JP2008015867A - Automatic cash transaction system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To enable a representative to transact cash with no need for a depositor to give his/her cash card to another person and letting the person know a password. <P>SOLUTION: A host has a DB for storing information about the representative designated by the depositor for transaction, and an information generating means for generating password information to be used when the representative performs transaction and particular information such as a QR code about the depositor and the representative. A terminal carried by the representative acquires the password information and the particular information generated by the host through a network. An ATM acquires the particular information from the terminal of the representative, and transmits the password information inputted from an operating part by the representative and the particular information acquired by an information acquiring part to the host. The host collates the received password information and particular information with relevant information stored in advance and performs transaction designated by the depositor with the representative when the information is matched as a result of the collation. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention relates to an automatic cash transaction system, and more particularly to an automatic cash transaction system in which a depositor's agent can perform a cash transaction by operating an automatic cash transaction apparatus (referred to as ATM).

  A user, that is, an authorized person, can perform transactions such as cash deposits and withdrawals by operating an ATM using a cash card issued by a financial institution. However, it is often difficult for persons with disabilities who need nursing care to operate ATMs or go to banks for transactions. In addition, cash cards cannot be used except by relatives who provide livelihoods other than the principal, so in order for a disabled person to withdraw a deposit, etc., the card must be handed over to the agent and the PIN number must be given to the ATM. There is no choice but to have a drawer operation. In this case, there is a security problem.

  Conventionally, as disclosed in Japanese Patent Laid-Open No. 2003-196707 (Patent Document 1), in a cash automatic transaction system that uses a mobile terminal as an input device, the used mobile terminal and the validity of input information are ensured. A system that enables pre-entry transactions has been proposed.

JP 2003-196707 A

In the cash transaction system according to the above prior art, when a transaction is entrusted to an agent, it cannot be confirmed whether the transaction is performed with the consent of the principal.
In addition, if a cash card is used illegally, the financial institution is supposed to compensate, but if the depositor gives a card with a personal identification number to the agent, it will be compensated The purpose of the present invention is to provide an automated cash transaction system that allows a cashier to perform a transaction with an agent without requiring the depositor to give his / her cash card to another person and providing a personal identification number. There is to do.

The automatic cash transaction system according to the present invention is preferably configured such that a depositor conducts cash transactions using a cash card, and a DB that is connected to the cash automatic transaction apparatus and stores account information of the depositor. In an automatic cash transaction system having a host that performs information processing for cash transactions,
There is a DB that stores information related to the agent designated by the depositor for the transaction, and information generation means for generating personal identification information used in transactions by the agent and specific information related to the depositor and the agent. A host for storing the generated personal identification information and specific information in a DB;
A terminal carried by an agent, connected to the host via the network, and capable of obtaining personal information and specific information generated by the host;
An input unit input by a user and an operation unit having a display unit for displaying various information including guidance for transactions, a card mechanism unit for reading cash card information, and a deposit / withdrawal mechanism unit for depositing / withdrawing cash A cash automatic transaction apparatus having an information acquisition unit that acquires specific information from a terminal carried by an agent, and a transmission control unit that communicates with a host,
The transmission control unit of the automatic teller machine transmits the personal identification information input by the agent from the operation unit and the specific information acquired by the information acquisition unit to the host, and the host stores the received personal identification information and specific information in the DB. The system is configured as an automatic cash transaction system that performs a transaction designated by the depositor with respect to the agent when matching is made with related information held in advance and the result is matched.

In a preferred example, the information generating means generates a personal identification number and a QR code for the agent, and the terminal is a mobile phone that stores the personal identification number and the QR code received from the host in a memory, and obtains information. The unit is a QR code reading mechanism unit that reads a QR code, and the host is an automatic cash transaction system that uses a personal identification number and a QR code transmitted and received from an automatic cash transaction apparatus as targets of collation.
Preferably, the terminal has a terminal connected to a host via a network and operated by a depositor, and the depositor operates the terminal to select a transaction and designate an agent.
In addition, preferably, the host has means for sending an e-mail for notifying that the agent's mobile phone designated by the depositor has made a proxy request for the transaction.

