JP2008204347A - Automatic transaction device and transaction processing method automatic transaction device - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To notify a dispensable limit amount increasing method to a user when the user demands an amount larger than a dispensable limit amount at an automatic transaction device authenticating identity by using registration data in a personal medium and carrying out dispensing transaction. <P>SOLUTION: In the case of dispensing transaction, a control unit 67 decides a transaction mode and a dispensable limit amount in compliance with identity authentication functions of personal mediums 5, 5-1, and 5-2, and if a demanded dispensing amount is above the dispensable limit mount, notifies a method for increasing the limit amount to a user through an operation panel 6-1 according to types of the personal mediums and the automatic transaction device 6. When the demanded amount is above the dispensable limit amount at the automatic transaction device, the method for increasing the dispensable limit amount available to the user is presented, the user can immediately recognize the method and carry out a desired procedure on the spot. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention relates to an automatic transaction apparatus that authenticates a person using a personally owned medium and permits a transaction, and a transaction processing method of the automatic transaction apparatus, and in particular, raises a transaction limit according to an authentication function of the personally owned medium. The present invention relates to an automatic transaction apparatus that performs guidance for the transaction and a transaction processing method of the automatic transaction apparatus.

  2. Description of the Related Art Devices that give a personal identification function to personally owned media, particularly personal cards, perform personal verification using personally owned media, and permit transactions are widely used. For example, as these apparatuses, an automatic cash transaction apparatus using a deposit card issued by a financial institution, an electronic transaction apparatus using a portable device approved by a financial institution, or the like is used.

  Such an automatic transaction apparatus conventionally uses a card with a magnetic stripe in which a personal identification number or an account number is written on a magnetic stripe. The automatic transaction apparatus reads the PIN code or account number of the magnetic stripe of the card inserted by the user, obtains the PIN code of the user input from the input device, and the PIN number extracted from the PIN code or account number of the card And the entered password are compared to verify the identity.

  On the other hand, with the increase in card crime in recent years, the magnetic stripe of the card is easy to read, so an IC chip is mounted on the card, and so-called IC cards that store such personal information in the IC chip are widely used. I am doing. An IC chip is a highly secure card that is easy to give a security function, is difficult to duplicate and read, and is highly safe.

  Furthermore, a biometric authentication method is becoming popular as a highly secure identity verification method. The biometric authentication method uses biometric information unique to a user such as a user's hand or finger vein pattern, fingerprint, face, iris, and the biometric information is registered in an IC card. The transaction device includes a detection device that detects the biometric information from the user, detects the biometric information of the user at the time of transaction, and compares the detected biometric information with the biometric information registered in the IC card. , Verify the identity.

  In this way, at present, three types of media are used as personal media used for transactions: a card with a magnetic stripe (MS card), an IC card, and an IC card with a biometric authentication function. It is used in combination with these.

  From this point of view, limit the transaction limit for transactions using cards, especially the withdrawal limit for withdrawal transactions (including transfer transactions), depending on the accuracy of identity verification and the security level of the card. Has been proposed (for example, Patent Document 1).

For example, in the identity verification using the MS card, the withdrawal limit is set to the minimum amount (for example, 500,000 yen), and in the identity verification using the IC card, the withdrawal limit is set to the intermediate amount (for example, 1 million yen), using the IC card. In identity verification using biometric authentication, the withdrawal limit is limited to the maximum amount (for example, 2 million yen). Such a withdrawal limit is effective for minimizing damage caused by card crime.
JP 2002-288424 A (paragraph 0021-paragraph 0036, Table 1, Table 2)

  The user is notified of these limits by the card issuing institution and should have recognized them, and if the withdrawal limit is exceeded by the automatic transaction apparatus, the transaction is impossible. However, there are cases where the user wants to increase the transaction limit when transactions cannot be made with these automatic transaction apparatuses. In such a case, it is difficult for the user to come up with a method for raising the limit amount that the user can use immediately. That is, from the beginning, if the user is familiar with the limit according to the security level, it is assumed that the card has already been switched to a card with a large limit.

  In particular, when the automatic transaction apparatus is congested or when it is desired to immediately perform a withdrawal transaction exceeding the limit amount, the user has little room to come up with a method for raising the amount. For this reason, the user makes inquiries at a window or the like and proceeds with the procedure. However, even when the user is congested, even the inquiry takes time. The same applies to an automatic transaction apparatus installed in an unattended store.

  Accordingly, an object of the present invention is to provide an automatic transaction apparatus and an automatic transaction apparatus for presenting a policy for raising a transaction limit amount that can be used by a user when the transaction limit is exceeded and the transaction becomes impossible. It is to provide a transaction processing method.

  Another object of the present invention is to present a policy for increasing the transaction limit available to the user when the transaction limit is exceeded and the transaction becomes impossible. It is to provide an automatic transaction apparatus and a transaction processing method for an automatic transaction apparatus for raising the price.

  Still another object of the present invention is to present a procedure for raising the transaction limit available to the user when the transaction limit is exceeded and the transaction becomes impossible. An object of the present invention is to provide an automatic transaction apparatus and a transaction processing method for the automatic transaction apparatus.

  In order to achieve this object, the present invention provides an automatic transaction apparatus that performs personal identification using personal data registered in a user's personal medium and executes a withdrawal transaction process desired by the user. , The reading unit for reading the stored contents of the personal medium, the operation panel operated by the user, verification of the identity by comparing the input personal data and the registered personal data, and the identity verification is good In some cases, a control unit that compares the amount input from the operation panel with a withdrawal limit and executes the withdrawal transaction when the input amount is equal to or less than the withdrawal limit. And the control unit detects an identity confirmation function of the personal medium, and determines the transaction mode of the withdrawal system by the identity confirmation function of the personal medium and the identity confirmation function given to the automatic transaction apparatus. Decision , If it is determined that the input amount exceeds the withdrawal limit of the determined transaction mode, a measure for acquiring another identity verification function of the user for raising the withdrawal limit or other A screen for notifying the user of the automatic transaction apparatus having the identity verification function is displayed on the operation panel.

  Further, the present invention relates to a transaction processing method for an automatic transaction apparatus that performs personal identification using personal data registered in a user's personal medium, and executes a transaction processing of a withdrawal system desired by the user. Using the reading unit, reading the stored contents of the personal medium, verifying the identity by collating the input personal data with the registered personal data, and if the identity verification is good, A transaction execution step of comparing the amount input from the operation panel with a withdrawal limit, and executing the withdrawal transaction when the input amount is less than or equal to the withdrawal limit; The transaction executing step detects an identity confirmation function of the personal medium, and uses the personal media identity confirmation function and an identity confirmation function given to the transaction processing method of the automatic transaction apparatus to perform the withdrawal transaction mode. And determining another identity verification function of the user for raising the withdrawal limit when it is determined that the input amount exceeds the withdrawal limit for the determined transaction mode. Displaying on the operation panel a screen for notifying the user of the transaction processing method of the automatic transaction apparatus of the measure to perform or other identity verification function.

