JP3616883B2 - Automated trading system - Google Patents

Description

[0001]
[Industrial application fields]
The present invention relates to a cash service (hereinafter referred to as a CS corner) such as a financial institution, an automatic transaction apparatus installed in a sales office, and a system surrounding the automatic transaction apparatus.
[0002]
[Prior art]
Conventionally, the payment of public fees such as property tax, national health, and automobile tax is handled at the financial institution's window, and the processing is performed according to the following procedure.
That is, each public organization sends a payment notice to the payer as a sealed letter when it is time to store the utility bill. This payment notice differs depending on the type of utility charge, and the storage time is also different.
[0003]
The payer presents the payment notice and cash to the financial institution by the designated date, and informs the person in charge that payment is to be made.
In accordance with the payment notice presented, the window person in charge keys information necessary for the payment process from the window terminal, and transfers cash to the public bill account (window information process). Furthermore, a receipt stamp is attached to the receipt attached to the payment notice, and the receipt is separated and returned to the payer together with change etc. (cash processing at the counter).
[0004]
Information input from the window terminal is notified to the host computer of the financial institution, and the information is recorded on a recording medium such as a magnetic tape in a format in accordance with a common format with the host computer of the public organization.
This recording medium is transported from a financial institution to a center having a public organization host computer on a predetermined date, and the information on the recording medium is called by the public organization and the information for each payer is updated based on this information. It was.
[0005]
[Problems to be solved by the invention]
However, in the above-described paying process of public charges at the counter, there is a keystroke process for the counter terminal of the counter person in charge, which is a troublesome task for financial institutions. In order to perform the key-pressing process quickly and smoothly without fail, a specialized worker is required, so it takes time to train personnel.
[0006]
In addition, the payment process of public charges at the window is one of the causes that increase the difference between the busy and quiet hours of the window. In other words, payment dates for public utilities are fixed, but payment periods for multiple public utilities may overlap. You will not be able to catch up, and there will be a delay in the counter services other than the utility payment process, such as opening a new account or accepting loan consultations.
[0007]
Furthermore, convenience is low because the payment time is limited. In other words, the payment process for public utilities is limited to the business hours of the financial institution, which is a source of dissatisfaction for customers and may be perceived as a service deterioration on the financial institution side.
Moreover, the public organization side must issue a payment notice, but since the amount of information to be recorded is large, it must be mailed using a sealed letter, resulting in high costs.
[0008]
In order to solve such a problem, development of an automatic transaction apparatus dedicated to payment processing is considered.
This automatic transaction apparatus for paying public utility charges obtains necessary information by directly accessing a payment notice issued by a public entity. For example, a bar code or magnetic recording unit that records information such as payer's identification information and payment amount is provided in the payment notice, and the information is read by a reading unit corresponding to these information recording units, or a character such as OCR is read Information is obtained by reading text information such as the amount of payment written using the device.
[0009]
Then, using the information obtained from the payment notice, a transfer process is performed on the transaction account of the public entity held by the financial institution.
This transfer process is performed on the host computer of the financial institution, and for public organizations, the magnetic recording tape created by the financial institution is collected on the date agreed between the financial institution and the public organization. To the public body along with the payment notice.
[0010]
Public organizations update the information on the host computer with these magnetic recording tapes and payment notices.
However, even with such an automatic transaction device for paying public charges, work such as creation of magnetic recording tape necessary for updating information of the host computer of public organizations and sorting of payment notices for each subject It is necessary to intervene manpower, and the labor on the financial institution side is not reduced.
[0011]
In addition, the magnetic recording tape needs to extract only information managed by the public organization, and it is not cost-effective to allocate personnel to this work for the public bill payment processing with a small transaction ratio.
Furthermore, when sorting out payment notices with an automatic transaction device, it is difficult to secure a stacker section that can classify all kinds of notices, so some notices will be mixed and eventually transfer Notification work remains.
[0012]
In addition, since the payment notice forms and forms vary, it is difficult to develop an automatic transaction apparatus that can handle various notice forms.
Furthermore, it is impossible to reduce the cost of the payment notice.
Due to these problems, the automatic transaction apparatus for paying public charges is not widespread, and the process of paying public charges at the counter continues.
[0013]
[Means for Solving the Problems]
In order to solve the above-described problems, the present invention Automatic trading system The public corporation To the body Public utility fee to be paid and amount paid Have Public entity host computer that manages customer-specific utility bill information, and customer account number and balance Have A financial institution host computer that manages information and the amount paid to public organizations, and is connected to the public organization host computer and the financial institution host computer online, and performs various transactions such as payment, payment, and transfer by customer operations. Resident card with at least personal identification information required to access utility bill information managed by the public entity host computer. Insert Resident card The personal confirmation read from information To the public entity host computer, obtain utility fee information from the public entity host computer, and display the obtained utility fee information to the customer. Pay utility bills Show Automatic transaction equipment The automatic transaction device sends the resident card to the temporary holding unit and holds it, then inserts the cash card and reads the information read from the cash card when paying the utility bill by transferring from the account. When sent to the financial institution host computer and transferred by the financial institution host computer, the resident card and the cash card are returned to the customer. .
[0014]
[Action]
The present invention having the above-described configuration is configured to perform a utility fee payment transaction in addition to a normal transaction in an automatic transaction apparatus. When a customer selects a utility fee payment transaction, a resident card is taken in.
The automatic transaction apparatus reads the information necessary for collation and identification of the customer (the payer when viewed from the public organization) from the captured resident card and sends it to the public organization host computer.
[0015]
The public organization host computer searches the information sent from the automatic transaction apparatus for public fee information including the subject to be paid by the corresponding customer and the amount paid, and sends it to the automatic transaction apparatus.
The automatic transaction apparatus displays and outputs public utility information sent from the public utility host computer, and allows the customer to confirm.
[0016]
When the customer confirms the contents and performs the payment process, for example, if the payment is made with cash, the cash processing apparatus mounted on the automatic transaction apparatus takes the cash, performs the counting, and the counting result is the financial institution host computer. Send to.
