card issuing machine 10 is connected to a host (HO8T, not shown).
Line control unit 15 for communicating with the combiator. 70ppy disk 1B for pot line name and branch name index, card reader/writer (CRW) 32. Card stacker 31. and a card issue control unit (CONT) 19.

Here, the transfer-only guard 100 has the same configuration as a normal credit card (account card). That is, the card reader/writer 32 provided in the issuing machine 10 is equipped with an information recording section composed of paper ICW1 stripes, and is compatible with ordinary credit cards. Figure 2 is a diagram showing an example of the data format written on the magnetic stripe surface of this dedicated card lOO. , transfer source information (name, phone number, etc.), and multiple transfer destination data (recipient bank ID, branch code, transfer destination account number, transfer destination name, etc.) A.
B, --...- are recorded.

Below, based on the flowchart in figure M5, card issuing machine 1
The card issuing operation by G will be explained. First, a customer who wishes to issue a card selects the card issuing process using the item selection key 13a (FIG. 3), that is, the card issuing machine 1G.
It is possible to issue a new transfer-only card and to renew an existing card ff1 (described later).

If the card issuing process is not selected, the customer inputs the name of the bank to which the payment will be made based on the guidance provided by the display unit 11. This input is done by using the 50-sound key 13 to enter the initial letter of the bank name (for example, "A").
) and the item key indicating "Bank Name". By inputting the initial letter, the main control unit 14 (fourth
Figure) refers to the floppy disk 18, and the initials “
Find bank names starting with "a". and main control section 1
4 displays a plurality of corresponding bank names (for example, "Yomori Chain Bank", "Akita Bank Bank", etc.) on the display unit 11.

Looking at the bank name display, the customer selects the bank name he/she desires using TenE et al. As a result, the main control unit 14 obtains a code (training number) corresponding to the bank name selected by the customer from a table (not shown) on the disk 18 and temporarily stores it in a buffer (not shown) or the like. , Monarchy 6 [fi14 will prompt the customer to input the KM bank branch name through a guidance display 0 This input will also require the customer to input the initial letter as above, select the corresponding name, and select the customer's name.
Code conversion and temporary storage are carried out in the order of 〇. Below, the main control unit 14 prompts you to input the bank transfer destination, transfer person (client) data, (name, '4 story number, etc.) by displaying a guidance. The name of the transfer destination (recipient) is determined by the center HO8T verification by the main control section 14 using the transfer destination account number entered by Iwao customer.
displays each of the input transfer information on the display unit 11,
Final approval of the customer's input information is requested ◇ Based on the customer's approval input, transfer information stored in a buffer (not shown) or the like is passed to the card issuance control unit 19.

Upon receiving the transfer information, the control unit 19 controls the card stacker 3.
1, one card exclusively for transfer is drawn out, and the card reader/writer 32 is caused to read transfer information twice.

In other words, write the card information in the format shown in Figure N2@Then, release this card to the customer from the issuing port 12. 1 completes the series of card issuance processing 0 Also, transfer the card 100 once issued. It is often necessary to change information (eg, account number) or add new remittance information.

Therefore, in this embodiment, a card update processing function is added to the issuing machine 10. This function can be selected by the customer by issuing a card update instruction using the selection key 13m. In this case, the customer first inserts the special card 100 to be updated into the card issuing slot 12. The main control unit 14 reads information on the dedicated card inserted by the card reader/writer 32. Then display the read transfer information! Displayed in 11111 0 The customer looks at the displayed transfer information, confirms the card details, and then performs the information update process 0 This process is released by specifying the update location and inputting the update information.

In possession of the transfer-only card 100 issued as described above, the customer goes to the automatic machine 20 and carries out the transfer process.

The valid number of times on the card 100 shown in FIG. This is done by adjusting the number of transfers to the destination according to the customer himself.For example, if the transfer is made regularly every month, the effective number of transfers is set to the maximum value (for example, 99 times).
If it is a short-term transfer destination (for example, only for 12 months), a value corresponding to the number of transfers (for example, 12 times plus α times) is set.

Next, a transfer processing operation using the dedicated card 100 will be explained using a block diagram of the sixth @ automatic machine 20.

The automatic machine 20 accepts ordinary credit cards (account cards).
card reader 2 for making deposits or payments using
3. Guidance display section 23. Keyboard 25. cash total v
lf426. and a line control 1fI 122.

The customer first inserts the special card 100 into the card insertion slot of the automatic machine 20. The data on the inserted card 100 is read by the card reader 23, and the read data is stored in the buffer 27.