  Furthermore, in the present invention, preferably, as a measure for raising the withdrawal limit, the control unit provides a measure for the user to acquire an identity verification function by biometric authentication or an automatic transaction apparatus with a biometric authentication function. A screen for notifying the user of guidance is displayed on the operation panel.

  Furthermore, in the present invention, it is preferable that the control unit detects a personal identification function by the personal medium from the type of the personal medium read by the reading unit.

  In the present invention, it is preferable that the reading unit reads and identifies both an IC card and a card with a magnetic stripe as the personal medium.

  Further, in the present invention, it is preferable that the control unit executes at least one of the transaction using the IC card and the transaction using the card with the magnetic stripe according to the type of the personal medium, and the input. When it is determined that the amount exceeds the withdrawal limit of the transaction mode determined by the card with magnetic stripe, an application screen for an IC card with a biometric authentication function for raising the withdrawal limit is displayed on the operation panel. To display.

  Further, in the present invention, it is preferable that the control unit executes at least one of the transaction using the IC card and the transaction using the card with the magnetic stripe according to the type of the personal medium, and the input. When it is determined that the amount exceeds the withdrawal limit of the transaction mode determined by the IC card, a procedure screen for an IC card with a biometric authentication function or an automatic biometric authentication function for raising the withdrawal limit A guidance screen to the transaction apparatus is displayed on the operation panel.

  Furthermore, in the present invention, it is preferable to further include a biometric data detection unit that detects the biometric data of the user, and the control unit is at least one of the transaction by the IC card and the transaction by the biometric authentication. To increase the withdrawal amount when it is determined that the input amount exceeds the withdrawal limit of the transaction mode determined by the IC card. A procedure screen for an IC card with a biometric authentication function is displayed on the operation panel.

  In the present invention, in the case of a withdrawal transaction, the transaction mode and withdrawal limit are determined according to the identity verification function of the personal medium, and if the requested withdrawal amount exceeds the limit, the individual The user is notified of a policy for raising the limit according to the type of the medium and the automatic transaction apparatus. For this reason, the user is presented with a method of raising the limit that can be used by the user when the transaction becomes impossible due to the transaction limit being exceeded by the automatic transaction device. In addition, this method can be recognized and a desired procedure can be executed on the spot.

  Hereinafter, the embodiment of the present invention will be described as an automatic transaction apparatus, a first embodiment of transaction processing, a second embodiment of transaction processing, a third embodiment of transaction processing, and other embodiments. It explains in order.

[Automatic transaction equipment]
1 is an external view of an automatic transaction apparatus according to an embodiment of the present invention, FIG. 2 is a configuration diagram of the automatic transaction apparatus of FIG. 1, FIG. 3 is a configuration diagram of a card with a magnetic stripe, and FIG. FIG. 5 is a relational diagram showing the correspondence between the types of cards and the types of transactions according to the types of automatic transaction apparatuses. 1 and 2 show an automatic cash transaction apparatus having biometric authentication hardware in a financial institution as an automatic transaction apparatus.

  As shown in FIG. 1, an automatic cash transaction apparatus (referred to as ATM) 6 has a card insertion / discharge port 6-4, a passbook insertion / discharge port 6-5, and a banknote insertion / discharge port 6-3 on the front surface thereof. And a coin insertion / release port 6-2 and a customer operation panel 6-1 for operation and display. The customer operation panel 6-1 is constituted by a display device with a touch panel, and displays a screen for inputting a user's operation guidance and a transaction item, an amount of money, and the like, and is selected by the user by operating the user's touch panel Detect items etc.

  The biometric authentication detection device 1 is provided beside the customer operation panel 6-1. The biometric authentication detection device 1 is configured by, for example, an imaging device that captures a vein image of a palm.

  As shown in FIG. 2, the ATM 6 includes a CIP (Card Reader Printer) unit 60 having a card insertion / discharge port 6-4, a passbook unit 64 having a passbook insertion / discharge port 6-5, and a bill insertion / discharge port. 6-3 and a bill / coin counting unit 66 having a coin insertion / discharge port 6-2, a clerk operation unit 65, a control unit 67, a customer operation panel 6-1 for operation and display, and an imaging device (Venous sensor) 1.

  The CIP unit 60 includes an IC card reader / writer 61 that reads / writes the magnetic stripe and IC of the user's card 5, a receipt printer 63 that records transactions on receipts, and a journal that prints transaction history on journal paper. And a printer 62.

  The bankbook unit 64 records a transaction on the page of the bankbook and turns the page as necessary. The clerk operation unit 65 performs operations for status display, when a failure occurs, at the time of inspection, and the like for clerk operation. The bill / coin counting unit 66 performs discrimination, counting, and storing of the inserted bill / coin and counting and discharging of the requested bill / coin.

  The control unit 67 has an ATM application 68 that communicates with the server 4 and controls ATM operation, and an authentication library 69 for authentication processing. A part of the ATM application 68 performs guidance screen control of the customer operation panel 6-1 in cooperation with the authentication library 67.

  The IC card reader / writer 61 can read / write both the card with magnetic stripe (MS card) 5-1 shown in FIG. 3 and the IC card 5-2 shown in FIG. A card 5-1 with a magnetic stripe in FIG. 3 is obtained by providing a magnetic stripe 52 on a card substrate 50. On the other hand, the IC card 5-2 of FIG. 4 is obtained by providing a magnetic stripe 52 and an IC (integrated circuit) 54 on a card substrate 50. The IC 54 has a memory, a CPU, and a predetermined interface circuit, and can incorporate a program.

  The biometric authentication-compatible IC card includes a biometric authentication application program (referred to as biometric authentication APL) and user biometric data as the program. The biometric authentication APL causes the CPU in the IC card to execute biometric data encryption, decryption, and access control of biometric data registered in the memory. In addition, the biometric authentication APL compares the biometric data detected by the detection device 1 with the registered biometric data in the memory to confirm the identity.

  In order to give a biometric authentication function to such an IC card, a user applies for the issuance of a biometric card to the card issuing institution, and the card issuing institution mounts (writes) the biometric authentication APL on the IC card. Send the IC card to the user.

  In order to use the biometric authentication card, the user goes to the financial institution's window during business hours of the financial institution and performs a predetermined procedure. The biometric data is registered in the IC card. In other words, the biometric authentication detector at the counter detects its own living body and registers it in the IC card. And in order to verify whether there is no problem in operation, the biometric detector of the window is detected again by the biometric authentication detector at the counter, and the detected biometric data is collated with the biometric data registered in the IC card, Verify whether you can identify yourself. If the verification result is good, the user can use the IC card to perform the transaction with peace of mind using the automatic transaction apparatus with biometric authentication.

