JP2007328708A - Automatic transaction device - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a means for a customer to simplify operation for resuming an interrupted transaction. <P>SOLUTION: The automatic transaction device 1 is provided with a card reader-writer part 9, and a transaction is carried out by operation of the customer. It is characterized by that when a transaction is stopped due to an apparatus malfunction during a transaction with a customer, interrupted transaction information is stored in an IC card by the card reader-writer part 9, and the transaction of the interrupted transaction information is carried out when the interrupted transaction information is read from the IC card of the customer by the card reader-writer part 9 at a transaction start with the customer. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention relates to an automatic transaction apparatus installed in a financial institution, and particularly to an operation when a transaction with a customer is interrupted without being established due to an equipment failure.

When a conventional automatic transaction device is interrupted due to an equipment failure during a transaction with a customer, the transaction type at the time of the failure and the progress of the transaction processing are transmitted to the management device, A processing method for recovery from a failure is received from the management device (see, for example, Patent Document 1).
JP 7-44637 A (paragraph 0051-paragraph 0052, FIG. 1)

  However, in the above-described conventional technology, the transaction type of the transaction that has been interrupted due to the failure and the progress of the transaction processing are transmitted to the management device, and the processing method for failure recovery is received. If communication processing with the management device cannot be performed due to a failure of the communication device, the staff will check the location of the failure and take time to recover from the failure. The automatic transaction apparatus cannot be used, and the customer has to restart the interrupted transaction from the beginning using another automatic transaction apparatus, which is troublesome for the customer.

  An object of the present invention is to provide means for solving the above problems.

  In order to solve the above-mentioned problems, the present invention provides a card reader unit that reads information from a customer's transaction card, and in an automatic transaction apparatus that conducts a transaction by a customer's operation, an equipment failure occurs during the transaction with the customer. When the transaction is interrupted due to occurrence, the transaction card stores interruption transaction information composed of the transaction type and transaction amount of the transaction to be interrupted, and is interrupted from the transaction card by the card reader unit at the start of the transaction. When the transaction information is read, the transaction with the customer is performed according to the suspended transaction information.

  Thus, the present invention stores interruption transaction information in a customer's transaction card when an apparatus failure occurs in an automatic transaction apparatus during a transaction with a customer and the customer interrupts another transaction. When resuming a transaction that was interrupted by the automatic transaction device, the transaction is performed according to the interrupted transaction information read from the transaction card, so that the operation for resuming the interrupted transaction can be simplified for the customer. Is obtained.

  Embodiments of an automatic transaction apparatus according to the present invention will be described below with reference to the drawings.

FIG. 1 is a block diagram illustrating an automatic transaction apparatus according to a first embodiment, and FIG. 2 is a configuration diagram illustrating an automatic transaction system including the automatic transaction apparatus according to the first embodiment.
In FIG. 1 and FIG. 2, reference numeral 1 denotes an automatic transaction apparatus installed in a sales office of a financial institution such as a bank or a store such as a convenience store, and automatically performs transactions such as cash deposits and withdrawals with customers.
Reference numeral 2 denotes a control unit which has a function of performing various transactions by controlling the operation of each unit of the automatic transaction apparatus 1 based on a control program stored in the storage unit 4, and the communication unit 10 performs LAN 3, Communication with the host computer 15 is performed via the dedicated line 12.

Reference numeral 4 denotes a storage unit that has a function of storing a processing result or the like by the control unit 2.
Reference numeral 5 denotes a display operation unit, which is provided so as to be exposed on the customer service surface in front of the automatic transaction apparatus 1, a display unit such as a CRT display or a liquid crystal display with the display surface facing upward, and a touch panel disposed on the display unit It is defined as an input key by displaying a screen with messages for guiding customer operations in various transactions and input keys for that, and pressing the input key with a finger from the touch panel. Information can be input, and the input information is displayed.

A biometric information acquisition unit 6 has a function of acquiring palm vein information (biometric information) from a customer's hand placed thereon, and is provided on the customer service surface.
Reference numeral 7 denotes a cash deposit / withdrawal unit, which performs a cash deposit / withdrawal process associated with a transaction, and is composed of a banknote deposit / withdrawal machine that handles banknotes and a coin deposit / withdrawal machine that handles coins. The mouth is provided on the customer service surface.

Reference numeral 9 denotes a card reader / writer unit, which has a function of reading and writing card information recorded on an IC chip of a customer's IC card (transaction card), and a function of printing a transaction result with a customer on a statement slip The card insertion return port and the statement slip printing port are provided on the customer service surface.
The card information of the IC card includes the customer name, financial institution code, branch code, account number, registered palm vein information (registered biometric information) registered by the customer when opening the account, and the like.

