CN101739765B - Automatic teller machine and transfer processing method of automatic teller machine - Google Patents
Automatic teller machine and transfer processing method of automatic teller machine Download PDFInfo
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- CN101739765B CN101739765B CN2009101516581A CN200910151658A CN101739765B CN 101739765 B CN101739765 B CN 101739765B CN 2009101516581 A CN2009101516581 A CN 2009101516581A CN 200910151658 A CN200910151658 A CN 200910151658A CN 101739765 B CN101739765 B CN 101739765B
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
- G07F19/206—Software aspects at ATMs
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
Abstract
The present invention provides an automatic teller machine and a transfer processing method of the automatic teller machine, so that a criminal of transfer cheat is hard to perform operation guiding with a mobile phone. The automatic teller machine which is used for performing transfer transaction through operation by an operator is provided with a customer operation display picture for inputting transfer transaction information according to the transaction picture. Furthermore the automatic teller machine is provided with a control part which randomly switches the sequence of transaction pictures displayed in the customer operation display picture according to the transaction each time. Furthermore at a state that the selection item related with transfer transaction information is displayed, the position of the display selection item is switched according to the transaction each time. Furthermore, the actually performed transaction content which is performed by an operator under the guidance of a third person and the transaction content that is believed by the operator are simultaneously displayed in the final confirmation picture.
Description
Technical field
The present invention relates to the automatic trading apparatus that in the business office of financial institution etc., arranges.
Background technology
In the past, the automatic trading apparatus that arranges in the business office of financial institution etc. can carry out the money transfer transactions of other account transfer in this financial institution or other financial institutions.But, in recent years, utilize the swindle of transferring accounts of such money transfer transactions to happen occasionally, become a kind of social concern.In order to prevent such swindle of transferring accounts, develop up to now various technology.Disclosed technology is in TOHKEMY 2007-18295 communique (patent documentation 1), and according to the transaction resume that the past carries out, inferring may be the account of swindling be used to transferring accounts, and shows warning in the terminal of transferring accounts to the account.In addition, disclosed another technology is in TOHKEMY 2006-302221 communique (patent documentation 2), similarly inferring according to its transaction resume may be account be used to the swindle of transferring accounts, by forbidding withdrawing the money the technology that stops cash to be taken away by the criminal from the account.
Transferring accounts swindle in such automatic trading apparatus prevents that technology from generally being that transaction resume etc. according to the account of the object of transferring accounts detect abnormality, stop money transfer transactions, particularly on menu screen to operator's display alarm message initiatively, by sound a warning to stop illegal transaction to the operator.
Patent documentation 1: TOHKEMY 2007-18295 communique
Patent documentation 2: TOHKEMY 2006-302221 communique
But, the swindle of transferring accounts, namely the swindle form based on the method for transferring accounts presents variation, and for the swindle gimmick that what is called wherein " is returned the gold swindle ", only display alarm message on the menu screen of automatic trading apparatus then is not enough to reply.
Its reason is, (1) being finalized of sequence of operation when transferring accounts from automatic trading apparatus if know sequence of operation, even do not observe menu screen, utilizes mobile phone also can carry out indication as " please press from which button of upper number ".Therefore, swindler one side, carry out easily the operation guide by mobile phone.(2) to be to carry out to the operation of transferring accounts of the account of oneself in order accepting to return gold for original idea, to carry out mistakenly the behaviour that transfers accounts that moves residential registration to another place to other people from the account of oneself but be actually, this point fails to accomplish to make the client in time to discover.Therefore exist a side who transfers accounts and guided by cunning words, operate blindly automatic trading apparatus in the transaction of reality, the result causes producing to the account of appointment from operator's account the problem of buckets of cash.
Summary of the invention
Problem to be solved by this invention is, provides a kind of in the money transfer transactions of automatic trading apparatus, making criminal one side of the swindle of transferring accounts be difficult to utilize the automatic trading apparatus of the operation guide of mobile phone etc.In addition, provide a kind of in the money transfer transactions of automatic trading apparatus, make the operator perceive easily the automatic trading apparatus that the actual transaction of carrying out (money transfer transactions from operator's account to the account of criminal's appointment) is not the situation of operator's transaction of wanting to carry out (the transaction of returning gold and change over to operator's account).
