JPH06103489B2 - Transaction processor - Google Patents

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a transaction processing device, and more particularly, to an automatic teller machine used for depositing and withdrawing cash and a card authentication terminal device used for authenticating a credit card. The present invention relates to a transaction processing device capable of changing a personal identification number used in.

SUMMARY OF THE INVENTION The present invention, in a transaction processing device, cancels the personal identification number of a corresponding customer in response to an instruction of a personal identification number cancellation instruction key, and responds to the fact that the personal identification number of the customer is transmitted from the customer's home telephone. By registering the personal identification number, the customer can freely change the personal identification number.

As is well known in the related art, ATMs (Automatic Terror Machines) and CATs (Credit Authorization Terminals) have recently become widespread, and along with this, various cash cards and credit cards are actively used. It is like this. When using these cards to withdraw cash, for example, at an ATM, the customer first inserts the card into the reading device of the ATM and inputs the personal identification number from the keyboard. The input personal identification number data is collated with the personal identification number data registered in advance or the personal identification number data included in the card data read from the card. This matching process is performed by the host computer or ATM.

By the way, the personal identification number is for confirming the identity of the user and must be protected from being known to others. Conventionally, in order to protect the personal identification number, the person must decide the personal identification number, and when updating the card,
The personal identification number can be updated, and the person himself / herself can enter the personal identification number using a dedicated pin pad or keyboard.

Problems to be Solved by the Invention By the way, the personal identification number is usually a four-digit number, but the customer's own birth date or home telephone number is used as the personal identification number so that the customer does not forget the number. In many cases, the personal identification number may be easily guessed by another person. Moreover, there is a possibility that the number is known to others by the movement of the hand when inputting the personal identification number.

Therefore, if the card is stolen, it is likely that the card will be easily used by others.

Although it is possible to increase the number of digits of the personal identification number in order to prevent damage from theft or the like, there is a problem that this makes it difficult for the customer to remember.

Therefore, the present invention has been made to solve the above-mentioned problems, and it is possible to cancel the personal identification number after using the card and register a new personal identification number when using the card, if necessary. It is an object of the present invention to provide such a transaction processing device.

Means for Solving Problems A transaction processing device according to the present invention comprises a reading means for reading card data from a card, a PIN cancellation instruction key for instructing the customer to cancel a PIN, and a card for each customer in advance. Storage means for storing the data, the personal identification number data and the identification data for identifying the customer's home telephone, and the storage means based on the card data read by the reading means in response to the instruction of the personal identification number cancellation instruction key. In response to the erasing means for erasing the customer's personal identification number data corresponding to the stored card data, and the personal identification number registration request signal being sent from the customer's home telephone whose personal identification number has been canceled, Based on the identification data, a writer for searching the corresponding storage area from the storage means and writing the personal identification number data sent from the customer's home telephone in the storage area. And a step.

Action The transaction processing device of the present invention corresponds to the card data stored in the storage means based on the card data read by the reading means in response to the customer's instruction of the personal identification number registration instruction key. When the personal identification number data of the customer is erased by the erasing means, and the personal identification number registration request signal is sent from the customer's home telephone whose personal identification number is canceled, the corresponding means is stored in the storage means based on the identification data of the telephone. The storage area is searched and the personal identification number data sent from the customer's home telephone is written in the storage area by the writing means.

Embodiment FIG. 2 is a block diagram showing a transaction processing apparatus according to an embodiment of the present invention. The transaction processing device of this embodiment includes a host computer, a terminal device, and a telephone. In FIG. 2, a file 11 of the bank host computer 1 stores telephone number data, account number data, personal identification number data, etc. of the customer's home each time a cash card is issued. In addition, the file 21 of the host computer 2 of the credit company stores the telephone number data of the customer's home, the card number data for identifying the card, the personal identification number data, and the like each time the credit card is issued.

