JP2006277334A - Automatic teller machine - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an automatic teller machine (ATM) capable of shortening a transaction time in operation while having the function of preventing, in input of a personal identification number by a user, the personal identification number from being known by a third person based on the user's pressing operation of input keys. <P>SOLUTION: In the ATM provided with a touch panel type input display device, a rearrangement key for allowing the user to select display of a pattern different from a general numeric input layout display is displayed in an input display screen of personal identification number, and when the rearrangement key is pressed, a numeric input layout display of the pattern different from the general numeric input layout display is displayed in the input display device. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention is an automatic cash transaction apparatus (hereinafter referred to as “ATM” where a user (transactioner) who has a business relationship with a financial institution such as a bank inputs a personal identification number and performs various financial transactions such as cash withdrawal and transfer. In particular, the present invention relates to an ATM in which a password entered by a user during the operation of the ATM is prevented from being detected or stolen by a third party around.

  When various types of financial transactions are carried out through ATM operations, a cash card (bank card) is inserted into the ATM cash card slot, and data such as the account number written in the storage means such as the magnetic stripe of the cash card is stored. In addition to reading, it accepts an input of a personal identification number normally consisting of four digits from 0 to 9. The ATM sends the PIN number entered together with the data to specify the user such as the account number to the financial system of the financial institution via a dedicated communication line, and is stored in the database of the financial system. The financial transaction processing requested by the user is started on the condition that the personal identification number and the personal identification number transmitted from the ATM match.

  Therefore, even if the cash card is lost or forged by a process such as skimming, cash withdrawal by a malicious third party other than the user can be prevented if the password is not known.

  However, since the ATM numeric input key is fixed in many cases, when a user inputs a password, a third party around the user can also enter the password. The password may be perceived by the movement of the finger pressed by the input key by the user. Therefore, if a malicious third party detects the security code of another person and steals or counterfeits the user's cash card in this way, fraudulent acts such as cash withdrawal will occur. It becomes.

  For this reason, even in the conventional ATM, when the user's personal identification number is input, the key switch assignment on the touch panel is changed to a normal key switch arrangement and randomly changed (for example, see Patent Document 1). ), By changing the display position of the numeric keypad on the touch panel numeric keypad based on a random number (see, for example, Patent Document 2), it has been proposed and partially implemented to prevent a surrounding third party from perceiving a password. It was.

There has also been proposed a financial automatic machine in which the number input screen for the PIN number displayed on the touch panel has a regular numeric key arrangement (see, for example, Patent Document 3).
JP 60-225277 A JP 09-54862 A Japanese Patent Laid-Open No. 10-105781

  However, in the inventions described in Patent Document 1 and Patent Document 2 described above, on the password input screen, the display layout of the numeric keys is uniformly changed at random, and the user can When entering your own 4-digit password, it is cumbersome because you have to search and enter the input key for each digit, and it takes a long time compared to the password input operation with a normal key layout. Will end up.

  Further, as described in Patent Document 3, even if some sort of regularity is provided in the display arrangement of the numeric keys when inputting the personal identification number, the display arrangement of the numeric keys is different from the normal arrangement pattern. If the change is made uniformly, it will hinder the correct password input operation by the user and promote the frequency of incorrect input of the password, and the operation time of the ATM will be somewhat longer. Not always desirable. In other words, if there is no other person around the ATM, or there is no danger of a password being detected by a third party due to the movement of the user's finger, The input is preferable, and this can shorten the transaction time of the financial transaction by the user's ATM.

  For this reason, the present invention has a function that is not detected based on the pressing operation of the user's input key by the surrounding third party when the password is input by the user, and there is no other person around the ATM. If there is no risk that the third party will be able to detect the password, the password of the user's ATM will be kept low while maintaining the possibility of incorrect input of the password by inputting the password using the normal numeric key arrangement pattern. An object of the present invention is to provide an ATM capable of shortening the transaction time of financial transactions.

