JPH1186087A - Automatic transaction system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To facilitate a transaction on the automatic transaction machine even when an account of a financial institution is shared by a plurality of people, by allowing a host computer to perform various transactions according to customer information of an account retrieved from a customer information management data base with received account information and a password number. SOLUTION: More than one holder shares one account and case cards 3(1) to (3) of the same account are issued. When each holder performs various transactions on the automatic transaction machine 1 by using his or her own cash card 3, a storage medium process part reads the account information out of the cash card 3 and when the password number to the cash card 3 is inputted from an input part, the account number and password number are sent to the host computer 2. The host computer 2 retrieves the customer information of the corresponding account from a customer information management data base according to the received account number and password number and performs the transactions according to the customer information.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic transaction system for performing processing such as deposit / withdrawal and transfer of money to / from an account of a financial institution.

[0002]

2. Description of the Related Art Generally, a financial institution operates one account as one holder. For this reason, in the conventional automatic transaction system, an automatic transaction device having a card processing unit for reading the account information from a cash card storing account information corresponding to the account, and an input unit for allowing a customer to input a personal identification number and the like, A network is constructed by connecting to a host computer having a customer information management database that stores information and customer information of accounts corresponding to passwords, and a single cash card corresponding to the contracted account is issued to the holder. In addition, only the holder can operate the automatic transaction device using the cash card to make deposits and withdrawals, transfer funds, and the like.

[0003]

However, in the conventional automatic transaction system, there is a problem in that the holder is inconvenienced in the following cases. In other words, when it is necessary to create an account as a family when starting a shared life as a family due to marriage or the like, it is necessary to have one account as a holder of one of the family members as a representative. In this case, it is common to use either the husband's or wife's account used before marriage as a family account, for example, if the wife has a passbook or seal of her husband's account, a cash card and a password. We borrow and process. For this reason, if you are earning money from each other, you will have to transfer the salary of each person to the account of the family member who will cover the household budget, so that at least one of them will transfer the amount of the household expenses There is a problem that management becomes difficult and the transfer process is cumbersome. Also, some couples want to use the passbook as a household account book. However, there is a problem that the use of the passbook as a household account book becomes troublesome because the transfer processing must be performed.

Further, for example, when a husband's account is used for a family account, and when the husband brings a cash card corresponding to the account for a business trip, when the wife In order to carry out the processing related to the above account, the wife must be burdened because the processing must be carried out at the counter with her husband's passbook and seal during the business hours of the financial institution.

[0005]

SUMMARY OF THE INVENTION Accordingly, the present invention provides an automatic transaction having a storage medium processing unit for reading account information from a storage medium storing account information corresponding to an account, and an input unit for allowing a customer to input a personal identification number or the like. A network is constructed by connecting the device and a host computer having a customer information management database for storing customer information such as account balances and passwords corresponding to the account information and the password, and a plurality of holders can use one It is assumed that the account is shared, a plurality of storage media corresponding to the account are issued, and the automatic transaction apparatus uses the storage medium when performing various transactions using the storage medium owned by each holder. The processing unit reads the account information from the storage medium, and when a password corresponding to the storage medium is input from the input unit, the account information and the password are transferred to the host computer. The host computer searches the customer information management database for the corresponding account customer information based on the received account information and password, and executes various transactions based on the searched account customer information. Provide system.

It is assumed that one account is divided into areas corresponding to a plurality of passwords, and one account is shared by a plurality of holders corresponding to the number of divided areas. A plurality of storage media are issued, a password is assigned to each area, and the password is registered in a customer information management database. The automatic transaction apparatus uses a storage medium owned by each holder. When performing various transactions, the storage medium processing unit reads the account information from the storage medium, and when a password corresponding to the storage medium is input from the input unit, the account information and the password are stored in the host. Transmitted to the computer, the host computer retrieves the customer information of the corresponding account from the customer information management database according to the received account information, and the corresponding password in the retrieved account. Extracting information of the region, it may be executing various transactions based on the information of the region.

[0007]

Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 is a conceptual diagram of an automatic transaction system. In the figure, in the present embodiment, an automatic transaction apparatus having a storage medium processing unit (not shown) for reading the account information from a storage medium storing account information corresponding to the account and an input unit (not shown) for allowing a customer to input a password or the like. 1 is connected to a host computer 2 having a customer information management database (not shown) for storing customer information of an account corresponding to the account information and the password. The storage medium may be, for example, a magnetic card or an IC card, but here, the cash card 3 as a magnetic card is used.
Is assumed. One account is shared by a plurality of holders, and a plurality of cash cards 3 (1), (2), (3) of the same account corresponding to the account are issued. The passwords of the cash cards 3 (1), (2), (3) of the same account are different from each other.