Further, in the present invention, when the transaction is interrupted due to a device failure such as a communication failure with the host computer 15 in the automatic transaction apparatus 1 in the present invention, the interrupted transaction type and transaction amount, etc. An interruption transaction storage area is provided for storing interruption transaction information constituted by
In FIG. 2, a host computer 15 is installed at the center of a financial institution such as a bank and stores customer information such as the name, card information, and password of a customer who has opened an account. Is connected to the automatic transaction apparatus 1 through the communication process for customer authentication with the automatic transaction apparatus 1.

About the effect | action of the structure mentioned above, the apparatus failure generate | occur | produces in the automatic transaction apparatus 1 in the middle of payment | withdrawal transaction, it will be demonstrated by the case where it becomes transaction unsuccessful and transaction is continued using another automatic transaction apparatus 1a.
The control unit 2 of the automatic transaction apparatus 1 displays a screen prompting insertion of an IC card or a passbook on the display operation unit 5 and stands by.
The customer inserts an IC card into the card insertion / return port of the card reader / writer 9 of the automatic transaction apparatus 1 in order to perform a transaction.

First, the control unit 2 determines the presence or absence of the suspended transaction information by reading the suspended transaction information stored in the suspended transaction storage area of the IC card into which the card reader / writer unit 9 is inserted.
In this case, since the interrupt transaction information is not stored, the control unit 2 recognizes that the interrupt transaction information is not stored.

Next, when the card reader / writer unit 9 reads card information such as a financial institution code, a branch code, an account number, and registered palm vein information from the IC card, the control unit 2 stores the card information in the storage unit 4, A transaction selection screen in which transaction selection buttons such as a withdrawal transaction and a deposit transaction are arranged on the display operation unit 5 is displayed and stands by.
When the customer depresses the transaction selection button of the withdrawal transaction on the transaction selection screen, the control unit 2 displays a screen on the display operation unit 5 that recognizes the depression and prompts the user to place the customer's hand on the biometric information acquisition unit 6. .

When the customer places his / her hand on the biometric information acquisition unit 6 in accordance with the displayed screen, the control unit 2 acquires the palm vein information by the biometric information acquisition unit 6 and reads the registered palm vein information from the storage unit 4 to read the palm. Compare with vein information to confirm that they match.
The control unit 2 displays on the display / operating unit 5 a screen for prompting the input of a personal identification number and a personal identification number input screen provided with a numeric keypad for input.

When the customer inputs a password using the numeric keypad, the control unit 2 that has recognized the input stores the password in the storage unit 4 and then prompts the display / operation unit 5 to input the amount to be withdrawn. Displays a withdrawal input screen with a field, a numeric keypad for entering the amount, etc.
In this embodiment, the customer inputs 50,000 yen as the withdrawal amount using the numeric keypad.
Recognizing the input of the withdrawal amount, the control unit 2 reads the code number, financial institution code, branch code, and account number from the storage unit 4, and inputs the code number, financial institution code, branch code, and account number as described above. A notification of whether or not the withdrawal transaction is added to the withdrawal amount is transmitted to the host computer 15 via the LAN 3 and the dedicated line 12 by the communication unit 10.

The host computer 15 retrieves the stored customer information based on the financial institution code, branch code, and account number of the received withdrawal transaction approval / disapproval notification, reads the PIN number and account balance of the corresponding customer information, By comparing the read PIN number with the PIN number of the above-mentioned withdrawal transaction approval / disapproval notification, the match between the two PIN numbers is confirmed.
Next, the host computer 15 confirms that the withdrawal transaction is possible by comparing the withdrawal amount of the received withdrawal transaction admissibility notification with the account balance read out above, and sends a withdrawal transaction permission message to the communication unit. 10 to the automatic transaction apparatus 1 via the LAN 16 and the communication line 12.

The control unit 2 that has received the withdrawal transaction permission message from the host computer 15 starts the operation for paying out the banknotes of 50,000 yen by the cash depositing / withdrawing unit 7 and transporting them to the banknote depositing / withdrawing port. .
The control unit 2 transmits a balance update instruction for updating the customer's account balance to the host computer 15 via the LAN 3 and the dedicated line 12 before updating the account balance of the customer before paying out bills to the customer.

At this time, if the control unit 2 cannot receive a response to the balance update instruction from the host computer 15 due to a device failure of the communication unit 10, the control unit 2 cancels the withdrawal transaction with the customer. The fact that the withdrawal transaction with a withdrawal amount of 50,000 yen has been interrupted is stored in the interrupt transaction storage area of the customer's IC card inserted in the card reader / writer 9.
Then, the control unit 2 returns the customer's IC card from the card insertion / return slot, and displays a message prompting the display / operation unit 5 to interrupt the transaction and to use another automatic transaction apparatus 1 so that the customer can use the IC card. After recognizing that the card has been received by a sensor (not shown), a screen indicating that transaction acceptance is stopped is displayed on the display operation unit 5.