The financial institution host computer transfers money to the public organization account based on the sent information, and sends the result to the public organization host computer. In response to this result, the public organization host computer updates the utility charge information of the corresponding customer.
[0017]
In addition, for customers who have an account at a financial institution, it is possible to make a payment using, for example, a cash card, and the customer's account is verified by sending the information stored in the cash card to the financial institution host computer. The financial institution host computer then transfers the account from the customer's account to the public organization account and sends the result to the public organization host computer. In response to this result, the public organization host computer updates the utility charge information of the corresponding customer.
[0018]
【Example】
FIG. 1 is a control block diagram of an automatic transaction system in an embodiment of the present invention.
In the figure, reference numeral 1 denotes a card reader unit which takes in and discharges a card and reads information recorded on the card.
FIG. 2 is a schematic configuration diagram of the card reader unit. 100 is a roller for carrying the card, 101 is a magnetic head for reading or writing magnetic information from a magnetic stripe provided on the card, and 102 is from an IC card. An IC card connector for reading information.
[0019]
Reference numeral 103 denotes an information reading unit, and information read from the captured card is read by the information reading unit 103. Reference numeral 104 denotes a card temporary holding unit. The card temporary holding unit 104 is provided continuously with the information reading unit 103, and conveys the card from which information has been read to the temporary holding unit 104. Another card can be taken into 103 and information can be read.
[0020]
Returning to FIG. 1, reference numeral 2 denotes a print output unit which prints the transaction result on the statement slip and discharges the statement slip.
Reference numeral 3 denotes a cash processing unit, which includes a banknote depositing / dispensing machine that performs banknote depositing / withdrawing processing and a coin depositing / dispensing machine that performs coin depositing / dispensing processing.
4 is a display output unit composed of a CRT display or the like, which displays an operation guidance screen along the flow of transactions using pictures and characters to the customer, displays transaction results such as amounts, and displays various keys. I do.
[0021]
Reference numeral 5 denotes an input unit composed of a touch panel or the like, and information is input by touching portions corresponding to various key displays on the display output unit 4.
6 is a main control unit, 6a is a storage unit that stores a program (command, data), etc. for operating the main control unit 6, and this main control unit 6 controls the various components to deposit, Execute various transactions such as payment, transfer, passbook entry, balance inquiry, replenishment of money, loading, and collection. Here, in this embodiment, in addition to the normal transaction function described above, a utility charge transaction control function is installed.
[0022]
This utility bill transaction control function uses the resident card issued by each public entity to obtain information necessary for verification and identification of the payer (hereinafter referred to as the customer as viewed from the financial institution). A function for reading by the card reader unit 1 and recognizing this, a function for communicating with a host computer held by each public entity, which will be described later, based on information read from a resident card, and the like Analyzing the received information and displaying it on the display output unit 4 or printing it on the print output unit 2, to the public organization account held by the financial institution based on the information sent from the host computer of each public organization It has a function to perform the payment process.
[0023]
Here, the above-mentioned resident card is issued by a public organization, and is composed of a magnetic card or an IC card, etc., in order to call public fee information held for each customer by each public organization. In addition, at least information necessary for collation and identification of the customer is recorded in a format conforming to a format determined by the public organization. As information necessary for collation and identification of this customer, for example, a resident individual code assigned to each customer on the public organization side is recorded. In addition, a personal identification number may be added to the individual resident code and recorded, and the personal identification number is recorded with a number of about four digits as requested by the customer.
[0024]
The main control unit 6 is determined by the public organization in addition to the function of reading and recognizing information recorded on the cash card or the like in a format according to the format determined by the financial institution. It has a function that makes it possible to read and recognize information recorded on a resident card in a format that conforms to the format.
Reference numeral 7 denotes an interface unit for connecting the automatic transaction apparatus 8 and the host device, and includes a financial institution host interface unit (hereinafter referred to as I / F unit) 7a for connecting to a host computer of a financial institution described later. A public organization host I / F unit 7b for connecting to a host computer of a public organization, which will be described later, is provided.
[0025]
Reference numeral 9 denotes a financial institution host computer connected to the automatic transaction apparatus 8 through a public line. The storage unit 10 holds information such as customer account numbers and balances, and holds a transaction account of a public organization. The main control unit 11 performs management such as updating of information in the storage unit 10 and an I / F unit 12 for connecting to the automatic transaction apparatus 8.
Reference numeral 13 denotes a public organization host computer connected to the automatic transaction apparatus 8 through a public line, and a storage unit 14 that holds utility fee information composed of a subject name, a payment amount, a payment deadline, and the like to be paid by the customer; It comprises a main control unit 15 that manages the search, transmission, update, etc. of the utility bill information held in the storage unit 14 and an I / F unit 16 for connecting to the automatic transaction apparatus 8.
[0026]
Here, by arranging a relay computer as a front-end processor in front of the public organization host computer 13, the automatic transaction apparatus 8 on the financial institution side, the financial institution host computer 9, and the public organization host computer 13 are largely converted. The financial institution can connect to the public organization host computer 13.
[0027]
A relay computer 17 is connected to the automatic transaction apparatus 8 through the lower I / F unit 18 and is connected to the public organization host computer 13 through the upper I / F unit 19.
Reference numeral 20 denotes a main control unit of the relay computer 17. The main control unit 20 performs communication protocol conversion, data conversion processing, and the like, and information sent from the automatic transaction apparatus 8 can be handled by the public organization host computer 13. The data is converted into a format and sent to the public organization host computer 13, and the information sent from the public organization host computer 13 is converted into a format that can be handled by the automatic transaction apparatus 8 and sent to the automatic transaction apparatus 8. Thereby, even if the format of the information sent from the automatic transaction apparatus 8 and the format of the information sent from the public organization host computer 13 are different, communication can be performed.