  Thus, in order to maintain and use security before actually using an IC card having a biometric authentication function, the user takes various efforts. Therefore, actually, even a user who has applied for the IC card biometric authentication function may not have performed biometric data registration procedures.

  Therefore, the IC card held by the user includes an IC card having no biometric authentication function, an IC card having only the biometric authentication APL, and an IC card having the biometric authentication APL and biometric data. To do.

  FIG. 5 shows the relationship between such a user's card form, the type of automatic transaction apparatus, and possible transactions. That is, there are four types of user cards: an IC card without a biometric authentication function, an IC card with only a biometric authentication APL, and an IC card with a biometric authentication APL and biometric data. The transaction device is an IC card compatible automatic transaction device having a biometric authentication function, an IC card compatible automatic transaction device not having a biometric authentication function, and an IC card not compatible with an MS card only automatic function. There are three with transaction equipment.

  FIG. 6 is an external view of an automatic transaction apparatus according to another embodiment of the present invention, and FIG. 7 is a configuration diagram of the automatic transaction apparatus of FIG. 6 and 7 show an automatic cash transaction apparatus having no biometric authentication hardware in a financial institution as an example of an automatic transaction apparatus.

  As shown in FIG. 6, an automatic cash transaction apparatus (referred to as ATM) 6 without biometric authentication hardware has a card insertion / discharge port 6-4 and a passbook insertion / extraction on its front surface, as with the ATM of FIG. It has an exit 6-5, a bill insertion / discharge port 6-3, a coin insertion / discharge port 6-2, and a customer operation panel 6-1 for operation and display. The customer operation panel 6-1 is constituted by a display device with a touch panel, and displays a screen for inputting a user's operation guidance and a transaction item, an amount of money, and the like, and is selected by the user by operating the user's touch panel Detect items etc.

  Also, in this ATM 6, unlike the ATM in FIG. 1, the biometric authentication detecting device 1 is not provided. For this reason, as shown in FIG. 7, the ATM 6 has a CIP (Card Reader Printer) unit 60 having the card insertion / discharge port 6-4 described in FIG. 2 and a passbook unit having a passbook insertion / discharge port 6-5. 64, a bill / coin counting unit 66 having a bill insertion / discharge port 6-3 and a coin insertion / discharge port 6-2, a clerk operation unit 65, a control unit 67, and a customer operation for operation and display Panel 6-1.

  Further, the control unit 67 has an ATM application 68 that communicates with the server 4 and performs ATM operation control, and does not have the authentication library 69 shown in FIG.

  The IC card reader / writer 61 in FIGS. 2 and 7 can identify whether the card inserted into the user is the MS card 5-1 in FIG. 3 or the IC card 5-2 in FIG. .

  Further, the control unit 67 of FIG. 2 executes MS transaction processing if the MS card 5-1 is obtained from the identification result from the IC card reader / writer 61. In the case of the IC card 5-2, the control unit 67 inquires of the IC card reader / writer 61 about biometric authentication APL and mounting of biometric data.

  When the control unit 67 in FIG. 2 obtains a response that the biometric authentication APL and the biometric data are mounted, the control unit 67 executes a transaction process using the biometric authentication and only the biometric authentication APL is mounted, When a response indicating that the authentication APL is not installed is obtained, IC card transaction processing is performed.

  Furthermore, the control part 67 of FIG. 7 will perform MS transaction processing, if it is MS card 5-1, from the identification result from the IC card reader / writer 61. If it is IC card 5-2, control part 67 will perform IC card transaction processing.

  These control units 67 further perform processing for raising the limit amount when the limit amount described below is exceeded.

[First embodiment of transaction processing]
8 and 9 are processing flowcharts of the first embodiment of the transaction processing of the present invention. In the IC card 5-2 in FIG. 4, the biometric authentication APL is mounted and the biometric data is not registered. The processing of the automatic transaction apparatus of FIGS. FIG. 8 shows the processing when checking the transaction limit amount offline, and FIG. 9 shows the processing when checking the transaction limit amount online.

  First, the offline check transaction process will be described with reference to FIG.

  (S10) In the customer waiting state, the control unit 67 of the ATM 6 detects whether the user has faced in front of the customer operation panel (hereinafter referred to as UOP) 6-1 by an unillustrated sensor.

  (S12) When the sensitive sensor detects the user, the control unit 67 displays a card insertion screen on the UOP 6-1. When the user inserts the IC card 5-2 into the IC card reader / writer 61, the IC card reader / writer 61 determines whether the inserted card is the IC card 5-2 or an MS card. It is determined whether or not there is, and the control unit 67 is notified. If the notified card type is an IC card, the control unit 67 inquires whether the biometric authentication APL and the biometric data are registered in the inserted IC card 5-2 via the IC card reader / writer 61. . In this case, since the biometric data has not been registered, the control unit 67 determines the normal IC transaction mode as the transaction mode, as shown in FIG. And the control part 67 displays a transaction item selection screen on UOP6-1. The user operates the UOP 6-1 to select a payment or account transfer key that is a withdrawal system.

  (S14) In response to the selection of this withdrawal transaction item, the control unit 67 displays a password input screen on the UOP 6-1. When the user operates the UOP 6-1 to input a password, the control unit 67 confirms the identity of the user by comparing with the password in the IC card 5-2.

  (S16) If the identity verification is good, the control unit 67 displays an amount input screen on the UOP 6-1. The user operates the UOP 6-1 to input the withdrawal amount from the account.

  (S18) The control unit 67 compares the limit amount (for example, 500,000 yen) in the IC transaction mode determined in step S12 with the input withdrawal amount. If the withdrawal amount does not exceed the determined limit, a normal withdrawal transaction is performed. That is, it performs transmission / reception with the center, receives a permission message from the center, releases cash and a medium (card, receipt, etc.), and ends the transaction. On the other hand, when the control unit 67 determines that the withdrawal amount exceeds the determined limit amount, the control unit 67 confirms that the biometric data has not been registered in the IC card 5-2 inquired in step S12.

  (S20) After this confirmation, the control unit 67 displays a screen showing the limit raising strategy that the user can use with this IC card on the UOP 6-1. In FIG. 8, the screen displays that “the limit amount of cards used is 500,000” and a policy for raising the limit amount. The control unit 67 determines a limit raising policy. In this case, since the user's card is an IC card and the biometric authentication APL is mounted on the IC card, when the control unit 67 registers biometric authentication data in the card, the transaction mode is biometric authentication IC. It becomes a transaction and it is determined that the limit amount will be increased. For this reason, on the screen, “When biometric authentication data is registered in the card, the transaction limit is 1 million”, and the procedure “Biometric authentication data can be done at business hours on weekdays at the counter” is displayed. I do.