The cash transaction processing method according to the present invention is preferably configured as follows. That is, an automatic cash transaction apparatus in which a depositor performs cash transactions using a cash card, and a host that is connected to the automatic cash transaction apparatus and has a DB for storing depositor's account information and performs information processing for cash transactions A cash transaction processing method in an automatic cash transaction system having
Pre-store information on the agent designated by the depositor for the transaction in the host in the DB, personal identification information used in the transaction by the agent, and specific information on the depositor and the agent A step of generating, a step of holding the generated personal identification information and specific information, a step of receiving the personal identification information and specific information generated by the host at a terminal carried by the agent, and a transaction operation in the automatic teller machine At this time, the step of acquiring specific information from the terminal carried by the agent, the step of transmitting the password information input by the agent from the operation unit and the specific information acquired by the information acquisition unit to the host, and the host receiving The personal identification information and specific information are checked against related information held in advance. Allowing an operation by the automated teller machine, a cash transaction processing method comprising the steps of: performing the specified transactions by depositors.

  According to the present invention, it becomes possible for a depositor to carry out a cash transaction by an agent without giving his / her cash card to another person and not teaching the personal identification number. Therefore, the service for depositors such as disabled persons who cannot go out can be improved.

An embodiment of the present invention will be described below with reference to the drawings.
FIG. 1 shows a configuration of an automatic cash transaction system.
In the cash transaction system, an ATM 1 that performs transactions such as cash deposits and withdrawals, a server 2 connected to the ATM 1, and a host computer (hereinafter simply referred to as a host) 3 connected to the server 2 are connected via a network. Further, the terminal 4 and the mobile phone 5 are connected to the Internet banking function 31 of the host 3 via a network.

  Here, the server 2 is a computer installed at each branch, for example. However, the server 2 can be omitted and a large number of ATMs 1 can be directly connected to the host. The host 3 manages the depositor's account and performs an account balance update process associated with the transaction at the ATM 1. The terminal 4 is a personal computer (PC) or a portable terminal, and enables Internet banking transactions via a network by a user operation.

The host 3 has a processing device and a database (DB). The DB is associated with the account number of the depositor, and the agent data (for example, the agent name, address, phone number, agent mobile phone number and mail address). , And agent's PIN). The registration procedure is carried out by the depositor entering the agent data including the agent's consent, signature, etc. in a predetermined application designated by the financial institution, stamping it and submitting it to the financial institution. In this embodiment, a plurality of agents can be registered.
Of course, in order to manage the depositor's account, the depositor's account number, account balance, depositor's personal identification number, and depositor's personal information (eg name, address, contact phone number, terminal 4 email address) Etc.).

  The host 3 has a function of generating a QR code every time a transaction is made by an agent. The QR code includes agent data and transaction details (for example, payment and payment amount, etc.). The generated QR code is transmitted to the mobile phone 5 of the agent and the ATM 1 of the business partner. The host 3 also performs various information processing and information communication for transactions with the terminal 4 and the mobile phone 5 in order to execute the functions of the Internet banking 31. As characteristic transaction processing, there is transaction processing by an agent as shown in FIGS.

  ATM 1 includes a magnetic card mechanism 101 that reads and writes information to and from a magnetic stripe of a cash card, a passbook printing mechanism 102 that reads and writes information to and from a magnetic stripe provided in a passbook, Banknote deposit / withdrawal mechanism 103 for making money, coin deposit / withdrawal mechanism 104 for depositing / withdrawing coins, power supply unit 105, control unit 106 for controlling the unit of the entire apparatus, statement slip printing for printing transaction details on statement slips A mechanism unit 107, an input unit input by the user, an operation unit 108 having a display unit for displaying various information including guidance for transactions, a transmission control unit 109 communicating with the host 3, and the mobile phone 5 of the agent Program file for controlling each unit of the QR code reading unit 110 and ATM 1 for reading the displayed QR code, bank name and It constructed an auxiliary storage device 111 for storing a store name file or the like. The statement slip printing mechanism unit 107 may also be used as a journal printing mechanism that prints a copy of a transaction as a journal.

Next, the depositor (requester) transaction reservation and host processing will be described with reference to the flow of FIG.
An agent (depositor) who is an agent who is a depositor connects his / her terminal 4 to the Internet banking function 31 of the host 3 of the financial institution of the deposit destination (S1). After connecting to Internet banking, the branch number, account number, and password of his / her own account are input from the terminal 4 (S2). After logging these information into the internet banking function 31, a transaction menu is acquired and displayed on the terminal 4, and for example, "# 9 agent transaction reservation" is selected from the display (S3). Thereafter, for example, “# 1 withdrawal” is selected as a transaction to be reserved (S4). Next, the personal identification number and the payment amount are input (S5), and these pieces of information are transmitted to the host 3 as reservation transaction contents.