In order to address the above problem, the present invention's 1 automatic trading apparatus is characterized in that undertaken having the client operating display part in the automatic trading apparatus of financial transaction by operation the operator, it is according to the necessary information of transaction picture input financial transaction; And have control part, its be controlled at above-mentioned client operating display part show the transaction picture order so that its switch by each transaction.
In addition, the present invention's 2 automatic trading apparatus is characterized in that, undertaken by operation having in the automatic trading apparatus of financial transaction the operator: the client operating display part, the option of necessary information shows in financial transaction to being chosen in for it; And control part, it is processed according to selected option, and above-mentioned control part is controlled in the above-mentioned client operating display part and shows above-mentioned options destination locations so that it switches by each transaction.
In addition, the present invention's 3 automatic trading apparatus is characterized in that, is undertaken by operation having: the client operating display part in the automatic trading apparatus of money transfer transactions the operator, it shows the input validation picture, and this input validation picture is for the affirmation of carrying out in the necessary information of money transfer transactions; And control part, it controls the demonstration of input validation picture shown in the above-mentioned client operating display part, and the affirmation according to above-mentioned input validation picture operates the processing of transferring accounts, and, by the transaction content that shows the actual transaction content that carries out of operator and operator in the shown input validation picture of the above-mentioned client operating display part of above-mentioned control part control and believed the third party.
The invention effect
According to the present invention, can provide a kind of in the money transfer transactions of automatic trading apparatus, make criminal's side be difficult to utilize the automatic trading apparatus of the operation guide of mobile phone etc.In addition, provide a kind of in the money transfer transactions of automatic trading apparatus, making the operator perceive easily the actual transaction of carrying out is not the automatic trading apparatus that the operator wants the situation of the transaction carried out.
Description of drawings
Fig. 1 is the structural drawing of the ATM relevant with the 1st embodiment.
Fig. 2 is the outside drawing of the ATM relevant with the 1st embodiment.
Fig. 3 is the block scheme of the function of the expression control part relevant with the 1st embodiment.
Fig. 4 is the process flow diagram of the expression action relevant with the 1st embodiment.
Fig. 5 is the key diagram that represents each project of the information of transferring accounts.
Fig. 6 is the key diagram of an example of expression Password Input menu screen.
Fig. 7 is the transfer accounts key diagram of input information menu screen group of expression.
Fig. 8 is the key diagram of an example of the affirmation menu screen of expression the transfer accounts object accounts information relevant with the 1st embodiment.
Fig. 9 is the structural drawing of the ATM relevant with the 2nd embodiment.
Figure 10 is the functional-block diagram of the function of the expression control part relevant with the 2nd embodiment.
Figure 11 is the process flow diagram of the expression action relevant with the 2nd embodiment.
Figure 12 is the key diagram of the expression transaction choice menus picture relevant with the 2nd embodiment.
Figure 13 is the key diagram of the same transaction choice menus picture of expression.
Figure 14 is the key diagram of the affirmation menu screen of expression the transfer accounts object accounts information relevant with the 2nd embodiment.
Figure 15 is the key diagram that represents character string group shown on the button of the affirmation menu screen relevant with the 2nd embodiment.
Figure 16 is the key diagram that layout pattern is used in the expression final affirmation relevant with the 2nd embodiment.
Character explanation: 1-ATM among the figure; The display frame of 7-client operating; 10,50-control part; 11,51-storage part; The 17-operation display part; 52-menu information storage part.