[0028]
In addition, the main control unit 20 outputs only information necessary for the public utility payment process from the sent information, and does not output other information. That is, of the information sent from the automatic transaction apparatus 8, only the information necessary for the public bill payment process is selected and sent to the public organization host computer 13 and sent from the public organization host computer 13. Of the information, only the information required for the utility charge payment process is selected and sent to the automatic transaction apparatus 8, so that the information held by the public organization host computer 13 can be used for the utility charge payment process. Information other than necessary information is not output prior to the relay computer 17, thereby improving security during communication.
[0029]
Reference numeral 21 denotes a storage unit that stores information necessary for the program and data conversion of the main control unit 20.
When the information is output by the automatic transaction apparatus 8, a function capable of changing the information to a format that can be handled by the public organization host computer 13 is added, or when the information is output by the public organization host computer 13. If a function for preventing output of information other than that required for the utility bill payment process is added, it is possible to directly connect the automatic transaction apparatus 8 and the public organization host computer 13 without using a relay computer. It becomes.
[0030]
3 and 4 are flowcharts showing the flow of the public utility payment process, and the operation of this embodiment will be described below.
First, in a state where no transaction is performed, the main control unit 6 displays a transaction selection screen on the display output unit 4, and the main control unit 6 waits for a customer to select a transaction (S1). FIG. 5 is an explanatory diagram showing an example of a transaction selection screen. In addition to ordinary transactions such as payment, deposit, balance inquiry, transfer, and passbook entry, a utility payment transaction can be selected. In other words, the display output unit 4 is controlled so that the “public utility payment” key display is performed, and when it is recognized from the output of the input unit 5 that the “public utility payment” key display location is touched, Processing to be described later is executed.
[0031]
When the utility payment transaction is selected (S2), the main control unit 6 displays an operation guidance screen for prompting insertion of a resident card on the display output unit 4 (S3).
When the resident card is inserted into the card reader unit 1, the main control unit 6 causes the resident card to read information necessary for collation and identification of the customer (S4), and causes the display output unit 4 to identify the resident card. An operation guidance screen that prompts the user to input is displayed (S5).
[0032]
When the personal identification number is input (S6), the main control unit 6 edits the personal identification number and the information necessary for collation and identification of the read customer and transmits them to the public organization host computer 13 (S7).
Here, when the relay computer 17 is arranged between the automatic transaction apparatus 8 and the public organization host computer 13, the information sent from the main control unit 6 to the public organization host computer 13 is the relay computer 17. Is converted into a format that can be handled by the main control unit 15 of the public organization host computer 13 and sent to the main control unit 15.
[0033]
In addition, information other than information necessary for collation and identification of the password and the customer is not sent to the main control unit 15.
When the main control unit 15 of the public organization host computer 13 receives a notification of the information necessary for collation and identification of the customer and the personal identification number from the automatic transaction apparatus 8, the main control unit 15 collates the personal identification number possessed by the main control unit 15 (S8), and if it is determined that the personal identification number is correct, the utility bill information of the corresponding customer stored in the storage unit 14 is searched and sent to the automatic transaction apparatus 8 (S9). ). Here, as the utility fee information, the name of the subject to be paid for each customer, the amount paid, etc. are stored, and when there are a plurality of subjects to be paid, all information is sent to the automatic transaction apparatus. If it is determined in the process of S8 that the password is incorrect, this is sent to the automatic transaction apparatus 8, and when the main control unit 6 of the automatic transaction apparatus 8 recognizes that the password is incorrect, a display output is made. The section 4 displays that the password is not correct (S10), and returns to the process of S5 to prompt the input of the password again.
[0034]
When the relay computer 17 is arranged between the automatic transaction apparatus 8 and the public organization host computer 13, information sent from the main control unit 15 to the automatic transaction apparatus 8 is the main information of the relay computer 17. The control unit 20 converts the format into a format that can be handled by the main control unit 6 of the automatic transaction apparatus 8 and sends the format to the main control unit 6.
Moreover, it is made not to send to the main control part 6 except the utility bill information required in order to perform a payment process with the automatic transaction apparatus 8. FIG.
[0035]
When the utility fee information is received from the public organization host computer 13, the main control unit 6 of the automatic transaction apparatus 8 displays the subject names that can be paid on the display output unit 4, and an operation guide that prompts the user to select which one to pay. A screen is displayed (S11).
FIG. 6 is an explanatory diagram showing an example of a transaction selection screen displayed when the utility fee information is received from the public organization host computer 13 as described above. Examples of the items to be paid include property tax, national health, When there is a car tax, the display output unit 4 is controlled to display the “property tax”, “national health”, and “car tax” keys, and which item is selected from the output of the input unit 5 The subject name is displayed as a key according to the number of subjects that can be paid, and the payment is made by pressing the desired key and pressing the confirmation key. The course has been selected.
[0036]
Thus, by operating the automatic transaction apparatus, the customer can grasp all the subjects to be paid from his / her utility fee information held by the public organization host computer 13, Customer service is improved by adding a function as an information terminal to an automatic transaction apparatus.
When the subject name to be paid is selected by the customer's operation, the main control unit 6 displays on the display output unit 4 an operation guidance screen that prompts the user to select a payment method (S12). Here, the transfer from the account using the cash card or the transfer by cash is selected.
[0037]
Here, the main control unit 6 of the automatic transaction apparatus 8 determines the subject name and the amount to be paid if there is one subject to be paid in accordance with the number of utility bill information sent from the public organization host computer 13. If there are multiple subjects to be displayed and paid, a plurality of subject names are displayed, and an arbitrary subject, for example, one, all or several subjects can be selected. When a plurality of subjects are selected, the total amount is calculated, the plurality of subjects are combined into one, the total amount is displayed, and the transaction with the customer is performed at that amount.
[0038]
Even when a plurality of subjects are selected, the main control unit 6 of the automatic transaction apparatus 8 delivers information to the main control unit 15 of the public organization host computer 13 for each individual subject. Thereby, customer service is improved without changing the system on the public organization host computer 13 side.
When the customer selects a transaction using a cash card (S13), the main control unit 6 of the automatic transaction apparatus 8 sends the captured resident card to the card temporary holding unit 104 described with reference to FIG. 4 displays an operation guidance screen prompting insertion of a cash card (S14).
