Foreign remittance transaction terminal apparatus and foreign remittance transaction system employing the same

• US 5,448,043 A
• Filed: 10/12/1993
• Issued: 09/05/1995
• Est. Priority Date: 02/19/1993
• Status: Expired due to Fees

• Current Assignee: Fujitsu Limited
• Original Assignee: Fujitsu Limited
• Inventors: Nakano, Satoshi, Morohashi, Yoshiharu
• Primary Examiner(s): Hajec, Donald
• Assistant Examiner(s): Frech, Karl D.
• Application Number:
  US08/134,823
• Time in Patent Office: 693 Days
• Field of Search: 235/379, 235/380, 235/375, 235/381, 364/408
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/381 Currency conversion
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/211 Software architecture within ATMs or in relation to the ATM network

Abstract

Foreign remittance transaction terminal apparatus for sending money to foreign countries, which includes lobby terminal equipment operated by a user, and counter terminal equipment operated by a teller and connected to a host computer. The lobby terminal equipment has a unit for the user inputting at least a beneficiary, a remittance currency, and an amount of remittance as items required for application for the foreign remittance, a unit for displaying an operation guidance screen for guidance for the user about items to be input for application for the foreign remittance, and a unit for outputting the items input through the input unit onto an output medium and for issuing it to the user. The counter terminal equipment has a unit for inputting the contents of the output medium received from the user, and a unit for transmitting the remittance data based on the input contents to the host computer. Also disclosed is a foreign remittance transaction system including lobby terminal equipment arranged as described above, counter terminal equipment also arranged as described above, and a computer connected to the counter terminal equipment to check the remittance data transmitted and to transmit the result of the check to the counter terminal equipment.

Claims

1. Foreign remittance transaction terminal apparatus for transmitting foreign remittance data to a host computer for processing foreign remittance, said terminal apparatus comprising:

lobby terminal equipment operated by a user, said lobby terminal equipment having

means for said user inputting at least a beneficiary, a remittance currency, and an amount of remittance as items required for application for said foreign remittance,

means for displaying an operation guidance screen for guidance for said user about items to be input for application for said foreign remittance, and

means for outputting the items input through said input means onto an output medium and for issuing said output medium to said user; and

counter terminal equipment operated by a teller and connected to said host computer, said counter terminal equipment having

means for inputting the contents of said output medium received from said user, and

means for transmitting said remittance data based on said input contents to said host computer.

2. Foreign remittance transaction terminal apparatus according to claim 1, wherein said lobby terminal equipment further has

a memory stored with data on a plurality of operation guidance screens described in a plurality of languages, respectively, and

a controller for drawing out from said memory data on an operation guidance screen described in a language designated through said input means and for displaying said operation guide screen on said display means.

3. Foreign remittance transaction terminal apparatus according to claim 2,

wherein said medium output means of said lobby terminal equipment is means for printing item data input through said input means on an application form for foreign remittance.

4. Foreign remittance transaction terminal apparatus according to claim 2,

wherein said medium output means of said lobby terminal equipment is card handling means for recording item data input through said input means on a card and delivering said card, and

said input means of said counter terminal equipment is card handling means for reading the record contents of said card.

5. Foreign remittance transaction terminal apparatus according to claim 2,

wherein said medium output means of said lobby terminal equipment is card handling means for recording item data input through said input means on a card and delivering said card and for reading the contents of the card inserted thereinto, and

said controller of said lobby terminal equipment effects control such that said display means displays an operation guidance screen for inputting remittance data other than the beneficiary data recorded on said card read, and

wherein said input means of said counter terminal equipment is card handling means for reading the record contents of said card.

6. Foreign remittance transaction terminal appratust according to claim 1,

wherein said medium output means of said lobby terminal equipment is means for printing item data input through said input means on an application form for foreign remittance.

7. Foreign remittance transaction terminal apparatus according to claim 6,

wherein said medium output means of said lobby terminal equipment is card handling means for recording item data input through said input means on a card and delivering said card, and

said input means of said counter terminal equipment is card handling means for reading the record contents of said card.

8. Foreign remittance transaction terminal apparatus according to claim 6,

wherein said medium output means of said lobby terminal equipment is card handling means for recording item data input through said input means on a card and delivering said card and for reading the contents of the card inserted thereinto, and

said controller of said lobby terminal equipment effects control such that said display means displays an operation guidance screen for inputting remittance data other than the beneficiary data recorded on said card read, and

wherein said input means of said counter terminal equipment is card handling means for reading the record contents of said card.