  For this reason, this invention is an automatic teller machine provided with the input display device of the touch panel system, Comprising: On the input display screen of a PIN code, the display of a pattern different from a usual number input arrangement display is given to a user. A rearrangement key for selection is displayed, and when the rearrangement key is pressed, the input display device performs a numeric input arrangement display of a pattern different from the normal numeric input arrangement display. An automatic teller machine characterized by the above is provided.

  The present invention also includes a touch panel type input display means and a memory for storing various screen display data for performing screen display for guiding or guiding operations for various financial transactions by a trader in the input display device. A predetermined function or data is assigned to each of the input keys displayed on the input means and the screen display data stored in the storage means in response to a user operation of the input keys. Control means for reading out and transmitting to the input display means, wherein the control means selects a display of a pattern different from the normal numeric input arrangement display on the input display screen of the personal identification number in the input display device A rearrangement key that can be displayed is displayed, and when the rearrangement key is pressed, a normal numeric input arrangement table is displayed on the input display device. There is provided a cash automatic transaction apparatus being characterized in that to perform the numerical input arrangement display a different pattern than the. When the rearrangement key is not pressed, a normal numeric input arrangement display is performed on the input display device.

  Here, the “normal number input arrangement display” means a number input arrangement display that has been conventionally displayed on the input display device (touch panel) of the ATM. When the rearrangement key is pressed, This means that the numeric input arrangement display of a pattern different from the normal numeric input arrangement display conventionally performed is performed.

  The ATM determines that the rearrangement key has not been pressed, for example, by pressing a numeric key without pressing the rearrangement key.

  As a result, in the ATM according to the present invention, the numeric key arrangement displayed on the touch panel when a personal identification number is input is the normal numeric key arrangement or a different numeric key arrangement. Can be left to the user who actually operates the ATM, so that the user feels a danger that is perceived based on the pressing operation of the input key of the user by the surrounding third party In the case where it is judged that there is no risk that the password will be detected by a third party by reducing the risk that the password will be known to others by using a numeric key layout different from the normal numeric key layout. Has made it possible to shorten the transaction time of financial transactions by users' ATMs while reducing the possibility of incorrect input of the PIN by entering the PIN by the usual numeric key arrangement pattern. A.

  Here, the automatic teller machine according to the present invention also arranges the rearrangement on the display screen for inputting the changed password even when receiving the change registration of the password according to the input operation of the input display device by the user. A key is displayed, and when the rearrangement key is pressed, a numeric input arrangement display of a pattern different from the normal numeric input arrangement display is performed on the input display device. Thus, the rearrangement key is displayed not only at the time of actual financial transaction such as cash withdrawal, but also on the display screen for inputting the changed password at the time of registration change of the password at ATM. Thus, the above-described effects of the present invention can be exhibited.

  Here, in the present ATM, when the user selects the rearrangement of the numeric keys when inputting the personal identification number, in order to reduce the possibility of erroneous input of the personal identification number and the input operation time as much as possible, In the numeric input arrangement display of different patterns, one selected from a plurality of types of patterns having a predetermined regularity in the arrangement of numeric keys is displayed.

  And one selection from the plurality of types of patterns is performed based on the last one digit of minutes or seconds at the transaction time of the automatic teller machine or the time when the sorting key is pressed. It is. Thus, for example, when 10 types of numeric key arrangement patterns are prepared, the number corresponding to the last one digit of the hour or minute of the time in the clock means provided in the ATM is one-to-one. Since the key arrangement pattern is displayed, one of ten patterns prepared in advance can be easily selected. Therefore, in this ATM, it is not necessary to perform a control process using a random number table or the like in the rearrangement process of the numeric key array.