[0039]
When the cash card is inserted into the card reader unit 1, the main control unit 6 causes the financial institution to read information necessary for customer verification and recognition from the cash card (S15), and the display output unit 4 causes the cash card to be read. An operation guidance screen for prompting the input of the personal identification number is displayed (S16).
When the personal identification number is input (S17), the main control unit 6 edits it and transmits it to the financial institution host computer 9 (S18).
[0040]
When the main control unit 11 of the financial institution host computer 9 receives the notification of the personal identification number from the automatic transaction apparatus 8, it determines whether it is correct (S19), and if it determines that the personal identification number is correct, The fact is sent to the automatic transaction apparatus 8. If it is determined in the process of S19 that the personal identification number is not correct, this is sent to the automatic transaction apparatus 8. When the main control unit 6 of the automatic transaction apparatus 8 recognizes that the personal identification number is incorrect, a display output is made. The section 4 displays that the password is not correct (S20) and prompts the user to re-enter the password.
[0041]
When the main control unit 6 of the automatic transaction apparatus 8 receives the notification of the password verification OK from the financial institution host computer 9 and recognizes that the password is correct, the main output unit 6 displays the payment amount on the display output unit 4 and An operation guidance screen that prompts the user to determine whether or not to continue the transaction with the paid amount is displayed (S21).
If the customer determines that the transaction is to be continued with the displayed payment amount (S22), the main control unit 6 notifies the financial institution host computer 9 to that effect and executes a withdrawal process (S23).
[0042]
When the main control unit 11 of the financial institution host computer 9 receives an instruction to execute the withdrawal process from the automatic transaction apparatus 8, the main control unit 11 transfers the payment amount from the corresponding customer account held in the storage unit 10 to the transaction account of the public organization. Transfer, update the account data of the customer and the transaction account data of the public entity, and notify the automatic transaction apparatus 8 that the transfer has been performed normally (S24).
[0043]
When the main control device 6 of the automatic transaction apparatus 8 recognizes that the transfer to the transaction account of the public entity has been performed normally, it notifies the public entity host computer 13 that the transfer has been performed normally (S25). .
Here, when the relay computer 17 is arranged between the automatic transaction apparatus 8 and the public organization host computer 13, information from the automatic transaction apparatus is sent to the public group by the main control unit 20 of the relay computer 17. The data is converted into a format that can be handled by the main control unit 15 of the host computer 13 and sent to the main control unit 15.
[0044]
In addition, information other than necessary information is not sent to the main control unit 15.
When the main control unit 15 of the public group host computer 13 recognizes that the transfer to the public group's transaction account has been normally performed by the notification from the automatic transaction apparatus 8, it accepts the transfer and updates the data of the corresponding customer. Then, the automatic transaction apparatus 8 is notified (S26).
[0045]
Also at this time, when the relay computer 17 is arranged between the automatic transaction apparatus 8 and the public organization host computer 13, the information from the public organization host computer 13 is the main control unit 20 of the relay computer 17. Thus, the information is converted into a format that can be handled by the main control unit 6 of the automatic transaction apparatus 8 and sent to the main control unit 6, and only necessary information is not sent to the main control unit 6.
[0046]
When the main control unit 6 of the automatic transaction apparatus 8 recognizes that the data of the corresponding customer has been updated by the public entity host computer 13, it controls the print output unit 2 to generate a transaction statement as a substitute for the receipt. Printing is performed and the card is discharged to the customer (S27), and the card that has been taken in is discharged (S28). Here, when a cash card is used as described above, the cash card in the information reading unit 103 is first ejected and confirmed after receipt, and then the resident card in the card temporary storage unit 104 is ejected. To do.
[0047]
In this way, if the customer has an account with a financial institution, by transferring money from this account, it will be possible to pay utility bills without using cash, improving customer service and reducing service And the processing time can be shortened.
When the customer selects a transaction using cash in the processing of S12 and S13 described above, the main control unit 6 of the automatic transaction apparatus 8 displays an operation guidance screen that prompts the user to insert cash on the display output unit 4 (S29). ).
[0048]
When cash is inserted into the cash processing unit 3, the cash processing unit 3 takes it in and performs counting, and the counting result is notified to the main control unit 6 (S30).
When the main control unit 6 receives the count result notification, the main control unit 6 displays the count result and the payment amount on the display unit 4 and prompts the user to determine whether or not to continue the transaction with the payment amount (S31).
When the customer determines to continue the transaction with the displayed payment amount (S32), the main control unit 6 notifies the financial institution host computer 9 to that effect and executes the payment process (S33).
[0049]
When the main control unit 11 of the financial institution host computer 9 receives an instruction to execute the payment process from the automatic transaction apparatus 8, the main control unit 11 transfers the payment amount to the transaction account of the public entity held in the storage unit 10, and The transaction account data is updated, and the automatic transaction apparatus 8 is notified that the transfer has been normally performed (S34).
When the main control device 6 of the automatic transaction apparatus 8 recognizes that the transfer to the transaction account of the public organization has been performed normally, it notifies the public organization host computer 13 that the transfer has been performed normally (S35). .
[0050]
Here, when the relay computer 17 is arranged between the automatic transaction apparatus 8 and the public organization host computer 13, information from the automatic transaction apparatus is sent to the public group by the main control unit 20 of the relay computer 17. The data is converted into a format that can be handled by the main control unit 15 of the host computer 13 and sent to the main control unit 15.
In addition, information other than necessary information is not sent to the main control unit 15.
[0051]
When the main control unit 15 of the public organization host computer 13 recognizes that the transfer to the transaction account of the public organization has been performed normally by the notification from the automatic transaction apparatus 8, it accepts the transfer and updates the data of the corresponding customer. Then, the automatic transaction apparatus 8 is notified (S36).
Also at this time, when the relay computer 17 is arranged between the automatic transaction apparatus 8 and the public organization host computer 13, the information from the public organization host computer 13 is the main control unit 20 of the relay computer 17. Thus, the information is converted into a format that can be handled by the main control unit 6 of the automatic transaction apparatus 8 and sent to the main control unit 6, and only necessary information is not sent to the main control unit 6.
