JPH0664583B2 - Automatic transaction equipment - Google Patents

Description

The present invention relates to an automated teller machine (hereinafter, abbreviated as ATM), and more particularly to an input method suitable for a transfer transaction using an ATM.

[Background of the Invention]

In recent years, the spread of ATM in banks has been remarkable. And the transaction business executed by the ATM is spreading rapidly. In other words, the ATM has a cash receiving / paying function as a basic function, and it has become possible to share most of the transactions conducted by bank tellers.
However, among the transactions that the teller performs, the money transfer processing is the bank name of the transfer destination, the branch name, the transfer destination account NO,
Transactions cannot be made unless items such as the name of the transferee, the name of the requester, and the amount of the transfer are specified. Therefore, conventional ATMs cannot be transacted because there is no input means.

[Object of the Invention]

An object of the present invention is to provide a method that can be realized by a conventional ATM in a method of repeatedly transferring cash to a plurality of accounts.

[Outline of Invention]

According to the present invention, input data relating to transfer is recorded in advance on a magnetic card or other medium, and the card
This is to be read by TM and input easily. At this time, multiple transfer destinations are recorded on the magnetic card, and bank names, transfer destination names, etc. corresponding to these transfer destinations are displayed on the guidance screen. Then, the customer is made to select one transfer destination from these.

Example of Invention

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

FIG. 1 shows an example of the structure of an ATM according to the present invention. A
As shown in this figure, the TM has a control unit 50 having a microprocessor, a magnetic card R / W (Reader / Writer) 51,
The bill payment mechanism 52, the bill deposit mechanism 53, the passbook printing mechanism 54, the operation unit 55, the guidance display unit 56, the communication control unit 57, and the external storage device 58 are connected, and a transaction is executed by a combination of these components. A method of conducting a transfer transaction using this ATM will be described later. Prior to the description, the transfer transaction will be described with reference to FIG.

FIG. 2 shows an example of a general transfer transaction. According to this figure, if A is currently obliged to pay cash to B and cannot pay directly for some reason (for example, in a remote location), it will be necessary to send cash. Therefore, Kou asks Bank A's branch Y to transfer the cash to the bank's account at Bank B's bank X, which is your bank, with the cash attached to the exchange slip. Bank A's branch Y makes a money order and sends it to bank B's branch X (generally transmitted online via the gold and silver system). Cash was separately settled between Bank A and Bank B, and at Bank B's X branch, when the money order was received, it was transferred to the account of Company B based on the money order and was transferred from Party A to Company B. Notify that.

At this point, the payment of A will be made to B.

Considering the execution of this transfer transaction by ATM, it is necessary for the customer to operate the items in steps 1 to 12 shown in FIG. Here, the operations from the transfer destination bank name input in step 2 to the input item confirmation in step 9 are the operations associated with the transfer transaction, and the input contents are diverse.

First, the input of the transfer destination bank name in step 2 and the input of the transfer destination branch name in step 3 have various difficulties in allowing a general customer to input them. That is, even if the data is input by kana input, if there are thousands of bank branches and the name is wrongly input, the name will be completely different, and based on this, the transfer destination bank and branch cannot be specified. Therefore, in order to make sure that this input item is entered, all bank branches must be coded in advance and this code must be entered, or the bank name must be entered with one initial letter, and that letter must be used as a key to enter the bank name. There is a way to display all in the guidance and select from them.

Next, for inputting the transfer account number in step 4, there is no problem with inputting the numeric keys. The transfer destination name input in step 5 and the client name input in step 6 are input using the kana key, but it is quite difficult for ordinary people. Client I of Step 7
If the D input is a telephone number, it will be an input of a numeric key.
To input the amount of money to be transferred in step 8, the amount of money to be transferred is input by using the numeric keys. In the input item confirmation in step 9, all the items input up to that point are displayed in the guidance to confirm whether or not there is an error.

Although the input operation has been described above, it is expected that the operation is considerably difficult for a general person, it takes time, and the number of input errors increases.

