JPS60178578A - Transfer processing system - Google Patents

Abstract

PURPOSE:To facilitate transfer processing by showing a user the charge for the use of a transfer card. CONSTITUTION:An operation part 2 is formed on the front surface of a housing 1. A paper current insertion opening 3 with a door 4 which is opened and closed freely is provided on the horizontal surface of the operation part 3. Further, a color CRT display part 5 which incorporates a touch sensor is provided on the horizontal surface of the operation part 2. This CRT display part displays an operation procedure and other pieces of information in the form of an illustration, characters or sentences on the CRT display to guide a user, and a display part corresponding to a password number, the amount of money, or an account number, or the approval, confirmation, or cancellation of transaction is pressed to send a corresponding signal to a main control part. Further, the CRT display part 5 displays the guidance of transfer treatment using a card type medium.

Description

[Detailed Description of the Invention] This invention relates to a transfer processing method used in automatic transaction devices such as automatic teller machines that can transfer cash to other financial institutions. [Technical Background of the Invention] In recent years, A cash dispenser that accepts a magnetic card with account information submitted by a user and communicates with a host computer, automatically disbursing cash requested by the user;
Alternatively, there are automatic teller machines that automatically accept cash using magnetic passbooks with magnetic stripes that record account information, and automatic teller machines that combine both functions into one machine. Automated transaction devices are rapidly developing as automation equipment for bank counters, and are being introduced at banks to provide quick services to users.In addition, recently, the above-mentioned automated transaction devices have been used to accept and accept cash. Automatic transfer transactions have been developed and put into practical use, such as transferring cash to another bank account or transferring a predetermined amount from one's own account to another bank account using a card transaction.

[Problems with background technology]

However, in the case of the above, the transfer information for each transfer includes the amount to be transferred, the name of the financial institution to which the transfer is made, the name of the branch, the account number, the type of transfer, the name of the bank and the client, the i-story number, or the client. s name.

Account information and key human power (one must have 3).

Therefore, even when making periodic transfers to the same recipient, the above operations must be performed every time, making the operations complicated. For this reason, users avoided transferring money using automatic handling machines, which caused problems when trying to automate the transfer process.〇 [Object of the Invention] This invention was made in view of the above circumstances, and its purpose is to The object of the present invention is to provide a transfer processing method that can simplify the operation of transfer processing.

[Summary of the invention]

This invention issues a transfer card with the transfer information recorded at the time of a transfer transaction according to the user's selection, and also eliminates the use of a transfer card and instructions on how to use the transfer card, as well as fees and charges when conducting a transfer transaction using the transfer card. The system aims to automate the transfer operation by displaying a comparison of the fees for each case. Furthermore, when a transfer card is accepted, the transfer information recorded on the card is read, and the transfer transaction is performed based on this read information, as well as instructions for using the transfer card and fees for using the transfer card. The system aims to automate the transfer process by comparing and displaying the fees when not using a transfer card.

[Embodiments of the invention]

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

FIG. 1 shows an automatic transaction device according to the present invention. That is, an abbreviated operation s2 is formed on the front surface of the housing 1. A banknote insertion slot 3 is provided on the horizontal surface of the operation unit 2, in which a large number of banknotes to be transferred or transferred can be inserted at once, and change for the banknotes can be received. A door 4 is provided.
Furthermore, a color CRT display section 5 with a built-in touch sensor is provided on the horizontal surface of the operation section 2 . This CRT display unit 5 displays operating procedures and other information on the CRT screen in the form of illustrations, characters, or words to guide the user, and also displays the password, amount, and account number.

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

In addition, on the vertical surface of the operation unit 2, there is a card insertion slot 6 into which a magnetic card as a transaction medium in which account information such as a PIN number and account number is recorded is inserted, a passbook into which a bankbook or transfer card IO is inserted, and a bankbook into which a transfer card IO is inserted. A card insertion lower, a receipt output port 23 for issuing a receipt, a coin input port 8 for inserting coins, and a coin change receiving port 9 for receiving change for coins are provided.