[0052]
When the main control unit 6 of the automatic transaction apparatus 8 recognizes that the data of the corresponding customer has been updated in the public organization host computer 13, if there is a change, it releases it (S37). The print output unit 2 is controlled to print a transaction statement slip as a substitute for a receipt, which is then discharged to the customer (S27), and the captured resident card is discharged (S28).
[0053]
If it is determined that the transaction with the cash input by the customer is interrupted in the process of S32, the taken-in cash is returned (S38), and a determination is made as to whether or not to continue the transaction (S39).
If it is determined that the transaction is not continued, the transaction is canceled, and if it is determined that the transaction is continued, the process from S29 is repeated to make a cash input request.
[0054]
In this way, by making payment processing with cash, even customers who do not have an account can operate the automatic transaction device to pay the utility bill, so that many customers can use the automatic transaction device Therefore, the window work can be reduced.
As described above, in the payment process of public charges, the right to access the public charge information managed by the public organization host computer 13 is generated based on the information read from the resident card by the automatic transaction apparatus 8 and the password entered by the customer. When the information required by the customer and the information required by the public organization host computer 13 are obtained, and the customer confirms the contents of the utility fee information sent from the public organization host computer 13 Therefore, it is possible to process the payment of public utility charges without fail.
[0055]
In addition, even if there are multiple subjects to be paid, payment can be done with a single process, so the customer can repeat the same operation over and over again without having to go many times, The service can be improved and the processing speed can be increased.
FIG. 7 is a control block diagram of an automatic transaction system in another embodiment of the present invention.
[0056]
In this embodiment, a public organization host computer is connected to an automatic transaction apparatus via a financial institution host computer, and the same components as those in FIG.
1 is a card reader unit for reading information from a card and loading / unloading a card, 2 is a print output unit for printing on a statement slip and discharging a statement slip, and 3 is a cash processing unit for depositing / withdrawing bills and coins Reference numeral 4 denotes a display output unit composed of a CRT display or the like, and 5 denotes an input unit composed of a touch panel or the like.
[0057]
A main control unit 31 controls the various components to execute various transactions such as payment, payment, transfer, bankbook entry, balance inquiry, money replenishment, loading, and collection. Here, in this embodiment, in addition to the normal transaction function described above, a utility charge transaction control function is installed.
This utility charge transaction control function is a function that allows the card reader unit 1 to read and recognize information necessary for customer verification and identification from the resident card issued by each public entity, information read from the resident card, etc. Based on the above, the function of communicating with the public organization host computer 13 via the financial institution host computer 9, the information sent from the public organization host computer 13 via the financial institution host computer 9 is analyzed and the display output unit 4 Or a function for printing with the print output unit 2 and information sent from the public organization host computer 13 through the financial institution host computer 9 to the public organization account held by the financial institution host computer 9. A function to perform payment processing is provided.
[0058]
Reference numeral 7 a denotes a financial institution host I / F unit for connecting the automatic transaction apparatus 8 to the financial institution host computer 9.
The above-described financial institution host computer 9 holds information such as customer account numbers and balances, and manages the storage unit 10 that holds a transaction account of a public organization, and updates of information in the storage unit 10. A main control unit 32, an I / F unit 12 for connecting to the automatic transaction apparatus 8, and a public organization host I / F unit 33 for connecting to the public organization host computer 13 are provided.
[0059]
Here, the main control unit 32 sends the information sent from the automatic transaction apparatus 8 to the public organization host computer 13 and also sends the information sent from the public organization host computer 13 to the corresponding automatic transaction apparatus 8. It has a function.
At this time, when an instruction command indicating where to send this information is added to the received information, the information is output to a predetermined destination according to the command, and the instruction command of the transmission destination is not added to the received information In this case, the content of the received information is analyzed, the transmission destination is determined according to the content, and the information is output to this transmission destination.
That is, a function for adding an instruction command for sending information to the public organization host computer 13 when sending information to the financial institution host computer 9 is provided in the communication function of the main control unit 31 of the automatic transaction apparatus 8. In this case, the communication function of the main control unit 32 of the financial institution host computer 9 analyzes this instruction command and outputs information according to the contents.
[0060]
If the communication function of the main control unit 31 sends information to the financial institution host computer 9 and does not add an instruction command to send this information to the financial institution host computer 9, the communication of the main control unit 32 of the financial institution host computer 9 The function analyzes the contents of the sent information, determines the destination according to the contents of the information, and outputs the information here if the destination is the public organization host computer 13.
[0061]
The public organization host computer 13 retrieves and sends out the utility fee information stored in the storage unit 14 and the storage unit 14 that holds the utility fee information including the subject name, payment amount, payment deadline, etc. , Update, etc., and a main control unit 15 and an I / F unit 16 for connecting to the automatic transaction apparatus 8.
Here, by arranging the relay computer 17 as a front-end processor in front of the public organization host computer 13, the automatic transaction apparatus 8 on the financial institution side, the financial institution host computer 9, and the public organization host computer 13 are largely converted. In this case, the financial institution can connect to the public organization host computer 13.
[0062]
The relay computer 17 is connected to the financial institution host computer 9 through the lower I / F unit 18 and is connected to the public organization host computer 13 through the upper I / F unit 19.
Reference numeral 20 denotes a main control unit of the relay computer 17, which performs communication protocol conversion, data conversion processing, output processing of information necessary for public utility payment processing from sent information, and the like. Even if the information sent from the financial institution host computer 9 and the information sent from the public organization host computer 13 are different in format, communication is possible, and among the information held by the public organization host computer 13 In addition, information other than information necessary for the utility bill payment process is not output before the relay computer 17, thereby improving the security during communication.
[0063]
Reference numeral 21 denotes a storage unit that stores information necessary for the program and data conversion of the main control unit 20.