  (S22) When the user touches the confirmation key displayed on the UOP 6-1, the control unit 67 returns the medium (in this case, the IC card 5-2). In the case of normal transaction in step S18, the IC card and cash and receipt (in the case of payment) or the IC card and receipt (in the case of transfer) are returned. And if a user takes a return medium, a transaction will be complete | finished.

  In this way, in the case of a withdrawal transaction, the control unit 67 determines the transaction mode and the withdrawal limit according to the type of card, and when the requested withdrawal amount exceeds the limit amount. Depending on the type of card and automatic transaction device, the user is notified of measures to increase the limit.

  For this reason, the user is presented with a method of raising the limit that can be used by the user when the transaction becomes impossible due to the transaction limit being exceeded by the automatic transaction device. In addition, this method can be recognized and a desired procedure can be executed on the spot.

  Next, an online limit amount check transaction process will be described with reference to FIG.

  (S30) In the customer waiting state, the control unit 67 of the ATM 6 detects whether the user has faced in front of the customer operation panel (hereinafter referred to as UOP) 6-1 with an unillustrated impression sensor.

  (S32) When the sensitive sensor detects the user, the control unit 67 displays a card insertion screen on the UOP 6-1. When the user inserts the IC card 5-2 into the IC card reader / writer 61, the IC card reader / writer 61 determines whether the inserted card is the IC card 5-2 or an MS card. It is determined whether or not there is, and the control unit 67 is notified. If the notified card type is an IC card, the control unit 67 inquires whether the biometric authentication APL and the biometric data are registered in the inserted IC card 5-2 via the IC card reader / writer 61. . In this case, since the biometric data has not been registered, the control unit 67 determines the normal IC transaction mode as the transaction mode, as shown in FIG. And the control part 67 displays a transaction item selection screen on UOP6-1. The user operates the UOP 6-1 to select a payment or account transfer key that is a withdrawal system.

  (S34) In response to the selection of this withdrawal transaction item, the control unit 67 displays a password input screen on the UOP 6-1. When the user operates the UOP 6-1 to input a password, the control unit 67 confirms the identity of the user by comparing with the password in the IC card 5-2.

  (S36) When the identity verification is good, the control unit 67 displays an amount input screen on the UOP 6-1. The user operates the UOP 6-1 to input the withdrawal amount from the account.

  (S38) The control unit 67 transmits the contents of the card, the input withdrawal amount, and the transaction mode (or card type) to the center (host server 4 in FIGS. 2 and 4). The center first compares the possible withdrawal amount (for example, balance) of the user's account with the input withdrawal amount. If the withdrawal amount is within the possible withdrawal amount, the center compares the IC transaction mode limit amount (for example, 500,000 yen) with the entered withdrawal amount. When the withdrawal amount does not exceed the determined limit amount, a transaction permission message is transmitted to the control unit 67 so as to perform a normal withdrawal transaction. On the other hand, the center sends a transaction rejection message to the control unit 67 when the withdrawal amount exceeds the possible withdrawal amount or exceeds the withdrawal limit.

  (S40) The control unit 67 determines whether the message from the center is a rejection message. If it is not a refusal message, it is a permission message, so a normal withdrawal transaction is performed, and the process proceeds to step S44. On the other hand, if it is a refusal message, the control unit 67 determines whether the withdrawal amount exceeds the determined limit amount, so that the biometric data is not registered in the IC card 5-2 inquired in step S12. Confirm that there was.

  (S42) After this confirmation, the control unit 67 displays a screen showing the limit raising strategy that the user can use with this IC card on the UOP 6-1. In FIG. 9, the screen displays that “the limit amount of cards used is 500,000” and a policy for raising the limit amount. The control unit 67 determines a limit raising policy. In this case, since the user's card is an IC card and the biometric authentication APL is mounted on the IC card, when the control unit 67 registers biometric authentication data in the card, the transaction mode is biometric authentication IC. It becomes a transaction and it is determined that the limit amount will be increased. For this reason, on the screen, “When biometric authentication data is registered in the card, the transaction limit is 1 million”, and the procedure “Biometric authentication data can be done at business hours on weekdays at the counter” is displayed. I do.

  (S44) When the user touches the confirmation key displayed on the UOP 6-1, the control unit 67 returns the medium (in this case, the IC card 5-2). In addition, when a normal transaction is made in step S40, the IC card and cash and receipt (in the case of payment) or the IC card and receipt (in the case of transfer) are returned. And if a user takes a return medium, a transaction will be complete | finished.

  In this way, in the case of a withdrawal transaction, the control unit 67 determines the transaction mode and the withdrawal limit according to the type of card, and when the requested withdrawal amount exceeds the limit amount. Depending on the type of card and automatic transaction device, the user is notified of measures to increase the limit.

  For this reason, the user is presented with a method of raising the limit that can be used by the user when the transaction becomes impossible due to the transaction limit being exceeded by the automatic transaction device. In addition, this method can be recognized and a desired procedure can be executed on the spot.

  In addition, since the limit amount is checked at the center, it can be checked at the same time as checking the balance, etc., and even within the limit amount, it can be recognized at an early stage that the balance is insufficient and the transaction becomes impossible.

[Second Embodiment of Transaction Processing]
10 and 11 are flowcharts of the transaction processing according to the second embodiment of the present invention. In the IC card 5-2 in FIG. 4, the biometric authentication APL is mounted and the biometric data is also registered. The processing of the automatic transaction apparatus without the biometric authentication hardware of FIGS. FIG. 10 shows processing when checking the transaction limit amount offline, and FIG. 11 shows processing when checking the transaction limit amount online.

  First, an off-line limit check transaction process will be described with reference to FIG.

  (S50) In the customer waiting state, the control unit 67 of the ATM 6 detects whether or not the user has faced the customer operation panel (hereinafter referred to as UOP) 6-1 by a not-shown impression sensor.

  (S52) When the sensitive sensor detects the user, the control unit 67 displays a card insertion screen on the UOP 6-1. When the user inserts the IC card 5-2 into the IC card reader / writer 61, the IC card reader / writer 61 determines whether the inserted card is the IC card 5-2 or an MS card. It is determined whether or not there is, and the control unit 67 is notified. If the notified card type is an IC card, the control unit 67 inquires whether the biometric authentication APL and the biometric data are registered in the inserted IC card 5-2 via the IC card reader / writer 61. . In this case, the biometric data has been registered, but the ATM 6 does not have the biometric authentication hardware installed. Therefore, as shown in FIG. 5, the control unit 67 determines the normal IC transaction mode as the transaction mode. And the control part 67 displays a transaction item selection screen on UOP6-1. The user operates the UOP 6-1 to select a payment or account transfer key that is a withdrawal system.