The ATM3 and CAT5, which are the terminal devices of the respective host computers, are provided with a PIN cancellation instruction key for instructing cancellation of the PIN. When the personal identification number cancellation instruction key is operated, the personal identification number cancellation request message is transmitted from the instructed terminal device to the corresponding host computer via the exchange 7 and the public line 8. For example, when the personal identification number cancellation request message is transmitted from the ATM 3, the bank host computer 1 retrieves the personal identification number data stored in the file 11 and erases it.

A customer who has canceled the personal identification number can register a new personal identification number by using the telephone 6 at home. The customer calls the bank host computer 1 and operates the push button 61 of the telephone 6 to input the personal identification number. In response, the bank host computer 1 searches the file 11 for the corresponding storage area and stores the new personal identification number data transmitted.

By the way, the reason for registering the personal identification number from the telephone of the customer's home is that the person who can make the telephone call is the customer himself or his family, and it is not necessary to confirm his / her identity. If the personal identification number can be registered from a public telephone, another personal identification number for confirming whether or not the person is the personal identification number is required, and the management of the personal identification number becomes complicated.

FIG. 3 is an external perspective view of the ATM 3 shown in FIG. In FIG. 3, a card insertion hole 31, a cash receiving opening 32, and a passbook insertion hole 33 are provided on the vertical panel surface of the ATM 3. Also, AT
A keyboard 34, a display 35, and a cash slot 36 are provided on the horizontal panel surface of the M3.

The card insertion hole 31 is for inserting a cash card. Inside the card insertion opening 31, a card reader for reading card data from a cash card is provided. The cash receiving port 32 is for receiving cash discharged from the ATM 3. The passbook insertion hole 33 is for inserting a deposit passbook. Inside the passbook insertion hole 33,
A printer is provided for printing transaction details on the passbook. The keyboard 34, which will be described later with reference to FIG. 5, is a transaction instruction key for instructing the type of transaction, a numeric keypad for inputting a personal identification number, an amount, etc., and a personal identification number cancellation instruction key for instructing cancellation of the personal identification number. Including etc. The display 35 is for displaying operation guide characters and amount data.
The cash slot 36 is for depositing cash when making a deposit.

FIG. 4 is an external perspective view of the CAT5 shown in FIG. In FIG. 4, the CAT 5 is provided with a keyboard 51, a card reader 52 and a display 53. As will be described later with reference to FIG. 6, the keyboard 51 includes a ten-key pad for inputting a code number and amount data of a product, a personal identification number cancel instruction key for instructing cancellation of a personal identification number, and the like. Although not shown, the CAT5 is connected with a pin pad for the customer to input the personal identification number. The card reader 52 reads data for identifying a credit company, data for identifying a card, and the like from a credit card. The display 53 is
The operation guide characters and amount data are displayed.

FIG. 5 is a diagram showing a key arrangement of the keyboard 34 shown in FIG. As shown in FIG. 5, the keyboard 34 is provided with a personal identification number cancel instruction key 341, a confirmation key 342, a cancel key 343, and other transaction instruction keys and ten keys.

The PIN cancellation instruction key 341 is for instructing the cancellation of the PIN. The confirmation key 342 is operated when the customer confirms that the usage amount and the key operation are correct. The cancel key 343 is operated when there is an error in the deposit amount or key operation.

FIG. 6 shows a keyboard 51 provided in CAT5 shown in FIG.
It is a figure which shows the key arrangement of. In FIG. 6, a keyboard 51 is provided with a personal identification number cancel instruction key 511, a confirmation key 512 and a cancel key 513, as well as a numeric keypad. The secret code cancellation instruction key 511 is for instructing cancellation of the secret code. The confirmation key 512 is operated when the customer confirms that the key operation is correct. The cancel key 513 is operated when there is an error in the key operation.