In order to simplify these inputs, the present invention issues a magnetic card (hereinafter referred to as a transfer card) to a customer in which necessary data is recorded in steps 2 to 7 of FIG. 3 in advance. Okay, this is a magnetic card R / W at the time of transaction
By inserting and reading (step 3 ′,
4 '), the input of steps 2 to 7 in FIG. 3 is omitted.

In FIG. 4, 21 is a transfer card used for inputting the transfer destination, 58 is an external storage device (for example, a magnetic disk, etc.), and 23 is a guidance display.

In the transfer card 21, as shown in the figure, the name of the customer (transfer requester), the IDNO (phone number), the US (unit separator) code, and the bank code of the second party (one of the transfer recipients) ( Record the number of your account number, your name, your US, and the bank code of your account (the other one of the payees), your account number, your name, the US, and so on. . On the other hand, in the external storage device 58, a bank name file is stored so that it can be searched by the coded code on the card. For example, in the example of FIG. 4, all bank branch names nationwide are memorized, such as B bank X branch name searched by B's bank code or △ Bank ○ branch name searched by 丙 's bank code. I will let you.

Next, a method of conducting a transfer transaction using the transfer card in the ATM shown in FIG. 1 will be described with reference to FIGS. 3 and 4.

The transaction customer selects the transfer operation in step 1 of FIG. This selection puts the ATM in the transfer business mode. As a result, the ATM displays on the guidance display prompting the insertion of the transfer card. next,
The customer inserts the transfer card in step 3 '. This transfer card has recorded therein information necessary for a transfer transaction, as in the example shown in FIG. When the magnetic card R / W 51 reads the transfer card, the control unit 50 causes the guidance display 56 to display the screen 23 shown in FIG. In this case, the bank branch name is read from the external storage device 58 and displayed by the bank code read from the transfer card. The account number displays the recorded contents on the card. The name of the transfer destination also displays the contents of the card. In the example of this figure, two, Otsu and Hei, are shown. The name and telephone number of the transfer requester (A) are also displayed. According to the display guidance, the trader selects a desired transfer destination from the displayed transfer destinations (transfer destination selection 4 '). With the operations up to this point, the input of steps 2 to 7 is easily completed. Next, the customer inputs the transfer amount and confirms the input items in steps 8 and 9. At this time, the display of the transfer destination is only one transfer destination selected by the customer, and when the transaction customer confirms, the process proceeds to step 10 to deposit cash into the banknote deposit mechanism. The inserted banknotes are counted by the banknote depositing mechanism and are matched with the already input transfer amount. If they are matched, center transmission is performed via the communication control unit 57 (step 11). In the center, the exchange process is performed and the receipt is returned to the ATM according to the transmitted contents. Upon receipt of this, the ATM prints and releases the transaction statement. Traders step
At 12, 12 ', you receive the handling statement and the payee card and one transaction ends.

〔The invention's effect〕

As is clear from the above description of the embodiment, according to the present invention, the operation is simple, there is no input error, and the ATM is easy for a person who makes a remittance transaction to several customers.
This also has the effect of shortening the occupation time of.

[Brief description of drawings]

FIG. 1 is a block diagram of ATM, FIG. 2 is an explanatory diagram of transfer transaction,
FIG. 3 is an input item of a customer in a transfer transaction, and FIG. 4 is an explanatory diagram of a transfer card. 21 ... Transfer card, 58 ... External storage device, 23 ... Guidance display.

Claims (1)

[Claims] 1. A guidance display device for giving an operation message to a customer, an operation means for inputting transaction information, and a means for reading information from a transaction medium inserted by the customer.
Banknote processing means, communication control means for communicating data between the central device, an external storage device for storing the bank name and branch name corresponding to the bank account code, and for controlling these elements The transaction medium includes a name of the owner, information indicating bank codes and transfer recipient names of a plurality of pre-registered transfer destinations, and the information reading means includes the control medium. When the information is read from the above, the control means reads out the bank name and branch name corresponding to each bank code from the external storage device, combines this with the respective transfer recipient names, and uses the guidance as guidance for the transfer destination selection instruction. An automatic transaction device characterized in that it is displayed on a display device and one bank account selected by a customer is used as a transfer destination to execute a transfer process.