As shown in Figures 3 and 4, the transfer card 10 has the name of the financial institution to which the transfer will be made, the name of the bank, the name of the bank, the name of the bank, and the name of the client as shown in Figures 3 and 4. name,
The fJt call number or client's name and account information are printed on it, and a magnetic stripe 32 on the back side is provided on which the above-mentioned transfer information is recorded.

By the way, as shown in FIG. 5, inside the housing 1 is a main control unit 11 that controls the entire system, which accepts a card inserted through the card insertion slot 6 and reads a PIN number, account number, etc. from the magnetic stripe on the card. A magnetic card reading section 12 reads the magnetic stripe of the passbook inserted from the above-mentioned passbook and transfer card insert] 7, records the details of the transaction on the passbook and journal paper, and also records the transfer information of the transfer transaction. A transfer card 10 printed and recorded 7 issued from a passbook or transfer card insertion lower, or a transfer card 1 inserted from a passbook or transfer card insertion lower.
0 magnetic stripe 32; a receipt printing unit 24 that issues a receipt on which the transaction result is printed from the receipt issuing port 23; a receipt printing unit 24 that accepts the bill inserted into the bill insertion slot 3; A deposit/withdrawal unit (14) that dispenses banknotes of the same amount into the banknote insertion slot 3.
, a coin deposit/withdrawal unit 15 that accepts coins inserted into the coin slot 8 and dispenses a designated amount of coins to the coin receiving slot 9, a customer service unit 16 constituted by the CRT display unit 5, not shown. A voice guidance unit 17 that provides voice guidance to customers through a speaker, an internal monitor 18 for staff, a floppy disk 19 that stores transaction data, etc., and a data transmission system between the main control section 11 and a host computer (not shown). Transmission control unit 20 to control
A built-in power supply section 21 is provided. Further, the main control unit 11 is connected to a remote monitor 22 for use by a staff member provided outside.

The above-mentioned passbook printing section 13 is configured as shown in FIG. That is, a passbook or transfer card insertion lower is communicated with the front surface of the main body 42, and a detector 43 for optically detecting the inserted passbook or transfer card 10 is provided near the insertion lower. A conveyance path 44 is provided in a substantially horizontal state from the detector 43 toward the rear of the main body 42 . This conveyance path 44 includes drive rollers 45 .・
..., each of these rollers 45. . . . pinch rollers 46. ... and guide body 47.・It is composed of a pulse motor 48 via a belt tracker.
Driven by. Note that only the drive roller 45 located at the end of the conveyance path 44 is driven by a pulse motor 49 different from the motor 48. A magnetic head 50 as a magnetic reading/recording device is provided at the starting end of the transport 8844.

This magnetic head 50 is used to read or record information on the magnetic stripe of the accepted passbook or transfer card 10, and it contacts the magnetic stripe as necessary and moves along the magnetic stripe ( Reading or recording is performed by moving the bankbook or transfer card 10 (in a direction perpendicular to the direction of conveyance).

Further, a platen roller 54 is rotatably supported in the middle of the conveyance path 44 . This platen roller 54Kt
'i. An electromagnetic brake 55 is connected as a locking mechanism, and the action of this electromagnetic brake 55 locks the passbook or transfer card 10 while it is being handled, and allows it to rotate freely when printing journal paper 59, which will be described later. ing. A print head 56 is provided above the platen roller 54. This print head 56 is held by a carriage 57, and this carriage 57 is guided by a slide roller 58 and moved in the axial direction of the platen roller 54.Here, the platen roller 54 and the print head are moved. 56 etc. are passbooks.

Transfer card 10. A printing device 76 is configured to print predetermined information on the journal paper 59. However,
A roll of journal paper 59 is placed on the platen roller 54.
is wrapped around it.

This journal paper 59 is wound and held on a delivery shaft 60, is wound onto a take-up shaft 61 via a platen roller 54, and is conveyed by a feed roller 62 and a pinch roller 63. The winding shaft 61 and the feed roller 62
is driven by a pulse motor 64 via a belt;
A detector 65 is provided for optically detecting the transferred payment card or transfer card 10. Further, near the end of the conveyance path 44, a collection box 68 is provided to store the conveyed passbooks.

Further, near the end of the conveyance path 44, there is provided a storage section 69 in which transfer cards 10 on which transfer information is not printed or recorded are stored. They are taken out one by one,
It is supplied to a conveyance path 44.