Embodiment
(the 1st embodiment)
Below, with reference to accompanying drawing, the 1st embodiment of the present invention is described.Fig. 2 is the outside drawing of the automatic trading apparatus (hereinafter referred to as ATM) 1 relevant with the 1st embodiment.ATM1 is arranged in bank and other financial mechanism or the convenience store etc., can deposit and withdraw transaction and money transfer transactions etc.ATM1 has bank note and drops into return mouth 2, in the transaction of depositing and withdrawing the operator being inserted notes here or returning bank note to the operator.In carrying out the transaction that credit transaction etc. inserts notes here, when the operator bank note is put into this bank note drop into return in mouthfuls 2 after, ATM1 carries out Auto-counting to it, and tape retracting device is inner.Pay in the transaction of bank note to the operator in the transaction etc. of withdrawing the money, ATM1 Auto-counting bank note drops into return mouth 2 by passing out to this bank note, and the operator can take out.In addition, ATM1 has equally for the coin input return mouth 3 that drops into or return coin.In carrying out the transaction that credit transaction etc. inserts coin, when the operator coin is put into this coin drop into return in mouthfuls 3 after, ATM1 carries out Auto-counting to it, and tape retracting device is inner.Pay in the transaction of coin to the operator in the transaction etc. of withdrawing the money, ATM1 Auto-counting coin drops into return mouth 3 by passing out to this coin, and the operator can take out.
And ATM1 has the card insert opening 4 that can insert as the cash card of operator's identification card.In cash card, preserve definite operators' such as bank described later name, subbranch's name, account class, account operator message.In addition, ATM1 has the bankbook insert port 6 of inserting this bankbook when using bankbook to conclude the business.And ATM1 has be used to making the operator can hand over easy-operating client operating display frame 7.Client operating display frame 7 shows for making the operator hand over easy-operating transaction guiding message therefore have touch screen function.The operator can operate input by pressing this client operating display frame 7.
Fig. 1 is the structural drawing of the ATM1 relevant with the 1st embodiment.The 10th, the control part of the various piece of control ATM1.This control part 10 is connected with the storage part 11 that is made of RAM, ROM or hard disk etc.Control part 10 moves based on being stored in the control program in the storage part 11.In addition, control part 10 is processed necessary data by write each in storage part 11, can read from storage part 11 as required.In addition, control part 10 is connected with not shown principal computer by Department of Communication Force 18, thus commutative and the relevant information of transferring accounts.
The 12nd, for the treatment of the bank note access unit of bank note, it carries out true and false discriminating, counting and conveying to dropping into return mouthful 2 bank note that drop into by the operator from above-mentioned bank note, is received in the reservoir of not shown different Currency Types.And, deriving from the reservoir of different Currency Types to the bank note of operator's expenditure, be transported to bank note and drop in the return mouth 2.The 13rd, for the treatment of the coin access unit of coin, it carries out true and false discriminating, counting and conveying to dropping into return mouthful 3 coins that drop into by the operator from above-mentioned coin, is received in the reservoir of not shown different Currency Types.And, deriving from the reservoir of different Currency Types to the coin of operator's expenditure, be transported to coin and drop in the return mouth 3.
The 14th, card read-write section, the information of the cash card that its read operation person inserts from above-mentioned card insert opening 4 finishing when reading, is discharged card from card insert opening 4, return to the operator.The 15th, carry out the bill printing section that processes to the distribution of the bill of operator distribution.Bill printing section 15 carries out the printing of transaction details, discharges bill from above-mentioned card insert opening 4 when closing the transaction.The 16th, bankbook printing section, it prints transaction content at the bankbook that the operator inserts from above-mentioned bankbook insert port 6, and discharges this bankbook from bankbook insert port 6, returns to the operator.
The 17th, for the easy-operating operation display part of operator's friendship.Operation display part 17 shows in above-mentioned client operating display frame 7 and is used for making the operator hand over easy-operating transaction guide picture, and obtains the input data by operator's input operation.And operator's input data are sent to above-mentioned control part 10 and process.Operation display part 17 is switched the various menu screens of demonstration according to the indication from control part 10.
Fig. 3 is the functional-block diagram of the function of the expression above-mentioned control part 10 relevant with the 1st embodiment.Above-mentioned control part 10 moves according to the control program that is stored in the above-mentioned storage part 11.In the figure, transaction selects handling part 21 to make the operator select any one transaction in credit transaction, the transaction of withdrawing the money, money transfer transactions, inquiry into balance, bankbook book keeping operation and enchashment.Transaction selects handling part 21 under the control of transaction control part 20, and showing concludes the business selects picture, after the operator has selected money transfer transactions, forwards next picture to.