In the automatic transaction apparatus 1, when various transactions are performed using the cash card 3 owned by each holder, the storage medium processing unit reads the account information from the cash card 3, and reads the account information from the cash card 3. When the personal identification number corresponding to 3 is input from the input unit, the account information and the personal identification number are transmitted to the host computer 2. The host computer 2 retrieves customer information of the corresponding account from the customer information management database (not shown) based on the received account information and password, and executes various transactions based on the retrieved customer information of the account.

FIG. 2 is a block diagram showing a main part of the automatic transaction apparatus. Reference numeral 4 denotes a touch panel, which displays a guidance message, displays operation keys, and allows various inputs. Reference numeral 5 denotes a card processing unit, which is a medium processing unit, which performs processing such as reading data from a magnetic stripe (not shown) of the cash card 3. Reference numeral 6 denotes a cash processing unit for depositing and withdrawing coins and bills (not shown). Reference numeral 7 denotes a control unit which controls the entire operation of the automatic transaction apparatus 1 and executes the program by executing a program. Reference numeral 8 denotes a storage unit that stores programs and the like to be executed by the control unit 7, and is, for example, a storage medium such as a CD-ROM or a hard disk. Reference numeral 9 denotes a communication control unit which controls communication with the host computer 2.

FIG. 3 is a block diagram showing a main part of the host computer. A customer information management database 10 stores customer information for each of a plurality of accounts. The customer information includes, for example, the name of the trading store, the name of the holder,
Although there are an account number and a deposit balance, in the present invention, in particular, when a plurality of cash cards are issued, a password for each cash card is registered. A control unit 11 controls the entire operation of the host computer 2 and executes the program by executing a program. Reference numeral 12 denotes a storage unit that stores a program to be executed by the control unit 11, and is a storage medium such as a CD-ROM and a hard disk. A communication control unit 13 controls communication with the automatic transaction apparatus 1.

Here, the structure of the account according to the present embodiment will be described. FIG. 4 is a conceptual diagram of an account. As shown in the figure,
In this embodiment, a plurality of holders 1 and 1
Are registered and cash cards (hereinafter, referred to as “cards”) 1, 2, 3,... Are issued to the respective holders. And for each card,
2, 3, ... are given in advance. Note that the registered seal may be represented by the seal 1 of the holder 1, or the seals 2, 3,... May be registered for each holder.

In the following, a deposit / withdrawal process, a transfer process to a plurality of holder accounts, and a transfer process from a plurality of holder accounts, which are account transaction processes in the present embodiment, will be described in order. FIG. 5 is a flowchart of the deposit / withdrawal process. Sa1: When the cash card 3 is inserted from the insertion slot (not shown), the control unit 7 of the automatic transaction apparatus 1 causes the card processing unit 5 to read information such as an account number relating to the account, and shifts the processing to the next. Sa2: The control unit 7 of the automatic transaction apparatus 1 includes the touch panel 4
To display the PIN input screen and wait for the input of the PIN,
When the password is input, the process proceeds to the next step. Sa3: The control unit 7 of the automatic transaction apparatus 1 transmits the information such as the account number read from the cash card 3 and the password to the host computer 2 via the communication control unit 9. Sa4: The control unit 11 of the host computer 2 searches the customer information management database 10 based on the information such as the account number read from the cash card 3 received via the communication control unit 13, and stores the information such as the account number. call. Then, it is determined whether or not the received password is registered in the information such as the called account number. If the password for the cash card inserted into the automatic transaction apparatus 1 has been input, the process proceeds to Sa5, and if not, the process proceeds to Sa6. In the case where passwords for a plurality of cash cards are registered in the information such as the called account number and the like, the inserted cash card and the password are in a one-to-one relationship. The collation with the personal identification number is also in a one-to-one relationship, and is safe for security. Sa5: The control unit 11 of the host computer 2 determines whether or not transactions such as deposits and withdrawals are possible, and if processing can be continued, returns this to the automatic transaction apparatus 1 and executes transactions such as deposit and withdrawal processing. Sa6: When the control unit 11 of the host computer 2 determines that the processing cannot be continued, it returns the fact to the automatic transaction apparatus 1 and returns the cash card 3 to the automatic transaction apparatus 1 so that the customer can start over again. Let it.