The host 3 confirms the transaction contents from the received information, checks the received personal identification number against the personal identification number of the depositor registered in advance in the DB, and checks whether the transaction is from a legitimate individual. As a result of the check, in the case of a transaction by a legitimate person, the host 3 transmits the agent data registered in advance in the DB to the terminal 4.
The terminal 4 displays the received agent data, and when a plurality of agents are registered, the requester selects one agent from the plurality of agents (S6). In the illustrated example, the agent “Mr. AAA” is selected. When an agent is selected, the name and telephone number of the agent are displayed, and it is confirmed whether the agent is correct (S7). The client confirms that the agent is correct and operates the execution key.

  The host 3 sends an inquiry message to the client's terminal 4 stating that “the client requested the transaction and may send an email for notification”. Is confirmed (S8). Therefore, when the client operates the execution key, the host 3 transmits a mail to the agent's mobile phone 5, and when the transmission is completed, a message to that effect is transmitted to the client's terminal 4 and the client's operation ends ( S9). The transmission of the mail to the agent and the subsequent transaction processing will be described later with reference to FIGS.

With reference to FIG. 3, the transaction process between the agent's mobile phone and the host will be described.
In FIG. 3, the agent knows that there is a transaction requested by the client by receiving the mail transmitted from the host 3 by the mobile phone 5 (S10). The agent connects the mobile phone 5 to the Internet banking in order to receive details of the request (S11, S12). At that time, the agent inputs his / her password from the cellular phone 5 and transmits it to the host 3 (S13).

  The host 3 collates the received personal identification number with the personal identification number of the agent registered in advance in the DB, and checks whether the access is from a legitimate agent. As a result of the verification, if it is confirmed that the agent is a legitimate agent, the host 3 sends the requester's name, telephone number, and date / time information of acceptance of the transaction request to the mobile phone 5, and the mobile phone 5 sends the information Receive and display. When the agent confirms the displayed contents and operates the execution key (S14), the confirmation is transmitted to the host 3.

  After receiving the confirmation, the host 3 generates a personal identification number and a QR code for performing the transaction designated by the requester, and transmits them to the mobile phone 5. The mobile phone 5 receives these pieces of information and stores them in the memory (S15, S16). Here, the QR code includes the generated personal identification number, the transaction designated by the client, and the client's personal information and agent data. The personal identification number and QR code generated by the host 3 are issued at random for each transaction, and are valid only for the current transaction designated by the agent. That is, regarding the next transaction request from the same client, even if it is a request to the same agent, the PIN number and QR code that the agent can use at the ATM are different. The host 3 stores the generated personal identification number and QR code in the DB in association with the transaction of the client (depositor). This is for verification of transactions by a later agent.

Next, the transaction processing flow of ATM1 shown in FIG. 4 will be described.
The agent uses the mobile phone 5 to perform the transaction requested by the client at the ATM 1. In the memory of the mobile phone 5, the previously received QR code is read from the memory and displayed. When the displayed QR code is set at the reading position of the QR code reading mechanism 110, the QR code is read (S17). Further, the agent inputs the personal identification number for the current transaction received in the mobile phone 5 from the operation unit 108 of the ATM 1 (S18). The input password and the read QR code are transmitted to the host 3.

  The host 3 collates the received personal identification number with the personal identification number previously generated and stored. Further, the received QR code is collated with the QR code previously generated and stored. If they match as a result of these verifications, it is regarded as a legitimate designated transaction by a legitimate agent, and the subsequent operations are valid. Therefore, first, the personal information and agent data of the client registered in the DB are read out, transmitted to the ATM 1, and displayed on the operation unit 108 (S20). The agent confirms the client information and agent data displayed, for example, the name of the client and the name of the agent (S20). In order to confirm whether or not the client really requested the agent, the agent inputs the transaction contents (transaction selection, amount input) directly requested by the client by verbal or telephone from the operation unit 108 (S21). , S22). These pieces of information are exchanged with the host 3, and the transaction content designated by the client is displayed on the operation unit 108 (S23). If the agent determines that the displayed content is appropriate, the agent operates the confirmation key. In response to the operation of the confirmation key, the control unit 106 of the ATM 1 controls the bill / coin deposit / withdrawal mechanism units 103 and 104 to pay the designated cash. Further, the passbook printing mechanism unit 102 is controlled to print the statement slip and discharge it (S24). The agent receives the cash and statement slips withdrawn and ends a series of proxy transactions (S25).