9. Foreign remittance transaction terminal apparatus according to claim 1,

wherein said medium output means of said lobby terminal equipment is card handling means for recording item data input through said input means on a card and for delivering said card, and

said input means of said counter terminal equipment is card handling means for reading the record contents of said card.

10. Foreign remittance transaction terminal apparatus according to claim 1,

wherein said medium output means of said lobby terminal equipment is card handling means for recording item data input through said input means on a card and delivering said card and for reading the contents of the card inserted thereinto, and

said input means of said counter terminal equipment is card handling means for reading the record contents of said card, and

wherein said lobby terminal equipment further has a controller for displaying on said display means an operation guidance screen for inputting remittance data other than the beneficiary data recorded on said card read.

11. A system for transacting foreign remittance comprising:

lobby terminal equipment operated by a user, said lobby terminal equipment having

means for said user inputting at least a beneficiary, a remittance currency, and an amount of remittance as items required for application for said foreign remittance,

means for displaying an operation guidance screen for guidance for said user about items to be input for application for said foreign remittance, and

means for outputting the items input through said input means onto an output medium and for issuing said output medium to said user;

counter terminal equipment operated by a teller, said counter terminal equipment having

means for inputting the contents of said output medium received from said user,

display means, and

means for transmitting remittance data on the basis of said input contents from the counter terminal equipment; and

a computer, connected to said counter terminal equipment and receiving the remittance data from the counter terminal equipment, checking said remittance data and transmitting the result of said check to said counter terminal equipment.

12. Foreign remittance transaction system according to claim 11,

wherein said computer further calculates charges required for remittance from said remittance data and transmits the result of said calculation to said counter terminal equipment.

13. Foreign remittance transaction system according to claim 11,

wherein said lobby terminal equipment further has a memory stored with data on a plurality of operation guidance screens described in a plurality of languages, respectively, and

a controller for drawing out from said memory data on an operation guidance screen described in a language designated through said input means and for displaying said operation guide screen on said display means.

14. Foreign remittance transaction system according to claim 13,

wherein said medium output means of said lobby terminal equipment is means for printing item data input through said input means on an application form for foreign remittance.

15. Foreign remittance transaction system according to claim 13,

wherein said medium output means of said lobby terminal equipment is card handling means for recording item data input through said input means on a card and delivering said card, and

said input means of said counter terminal equipment is card handling means for reading the record contents of said card.

16. Foreign remittance transaction system according to claim 13,

wherein said medium output means of said lobby terminal equipment is card handling means for recording item data input through said input means on a card and delivering said card and for reading the contents of the card inserted thereinto, and

said controller of said lobby terminal equipment effects control such that said display means displays an operation guidance screen for inputting remittance data other than the beneficiary data recorded on said card read, and

wherein said input means of said counter terminal equipment is card handling means for reading the record contents of said card.

17. Foreign remittance transaction system according to claim 11,

wherein said medium output means of said lobby terminal equipment is means for printing item data input through said input means on an application form for foreign remittance.

18. Foreign remittance transaction system according to claim 17,

wherein said medium output means of said lobby terminal equipment is card handling means for recording item data input through said input means on a card and delivering said card, and

said input means of said counter terminal equipment is card handling means for reading the record contents of said card.

19. Foreign remittance transaction terminal equipment according to claim 17,

wherein said medium output means of said lobby terminal equipment is card handling means for recording item data input through said input means on a card and delivering said card and for reading the contents of the card inserted thereinto, and

said controller of said lobby terminal equipment effects control such that said display means displays an operation guidance screen for inputting remittance data other than the beneficiary data recorded on said card read, and

wherein said input means of said counter terminal equipment is card handling means for reading the record contents of said card.

20. Foreign remittance transaction system according to claim 11,

wherein said medium output means of said lobby terminal equipment is card handling means for recording item data input through said input means on a card and for delivering said card, and

said input means of said counter terminal equipment is card handling means for reading the record contents of said card.

21. Foreign remittance transaction system according to claim 11,

wherein said medium output means of said lobby terminal equipment is card handling means for recording item data input through said input means on a card and delivering said card and for reading the contents of the card inserted thereinto, and

said input means of said counter terminal equipment is card handling means for reading the record contents of said card, and

wherein said lobby terminal equipment further has a controller for displaying on said display means an operation guidance screen for inputting remittance data other than the beneficiary data recorded on said card read.