The customer inserts the IC card returned above into the card insertion / return slot in order to resume the transaction interrupted by another automatic transaction apparatus 1. In addition, in order to distinguish from said automatic transaction apparatus 1, the subscript a is attached | subjected and shown to the code | symbol of each part of the automatic transaction apparatus 1. FIG.
When the card reader / writer 9a of the automatic transaction apparatus 1a reads the suspended transaction information from the suspended transaction storage area of the IC card inserted by the customer, the control unit 2a determines whether or not the suspended transaction information exists, and the withdrawal amount is 50,000. Recognizing that the withdrawal transaction of yen has been interrupted, a transaction with the window operation unit 5 asking whether there is an interrupted transaction and whether or not to resume the transaction, and a transaction with a resumability selection key, etc. Display the restart possibility screen.

Here, the card reader / writer 9a reads card information from the IC card, and the control unit 2a stores the card information and the suspended transaction information in the storage unit 4a.
When the customer presses the resumable selection key, the control unit 2a displays a screen on the display operation unit 5a that recognizes the resumption of the transaction and prompts the customer to place the customer's hand on the biometric information acquisition unit 6a.
When the customer places a hand on the biometric information acquisition unit 6a according to the displayed screen, the control unit 2a acquires the palm vein information by the biometric information acquisition unit 6a, and stores the registered palm vein information of the card information from the storage unit 4a. Read and compare with palm vein information to confirm that they match.

Next, the control unit 2a displays a screen for prompting the input of a personal identification number on the display operation unit 5a and a personal identification number input screen provided with a numeric keypad for input.
When the customer inputs the personal identification number with the numeric keypad, the control unit 2a that recognizes the input reads out the financial institution code, branch code, and account number of the card information stored in the storage unit 4a, and the financial institution code, branch code, A customer confirmation instruction to which the account number and the password entered above are added is transmitted to the host computer 15 via the LAN 3 and the dedicated line 12 by the communication unit 10a.

  The host computer 15 retrieves the stored customer information based on the received customer confirmation instruction financial institution code, branch code, and account number, reads the corresponding customer information PIN, and reads the PIN and customer verification By comparing the password with the password of the instruction, a match between the passwords is confirmed, and a customer confirmation result indicating the match of the password is transmitted to the automatic transaction apparatus 1 via the LAN 16 and the communication line 12.

The control unit 2a recognizes that the customer has been confirmed from the received customer confirmation result, reads the suspended transaction information stored in the storage unit 4a, and the transaction according to the suspended transaction information, that is, the withdrawal amount is 50,000. Perform yen withdrawal transactions as usual.
As described above, in this embodiment, when an automatic transaction device cannot be used due to a device failure in the middle of a transaction with a customer and the transaction is interrupted, the transaction is interrupted to the inserted IC card. Information is stored, and when interrupted transactions are resumed with another automatic transaction device, the interrupted transaction information is read out from the IC card, and the palm vein information acquired from the customer and the password entered by the customer are also stored. In order to resume the transaction based on the suspended transaction information after confirming the customer, the customer places a finger on the biometric information acquisition unit for customer authentication, and inputs a password Thus, the interrupted transaction can be easily resumed, the operation of selecting the transaction again from the transaction selection screen and inputting the transaction amount can be omitted, and the operation of the customer can be simplified.

  In addition, since the suspended transaction can be resumed without causing the customer to select the transaction type or input the transaction amount, the transaction time can be shortened by the amount of omitting the selection of the transaction type and the input of the transaction amount. it can.

The configuration of the automatic transaction apparatus 1 of the present embodiment is the same as that of the first embodiment. However, in the first embodiment, customer authentication when resuming a suspended transaction according to the suspended transaction information stored in the IC card is as follows. In contrast to the confirmation of the palm vein information and the confirmation of the personal identification number, in this embodiment, the customer authentication method is switched according to the transaction amount of the suspended transaction information.
It is assumed that the storage unit 4 of this embodiment stores an authentication method switching amount for determining a customer authentication method.

In this embodiment, the interruption transaction information is stored in the IC card inserted into the card insertion / return slot, and the operation of the automatic transaction apparatus that performs a transaction with the customer according to the interruption transaction information will be described.
When the customer inserts the IC card storing the interrupt transaction information into the card insertion / return port of the automatic transaction apparatus 1, when the card reader / writer unit 9 reads the interrupt transaction information from the IC card, the control unit 2 has the interrupt transaction information. In the same manner as in the first embodiment, the transaction resumability screen is displayed on the window operation unit 5.