The main control unit 21 looks at the identification data ID among the data in the buffer 27 and mutes the insertion of a transfer-only card (that is, instructions for transfer processing). Monarchy #*21 is display control s44
The transfer source information read by the card 100 via the card 100 is displayed on the display section 24.Then, the customer is asked to confirm the transfer destination.At this time, if there is multiple transfer destination information, each transfer destination information is displayed. ◇ When the customer confirms or selects the transfer source,
The main control unit 21 prompts the user to input the amount to be transferred through guidance on the display unit 24. Then, the system prompts the customer to deposit cash corresponding to the amount data input by the customer.

The input amount data is temporarily stored in the buffer 45. Further, the amount of cash inserted is held in the buffer 46.

The main control unit 21 issues a predetermined transfer process when the amounts in both buffers 45 and 46 match or when cash is inserted in excess of the specified amount. This processing notification is sent to the circuit control unit 22.
It is sent to the host HO8T combination Tamei via.

Upon completion of the digging process, the main control unit 21 subtracts the valid number of times on the card 100 read through the buffer 21 by the subtraction circuit 2.
8 is updated (-+'')@Then, this updated valid count is returned to the buffer 27 and sent to the determination unit 29.

The determining unit 29 determines whether the updated valid number of times is rOJ or not, and determines whether the number of uses of the dedicated card 100 has reached a predetermined number of times. Then, this determination result is notified to the main control unit 21 ◇ In the main control @ 21, if the number of card uses has not reached the specified number, the new table valid number updated by the subtraction circuit 28 via the buffer 27 is sent to the card. It is sent to the reader 23 and the valid number of times on the card 100 is rewritten. And this card 1
00ik Peng Make the customer return it ◇ 1? '-・Haman Part 1 29! ! '*-)° Use 01'' When receiving the notification that the specified number of )K has been reached, the main control unit 21 drives the transport mechanism of the card league (not shown) and takes this card 10G into the device.
The customer is notified of this via the display unit 24. In this embodiment, each piece of remittance information can be entered using a special card to which remittance information is distributed, so remittance processing using an automatic machine is possible. Improved operability.

It is possible to prevent data entry errors, etc.In addition, it is possible to collect cards that have completed (completed) p-transfers by specifying the valid number of times, to prevent crimes using unnecessary cards as much as possible. Possible 0 Note that the present invention is not limited to the embodiments described above, and can be applied in many ways.

That is, in this embodiment, a special card is issued by the customer's operation, but it would also be possible to provide this card issuing function to a teller machine and have a bank clerk (teller) issue the card. Although the number of times the card is valid is automatically set, each IIi may be configured to set the number of times by itself. In addition, the subtraction circuit used to determine whether or not the card can be reused by determining whether the number of valid times has expired or not, but now it is possible to sequentially increase or decrease the number of valid times and detect when a predetermined number of times has been reached.
It may be configured.

Furthermore, in the embodiment, the transfer source information includes the name of the transfer requestor,
Although the telephone number is recorded, it is also possible to record the bank account that the client has.This allows for the automatic transfer to be performed from the client's account in addition to the cash transfer described in the example as a form of transfer processing. It is also possible to process transfers by direct debit or transfer.

〔Effect of the invention〕

As described above, according to the present invention, in addition to a credit card for regular deposits and payments, a special card with transfer information recorded is used to input information for transfer processing by an automatic machine. You can significantly reduce the time it takes. In other words, it is possible to reduce the time that automatic machines are occupied for transfer transactions, and it is possible to improve the transaction processing efficiency of automatic machines.

[Brief explanation of the drawing]

FIG. 1 is a diagram showing an embodiment of the present invention, FIG. 2 is a diagram showing the data format on the transfer card 100 in the embodiment, and FIGS. 3 and M4 are the appearance and appearance of the card issuing machine 10 in the embodiment. A diagram showing the configuration, FIG. 5 is a two-chart showing the operation of the card issuing machine 10, and FIG. 6 is a diagram showing the automatic machine 20.
FIG. 2 is a block diagram showing the configuration of FIG. 10-...Card issuing machine, 20...Automated machine 100...Transfer-only card-1, Stalk Iz Note 2 Mejima 3 figure j Tsubasa, i fertilizer% 5v1

Claims (1)

[Scope of Claims] A transfer-only card issuing machine equipped with an input means for operating and inputting post-payment information including a transfer destination account number, and a recording means for recording the input information on a recording surface of the card; A card reader that accepts the transferred transfer card and reads the information on the card, a processing means that issues a transfer process based on the read information, and a control unit that returns the transfer card upon completion of the process. 1. A transfer processing system comprising: a transfer processing device; and a transfer processing system configured to perform transfer processing using an issued transfer-specific card.