When outputting information at the financial institution host computer 9, a function for changing the information to a format that can be handled by the public organization host computer 13 is added, or when information is output at the public organization host computer 13. If a function for preventing output of information other than that necessary for the utility payment process is added, the financial institution host computer 9 and the public organization host computer 13 can be directly connected without the relay computer. Is also possible.
[0064]
The operation in the above embodiment will be described below.
First, in a state where no transaction is performed, the main control unit 31 displays a transaction selection screen on the display output unit 4, and the main control unit 31 waits for a transaction selection by a customer. When the utility payment transaction is selected, the main control unit 31 displays an operation guidance screen that prompts the display output unit 4 to insert a resident card.
[0065]
When the resident card is inserted into the card reader unit 1, the main control unit 31 causes the resident card to read information necessary for collation and identification of the customer, and inputs the resident card password to the display output unit 4. Display the prompting operation prompt screen.
When the personal identification number is input, the main control unit 31 edits the personal identification number and the information necessary for collation and identification of the read customer and transmits them to the financial institution host computer 9.
[0066]
When the main control unit 32 of the financial institution host computer 9 receives information from the automatic transaction apparatus 8, the main control unit 32 determines the transmission destination of this information, and if it determines that the transmission destination is the public organization host computer 13, the main control unit 32 It transmits to the host computer 13.
When the main control unit 15 of the public organization host computer 13 receives a notification of information necessary for collation and identification of the customer and a personal identification number from the automatic transaction apparatus 8 via the financial institution host computer 9, the personal identification unit possessed by the main control unit 15 If it is determined that the password is correct by comparing with the number, and if the password is determined to be correct, the utility bill information of the corresponding customer stored in the storage unit 14 is retrieved, and this is stored in the financial institution host. Send to computer 9. When the main control unit 32 of the financial institution host computer 9 receives information from the public organization host computer 13, it determines the transmission destination of this information, and when it is determined that the transmission destination is the automatic transaction apparatus 8, Transmit to transaction device 8.
[0067]
Here, as the utility fee information, the name of the subject to be paid for each customer, the amount paid, etc. are stored, and when there are a plurality of subjects to be paid, all information is sent to the automatic transaction apparatus. If it is determined in the password verification process that the password is not correct, this is sent to the automatic transaction apparatus 8 via the financial institution host computer 9, and the main control unit 31 of the automatic transaction apparatus 8 corrects the password. When it is recognized that there is no password, the display output unit 4 displays that the password is not correct and prompts the user to re-enter the password.
[0068]
When the utility fee information is received from the public organization host computer 13, the main control unit 31 of the automatic transaction apparatus 8 displays the subject name that can be paid on the display output unit 4, and an operation guide that prompts the user to select which one to pay. Display the screen.
When the subject name to be paid is selected by the customer's operation, the main control unit 31 displays an operation guidance screen that prompts the display output unit 4 to select a payment method. Here, the transfer from the account using the cash card or the transfer by cash is selected.
[0069]
Here, the main control unit 31 of the automatic transaction apparatus 8 determines the subject name and the amount to be paid if there is one subject to be paid in accordance with the number of utility bill information sent from the public organization host computer 13. If there are multiple subjects to be displayed and paid, multiple subject names are displayed, and multiple subjects can be selected from these names. If multiple subjects are selected, By calculating the total amount, a plurality of subjects are combined into one, the total amount is displayed, and transactions with customers are performed at that amount. Even when a plurality of subjects are selected, the main control unit 31 of the automatic transaction apparatus 8 delivers information to the main control unit 15 of the public organization host computer 13 for each individual subject.
[0070]
When the customer selects a transaction using a cash card, the main control unit 31 of the automatic transaction apparatus 8 sends the captured resident card to the card temporary holding unit 104 described with reference to FIG. Displays an operation guidance screen that prompts the user to insert a card.
When the cash card is inserted into the card reader unit 1, the main control unit 31 causes the financial institution to read information necessary for customer verification and recognition from the cash card, and causes the display output unit 4 to identify the cash card PIN. An operation guidance screen that prompts the user to input is displayed.
[0071]
When the personal identification number is input, the main control unit 31 edits it and transmits it to the financial institution host computer 9.
When the main control unit 32 of the financial institution host computer 9 receives the notification of the personal identification number from the automatic transaction apparatus 8, the main control unit 32 determines whether the personal identification number is correct. Send to transaction device 8. If it is determined that the personal identification number is not correct in the personal identification number collation process, this is sent to the automatic transaction apparatus 8, and when the main control unit 31 of the automatic transaction apparatus 8 recognizes that the personal identification number is incorrect, a display output is made. The section 4 displays that the password is not correct and prompts the user to re-enter the password.
[0072]
When the main control unit 31 of the automatic transaction apparatus 8 receives the notification of the password verification OK from the financial institution host computer 9 and recognizes that the password is correct, it displays the amount paid in on the display output unit 4 and An operation guidance screen that prompts the user to determine whether or not to continue the transaction with the paid amount is displayed.
When the customer determines to continue the transaction with the displayed payment amount, the main control unit 31 notifies the financial institution host computer 9 to that effect and causes the withdrawal process to be executed.
[0073]
When the main control unit 32 of the financial institution host computer 9 receives an instruction to execute the withdrawal process from the automatic transaction apparatus 8, the payment amount is transferred from the corresponding customer account held in the storage unit 10 to the transaction account of the public organization, The customer account data and the public group transaction account data are updated, and the public group host computer 13 is notified that the transfer has been performed normally.
[0074]
When the main control unit 15 of the public organization host computer 13 recognizes that the transfer to the business account of the public organization has been normally performed based on the notification from the financial institution host computer 9, the main control unit 15 accepts the transfer and stores the data of the corresponding customer. Update and notify the financial institution host computer 9.
Then, the main control unit 32 of the financial institution host computer 9 notifies the corresponding automatic transaction apparatus 8 of the information sent from the public organization host computer 13.