FIG. 6 is a flow chart of a transfer process to a plurality of holder accounts. Sb1: When the customer operates the touch panel 4 to input the transfer destination account number and the information of the holder, the control unit 7 of the automatic transaction apparatus 1 shifts the processing to the next. Sb2: The control unit 7 of the automatic transaction apparatus 1 uses the touch panel 4
To display the PIN input screen and wait for the input of the PIN,
The information such as the transfer destination account number and the holder is transmitted to the host computer 2. Sb3: The control unit 11 of the host computer 2 searches the customer information management database 10 based on the information such as the transfer destination account number and the name of the holder received via the communication control unit 13, and calls the account information. Then, it is determined whether or not the received holder is registered in the information of the called account. If registered, the process proceeds to Sb4, and if not registered, the process proceeds to Sb5. In addition,
If multiple holders are registered, the name of the holder entered as the transfer destination and the holder registered in the target account are 1
Because of the one-to-one relationship, security is secure. When the process is performed without checking the holder, the transfer process is executed with the input holder as the transfer destination. Sb4: The control unit 11 of the host computer 2 determines whether or not the transfer transaction is possible, and if the processing can be continued, returns the fact to the automatic transaction apparatus 1 and executes the transfer transaction. In addition,
The execution of the transfer process may be either immediate processing or collective processing by a financial institution at a later time.
Processing such as confirmation is preferably performed immediately after the customer leaves. Sb5: The control unit 11 of the host computer 2 determines that the processing cannot be continued and returns that fact to the automatic transaction apparatus 1,
In order to make the customer start again from the beginning, the processing shifts to the re-input processing or is interrupted.

FIG. 7 is a flowchart of a transfer process from a plurality of holder accounts. Sc1: When the cash card 3 is inserted from the insertion slot (not shown), the control unit 7 of the automatic transaction apparatus 1 causes the card processing unit 5 to read information such as an account number relating to the account, and shifts the processing to the next. Sc2: The control unit 7 of the automatic transaction apparatus 1 uses the touch panel 4
To display the PIN input screen and wait for the input of the PIN,
When the password is input, the process proceeds to the next step. Sa3: The control unit 7 of the automatic transaction apparatus 1 transmits the information such as the account number read from the cash card 3 and the password to the host computer 2 via the communication control unit 9. Sc4: The control unit 11 of the host computer 2 searches the customer information management database 10 based on the information such as the account number read from the cash card 3 received via the communication control unit 13, and stores the information such as the account number. call. Then, it is determined whether or not the received password is registered in the information such as the called account number. If the personal identification number for the cash card inserted into the automatic transaction apparatus 1 has been input, the process proceeds to Sc5, and if not, the process proceeds to Sc6. In the case where passwords for a plurality of cash cards are registered in the information such as the called account number and the like, the inserted cash card and the password are in a one-to-one relationship. The collation with the personal identification number is also in a one-to-one relationship, and is safe for security. Sc5: The control unit 11 of the host computer 2 determines whether or not the transfer transaction is possible, and if the processing can be continued, returns the fact to the automatic transaction apparatus 1 and executes the transfer transaction. Sc6: When the control unit 11 of the host computer 2 determines that the processing cannot be continued, it returns the fact to the automatic transaction apparatus 1 and returns the cash card 3 to the automatic transaction apparatus 1 so that the customer can start over again. Let it.

It is assumed that there is only one passbook for one account. As a result, it is possible to keep a record of deposits and withdrawals for the target account, so that all information such as deposits and withdrawals, automatic transfer records, etc. that cover households can be collected in one account. Therefore, according to the above embodiment, a plurality of holders register for one account, and a cash card is issued to each holder, so that deposits and withdrawals that cover households, automatic transfer, etc. All information such as records can be collected in one account, and the effect that the passbook can be used as a household account book is obtained. For this reason, since the management of households can be easily performed, the effect of improving the customer service of the financial institution can be obtained. In addition, in the past, when the transaction history exceeds a certain amount or a certain period without being recorded in the passbook, the financial institution compiles the history and summarizes the history in one line, and informs that fact. , Etc., and the number of processes can be reduced.

[0016] Further, if a cash card is issued to each family member and a different personal identification number is registered, the account used by the whole family member can be processed. This has the effect of eliminating the need to borrow a card and ask for a password, and the like. Further, for example, even if the husband brings a cash card of a family account when traveling on a business trip, there is an effect that each person can use the same account by using a cash card separately. In addition, in the case of co-earning, each salary can be transferred to the same account, so that there is an effect that it is possible to save the trouble of transferring as in the conventional case.