  Further, in this ATM, one of the plurality of patterns is selected as the last digit of the minute or second at the transaction time of the automatic teller machine or the time when the sorting key is pressed. You may make it perform based on the calculation result of the predetermined function used as a variable. This predetermined function is, for example, a function that converts a certain decimal number into another decimal number, and it is known that this ATM can rearrange the arrangement of numeric keys according to time. Even so, it was prevented that the surrounding third parties were perceived as to what numeric key arrangement was selected based on the movement of the user's finger.

  The present invention further includes a touch panel type input display means and a storage for storing various screen display data for performing screen display for guiding or guiding operations for various financial transactions by a trader in the input display device. A predetermined function or data is assigned to each of the input keys displayed on the input means and the screen display data stored in the storage means in response to a user operation of the input keys. A control means for reading and transmitting to the input display means, and a program for controlling the automatic teller machine, which is a normal number input arrangement display on the PIN code input display screen in the input display device A step of displaying a reordering key by which a trader can select display of a different pattern, and the reordering key is pressed A step of performing a numeric input arrangement display of a pattern different from a normal numeric input arrangement display on the input display device, and a normal numeric input arrangement on the input display device when the rearrangement key is not pressed. And a program for executing each step.

  As described above, in the ATM according to the present invention, on the input display screen of the personal identification number, the rearrangement key for causing the user to select display of a pattern different from the normal numeric input arrangement display is displayed. When the rearrangement key is pressed, the input display device performs a numeric input arrangement display of a pattern different from the normal numeric input arrangement display. If you feel a danger perceived based on the user's input key pressing action, reduce the risk of another person's password being known by using a numeric key layout different from the normal numeric key layout. . If the user determines that there is no danger of a password being detected by a third party, or if it is not necessary to change the numeric key layout, the security code based on the normal numeric key layout pattern is used. It is possible to shorten the transaction time of the financial transaction by the user's ATM while reducing the possibility of erroneous input of the personal identification number by inputting the number.

  Details of the ATM according to the present invention will be described below based on the drawings.

  FIG. 1 shows an example of a general appearance of an ATM provided with a touch panel type input display device to which the present invention can be applied.

  As shown in FIG. 1, the ATM 10 includes a cash card insertion slot 11, a passbook insertion slot 12, a banknote insertion / extraction opening 13, as operation target devices necessary for a user to perform a financial transaction using ATM. A coin slot 14 and an input display device (hereinafter referred to as “touch panel” as appropriate) 15 are provided. Here, when the card for user identification handled by the ATM is a non-contact type IC card instead of a magnetic stripe type cash card that has been widely used, an IC card is installed at the location where the cash card insertion slot 11 is installed. A reading / writing device will be provided.

  The touch panel 15 is obtained by directly attaching a transparent input detection sheet on the screen surface of a display device such as a liquid crystal panel or a plasma panel, and the input detection sheet is on the plane coordinates of the XY axes of the sheet. It is comprised so that the pressing position of a user's finger | toe can be detected. When an arrangement pattern of a certain number key is displayed at an arbitrary position on the display screen, it is possible to detect which number key is pressed by detecting the pressing position of the input detection sheet. . Accordingly, unlike the fixed keyboard, the touch panel 15 can arrange individual key switches at any position on the display screen, and which key switch is arranged as described above. Can be detected.

  By the way, at least an ID code for specifying the user is recorded on the cash card possessed by the user, and the ATM 10 specifies the user by reading the cash card.

  The user performs a desired financial transaction in accordance with the screen display displayed on the touch panel 15. However, the ATM 10 normally does not input a personal identification number before executing a financial transaction except for a simple balance inquiry. Request. The personal identification number is usually composed of four digits. This password is not recorded on the cash card, but is recorded on the account system of the financial institution. Accordingly, when the PIN is entered, the ATM 10 transmits the PIN entered together with the ID code and / or account number of the user to the accounting system, and after verifying the correspondence, the financial transaction Admit.

  FIG. 2 is a block diagram showing the configuration of the ATM according to the present invention.