[0075]
When the main control unit 31 of the automatic transaction apparatus 8 recognizes that the data of the corresponding customer has been updated by the public organization host computer 13, it controls the print output unit 2 to generate a transaction statement as a substitute for the receipt. It prints and discharges it to the customer, and also discharges the card that has been taken in. Here, when a cash card is used as described above, the cash card in the information reading unit 103 is first ejected and confirmed after receipt, and then the resident card in the card temporary storage unit 104 is ejected. To do.
[0076]
When the customer selects a transaction using cash, the main control unit 31 of the automatic transaction apparatus 8 displays an operation guidance screen that prompts the display output unit 4 to insert cash.
When cash is inserted into the cash processing unit 3, the cash processing unit 3 takes it in and performs counting, and the counting result is notified to the main control unit 31.
When the main control unit 31 receives the count result notification, the main control unit 31 displays the count result and the paid-in amount on the display unit 4 and prompts the user to determine whether or not to continue the transaction with the paid-in amount.
[0077]
When the customer determines to continue the transaction with the displayed payment amount, the main control unit 31 notifies the financial institution host computer 9 to that effect and causes the payment process to be executed.
When the main control unit 32 of the financial institution host computer 9 receives an instruction to execute the payment process from the automatic transaction apparatus 8, the main control unit 32 transfers the payment amount to the transaction account of the public entity held in the storage unit 10. The data is updated to notify the public organization host computer 13 that the transfer has been made normally.
[0078]
When the main control unit 15 of the public organization host computer 13 recognizes that the transfer to the public account of the public organization has been normally made by the notification from the financial institution host computer 9, the main control unit 15 accepts the transfer and receives the corresponding customer data. Update and notify the financial institution host computer 9.
Then, the main control unit 32 of the financial institution host computer 9 notifies the corresponding automatic transaction apparatus 8 of the information sent from the public organization host computer 13.
[0079]
When the main control unit 31 of the automatic transaction apparatus 8 recognizes that the data of the corresponding customer has been updated by the public organization host computer 13, it releases the change if it is present, and then prints out the output unit. The transaction statement slip is printed as a substitute for the receipt by controlling 2 and discharged to the customer, and the resident card that has been taken in is discharged.
In each of the above embodiments, the personal identification number is collated by the public organization host computer 13, but the personal identification number is collated by the automatic transaction apparatus 8 by recording the personal identification number on the resident card. The number of communications with the public organization host computer 13 can be reduced by collating the password with the automatic transaction apparatus 8.
[0080]
8-12 is explanatory drawing showing an example of the connection form of the automatic transaction apparatus 8 and the public organization host computer 13. FIG.
FIGS. 8 and 9 connect the automatic transaction apparatus 8 and the financial institution host computer 9 and also connect the automatic transaction apparatus 8 and the public organization host computer 13 directly. By providing an interface for computer connection, it becomes possible to connect the automatic transaction apparatus 8 and the public organization host computer 13, and it is not necessary to greatly modify the financial institution host computer 9. In addition, if the relay computer 17 is interposed between the automatic transaction apparatus 8 and the public organization host computer 13, it is possible to connect with minimum changes in software and to ensure the security of information. can do.
[0081]
FIGS. 10 and 11 connect the automatic transaction apparatus 8 and the financial institution host computer 9, and the financial institution host computer 9 is provided with an interface for connecting a public institution host computer. 13, and by interposing a financial institution host computer 9 between the automatic transaction apparatus 8 and the public entity host computer 13, the public transaction host 8 does not have an interface in each automatic transaction apparatus 8. The computer 13 can be connected. Further, if the relay computer 17 is interposed between the financial institution host computer 9 and the public organization host computer 13, it is possible to connect with minimal changes in software between them and to improve the security of information. Can be secured.
[0082]
FIG. 12 connects the automatic transaction apparatus 8 and the financial institution host computer 9, and the automatic transaction apparatus 8 includes an interface for connecting a public entity host computer to connect the automatic transaction apparatus 8 and the public entity host computer 13. Further, the financial institution host computer 9 is provided with an interface for connecting a public organization host computer, and the financial institution host computer 9 and the public organization host computer 13 are connected. Information required for calling the PIN code verification and utility fee information sent and the utility fee information sent from the public entity host computer 13 to the automatic transaction apparatus 8 are transmitted between the automatic transaction apparatus 8 and the public entity host computer 13. Payment processing that requires direct communication and cash movement Necessary information is obtained by the fact that communicates with and between the financial institution host computer 9 and governments host computer and the automated teller machine 8 and the financial institution host computer 9. Thus, when the public entity host computer notifies the public entity host computer of information necessary for specifying the customer, the financial institution host computer can be used without intervention of the financial institution host computer. When notifying a public organization host computer that payment has been made from a computer, it can be performed without an automatic transaction apparatus, so the burden on each apparatus during communication can be reduced.
[0083]
Tax payment can be notified by phone or fucksimiri, but can also be notified by postcard. At this time, if there is a concern that the amount of money will be known to a third party, a payment notice in the form of a postcard folded in two and pasted together can be considered.
[0084]
【The invention's effect】
As described above, the present invention makes it possible to read information necessary for collation and identification of a customer from a resident card issued by a public entity in an automatic transaction apparatus, as well as an automatic transaction apparatus, a financial institution host computer, and a public Communicates with the organization host computer, outputs the utility fee information sent from the public organization host computer to the customer with the automatic transaction device, confirms the utility fee information, and the customer operates the automatic transaction device Then, the financial institution host computer makes a transfer to the public organization account, sends the result to the public organization host computer, and the public organization host computer receives the result and updates the public bill information of the corresponding customer. So, it is possible to pay utility bills using automatic transaction equipment and reduce counter work Monitor, because the payment is made possible even outside office hours, it is possible to achieve an extension of the payment acceptance time.
[0085]
In addition, since it is possible to pay public charges using an automatic transaction device installed at financial institutions that can perform transactions such as payment, payment, and transfer by customer operation, the automatic transaction device can be used effectively, Since it is not necessary to install a new dedicated payment machine, space can be saved.
Furthermore, it is easy to perform the operation because payment can be made by an automatic transaction apparatus normally used by a customer.