Next, the transfer processing method of the present invention in such a configuration will be described with reference to the flowcharts shown in FIGS. 7(a) to (e) and the display examples of the CRT display unit shown in FIGS. 8(a) and (b). For example, a user stands in front of this device for 0 minutes. At this time, the CR7 display 5 will display the message ``Welcome, please specify the handling method'' and the selection keys for ``Withdrawal, Deposit, Balance Inquiry 1 Passbook Entry, Transfer'' will be displayed. (STI), and in response to this guidance, the user presses down on the part that says "Transfer" (STI).
2). As a result, the main control section 11 determines to proceed to the next processing step, and displays "Please press the type of transfer" on the CR7 display section 5, as well as "Cash,
Display the selection key for "Card withdrawal" (Sr1
). Next, the user presses the part labeled "Withdraw Card" according to the instructions (Sr1).

As a result, the main control unit 1111 determines that the transfer will be made by debiting the card, and displays the message "Please insert your card" on the CR7 display unit 5 (S T 5
). Next, the user follows the instructions and inserts the card into the card slot 6.
Insert the card into (ST 6). Then, the card is taken into the magnetic card reading section 12, and account information such as the PIN number 1 account number recorded on the magnetic stripe section is read by a magnetic head (not shown).

The above account information is checked by the main control section 11, and if it is determined that the card is incorrect, the main control section 11 performs error processing. If the main control unit 11 determines that the card is correct, it displays "Please press your password" on the CR7 display unit 5, as well as a numeric keypad and a correction key (ST7). Next, the user follows the instructions and inputs the PIN number by pressing down on the area where the numeric keypad is displayed (ST 8).
. By inputting this password, the main control unit 11 determines whether or not the passwords match, and if they do not match, performs a password re-input process. In addition, if the PIN numbers match, the main control unit 11 causes the CR7 display unit 5 to display “Please press the transfer amount” as well as a numeric keypad and an amount key (S
r9). Next, the user follows the instructions and inserts the amount to be transferred (STIO). By this input, the main control unit 1
1ijThe CRT display unit 5 displays the message ``Depending on whether the destination is registered or not, please press the registration key or insert your transfer card'' and display the registration key and the designated key (STII). Next, the user inserts the designated key according to the instructions (ST12) o When the main control unit 11 determines that the designated key has been inserted, CR1
The display section 5 displays "Please press the destination financial institution" (-) and displays the financial institution selection key (ST13). Following this guidance, the user presses the financial institution (ST14).

When the main control unit 11 determines that a list of branch names is possible by pressing this button, it displays a branch name selection key on the CRT display unit 26 saying, ``Press the name of the branch of the destination.'' (S
T15) Next, the user presses the branch name selection key according to the instructions (ST16). This press causes the HCRT display section 5 of the royal system pusher 11 to display "Please enter the destination account number and deposit type", as well as display the numeric keypad, correction key, normal key, and current key (ST17). Following this guidance, the user inputs the account number and deposit type (ST18).
``Please press the recipient's name'' is displayed on the display section 5, as well as the katakana key and the correction key.

Display the completion key (ST19) 0 Then, when the completion key is pressed (ST20), or when the main control unit 11 determines that the main/branch Please wait a moment" is displayed (RT21). In addition, the main control unit 11
sends and receives inquiry messages to and from the center, and causes the results to be printed on journal paper 59. Next, the main control unit 11
T. The display section 5 displays "Please confirm the details of the transfer" and also displays the details of the transfer, a confirmation key, and a cancellation key (ST22). Following this guide, the user inserts the confirmation key or cancellation key (ST
23).

When the main control unit 11 determines that the cancellation key should be input, a cancellation process is performed, and when it is determined that the confirmation key is input, the C
RT Display unit 5 will display “Currently processing the computer.
Please wait for a while" is displayed (ST24)
. The main control unit 11 also sends and receives the transfer message, and prints the result on the journal paper 59 using the printing device 76. Next, the main control section 11 causes the CR1 display section 5 to display the message "Do you need a transfer card? We recommend a transfer card for those who repeatedly make transfers to the same account" as shown in FIG. 8(a). At the same time, a list of fees comparing necessary keys, unnecessary keys, and fees for when the transfer card is used and when the transfer card is not used is displayed (S T 25). Following this guidance, the user presses the necessary key (ST26
). Then, the main control unit 11 flickers the charge display section corresponding to the transfer details to show the fee to the user, and the passbook print section 13 prints the name of the financial institution to which the transfer is to be made, as the transfer information,
Branch name.