  As shown in FIG. 2, the ATM 10 includes an input / output device (touch panel) 15, a storage device 21, a cash card reading device 22, a bankbook handling device (including a print printer) 23, and a banknote handling device 24 centered on the control device 20. A coin handling device 25, a bill storage unit 26, a coin storage unit 27, a communication control device 28, and a clock means 29 are incorporated. And the control apparatus 20 controls these various apparatuses uniformly based on the control program and various data which are stored in the memory | storage device 21. FIG.

  The storage device 21 includes a ROM (not shown) that stores programs and fixed data, and a RAM (not shown) that stores variation data. In addition, a hard disk is provided as necessary. Various screen display data displayed on the touch panel 15 is stored in the storage device 21, and the control device 20 obtains necessary screen display data from the storage device 21 in response to an input operation on the touch panel 15 of the user. The data is read and displayed on the display panel of the touch panel 15.

  Under the control of the control device 20, the communication control means 28 has the account of the user's ID code and / or account number, etc. and the password entered on the touch panel 15 as described above. It transmits to an account system and performs communication control for transmitting and receiving various data of financial transactions such as cash withdrawal and transfer between the ATM 10 and the account system.

  The time data displayed by the clock means 29 is used when the user selects an arrangement different from the normal numeric key arrangement when inputting the password. This will be described in detail in the explanation of FIG.

  FIG. 3 shows an example of a password input screen displayed on the ATM input display device according to the present invention.

  As described above, when a user conducts a financial transaction using the ATM 10, the user must always input a personal identification number that the user has registered in advance with the financial institution. As a result, even if the cash card is lost or forged by a process such as skimming, cash withdrawal by a malicious third party other than the user can be prevented if the PIN is not known. .

  However, if the number input key of ATM 10 is fixed, a third party around the user will perceive the password by the movement of the finger that the user inputs the password. Therefore, there has been a proposal to change the arrangement of the numeric keys displayed on the touch panel 16 of the ATM 10 to a different arrangement from the normal arrangement. Uniformly changing the pattern to a pattern different from the normal arrangement pattern hinders the correct password input operation by the user, promotes the frequency of incorrect input of the password, and reduces the operation time of the ATM 10. It is not always desirable because it is somewhat longer.

  For this reason, in the ATM 10 according to the present invention, it is left to the user who actually operates the ATM 10 to determine whether the numeric key arrangement when inputting the personal identification number is normal or changed. It was.

  In other words, if there is no other person around the ATM 10 or there is no danger of a password being detected by a third party, the password is entered using a normal numeric key layout pattern, and the user himself When the user feels that danger, the “reorder” key 30 is displayed on the PIN code input display screen so that the numeric input layout display is different from the normal numeric input layout display. is there.

  Here, “normal number input arrangement display” means a number input arrangement display conventionally displayed on the input display device (touch panel) of the ATM. When the rearrangement key is pressed, This means that the numeric input arrangement display of a pattern different from the normal numeric input arrangement display conventionally performed is performed.

  In FIG. 3, when it is determined that there is no problem even if the user inputs a PIN code using a normal numeric key arrangement pattern, the “reorder” key 30 is not pressed and displayed on the screen. In addition, a PIN code is input using a normal numeric key arrangement pattern. Accordingly, in FIG. 3, the ATM 10 determines that the “reordering function” included in the ATM 10 is not selected by pressing the PIN number key without pressing the “reorder” key 30. To do.

  As shown in FIG. 3, in the embodiment of the present invention, the “reorder key” is used as the key name when changing the arrangement pattern of the normal numeric keys. Other key names such as “rearrangement key” and “reliable key” may be assigned and displayed.

  FIG. 4 shows a numeric key array pattern displayed on the ATM input display device according to the present invention when the rearrangement key is pressed by the user.

  FIG. 4 shows an example of an arrangement (patterns 2 to 10) different from the normal numeric key arrangement (pattern 1) and the normal numeric key arrangement. The arrangement displayed on the input display device 15 of the ATM 10 is shown in FIG. Needless to say, the replacement pattern is not limited to this.