  (S54) In response to the selection of this withdrawal transaction item, the control unit 67 displays a password input screen on the UOP 6-1. When the user operates the UOP 6-1 to input a password, the control unit 67 confirms the identity of the user by comparing with the password in the IC card 5-2.

  (S56) When the identity verification is good, the control unit 67 displays a money amount input screen on the UOP 6-1. The user operates the UOP 6-1 to input the withdrawal amount from the account.

  (S58) The control unit 67 compares the limit amount (for example, 500,000 yen) in the IC transaction mode determined in step S52 with the input withdrawal amount. If the withdrawal amount does not exceed the determined limit, a normal withdrawal transaction is performed. That is, it performs transmission / reception with the center, receives a permission message from the center, releases cash and a medium (card, receipt, etc.), and ends the transaction. On the other hand, when determining that the withdrawal amount exceeds the determined limit amount, the control unit 67 confirms that the biometric data is registered in the IC card 5-2 inquired in step S52. Further, the control unit 67 detects from the apparatus configuration information that the biometric authentication unit (the biometric sensor 1 in FIGS. 1 and 2) is not installed in the ATM 6.

  (S60) After this confirmation, the control unit 67 displays a screen showing a policy for raising the limit that the user can use with this card on the UOP 6-1. In FIG. 10, the screen displays that “the limit amount of cards used in this apparatus is 500,000” and a policy for raising the limit amount. The control unit 67 determines a limit raising policy. In this case, since the user's card is an IC card and the biometric authentication APL and the biometric data are mounted on the IC card, the control unit 67 is an ATM with a biometric authentication function (FIGS. 1 and 2). When the transaction is made, the transaction mode is a biometric authentication IC transaction, and it is determined that the limit amount is increased. For this reason, on the screen, “Card with biometric authentication data is registered. If you trade with ATM with biometric authentication, the transaction limit will be 1 million”, “ATM with biometric authentication function is a procedure for that, “Which store (here is our store)” is displayed.

  (S62) When the user touches the confirmation key displayed on the UOP 6-1, the control unit 67 returns the medium (in this case, the IC card 5-2). In the case of normal transaction in step S58, the IC card and cash and receipt (in the case of payment) or the IC card and receipt (in the case of transfer) are returned. And if a user takes a return medium, a transaction will be complete | finished.

  In this way, in the case of a withdrawal transaction, the control unit 67 determines the transaction mode and the withdrawal limit according to the type of card, and when the requested withdrawal amount exceeds the limit amount. Depending on the type of card and automatic transaction device, the user is notified of measures to increase the limit.

  For this reason, the user is presented with a method of raising the limit that can be used by the user when the transaction becomes impossible due to the transaction limit being exceeded by the automatic transaction device. In addition, this method can be recognized and a desired procedure can be executed.

  Next, an online limit check transaction process will be described with reference to FIG.

  (S70) In the customer waiting state, the control unit 67 of the ATM 6 detects whether or not the user has faced the customer operation panel (hereinafter referred to as UOP) 6-1 by a sensor not shown.

  (S72) When the sensitive sensor detects the user, the control unit 67 displays a card insertion screen on the UOP 6-1. When the user inserts the IC card 5-2 into the IC card reader / writer 61, the IC card reader / writer 61 determines whether the inserted card is the IC card 5-2 or an MS card. It is determined whether or not there is, and the control unit 67 is notified. If the notified card type is an IC card, the control unit 67 inquires whether the biometric authentication APL and the biometric data are registered in the inserted IC card 5-2 via the IC card reader / writer 61. . In this case, the biometric data has been registered, but the ATM 6 does not have the biometric authentication hardware installed. Therefore, as shown in FIG. 5, the control unit 67 determines the normal IC transaction mode as the transaction mode. And the control part 67 displays a transaction item selection screen on UOP6-1. The user operates the UOP 6-1 to select a payment or account transfer key that is a withdrawal system.

  (S74) In response to the selection of this withdrawal transaction item, the control unit 67 displays a password input screen on the UOP 6-1. When the user operates the UOP 6-1 to input a password, the control unit 67 confirms the identity of the user by comparing with the password in the IC card 5-2.

  (S76) When the identity verification is good, the control unit 67 displays an amount input screen on the UOP 6-1. The user operates the UOP 6-1 to input the withdrawal amount from the account.

  (S78) The control unit 67 transmits the contents of the card, the input withdrawal amount, and the transaction mode (or card type) to the center (branch server 4 in FIGS. 2 and 4). The center first compares the possible withdrawal amount (for example, balance) of the user's account with the input withdrawal amount. If the withdrawal amount is within the possible withdrawal amount, the center compares the IC transaction mode limit amount (for example, 500,000 yen) with the entered withdrawal amount. When the withdrawal amount does not exceed the determined limit amount, a transaction permission message is transmitted to the control unit 67 so as to perform a normal withdrawal transaction. On the other hand, the center sends a transaction rejection message to the control unit 67 when the withdrawal amount exceeds the possible withdrawal amount or exceeds the withdrawal limit.

  (S80) The control unit 67 determines whether the message from the center is a rejection message. If it is not a refusal message, it is a permission message, so a normal withdrawal transaction is performed, and the process proceeds to step S84. On the other hand, if it is a refusal message, the control unit 67 determines whether the withdrawal amount exceeds the determined limit amount, so that the biometric data is registered in the IC card 5-2 inquired in step S72. Make sure. Further, the control unit 67 detects from the apparatus configuration information that the biometric authentication unit (the biometric sensor 1 in FIGS. 1 and 2) is not installed in the ATM 6.

  (S82) After this confirmation, the control unit 67 displays a screen showing a policy for raising the limit that the user can use with this card on the UOP 6-1. In FIG. 11, the screen displays that “the limit amount of cards used in this device is 500,000” and a policy for raising the limit amount. The control unit 67 determines a limit raising policy. In this case, since the user's card is an IC card and the biometric authentication APL and the biometric data are mounted on the IC card, the control unit 67 is an ATM with a biometric authentication function (FIGS. 1 and 2). When the transaction is made, the transaction mode is a biometric authentication IC transaction, and it is determined that the limit amount is increased. For this reason, on the screen, “Card with biometric authentication data is registered. If you trade with ATM with biometric authentication, the transaction limit will be 1 million”, “ATM with biometric authentication function is a procedure for that, “Which store (here is our store)” is displayed.

  (S84) When the user touches the confirmation key displayed on the UOP 6-1, the control unit 67 returns the medium (in this case, the IC card 5-2). In the case of normal transaction in step S80, the IC card and cash and receipt (in the case of payment) or the IC card and receipt (in the case of transfer) are returned. And if a user takes a return medium, a transaction will be complete | finished.

  This embodiment also has the same effect as that of FIG. In addition, since the limit amount is checked at the center, it can be performed simultaneously with the balance check.