Second Embodiment Hereinafter, points different from the first embodiment will be described, and description of the same points will be omitted. In addition, since the block configuration of the principal part of an automatic transaction apparatus and a host computer is the same, description is abbreviate | omitted and when necessary, the same part is demonstrated using the same code | symbol.

In this embodiment, one account is divided into areas corresponding to a plurality of personal identification numbers, and one account is shared by a plurality of holders corresponding to the number of divided areas. A plurality of cash cards 3 corresponding to each area are issued, a password is assigned to each area, and the password is registered in the customer information management database 10. Further, in the automatic transaction device 1, when performing various transactions using the cash card 3 owned by each holder, the card processing unit 5 reads the account information from the cash card 3 and stores the account information in the cash card 3. When the corresponding password is input from the input unit, the account information and the password are transmitted to the host computer 2. On the other hand, the host computer 2 retrieves the customer information of the corresponding account from the customer information management database 10 based on the received account information, extracts the information of the area of the corresponding password number in the searched account, and converts the information of the area into the information of the area. Various transactions are executed based on the transaction.

Here, the structure of the account according to the present embodiment will be described. FIG. 8 is a conceptual diagram of an account. As shown in the figure,
In the present embodiment, one account is divided into a plurality of parcels (1), (2), (3),
(4) ... divided into sections, (1), (2), (3), (4) ..., a PIN is assigned to each section, and a cash card is issued for each holder corresponding to the PIN. . And each section (1),
(2), (3), (4) ... can be used selectively. That is, as shown in FIG.
(1), (2), (3) and (4) can be used, the holder 3 can use only the section (3), and the holder 4 can use only the section (4). In addition, the registered seal may be represented by the seal 1 of the holder 1.
.. May be registered.

FIG. 9 shows an example of the account concept. In the figure, one account is divided into "normal use section" and "pool section".
It divides into "son section" and "daughter section", and assigns a password of "1111" to "4444" to each section and issues four cards. The father and mother cards are set to be valid for all four passwords, the son card is set to be valid only for the password "3333", and the daughter card is set to be valid only for "4444". In this way, the “usually used section” is processed from the couple's salary, etc. or from outside the account, and the son and daughter are only valid for the section given to each. Will be able to do it. In other words, it is possible to easily transfer funds in the account, and it can be expected to have an effect of being suitable for household management. In this case, if the information of the available sections is collectively displayed on the display screen and can be operated on the screen, an effect of improving usability can be expected.

In addition, for each section range, for example,
The same applies by assigning a password such as "1111" to the entire block and "3333" to only the son block, and validating the parent's card to "1111" and the son's card to "3333". Has the effect. Alternatively, a usable block range may be assigned for each personal identification number. Furthermore, for example, when a daughter or a son wants to keep record information of the management range, a child passbook (extracted copy of information) may be used.

In the following, a deposit / withdrawal process, a transfer process to a plurality of holder accounts, and a transfer process from a plurality of holder accounts, which are account transaction processes in the present embodiment, will be described in order. FIG. 5 is a flowchart of the deposit / withdrawal process. Sd1: When the cash card 3 is inserted from the insertion slot (not shown), the control unit 7 of the automatic transaction apparatus 1 causes the card processing unit 5 to read information such as an account number relating to the account, and shifts the processing to the next. Sd2: The control unit 7 of the automated teller machine 1
To display the PIN input screen and wait for the input of the PIN,
When the password is input, the process proceeds to the next step. Sd3: The control unit 7 of the automatic transaction device 1 transmits the information such as the account number read from the cash card 3 and the password to the host computer 2 via the communication control unit 9. Sd4: The control unit 11 of the host computer 2 searches the customer information management database 10 based on the information such as the account number read from the cash card 3 received via the communication control unit 13, and stores the information such as the account number. call. Then, it is determined whether or not the received password is registered in the information such as the called account number. If the personal identification number for the cash card inserted into the automatic transaction apparatus 1 has been input, the process proceeds to Sd5, and if not, the process proceeds to Sd6. Sd5: When the control unit 11 of the host computer 2 determines that the processing cannot be continued, it returns the fact to the automatic transaction apparatus 1 and returns the cash card 3 to the automatic transaction apparatus 1 so that the customer can start over again. Let it. Sd6: The control unit 11 of the host computer 2 determines whether or not a transaction such as deposit and withdrawal is possible, and if the processing can be continued, returns the fact to the automatic transaction apparatus 1 and executes a transaction such as deposit and withdrawal processing. Here, when the target account is divided into a plurality of sections, the section whose use is valid is determined based on the input personal identification number. Sd7: The control unit 11 of the host computer 2 determines execution of a transaction only for a valid section, and returns a result of the determination to the automatic transaction apparatus 1. The automatic transaction apparatus 1 executes transactions only for valid sections.