The account number 9 items 9 locus name, client's name and account information are printed, and a transfer card 1° as shown in FIG. 3 recorded on the magnetic stripe 32 is issued from the passbook and transfer card insertion lower.

That is, the transfer card IO is taken out from the storage section 69 by the take-out roller 70 and conveyed along the conveyance path 44 in the direction of arrow a. When the rear end of the transfer card 10 faces the print head 56, the transfer card 10fl is conveyed in the direction indicated by the arrow.
Transfer information will be printed on the top. After this printing is completed, the transfer card 10 is conveyed again in the direction of arrow a, and when its magnetic stripe 32 faces the magnetic head 50, transfer information is recorded on the magnetic stripe 32, and then it is ejected from the insertion lower. At this time, the main control unit 11 causes the CR1 display unit 5 to display the message “Please receive 10,000 yen for transfer” (S
T27). Following this guidance, the user receives the transfer card IO (ST28). When the receipt of the transfer card 10 is completed, or when the unnecessary key is pressed in step 25 (S729), the main control unit 11 causes the CRT display unit 5 to display "Please receive the card and receipt" ( S T 30). Next, the user receives the card and receipt and completes the transfer process (ST3)
1).

Also, when the registration key is pressed in step 11 (S
T32), the main control section 11 causes the CRT display section 5 to display "Currently processing the computer. Please wait for a while" (STas). The main control unit 11 also sends and receives inquiry messages and prints the results on journal paper 591.Then, the main control unit 11 displays “Please confirm the details of the transfer” on the CRT display s5. At the same time, the transfer details, confirmation key, and cancellation key are displayed (ST34). Following this guidance, the user inserts the confirmation key or cancellation key (STas). and,
When the main control unit 11 determines that the cancellation key has been input, it performs a cancellation process, and when it determines that the confirmation key has been input, it displays on the CRT display unit 5 the message "The computer is currently processing, please wait for a while" (ST36). . The main control unit 11 also sends and receives transfer messages and prints the results on the journal paper 59 using the printing device 76. Next, the main controller 11 HCRT display section 5 displays "Please receive your card and receipt" (ST37).

The user then receives the card and receipt and completes the transfer process (STas).

Also, in step 11, the transfer card IO becomes a passbook.

When inserted into the transfer card insertion lower (ST39).

The transfer card 10 is accepted by the bankbook printing section 13, and the magnetic head 50 prints the transfer information on the stripe section 32, that is, the name of the financial institution and the name of the branch to which the transfer is to be made.

Account number 1 Item 1 Locator name and client's name 1 Read account information and output to main control section 11 0 As a result, main control section 1
1 causes the CRT display unit 5 to display the message ``Please confirm the details of the transfer'', as well as display the transfer details, a confirmation key, and a cancellation key (ST40). Following this guide, the user inserts the confirmation key or cancellation key (S
T41). When the main control unit 11 determines to input the cancellation key, it performs a cancellation process, and when it determines to input the confirmation key, displays on the CRT display unit 5 the message ``The computer is currently processing, please wait for a while.'' ( S
T42)0 Also, the main control unit 11 sends and receives transfer messages,
The result is printed on the journal paper 59 using the printing device 76 of the passbook printing unit 13, and the transfer card 10 received by the passbook printing unit 13 is returned to the passbook/transfer card insertion lower.

At this time, the main control unit 11 displays the message ``Please accept the transfer card'' on the CRT display unit 5. The fees for transfer transactions are as shown in the table below. Please use the transfer card from next time as well. ], display a list of transfer fees, and flicker the fee display section according to the transaction details (ST43).
Following this guidance, the user receives the transfer card 10 (ST44). When the receipt of the transfer card 10 is completed, the main control section 11 causes the CRT display section 5 to display "Please receive the card and receipt" (ST45).
). The user then receives the card and receipt and completes the transfer process (ST46).