[Third embodiment of transaction processing]
FIGS. 12 and 13 are process flow diagrams of the third embodiment of the transaction process of the present invention, and the automatic transaction apparatus of FIGS. 1, 2, 6, and 7 in the case of the MS card 5-1 of FIG. The process of is shown. FIG. 12 shows processing when checking the transaction limit amount offline, and FIG. 13 shows processing when checking the transaction limit amount online.

  First, an off-line limit check transaction process will be described with reference to FIG.

  (S90) In the customer waiting state, the control unit 67 of the ATM 6 detects whether or not the user has faced the customer operation panel (hereinafter referred to as UOP) 6-1 by a not-shown impression sensor.

  (S92) When the sensitive sensor detects the user, the control unit 67 displays a card insertion screen on the UOP 6-1. When the user inserts the MS card 5-1 into the IC card reader / writer 61, the IC card reader / writer 61 determines whether the inserted card is the IC card 5-2 or the MS card 5 -1 is determined and notified to the control unit 67. When the notified card type is the MS card 5-1, the control unit 67 determines the MS transaction mode as the transaction mode. And the control part 67 displays a transaction item selection screen on UOP6-1. The user operates the UOP 6-1 to select a payment or account transfer key that is a withdrawal system.

  (S94) In response to the selection of this withdrawal transaction item, the control unit 67 displays a password input screen on the UOP 6-1. When the user operates the UOP 6-1 and inputs a password, the control unit 67 confirms the identity of the user by comparing it with the password number in the MS card 5-1.

  (S96) When the identity verification is good, the control unit 67 displays an amount input screen on the UOP 6-1. The user operates the UOP 6-1 to input the withdrawal amount from the account.

  (S98) The control unit 67 compares the limit amount (for example, 100,000 yen) in the MS transaction mode determined in step S92 with the input withdrawal amount. If the withdrawal amount does not exceed the determined limit, a normal withdrawal transaction is performed. That is, it performs transmission / reception with the center, receives a permission message from the center, releases cash and a medium (card, receipt, etc.), and ends the transaction. On the other hand, when determining that the withdrawal amount exceeds the determined limit amount, the control unit 67 confirms that the card type detected in step S92 is an MS card.

  (S100) After this confirmation, the control unit 67 displays a screen indicating a policy for raising the limit that the user can use, on the UOP 6-1, using the card. In FIG. 12, the screen displays that “the limit amount of cards used is 100,000” and a policy for raising the limit amount. The control unit 67 determines a limit raising policy. In this case, since the user's card is an MS card, when the card with a biometric authentication function is created, the control unit 67 determines that the transaction mode is a biometric IC transaction and the limit is increased. For this reason, on the screen, “If you create a card with biometric authentication function, the transaction limit will be 1 million,” which is the procedure for that. “Send to registered address” is displayed.

  (S102) When the user touches the “apply” or “not apply” key displayed on the UOP 6-1, the control unit 67 returns the medium (in this case, the MS card 5-1). In the case of normal transaction in step S98, the MS card and cash and receipt (in the case of payment) or the MS card and receipt (in the case of transfer) are returned. And if a user takes a return medium, a transaction will be complete | finished.

  Thus, since the policy for raising the transaction limit is presented to the user depending on the card type of the user, the user can immediately recognize the policy for raising the transaction limit. In this example, since a key for selecting an application for raising the transaction limit is displayed on the screen, the user can make an application without any further trouble.

  Next, an off-line limit check transaction process will be described with reference to FIG.

  (S110) In the customer waiting state, the control unit 67 of the ATM 6 detects whether or not the user has faced the customer operation panel (hereinafter referred to as UOP) 6-1 by a not-shown impression sensor.

  (S112) When the sensitive sensor detects a user, the control unit 67 displays a card insertion screen on the UOP 6-1. When the user inserts the MS card 5-1 into the IC card reader / writer 61, the IC card reader / writer 61 determines whether the inserted card is the IC card 5-2 or the MS card 5 -1 is determined and notified to the control unit 67. When the notified card type is the MS card 5-1, the control unit 67 determines the MS transaction mode as the transaction mode. And the control part 67 displays a transaction item selection screen on UOP6-1. The user operates the UOP 6-1 to select a payment or account transfer key that is a withdrawal system.

  (S114) In response to the selection of this withdrawal transaction item, the control unit 67 displays a password input screen on the UOP 6-1. When the user operates the UOP 6-1 and inputs a password, the control unit 67 confirms the identity of the user by comparing it with the password number in the MS card 5-1.

  (S116) When the identity verification is good, the control unit 67 displays an amount input screen on the UOP 6-1. The user operates the UOP 6-1 to input the withdrawal amount from the account.

  (S118) The control unit 67 transmits the contents of the card, the input withdrawal amount, and the transaction mode (or card type) to the center (branch server 4 in FIGS. 2 and 4). The center first compares the possible withdrawal amount (for example, balance) of the user's account with the input withdrawal amount. If the withdrawal amount is within the possible withdrawal amount, the center compares the limit amount (for example, 100,000 yen) in the MS transaction mode with the input withdrawal amount. When the withdrawal amount does not exceed the determined limit amount, a transaction permission message is transmitted to the control unit 67 so as to perform a normal withdrawal transaction. On the other hand, the center sends a transaction rejection message to the control unit 67 when the withdrawal amount exceeds the possible withdrawal amount or exceeds the withdrawal limit.

  (S120) The control unit 67 determines whether the message from the center is a rejection message. If it is not a refusal message, it is a permission message, so a normal withdrawal transaction is performed, and the process proceeds to step S124. On the other hand, if the control unit 67 is a rejection message, the card type detected in step S112 is an MS card in order to determine whether the withdrawal amount exceeds the determined limit amount. Make sure.

  (S122) After this confirmation, the control unit 67 displays a screen indicating a policy for raising the limit that the user can use, on the UOP 6-1, using the card. In FIG. 13, the screen displays that “the limit amount of cards used is 100,000” and a policy for raising the limit amount. The control unit 67 determines a limit raising policy. In this case, since the user's card is an MS card, when the card with a biometric authentication function is created, the control unit 67 determines that the transaction mode is a biometric IC transaction and the limit is increased. For this reason, on the screen, “If you create a card with biometric authentication function, the transaction limit will be 1 million,” which is the procedure for that. “Send to registered address” is displayed.

  (S124) When the user touches the “apply” or “not apply” key displayed on the UOP 6-1, the control unit 67 returns the medium (in this case, the MS card 5-1). In the case of normal transaction in step S98, the MS card and cash and receipt (in the case of payment) or the MS card and receipt (in the case of transfer) are returned. And if a user takes a return medium, a transaction will be complete | finished.