According to the second embodiment, the first embodiment
In addition to the same effects as in the embodiment of the above, an education in which not only the husband and wife but also the child is made a family account, so that the deposit and withdrawal management is entrusted to the child himself under the control of the parent and the child becomes independent. You can expect to get the effect. In addition, it is possible to reduce the trouble of making a remittance to a student who stays away from his / her home and makes a transfer. Further, for the sake of convenience, a plurality of processing units, that is, passwords for each section, can be processed by one card.
The effect that a complicated flow of money can be managed can be expected.

In each of the above embodiments, a family account has been described as an example. However, the present invention is not limited to this, and is also effective when an account is shared by a group. For example, it is also effective in companies and the like. An example of the application for this company will be briefly described. Companies that use mail-order sales, which have become popular recently,
There are many opportunities for a company that pays a place fee or the like every month to perform a process called “transfer”. However, conventionally, if a payment is made with a cheap fee, an operation is adopted in which the electronic money is treated as "a form in which financial institutions collectively perform processing at a fixed time instead of processing on the spot." In this case, if an input error or the like has been made, the financial institution will contact the payer after the next day and have to repeat the procedure again, which is not suitable for customer service. Therefore, when the present invention described above is applied, in addition to the official company name, a misleading name such as an abbreviated name or an old name, or the name of the president, etc., are registered in advance in any section of the multiple holder registration account of the payee, and the transfer is made. If the information is read out and confirmed only when the user is operating the automatic transaction apparatus, an effect that is suitable for improving the service to the customer can be obtained.

[Brief description of the drawings]

FIG. 1 is a conceptual diagram of an automatic transaction system.

FIG. 2 is a block diagram showing a main part of the automatic transaction apparatus.

FIG. 3 is a block diagram showing a main part of the host computer.

FIG. 4 is a conceptual diagram of an account according to the first embodiment.

FIG. 5 is a flowchart of a deposit / withdrawal process.

FIG. 6 is a flowchart of a transfer process to a plurality of holder accounts.

FIG. 7 is a flowchart of a transfer process from a plurality of holder accounts.

FIG. 8 is a conceptual diagram of an account according to the second embodiment.

FIG. 9 is a view showing an example of an account concept according to the second embodiment;

FIG. 10 is a flowchart of a process according to the second embodiment;

[Explanation of symbols]

 1 automatic transaction device 2 host computer 3 cash card

Continuation of the front page (72) Inventor Kazuki Suga 1-7-12 Toranomon, Minato-ku, Tokyo Oki Electric Industry Co., Ltd.

Claims (2)

[Claims] An automatic transaction apparatus having a storage medium processing unit for reading account information from a storage medium storing account information corresponding to an account, and an input unit for allowing a customer to input a password or the like, the account information and a password A network is constructed by connecting to a host computer having a customer information management database that stores customer information such as account balances and personal identification numbers, etc., corresponding to a single account. In the automatic transaction apparatus, when performing various transactions using a storage medium owned by each holder, the storage medium processing unit transmits the account from the storage medium to the account. When the information is read and the password corresponding to the storage medium is input from the input unit,
The account information and the password are transmitted to the host computer.In the host computer, the customer information of the corresponding account is retrieved from the customer information management database by the received account information and the password, based on the retrieved customer information of the account. An automatic transaction system characterized by executing various transactions. 2. An automatic transaction apparatus comprising: a storage medium processing unit for reading account information from a storage medium storing account information corresponding to an account; and an input unit for allowing a customer to input a password or the like; and the account information and the password. A network is constructed by connecting to a host computer having a customer information management database that stores customer information such as account balances and passwords corresponding to the account, and one account is divided into areas corresponding to a plurality of passwords. A single account is shared by a plurality of holders corresponding to the number of divided areas, a plurality of storage media corresponding to each area are issued, a password is assigned to each area, and the password is assigned. The number is registered in the customer information management database, and the automatic transaction apparatus performs the storage medium processing when performing various transactions using the storage medium owned by each holder. There reads the account information from the storage medium, when the input from the input unit a code number corresponding to the storage medium,
The account information and the password are transmitted to the host computer.In the host computer, the customer information of the corresponding account is searched from the customer information management database according to the received account information, and the information of the area of the corresponding password in the searched account. An automatic transaction system characterized in that various transactions are executed based on the information of the area.