On the other hand, in step 3, press down the part where "Cash 1" is not displayed (ST471). As a result, the main control unit 11 determines that a cash transfer will be made, and the CRT display unit 5 displays "Press the amount to be transferred." At the same time, a numeric keypad and an amount key are displayed (ST48), and the user follows the instructions to input the amount to be transferred (ST49).

As a result of this input, the main control unit 11 HCRT display unit 5 displays the message ``To specify the destination, press the specified key, and if using a transfer card, insert it into the bankbook or transfer card insertion slot'' and press the specified key. Display (
ST50).

Next, the user inserts the designated key according to the instructions (ST51). When the main control unit 11 determines that this designation key has been input, it displays on the CRT display unit 5 the message ``Please press the destination financial institution'' and displays the financial institution selection key (Si52). Following this guidance, the user presses down on the financial institution (Si53), which causes the main control unit lII'! List of branch names When the town is determined, the CRT display section 26 displays [Press destination branch name] and a branch name selection key (S T
54). Next, the user presses the branch name selection key according to the instructions (Si55). This press causes the CRT display section 5 of the main control unit 11fl to display the message ``Please enter the destination account number and deposit type,'' as well as display the numeric keypad, correction key, normal key, and current key (Si56). Following this guidance, the user enters the account number and deposit type (Si57). With this input, if the main control unit 11 determines that it is not the main branch, CR7
``Please press the recipient's name'' is displayed on the display section 5, as well as the katakana key and the correction key.

Display the completion key (Si58). Then, when the completion key is pressed (Si59), or when the main control unit 11 determines that it is the main branch, the main control unit 11 displays “Please enter the client's name” on the CR7 display unit 5, and also displays katakana. A completion key is displayed (Si60). Follow this guide and press the client name and completion key (
Si61). By pressing this completion key, the main control unit 1
1 displays "Please enter the client's phone number" and also displays a numeric keypad and a completion key (Si62
). In response to this guidance, the user presses the telephone number and the completion key fully (Si63). By pressing this completion key, the monarchy section 11 causes the CR7 display section 5 to display "Currently processing the computer. Please wait for a while" (S
i64), the main control unit 11 also sends and receives inquiry messages, and causes the results to be printed on the journal paper 59. Then,
The main control unit ll causes the CR7 display unit 5 to display the message ``Please confirm the details of the transfer,'' as well as display the transfer details, a confirmation key, and a cancellation key (Si65) o The user confirms according to this guidance. The key or cancellation key is input (Si66).

When the main control unit 11 determines to input the cancellation key, it performs a cancellation process, and when it determines to input the confirmation key, C
On R7 display 5, ``Please put banknotes and coins into their respective slots. If you agree, please press the confirmation key.''
is displayed, along with a confirmation key and a cancellation key (Si67). Following this guide, the user inserts the banknote into the banknote insertion slot 3 and inserts the coin into the coin insertion slot 8 (ST6B). When the banknote is 0, the banknote is accepted into the deposit/withdrawal unit 14 for inspection and counting, and the coin is deposited into the coin deposit/withdrawal unit 14. Units) 15 and will be inspected and counted. When the inspection counting is completed, the main control unit 11 causes the CR7 display unit 5 to display the input amount on the display in step 67 (Si20).
. In response to this guidance, the user inserts the confirmation key or the cancellation key (ST7o). Then, when the main control unit 11 determines that the cancellation key has been inserted, the cancellation process is performed. In addition, the main control unit 11 determines whether the confirmation key has been input.1. In this case, the CR7 display section 5 displays the message "The computer is currently processing the computer. Please wait for a while" (Si71). Also,
The main control unit 11 sends and receives the transfer message and prints the result on the journal paper 59 using the printing device 76.