  Thus, since the policy for raising the transaction limit is presented to the user depending on the card type of the user, the user can immediately recognize the policy for raising the transaction limit. In this example, since a key for selecting an application for raising the transaction limit is displayed on the screen, the user can make an application without any further trouble.

[Other embodiments]
The ATM with biometric authentication function of FIGS. 1 and 2 can adopt the transaction processing first embodiment and the third embodiment singly or plurally, and does not have the biometric authentication function of FIGS. 3 and 4. Can adopt one or more of the first embodiment, the second embodiment, and the third embodiment of transaction processing. Furthermore, the third embodiment shown in FIGS. 12 and 13 can be adopted for an IC card in which biometric authentication APL and biometric data are not installed.

  Further, when a program that can be implemented in any of the embodiments is created and installed in the apparatus, the implementation of the necessary embodiments can be set with a flag or the like. In this way, it is sufficient to prepare and manage one program, which is convenient for manufacturers.

  The biometric authentication method has been described with palm vein pattern authentication, but it can also be applied to other biometrics such as finger vein patterns and other palm features such as palm prints and fingerprints and faces. . Moreover, although it demonstrated with the automatic cash transaction apparatus of financial operation, it is applicable also to automatic transaction machines of other fields, such as an automatic transfer machine, a payment exclusive machine, an automatic ticketing machine, and a vending machine.

  Furthermore, vein patterns can also be registered in ATM 6 in the same manner. In addition, although the personal medium of the user has been described using an MS card or an IC card, a mobile device that can be equipped with a biometric authentication function, such as a mobile phone, may be used.

  As mentioned above, although this invention was demonstrated by embodiment, in the range of the meaning of this invention, this invention can be variously deformed, These are not excluded from the scope of the present invention.

  (Supplementary Note 1) In an automatic transaction apparatus that performs personal identification using personal data registered in a user's personal medium and executes a withdrawal-type transaction process desired by the user, the stored contents of the personal medium Read operation unit, an operation panel operated by the user, verification of the identity by collating the input personal data and the registered personal data, and when the identity verification is good, the operation panel A control unit that compares the amount inputted from the withdrawal amount with the withdrawal amount and executes the withdrawal transaction when the input amount is less than or equal to the withdrawal limit, and the control unit Detects the identity confirmation function of the personal medium, determines the withdrawal transaction mode by the identity confirmation function of the personal medium and the identity confirmation function given to the automatic transaction apparatus, and the input amount is Above When it is determined that the withdrawal limit of the specified transaction mode has been exceeded, a measure for acquiring the other identity verification function of the user for raising the withdrawal limit or automatic transaction of another identity verification function A screen for notifying the user of the device is displayed on the operation panel.

  (Supplementary Note 2) As a measure for raising the withdrawal limit, the control unit may provide a measure for the user to acquire an identity verification function through biometric authentication or a guidance to an automatic transaction apparatus with a biometric authentication function. 2. The automatic transaction apparatus according to appendix 1, wherein a screen for notifying is displayed on the operation panel.

  (Supplementary Note 3) The automatic transaction apparatus according to any one of Supplementary Notes 1 and 2, wherein the control unit detects a personal identification function by the personal medium from the type of the personal medium read by the reading unit.

  (Supplementary note 4) The automatic transaction apparatus according to supplementary notes 1 to 3, wherein the readout unit reads and identifies both an IC card and a card with a magnetic stripe as the personal medium.

  (Supplementary Note 5) The control unit executes at least one of the transaction by the IC card and the transaction by the card with the magnetic stripe according to the type of the personal medium, and the input amount is the magnetic stripe. When it is determined that the withdrawal limit of the transaction mode determined with the attached card is exceeded, an application screen for an IC card with a biometric authentication function for increasing the withdrawal limit is displayed on the operation panel. The automatic transaction apparatus according to appendix 4, which is characterized.

  (Supplementary Note 6) The control unit executes at least one of the transaction using the IC card and the transaction using the card with the magnetic stripe according to the type of the personal medium, and the input amount is the IC card. If it is determined that the withdrawal limit of the transaction mode determined in step S1 is exceeded, the procedure screen to the IC card with biometric authentication function or the guidance to the automatic transaction apparatus with biometric authentication function for raising the withdrawal limit The automatic transaction apparatus according to any one of supplementary notes 1 to 4, wherein a screen is displayed on the operation panel.

  (Additional remark 7) It further has a biometric data detection unit for detecting the biometric data of the user, and the control unit performs at least one of the transaction by the IC card and the transaction by the biometric authentication on the personal medium. An IC with a biometric authentication function for increasing the withdrawal limit when it is determined that the input amount exceeds the withdrawal limit of the transaction mode determined by the IC card. The automatic transaction apparatus according to any one of appendices 1 to 4, wherein a procedure screen for a card is displayed on the operation panel.

  (Additional remark 8) In the transaction processing method of the automatic transaction apparatus which performs identity verification using the personal data registered into the user's personal medium, and performs the withdrawal-type transaction processing desired by the user, a reading unit A step of reading the stored contents of the personal medium, a step of verifying the identity by collating the input personal data with the registered personal data, and an operation panel when the identity verification is good A transaction execution step of comparing the withdrawal amount with the withdrawal amount and executing the withdrawal transaction when the input amount is less than or equal to the withdrawal limit, and The executing step detects the personal identification function of the personal medium, and sets the withdrawal transaction mode by the personal identification function of the personal medium and the identification function given to the transaction processing method of the automatic transaction apparatus. And determining another identity verification function of the user for increasing the withdrawal limit when it is determined that the input amount exceeds the withdrawal limit for the determined transaction mode. A transaction processing method for an automatic transaction apparatus, comprising: displaying a screen for notifying the user of a transaction processing method for an automatic transaction apparatus with a policy or other identity verification function on the operation panel.

  (Additional remark 9) The said display step is guidance to the transaction processing method of the automatic transaction apparatus with a biometric authentication function as a policy for raising the said withdrawal amount limit, or the said user acquires the identity verification function by biometric authentication The transaction processing method for an automatic transaction apparatus according to claim 8, further comprising a step of displaying a screen for notifying the user on the operation panel.

  (Additional remark 10) The said transaction execution step has a step which detects the identity verification function by the said personal medium from the kind of the said personal medium read by the said read-out unit, The automatic of Additional remarks 8 thru | or 9 characterized by the above-mentioned Transaction processing method for transaction apparatus.

  (Additional remark 11) The said reading step consists of a step which reads and identifies both an IC card and a card with a magnetic stripe as said personal medium, The transaction process of the automatic transaction apparatus of Additional remark 8 thru | or 10 characterized by the above-mentioned Method.