  The patterns 2 to 10 shown in FIG. 4 are numbers that the user desires in a short time while preventing the peripheral third parties from perceiving the PIN by arranging them with some regularity. The key can be found.

  In the present invention, the selection of the ten types of patterns shown in FIG. 4 corresponds to the last digit of the minute or second indicated by the clock means 29 shown in FIG. Here, the minute or second indicated by the clock means 29 is, for example, the transaction processing start time of the ATM or the time when the sorting key 30 is pressed.

  Further, in this ATM, one of the plurality of patterns is selected as the last digit of the minute or second at the transaction time of the automatic teller machine or the time when the sorting key is pressed. You may make it perform based on the calculation result of the predetermined function used as a variable. This predetermined function is, for example, a function that converts a certain decimal number into another decimal number, and it is known that this ATM can rearrange the arrangement of numeric keys according to time. Even so, it was prevented that the surrounding third parties were perceived as to what numeric key arrangement was selected based on the movement of the user's finger.

  FIG. 5 shows an example of the input screen of the current password and the input screen displayed when the changed password is displayed in the ATM according to the present invention. .

  The user's personal identification number can be changed by operating the ATM 10. In this case, the ATM 10 inputs the current personal identification number on the normal numeric key layout screen as shown in FIG. 5A on the personal identification number change mode screen. However, even when the current personal identification number is entered, the numeric key layout can be changed by pressing the “reorder” key 30. Then, when inputting the changed personal identification number, as shown in FIG. 5B, the “reorder” key 30 is displayed as in the personal identification number input screen shown in FIG. When the “replacement” key 30 is pressed by the user, a numeric key layout having an arrangement different from that shown in FIG. 4 is displayed. Then, on the password change confirmation screen shown in FIG. 5C, the change of the password is completed by pressing the changed password again.

  As described above in detail, in the ATM 10 according to the present invention, the numeric key layout displayed on the touch panel when a personal identification number is input is the regular numeric key layout or a different numeric key layout. Can be left to the user who actually operates the ATM, so there is a risk that the user will be perceived based on the pressing operation of the user's input key by a nearby third party. If you feel that the password is different from the normal numeric key layout, the risk of your password being known to others is reduced, and there is no risk of your password being detected by a third party. If the judgment is made, it is possible to shorten the transaction time of the financial transaction by the user's ATM while reducing the possibility of erroneous input of the PIN by inputting the PIN by the normal numeric key arrangement pattern. It was to allow.

  As a secondary effect of the present invention, the above-mentioned “reorder” key 30 is displayed on the password input screen in the ATM 10, so that, for example, the user normally does not use this “reorder” key 30. Even when the personal identification number is entered using the numeric key arrangement of the present invention, the present invention can be applied to a malicious third party simply by providing the “reorder” key 30 on the personal identification number input screen. It is impossible to overlook the point of creating the so-called “swordsman” effect that abandons trying to steal someone else's password.

  The present invention relates to an automatic cash transaction apparatus (ATM) in which a user who has a business relationship with a financial institution such as a bank inputs a personal identification number and performs various financial transactions such as withdrawal and transfer of cash. The personal identification number entered by the user is related to an automated teller machine that is not perceived or stolen by surrounding third parties, and has industrial applicability.

An appearance of a general ATM including a touch panel type input display device to which the present invention can be applied is shown. The block diagram which shows the structure of ATM which concerns on this invention is shown. The example of the PIN code input screen displayed in the input display apparatus of ATM which concerns on this invention is shown. When the rearrangement key is pressed by the user, a numeric key array pattern displayed in the ATM input display device according to the present invention is shown. In the ATM which concerns on this invention, the example of the input screen displayed when inputting the input code of the present personal identification number and the personal identification number after a change displayed when changing registration of a personal identification number is shown.