FIG. 7 is a schematic block diagram showing the electrical configuration of the ATM 3 shown in FIG. In FIG. 7, the ATM 3 is provided with a CPU 37. In addition to the card reader 31, the printer 33, the keyboard 34, and the display unit 35 described above, the CPU 37 includes a cash processing unit 3
8, NCU / modem 39, ROM 40 and RAM 41 are connected. The cash processing unit 38 includes a mechanism unit for performing discrimination of cash input from the cash input port 36 and for transporting and storing cash, and a mechanism unit for transporting cash from the cash storing unit and discharging it to the cash receiving port 32. . The NCU / modem 39 mediates data transmission between the CPU 37 and the bank host computer 1. The ROM 40 is a CPU 37 based on a flow chart as shown in FIG. 1A described later.
The operation program of is stored. The RAM 41 stores the card data read from the card reader 31 and the keyboard 34.
Data keyed in from and bank host computer 1
It stores the data transmitted from the device.

Although not shown, the CAT5 has a CPU. CAT
5 CPU, keyboard 51, card reader 52 and display 53
And NCU / modem, ROM and RAM are connected.

FIG. 8 is a diagram showing the structure of the file 11 provided in the bank host computer 1 shown in FIG. In FIG. 8, the file 11 is provided with a plurality of customer-specific storage areas. Each storage area includes, for example, a telephone number data storage area 111, an account number data storage area 112, and a personal identification number data storage area 113.

The telephone number data storage area 111 stores telephone number data of the customer's home. The account number data storage area 112 stores the bank account number data of the customer. The personal identification number data storage area 113 stores the personal identification number data of the customer.

If the customer's home telephone 6 generates an identification signal or identification data for identifying this telephone, an area for storing identification data or identification data based on the identification signal instead of the above-mentioned telephone number data storage area. May be provided.

1A and 1B are flow charts for explaining the operation of one embodiment of the present invention.

First, the operation of the terminal device shown in FIG. 2 will be described with reference to FIGS. 1A and 7. In the following description, the case of using ATM as the terminal device will be described, but it should be pointed out that the same operation is performed when CAT is used.

The customer inserts the cash card into the card reader 31 of the ATM3. The card reader 31 reads, for example, card number data, account number data, personal identification number data, and the like from the inserted cash card and gives them to the CPU 37. CPU37
The given data is stored in the RAM 41. Subsequently, the CPU 37 waits until the keyboard 34 is operated, and executes a corresponding process according to the key operation.

Here, when the customer desires to cancel the personal identification number, the personal identification number cancellation instruction key 341 is pressed. Here, the CPU 37 displays on the display unit 35, for example, "Clear the personal identification number. If you want to clear it, press the confirmation key. If you do not clear it, press the cancel key." Customer confirm key 342
Alternatively, the cancel key 343 is pressed.

Then, the CPU 37 ends the operation when the cancel key 343 is pressed, but when the confirmation key 342 is pressed, the electronic message indicating the password cancellation request is sent to the bank via the NCU / modem 39. It is transmitted to the host computer 1. The personal identification number cancellation request message includes code number data indicating a personal identification number cancellation request, card number data read from a cash card, account number data, personal identification number data, and the like. The CPU 37 ends the operation after transmitting the personal identification number request message.

Next, the operation of the bank host computer 1 shown in FIG. 2 will be described with reference to FIGS. 1B to 8. In this embodiment, the bank host computer 1 cancels the personal identification number and registers the personal identification number. First, the operation of canceling the personal identification number will be described.

The bank host computer 1 waits until it receives a call signal from a terminal device such as an ATM 3 or a telephone 6 at the customer's home, and when the call signal is received, is it a request to cancel the personal identification number from the ATM 3? It is determined whether it is a request for setting the security code.

Here, since it is the PIN cancellation request, the CPU 37 subsequently determines whether or not the data regarding the corresponding customer is registered in the file 11 based on, for example, the account number data included in the received PIN cancellation request message. I will check. Further, preferably, it is determined whether or not the card is a stolen card or an invalid card, for example, based on the card number data. If the card is valid, then the bank host computer 1 erases the personal identification number data stored in the personal identification number storage area 113, and ends the operation.