  (Supplementary Note 12) The transaction execution step includes at least one of a transaction by the IC card and a transaction by the card with a magnetic stripe according to the type of the personal medium, and the input amount is the magnetic value. A step of displaying, on the operation panel, an application screen for an IC card with a biometric authentication function for raising the withdrawal limit when it is determined that the withdrawal limit of the transaction mode determined by the card with stripe is exceeded. The transaction processing method for an automatic transaction apparatus according to appendix 11, wherein:

  (Supplementary note 13) The transaction execution step includes a step of executing at least one of the transaction by the IC card and the transaction by the card with the magnetic stripe according to the type of the personal medium, and the input amount is the If it is determined that the withdrawal limit of the transaction mode determined by the IC card has been exceeded, the procedure screen for the IC card with biometric authentication function or the automatic transaction apparatus with biometric authentication function for raising the withdrawal limit The transaction processing method for an automatic transaction apparatus according to any one of appendices 8 to 11, further comprising a step of displaying a guidance screen for the transaction processing method on the operation panel.

  (Additional remark 14) It further has the biometric data detection step which detects the said user's biometric data, and the said transaction execution step carries out at least any one of the transaction by the said IC card, and the transaction by the said biometric authentication in the said personal medium. And a biometric authentication function for raising the withdrawal limit when it is determined that the input amount exceeds the withdrawal limit of the transaction mode determined by the IC card. The transaction processing method for an automatic transaction apparatus according to any one of appendices 8 to 11, further comprising a step of displaying a procedure screen for an attached IC card on the operation panel.

  In the case of withdrawal transactions, the transaction mode and withdrawal limit are determined according to the identity verification function of the individual medium, and when the requested withdrawal amount exceeds the limit, automatic transaction with the individual medium Depending on the type of device, the user is notified of measures to increase the limit. For this reason, the user is presented with a method of raising the limit that can be used by the user when the transaction becomes impossible due to the transaction limit being exceeded by the automatic transaction device. In addition, this method can be recognized and a desired procedure can be executed on the spot.

It is a perspective view of one embodiment of an automatic transaction device of the present invention. It is a block diagram of the automatic transaction apparatus of FIG. It is a block diagram of the card | curd with a magnetic stripe used for the automatic transaction apparatus of FIG. It is a block diagram of the IC card used for the automatic transaction apparatus of FIG. It is a related figure of the transaction processing according to the kind of card | curd of FIG. 3, FIG. 4, and the kind of automatic transaction apparatus. It is a perspective view of other embodiment of the automatic transaction apparatus of this invention. It is a block diagram of the automatic transaction apparatus of FIG. It is a transaction processing flow figure containing the offline limit amount check of the 1st Embodiment of this invention. It is a transaction processing flow figure containing the online limit amount check of the 1st Embodiment of this invention. It is a transaction processing flow figure containing the offline limit amount check of the 2nd Embodiment of this invention. It is a transaction processing flow figure containing the online limit amount check of the 2nd Embodiment of this invention. It is a transaction processing flow figure containing the off-line limit amount check of the 3rd Embodiment of this invention. It is a transaction processing flow figure containing the online limit amount check of the 3rd Embodiment of this invention.

Explanation of symbols

1 Palm authentication imaging device (biological detection device)
4 Server 5 Customer card 5-1 Card with magnetic stripe 5-2 IC card 50 Card board 52 Magnetic stripe 54 IC
6 Automatic Transaction Device 6-1 Customer Operation Panel 6-2 Coin Insert / Discharge Port 6-3 Bill Insert / Discharge Port 6-4 Card Insert / Discharge Port 6-5 Passbook Insert / Discharge Port 60 CIP Unit 61 IC Card Reader / Writer 62 Journal printer 63 Receipt printer 64 Passbook unit 65 Personnel operation unit 66 Bill / coin counting unit 67 Control unit 68 ATM application 69 Authentication library

Claims (7)

In an automatic transaction apparatus that performs identity verification using personal data registered in the user's personal medium and executes the withdrawal-type transaction processing desired by the user,
A reading unit for reading the stored contents of the personal medium;
An operation panel operated by the user;
Verifying the identity by collating the entered personal data with the registered personal data, and if the identity verification is good, compare the amount entered from the operation panel with the withdrawal limit A control unit that executes the withdrawal transaction when the input amount is less than or equal to the withdrawal limit;
The control unit is
The personal medium identity verification function is detected, and the personal medium identification function and the personal identification function given to the automatic transaction apparatus determine the withdrawal transaction mode.
When it is determined that the input amount exceeds the withdrawal limit of the determined transaction mode, a measure for acquiring another identity verification function of the user for raising the withdrawal limit or another principal A screen for notifying the user of an automatic transaction apparatus having a confirmation function is displayed on the operation panel. The control unit is
As a measure for raising the withdrawal limit, a screen for notifying the user of a policy for the user to acquire an identity verification function by biometric authentication or a guidance to an automatic transaction apparatus with a biometric authentication function, The automatic transaction apparatus according to claim 1, wherein the automatic transaction apparatus is displayed. The control unit is
The automatic transaction apparatus according to any one of claims 1 and 2, wherein a personal identification function by the personal medium is detected from the type of the personal medium read by the reading unit. The readout unit is
The automatic transaction apparatus according to any one of claims 1 to 3, wherein both the IC card and the magnetic stripe card are read and identified as the personal medium. In the transaction processing method of an automatic transaction apparatus that performs personal identification using personal data registered in the user's personal medium and executes the transaction processing of the withdrawal system desired by the user,
Reading the stored contents of the personal medium using a reading unit;
Verifying the identity by collating the entered personal data with the registered personal data;
When the identity verification is good, the amount entered from the operation panel is compared with the withdrawal limit, and if the entered amount is less than or equal to the withdrawal limit, the withdrawal transaction is performed. A transaction execution step to execute,
The transaction execution step includes:
Detecting the identity verification function of the personal medium, and determining the transaction mode of the withdrawal system by the identity verification function of the personal media and the identity verification function given to the transaction processing method of the automatic transaction apparatus;
When it is determined that the input amount exceeds the withdrawal limit of the determined transaction mode, a measure for acquiring another identity verification function of the user for raising the withdrawal limit or another principal A transaction processing method for an automatic transaction apparatus, comprising: displaying a screen for notifying the user of a transaction processing method for an automatic transaction apparatus having a confirmation function on the operation panel. The display step includes
As a policy for raising the withdrawal limit, a screen for notifying the user of a policy for the user to acquire an identity verification function by biometric authentication or a guidance to a transaction processing method of an automatic transaction apparatus with a biometric authentication function. The transaction processing method of the automatic transaction apparatus according to claim 5, further comprising a step of displaying on the operation panel. The transaction execution step includes:
The transaction processing of the automatic transaction apparatus according to any one of claims 5 to 6, further comprising a step of detecting a personal identification function by the personal medium from the type of the personal medium read by the reading unit. Method.

Images