Explanation of symbols

10: ATM (automatic cash transaction equipment)
11: Cash card insertion slot 12: Passbook insertion slot 13: Bill entry / exit 14: Coin entry / exit 15: Input display device (touch panel)
20: Control device 21: Storage device 22: Cash card reader 23: Passbook handling device (printing device)
24: Bill handling device 25: Coin handling device 26: Bill storage unit 27: Coin storage unit 28: Communication control device

Claims (11)

An automatic teller machine equipped with a touch panel input display device,
On the PIN code input display screen, a sort key for allowing the user to arbitrarily select a display of a pattern different from the normal numeric input layout display is displayed, and when the sort key is pressed, The automatic cash transaction apparatus is characterized in that the input display device performs a numeric input arrangement display of a pattern different from the normal numeric input arrangement display. Touch-panel input display means;
In the input display device, storage means for storing various screen display data for performing screen display for guiding or guiding operations for various financial transactions by a trader;
A predetermined function or data is assigned to each input key displayed on the input display means, and the screen display data stored in the storage means is read in response to an operation of the input key by a user. Control means for transmitting to the input display means,
The control means displays a rearrangement key that allows the trader to select a display of a pattern different from the normal numeric input arrangement display on the input display screen of the personal identification number in the input display device, and the rearrangement key is pressed. An automatic cash transaction apparatus characterized in that a numeric input arrangement display of a pattern different from a normal numeric input arrangement display is sometimes performed on the input display device.   The automatic teller machine displays the reordering key on a display screen for inputting a changed password when receiving a change registration of the password according to an input operation of the input display device by a user, 3. The automatic cash transaction according to claim 1, wherein when the rearrangement key is pressed, the input display device performs a numeric input arrangement display of a pattern different from a normal numeric input arrangement display. apparatus.   4. The automatic teller machine according to claim 1, wherein when the rearrangement key is not pressed, a normal numeric input arrangement display is performed on the input display device. 5.   4. The numeric input arrangement display of the different patterns displays one selected from a plurality of types of patterns having a predetermined regularity in the arrangement of numeric keys. Automatic teller machine described in the paragraph.   One selection from the plurality of types of patterns is performed based on the last one digit of minutes or seconds at the transaction time of the automatic teller machine or the time when the sorting key is pressed. The automatic cash transaction apparatus according to claim 5.   One selection from among the plurality of types of patterns is a predetermined function with the last one digit of minutes or seconds at the transaction time of the automatic teller machine or the time when the sorting key is pressed as a variable. 6. The automatic teller machine according to claim 5, which is performed based on a calculation result. Touch-panel input display means, storage means for storing various screen display data for performing screen display for guiding or guiding operations for various financial transactions by a trader in the input display device, and the input display A predetermined function or data is assigned to each of the input keys displayed in the means, and the screen display data stored in the storage means is read in response to an operation of the input key by a user, and the input display means A program for controlling an automatic teller machine comprising:
Displaying a reordering key that allows a trader to select a display of a pattern different from a normal number input arrangement display on the input display screen of a personal identification number in the input display device;
Performing a numeric input arrangement display of a pattern different from a normal numeric input arrangement display on the input display device when the rearrangement key is pressed;
When the rearrangement key is not pressed, a step of performing normal numeric input arrangement display on the input display device;
A program that executes each step.   9. The program according to claim 8, wherein the numeric input arrangement display of the different patterns displays one selected from a plurality of types of patterns in which numeric key arrays have a predetermined regularity.   One selection from among the plurality of types of patterns is performed based on the last one digit of minutes or seconds at the transaction time of the automatic teller machine or the time when the sorting key is pressed. The program according to claim 9.   One selection from among the plurality of types of patterns is a predetermined function with the last one digit of minutes or seconds at the transaction time of the automatic teller machine or the time when the sorting key is pressed as a variable. The program according to claim 8, wherein the program is executed based on a calculation result.

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