Next, the operation of registering the personal identification number will be described.

The customer uses the telephone 6 at home to call the bank host computer 1 and call the bank host computer 1.
At this time, the telephone 6 transmits an identification signal for identifying the telephone. The telephone number of the calling side can be known based on this identification signal. The calling party's telephone number may be identified by the bank host computer 1, and the exchange 7
May identify and transmit the identified telephone number data to the bank host computer 1.

The bank host computer 1 searches the file 11 for a storage area for the customer based on the received telephone number data, and checks whether the telephone number data is registered. If not registered, error processing is performed and the sender is notified of that fact. If the telephone number data is registered, the customer is requested to input the account number through the telephone 6. This request is
For example, a synthetic voice is used. In response to the account number input request, the customer operates the push button 61 to input the account number. Then, in the bank host computer 1, the transmitted account number data is stored in the account number storage area of the customer.
It is determined whether or not it matches the account number data stored in 112.

If the account number data do not match, the registration request is rejected and error processing is performed. If the account number data match, the customer's telephone 6 is requested to input the personal identification number. In response to the PIN input request,
The customer operates the push button 61 in the same manner as described above to input the personal identification number. Depending on the bank host computer 1
Stores the personal identification number data in the personal identification number storage area 113, and ends the operation.

EFFECTS OF THE INVENTION As described above, according to the present invention, the data stored in the storage unit is stored based on the card data read by the reading unit in response to the customer's instruction of the personal identification number cancellation instruction key. Since the customer's personal identification number data corresponding to the card data is erased by the erasing means, if the personal identification number is erased after using the card, the card will be invalid, even if it is stolen. Never used.

In addition, in response to the code number registration request signal transmitted from the customer's home telephone, the corresponding storage area is searched from the storage means based on the identification number data of the telephone,
Since the personal identification number data sent from the customer's home telephone is written in the storage area by the writing means, the personal identification number is unlikely to be registered by another person.

[Brief description of drawings]

1A and 1B are flow charts for explaining the operation of the embodiment of the present invention. FIG. 2 is a block diagram showing a transaction processing apparatus according to an embodiment of the present invention. FIG. 3 is an external perspective view of the ATM shown in FIG. FIG. 4 is an external perspective view of the CAT shown in FIG. Figure 5 shows the ATM shown in Figure 3.
FIG. 3 is a key layout diagram of a keyboard provided in FIG. FIG. 6 is a key layout diagram of a keyboard provided in the CAT shown in FIG. FIG. 7 is a schematic block diagram showing the electrical configuration of the ATM shown in FIG. FIG. 8 is a diagram showing a file structure of the bank host computer shown in FIG. In the figure, 1 is a bank host computer, 2 is a credit company host computer, 3 is ATM, 5 is CAT, 6 is a home telephone, 7 is an exchange, 8 is a public line, and 11 and 21.
Is a file, 31 is a card reader, 37 is a CPU, 39 is a NCU / modem, 40 is a ROM, 41 is a RAM, and 341 and 511 are PIN cancellation instruction keys.

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Claims (1)

[Claims] 1. A reading means for reading card data from a card, a personal identification number cancel instruction key for instructing a customer to cancel a personal identification number, a card data and personal identification number data for each customer, and the customer's home telephone. Storage means for storing identification number data for identification, corresponding to the card data stored in the storage means based on the card data read by the reading means in response to an instruction of the secret code cancellation instruction key The erasing means for erasing the customer's personal identification number data, and, in response to the personal identification number registration request signal transmitted from the customer's home telephone that has canceled the personal identification number, based on the identification number data of the telephone, the memory is stored. Means for retrieving the corresponding storage area from the means, and writing the personal identification number data sent from the customer's home telephone in the storage area. Pull processing equipment.