Here, the card reader / writer unit 9 reads card information from the IC card, and the control unit 2 stores the card information and the interrupt transaction information in the storage unit 4.
When the customer presses the resumable selection key, the control unit 2 reads the transaction amount of the suspended transaction information and the authentication method switching amount from the storage unit 4, and compares the transaction amount with the authentication method switching amount, thereby making the transaction It is determined whether the amount is equal to or more than the authentication method switching amount.

When the control unit 2 recognizes that the transaction amount is less than the authentication method switching amount, the control unit 2 displays on the display / operation unit 5 a screen for prompting input of a personal identification number and a screen on which a numeric keypad for input is arranged.
When the customer inputs the personal identification number, the control unit 2 recognizes the input of the personal identification number, reads out the financial institution code, branch code, and account number of the card information from the storage unit 4, and the financial institution code, branch code, and account number. A password confirmation instruction to which the password entered above is added is transmitted to the host computer 15 via the LAN 3 and the dedicated line 12 by the communication unit 10a.

  The host computer 15 retrieves the stored customer information based on the received financial institution code, branch code, and account number of the personal identification number confirmation instruction, reads the personal identification number of the corresponding customer information, and reads the personal identification number and customer The personal identification number is confirmed by comparing with the personal identification number of the confirmation instruction, and the personal identification number confirmation result indicating the coincidence of the personal identification number is transmitted to the automatic transaction apparatus 1 via the LAN 16 and the communication line 12.

The control unit 2a recognizes that the customer has been confirmed from the received password confirmation result, reads out the suspended transaction information stored in the storage unit 4, and performs the transaction according to the suspended transaction information in the same manner as in the first embodiment. As usual.
Next, as a result of comparing the transaction amount of the suspended transaction information with the authentication method switching amount, when the control unit 2 recognizes that the transaction amount is equal to or more than the authentication method switching amount, the palm vein information is the same as in the first embodiment. The customer authentication is performed both in the confirmation of the password and the confirmation of the password.

As described above, in this embodiment, in addition to the effects of the first embodiment, when the transaction amount of the suspended transaction information is less than the authentication method switching amount, the customer authentication is performed only by confirming the personal identification number. Therefore, it is possible to shorten the transaction time in a transaction of a less expensive amount.
In the second embodiment, the confirmation of the password entered by the customer is described as customer authentication when the transaction amount is less than the authentication method switching amount. However, instead of inputting the password, the biometric information acquisition unit Customer authentication may be performed by acquiring palm vein information from the customer's hand and confirming that the palm vein information matches the registered palm vein information stored in the customer's IC card.

  In each of the above-described embodiments, customer authentication using palm vein information has been described. However, customer authentication may be performed using fingerprint information as biometric information instead of palm vein information.

The block diagram which shows the automatic transaction apparatus of Example 1 The block diagram which shows the automatic transaction system containing the automatic transaction apparatus of Example 1

Explanation of symbols

1 Automatic transaction device 2 Control unit 3, 16 LAN
4 storage unit 5 display operation unit 6 biometric information acquisition unit 7 cash deposit / withdrawal unit 9 card reader / writer unit 10 communication unit 12 dedicated line 15 host computer

Claims (4)

In an automatic transaction apparatus that has a card reader unit that reads information from a customer's transaction card and performs transactions by customer operations,
When suspending a transaction due to an equipment failure occurring in the middle of a transaction with a customer, the transaction card stores transaction information configured with transaction types and transaction amounts to be interrupted,
An automatic transaction apparatus characterized in that when the transaction information is read from the transaction card by the card reader unit at the start of the transaction, the transaction is performed with the customer according to the interrupted transaction information. The automatic transaction apparatus according to claim 1,
A biometric information acquisition unit for acquiring biometric information of a customer, and an input unit for receiving an input of a personal identification number;
An automatic transaction apparatus, wherein when the card reader unit reads suspended transaction information from a transaction card, the biometric information acquisition unit acquires biometric information from a customer and causes the input unit to input a personal identification number. The automatic transaction apparatus according to claim 1,
A biometric information acquisition unit for acquiring biometric information of a customer, and an input unit for receiving an input of a personal identification number;
Storing means for storing an authentication method switching amount for determining a customer authentication method;
Depending on whether or not the transaction amount of the interrupted transaction information read from the transaction card by the card reader unit is greater than or equal to the authentication method switching amount stored in the storage means, at least one of obtaining the biometric information and inputting the personal identification number An automatic transaction apparatus characterized in that In the automatic transaction apparatus of Claim 3,
When the transaction amount of the suspended transaction information is less than the authentication method switching amount, the biometric information acquisition unit acquires biometric information from a customer, or allows the input unit to input a password.
When the transaction amount of the suspended transaction information is equal to or more than the authentication method switching amount, the biological information acquisition unit acquires biometric information from a customer and causes the input unit to input a personal identification number.