In response to the completion of printing, the main control unit 11 determines whether there is change by comparing the transferred amount and the fee (!: total amount added) with the input amount.
(When 11 determines that there is change, the CRT display unit 5 will display “
Please receive banknotes and coins from their respective receiving slots.
is displayed and the amount of change is displayed (Si
72). At this time, the main controller 11 controls the deposit/withdrawal unit 14
is activated to discharge change banknotes into the bill insertion slot 3, and the coin deposit/withdrawal unit 15 is activated to discharge change coins into the coin receiving slot 9. As a result of this release, the user receives change (Si73). When the receipt of change is completed or when the main control unit 11 determines that there is no change, the main control i
ll displays on the CRT display section 5, as shown in Figure 8 (a), ``Do I need a transfer card?'' If you repeatedly make transfers to the same account, a transfer card is recommended.'' At the same time, the required key, Display a list of charges comparing fees when using unnecessary keys and transfer cards with and when not using them (
ST74). Following this guidance, the user presses the necessary key (ST75). Then, the main control unit 11 flickers the charge display section corresponding to the transfer details to show the fee to the customer, and the passbook print section 13 displays the name of the financial institution to which the transfer is to be made, branch name 1, bank account number 1, etc. as transfer information. Item 9 The name of the troupe, the client's name and telephone number are printed, and a transfer card 10 as shown in FIG. 4 recorded on the magnetic stripe 32 is issued from the passbook or transfer card insertion lower. At this time, the main control section 11 causes the CRT display section 5 to display "Please receive the 1 transfer card" (ST76). Following this guidance, the user receives the transfer card IO (ST77). When the receipt of the transfer card 10 is completed or when an unnecessary key is pressed in step 25 (ST78), the main control unit 11ViCRT display unit 5 displays [
Please receive your receipt” (ST7
9). Next, the user receives the receipt and ends the transfer process (ST80).

Further, when the user inserts the transfer card 10 into the passbook or transfer card insertion lower (ST81) according to the displayed guidance in step 50, the transfer card 10fd is accepted by the passbook printing unit 13 and the stripe portion is printed by the magnetic head 50. 32 transfer information, namely the name of the financial institution and branch name of the transfer destination.

The account number 1 item 1 locus name, client's name, and telephone number are read and output to the main control section 11. As a result, the main control unit 1
1 causes the CRT display unit 5 to display "The computer is currently processing the computer. Please wait for a while" (ST8
2). The main control unit 11 also sends and receives inquiry messages and prints the results on the journal paper 59.Then, the main control unit 11 displays on the CRT display unit 5, “Please confirm the details of the transfer.” , displays the transfer details, confirmation key, and cancellation key (ST83). Following this guidance, the user inserts the confirmation key or the cancellation key (ST84). Then, when the main control unit 11 determines to insert the cancellation key, it performs cancellation processing, and when it determines to insert the confirmation key, the CRT Display section 5 displays the message "Please put banknotes and coins into their respective slots. If you agree, please press the confirmation key" and also displays a confirmation key and a cancellation key (ST85). Following this guidance, the user inserts bills into the bill insertion slot 3 and coins into the coin insertion slot 8 (ST86). Then, the banknotes are received by the deposit/withdrawal unit 14 for inspection and counting, and the coins are received by the coin deposit/disbursement unit 15 and counted for inspection. When the above-mentioned 'a' has been counted, the main control section 11 causes the CRT display section 5 to display the input amount on the display in step 85 (ST87). In response to this guidance, the user inserts a confirmation key or a cancellation key (ST8B).

Then, when the main control unit 11 determines that the cancellation key has been input, cancellation processing is performed. If the main control section 11 determines that the confirmation key should be input, it displays on the CRT display section 5 the message "Currently processing the computer. Please wait for a while" (ST89). The main control unit 11 also sends and receives the transfer message, and prints the result on the journal paper 59 using the printing device 76. Upon completion of this printing, the main control unit 11 determines whether or not there is change by comparing the sum of the transfer amount and the fee with the input amount.

Then, when the main control unit 11 determines that there is change, CR
``Please receive banknotes and coins from their respective receiving slots'' is displayed on the T display section 5, and the amount of change is also displayed (ST90). At this time, the main control unit 11 operates the deposit/withdrawal unit 14 to discharge change banknotes into the bill insertion slot 3, and operates the coin deposit/withdrawal unit 15 to discharge change coins into the coin receiving slot 9. As a result of this release, the user receives change (ST91). When the receipt of change is completed, or when the main control unit 11 determines that there is no fishing gun, the main control unit 11 displays a message on the CRT display unit 5 that says ``Please receive the transfer card.'' .The fees for transfer transactions are as shown in the table below.Please use the transfer card from next time as well.'' is displayed, and a list of transfer fees is displayed, and the fee display section corresponding to the transaction details is flickered (ST92). . Following this guidance, the user receives the transfer card 10 (ST93). When the receipt of the transfer card 10 is completed, the main control unit 11
``Please receive the receipt'' is displayed on the display unit 5 (ST94). Next, the user receives the receipt and ends the transfer process (ST95).