As mentioned above, although one Example was described, the following proposals are raised as said modification.
For example, the present invention can be applied not only to the payment transaction according to the above embodiment, but also to other transactions such as deposits and transfers, and also to transactions using not only ATMs but also automatic payment machines, automatic passbook printing machines, etc. Applicable.
Moreover, in the said Example, although the mobile telephone is used as an apparatus for the transaction by an agent, it is not restricted to a mobile telephone, Other mobile terminals may be used.
In addition, the agent conducts transactions using ATM using the QR code generated by the host. However, the host generates not only the QR code but also the specific information encrypted, and allows the specific information to be read by ATM. Thus, information including the requester and the designation information can be communicated.

The figure which shows the structure of the automatic teller machine system by one Example, The figure which shows the flow of the processing operation of the depositor's transaction reservation and host 3 by one Example, The figure which shows the flow of the processing operation of the agent's mobile telephone 5 by one Example, and the host 3, The figure which shows the processing operation | movement flow of the payment transaction of ATM1 by the agent by one Example.

Explanation of symbols

1: ATM 101: Magnetic card mechanism unit 102: Passbook printing mechanism unit 103: Bill deposit / withdrawal mechanism unit 104: Coin deposit / withdrawal mechanism unit 105: Power supply unit 106: Control unit 107: Journal printing mechanism unit 108: Operation unit 109: Transmission Control unit 110: QR code reading mechanism unit 111: Auxiliary storage device 2: Server 3: Host computer 4: Terminal 5: Mobile phone

Claims (6)

An automatic cash transaction apparatus in which a depositor performs cash transactions using a cash card, and a host that is connected to the automatic cash transaction apparatus and has a DB for storing account information of the depositor and performs information processing for cash transactions In the automatic cash transaction system you have,
There is a DB that stores information related to the agent designated by the depositor for the transaction, and information generation means for generating personal identification information used in transactions by the agent and specific information related to the depositor and the agent. A host for storing the generated personal identification information and specific information in the DB;
A terminal that is connected to the host via a network and that can be obtained by the host and can be obtained by the host and carried by an agent;
An input unit input by a user and an operation unit having a display unit for displaying various information including guidance for transactions, a card mechanism unit for reading cash card information, and a deposit / withdrawal mechanism unit for depositing / withdrawing cash A cash automatic transaction apparatus having an information acquisition unit that acquires the specific information from the terminal carried by the agent, and a transmission control unit that communicates with the host,
The transmission control unit of the automatic teller machine transmits the password information input by the agent from the operation unit and the specific information acquired by the information acquisition unit to the host, and the host receives the password. Information and the specific information are compared with related information previously stored in the DB, and as a result of matching, the agent performs a transaction designated by the depositor for the agent. Automated trading system. The information generating means generates a password for the agent and a QR code,
The terminal is a mobile phone that stores the personal identification number and the QR code received from the host in a memory. The information acquisition unit is a QR code reading mechanism unit that reads the QR code. 2. The automatic cash transaction system according to claim 1, wherein the personal identification number and the QR code transmitted and received from the apparatus are to be collated. A terminal connected to the host via a network and operated by a depositor, wherein the depositor operates the terminal to select a transaction and designate an agent. 1 or 2 automatic cash transaction system. 3. The host device according to claim 2, further comprising means for sending an e-mail to inform the mobile phone of the agent designated by the depositor that there has been a proxy request for the transaction by the agent. Or 3 cash automatic transaction systems. The automatic teller machine used in the automatic teller machine system in any one of the said Claims 1 thru | or 4. An automatic cash transaction apparatus in which a depositor performs cash transactions using a cash card, and a host that is connected to the automatic cash transaction apparatus and has a DB for storing account information of the depositor and performs information processing for cash transactions A cash transaction processing method in an automatic cash transaction system having:
Pre-storing in the DB information relating to an agent designated by the depositor for the transaction at the host;
Generating personal information used in transactions by the agent and specific information regarding the depositor and the agent;
Holding the generated personal identification information and specific information;
Receiving the personal identification information and the specific information generated by the host at a terminal carried by an agent;
In the transaction operation in the automatic teller machine, obtaining the specific information from the terminal carried by the agent;
Transmitting the personal identification information input by the agent from the operation unit and the specific information acquired by the information acquisition unit to the host;
The personal identification information and the specific information received by the host are collated with related information held in advance, and if the result matches, the agent is allowed to operate the automatic teller machine, and the depositor And a step of performing a transaction specified by the cash transaction processing method.

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