[0086]
Further, since customer information of the public organization host computer is updated at the time of payment using the automatic transaction apparatus, it is not necessary to intervene manually, and labor saving can be achieved.
In addition, since the utility bill information owned by the public organization host computer that was conventionally printed out and sent to the payment notice is output from the automatic transaction device, the content printed on the payment notice is reduced. As a result, it is possible to replace what was conventionally a sealed letter with a postcard, or to reduce the cost for sending a payment notice by simplifying the printing contents and reducing the printing cost.
[Brief description of the drawings]
FIG. 1 is a control block diagram of an automatic transaction system in an embodiment of the present invention.
FIG. 2 is a schematic configuration diagram of a card reader unit.
FIG. 3 is a flowchart showing a flow of a utility bill transfer process.
FIG. 4 is a flowchart showing a flow of a public bill transfer process.
FIG. 5 is an explanatory diagram illustrating an example of a transaction selection screen.
FIG. 6 is an explanatory diagram illustrating an example of a transaction selection screen.
FIG. 7 is a control block diagram of an automatic transaction system according to another embodiment of the present invention.
FIG. 8 is an explanatory diagram showing an example of a connection form between an automatic transaction apparatus and a public organization host computer.
FIG. 9 is an explanatory diagram showing an example of a connection form between an automatic transaction apparatus and a public organization host computer.
FIG. 10 is an explanatory diagram showing an example of a connection form between an automatic transaction apparatus and a public organization host computer.
FIG. 11 is an explanatory diagram showing an example of a connection form between an automatic transaction apparatus and a public organization host computer.
FIG. 12 is an explanatory diagram showing an example of a connection form between an automatic transaction apparatus and a public organization host computer.
[Explanation of symbols]
1 Card reader
4 Display output section
6 Main control unit
7b Public organization host I / F department
9 Financial institution host computer
13 Public organization host computer

Claims (12)

And public organizations host computer to manage the customer-specific public fee information with the subjects and pay the amount of utility bills to pay to Kokyodan body,
A financial institution host computer that manages information including customer account numbers and balances and manages the amount paid to public organizations;
An individual who is connected to the public organization host computer and the financial institution host computer online, performs various transactions such as payment, payment, and transfer by the operation of the customer, and accesses public fee information managed by the public organization host computer. Insert a resident card in which at least confirmation information is recorded, send the personal confirmation information read from the resident card to the public entity host computer, obtain utility fee information from the public entity host computer, and obtain the acquired utility fee information become more and an automatic teller machine to I line the payment of public prices displayed on the customer,
When paying utility bills by transferring from an account, the automatic transaction apparatus sends the resident card to the temporary holding unit and holds it, then inserts the cash card and reads the information read from the cash card to the financial institution host. An automatic transaction system , wherein the resident card and the cash card are returned to a customer when transferred to a computer and transferred by a financial institution host computer . In the automatic transaction system according to claim 1,
A function of reading the personal confirmation information of the resident card into the automatic transaction apparatus; a function of accessing a public organization host computer based on the read personal confirmation information and acquiring utility fee information corresponding to the personal confirmation information ; A function for outputting the acquired utility bill information to the customer so as to be recognizable, and a function for performing a payment process based on the acquired utility bill information,
An automatic transaction system, wherein the public organization host computer has a function of updating utility fee information based on a result of payment processing sent from an automatic transaction apparatus or a financial institution host computer. In the automatic transaction system according to claim 1 or 2,
The automatic transaction apparatus includes a financial institution host computer connection interface and a public organization host computer connection interface, and determines a computer to be accessed by the automatic transaction apparatus and performs a payment process for a public bill. Automated trading system. In the automatic transaction system according to claim 1 or 2,
An automatic transaction system comprising an interface for connecting a public organization host computer to the financial institution host computer, wherein the automatic transaction apparatus and the public organization host computer are connected via the financial institution host computer. In the automatic transaction system according to claim 1 or 2,
The automatic transaction apparatus includes an interface for connecting a public entity host computer, and the financial institution host computer includes an interface for connecting a public entity host computer. The automatic transaction apparatus, the public entity host computer, the financial institution host computer, and the public entity host computer And an automatic transaction system characterized by connecting to each other. In the automatic transaction system according to claim 1 or 2,
An automatic transaction system characterized in that a relay computer is interposed on a line connected online to a public organization host computer. In the automatic transaction system according to claim 1,
The public organization host computer has a function of searching for public bill information of a corresponding customer based on information of a resident card sent from the automatic transaction apparatus, and sending this to the automatic transaction apparatus. Automated trading system. In the automatic transaction system according to claim 1,
The automatic transaction apparatus sends the personal information to the public organization host computer together with the personal confirmation information read from the resident card by allowing the customer to input the personal identification information ,
The said public organization host computer confirms the PIN information sent from the said automatic transaction apparatus, The public fee information applicable to the said personal confirmation information is sent to an automatic transaction apparatus, The automatic transaction system characterized by the above-mentioned . In the automatic transaction system according to claim 1,
The automatic payment system is characterized in that in the payment process, a payment amount is withdrawn from a customer account managed by a financial institution host computer and transferred to a public organization account. In the automatic transaction system according to claim 1,
The automatic transaction system is characterized in that in the payment process, cash introduced by a customer is captured by an automatic transaction apparatus, and the captured amount is managed as an amount paid to a public organization by a financial institution host computer. In the automatic transaction system according to claim 1,
Wherein the automatic transaction apparatus, when the subject to be paid is more in the obtained public charge information from governments host computer, a function which makes selecting the customer Nihi convex or a plurality of subjects,
When multiple subjects are selected, and the total payment amount of a plurality of subjects that have been selected, and a function to display the total price to the customer,
An automatic transaction system comprising a function of notifying a public organization host computer of a plurality of selected subjects for each subject . The automatic transaction system according to claim 11,
An automatic transaction system comprising a function for displaying, for each subject, a payment amount for a subject to be paid on the automatic transaction apparatus, and also displaying a total payment amount.

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