By using a transfer card as described above, when making regular transfers to the same transfer destination, operations other than the second and subsequent transfer amount or cash input can be omitted, and according to this embodiment, When selecting the issuance of a transfer card and when receiving the transfer card after a transfer transaction using the transfer card, the fees for transfer transactions using the transfer card are displayed in comparison with the fees for normal transfer transactions, and instructions for using the transfer card are also displayed. By doing so, it is possible to use a transfer card for transfer transactions. Users can also check their own fees on the CRT display.

In this example, the display part of the fee according to the transaction content is displayed in 7 colors, but the same effect can be achieved by making the display part of the fee according to the transaction content different in color from other parts. can get.

〔Effect of the invention〕

As explained above, according to the present invention, the transfer process can be simplified by informing the user of the fees when using the transfer card.

[Brief explanation of drawings]

The drawings are for explaining one embodiment of the present invention, and FIG. 1 is an external perspective view of an automatic transaction device, FIG. 2 is a diagram showing an example of display on a CRT display section, and FIGS. A plan view to explain the configuration of the transfer card, Figure 5 is a schematic configuration diagram of the main parts of the electric circuit, Figure 6 is a sectional view showing the entire configuration of the passbook print section, and Figure 7 is to explain the transfer processing method. FIG. 8 is a diagram showing an example of the display on the CRT display section.
・Card insertion slot, 7...Passbook, transfer card insertion slot, 8
... Coin slot, 10... Transfer card, 11...
Main control unit, 13...Passbook printing unit, 31...Surface of transfer card, 32...Magnetic stripe, 69...Storage unit, 70...Takeout roller. Agent Patent attorney Kensuke Chika (and 1 other person) Figure 1 Figure 8 Figure 4 Figure 5 Figure 7 (d) Figure 7 (e) Figure 8 (α) Figure 8 tb)

Claims (8)

[Claims] (1) A display means for showing operation details to the user, an input means for inputting transfer information, a processing means for performing a transfer process according to the transfer information inputted by the input means, and the above-mentioned ℃ (3) issuing means for issuing a card-like medium in which a part or all of the transfer information inputted by the input means is recorded in a machine-readable manner by a recording means, according to a user's selection; and the display means at the time of a transfer transaction. A transfer processing method characterized by displaying a guide for transfer processing using a card-like medium. (2) The transfer processing method according to claim 1, wherein the guide display by the display means is a list of fees for cases in which a card-like medium is used and cases in which a card-like medium is not used. (3) The transfer processing method according to claim 2, wherein the guide display by the display means shows the user a portion where a fee is displayed when using the card-like medium. (4) The transfer processing method according to claim 1, wherein the transfer information recorded on the card-like medium by the recording means is at least transfer destination information and payer information. (5) A display means for showing the operation details to the user, a two-manpower means for inputting the transfer information, and a means for processing the transfer according to the transfer information input by the upper pressure input means. 1. When the transfer transaction is completed, part or all of the transfer information input by the transfer input means is machine-readably recorded by the recording means.1. means for issuing a card-like medium;
means for accepting the card-like medium issued by the issuing means and reading the recorded transfer information;
When accepting the card-like medium, the transfer information from the reading means is used in place of the input by two manual means, and
A transfer processing method characterized by displaying instructions for transfer processing using force-do type media during transfer transactions. (6) The transfer processing method according to claim 5, wherein the guide display by the display means is a list of fees for cases in which a card-like medium is used and cases in which a card-like medium is not used. (7) The transfer processing method according to claim 6, wherein the guidance display by the display means is in the form of a card. (8) The transfer processing method according to claim 5, wherein the transfer information recorded on the card-like medium by the recording means is at least transfer destination information and payer information.