Transaction flow generating unit 22 determines the DISPLAY ORDER (being transaction flow) for conversational input information menu screen of transferring accounts of obtaining the information of transferring accounts described later (the necessary information of money transfer transactions) in money transfer transactions.The DISPLAY ORDER of input information menu screen of transferring accounts is switched randomly by each transaction.Under the control of transaction control part 20, the DISPLAY ORDER of the input information menu screen of transferring accounts that determines is kept in the above-mentioned storage part 11.Transaction Information input processing section 23 shows the input information menu screen of transferring accounts according to the DISPLAY ORDER that is stored in the input information menu screen of transferring accounts in the storage part 11 in client operating display frame 7, the operator is inputted.Then processed by 23 pairs of various information of transferring accounts by operator's input of this Transaction Information input processing section, under the control of transaction control part 20, it is kept in the above-mentioned storage part 11.The processing execution of transferring accounts section 24 is according to the information of transferring accounts in the storage part 11 of the being stored in processing of transferring accounts.
Below, the action relevant with the 1st embodiment described.Fig. 4 is the process flow diagram of the expression action relevant with the 1st embodiment.Show that in above-mentioned client operating display frame 7 not shown transaction selects picture by aforesaid operations display part 17, selectively show credit transaction, the various transaction of the transaction of withdrawing the money, money transfer transactions, inquiry into balance, bankbook book keeping operation and enchashment.Select in the various transaction of operator from be displayed on client operating display frame 7 " money transfer transactions ".Control part 10 control operation display parts 17 confirm that the operator has selected the situation (S101) of " money transfer transactions ".
According to the selection of money transfer transactions, control part 10 control operation display parts 17 forward client operating display frame 7 to, show that inquiry is transferring accounts of choice for use cash card or makes in cash the picture of transferring accounts (S102).Here, in the situation of having selected cash, carry out the processing different from present embodiment.
Selected to use in the situation of transferring accounts of cash card in step 102, control part 10 control operation display parts 17 show that whether selection is to the picture of transferring accounts (S103) of logining object.Here, selecting in the situation of transferring accounts of login object, to become common treatment scheme.
In step 103, selected beyond the login object in (new) situation of transferring accounts, control part 10 determine to be used for to obtain the information of transferring accounts conversational menu screen DISPLAY ORDER (being transaction flow) (S104).The transfer accounts DISPLAY ORDER of input information menu screen of decision is switched randomly by each transaction.
This DISPLAY ORDER of transferring accounts the input information menu screen is to obtain the order (being transaction flow) of the information of transferring accounts 31-35 shown in Figure 5.Fig. 5 is the key diagram that represents each project of the information of transferring accounts.The password 34 of the side's of transferring accounts accounts information 31, the object accounts information 32 of transferring accounts, the transfer accounts amount of money 33, cash card and people's name information 35 of transferring accounts are the information of transferring accounts, i.e. the necessary information of money transfer transactions.The side's of transferring accounts accounts information 31 is made of the side's of transferring accounts account data of the name 31-1 of bank, the name 31-2 of subbranch, account class 31-3, account 31-4.In addition, transfer accounts object accounts information 32 is made of the side's of transferring accounts account datas of the name 32-1 of bank, the name 32-2 of subbranch, account class 32-3, account 32-4 equally.In addition, in common ATM1, obtain this order of transferring accounts information 31-35 and be fixed to one or more, but be to be set as by randomly switching of each transaction to obtain this sequence of information in the present embodiment, change the input information menu screen of transferring accounts.
Here, the side's of transferring accounts accounts information 31 shown in Figure 5 cash card that can be inserted into from the operator of ATM1 the above-mentioned card insert opening 4 is obtained.And about the object accounts information 32 of transferring accounts, the amount of money 33 of transferring accounts, password 34 and people's name information 35 of transferring accounts, must the information of conversational input information menu screen input of transferring accounts, obtain from the operator of ATM1.
The various information of inputting in conversational input information menu screen of transferring accounts must for example be used as shown in Figure 6 menu screen by the operator, obtain with conversational mode input.Fig. 6 is the key diagram of an example of expression Password Input menu screen.These input information menu screen handles of transferring accounts are kept in the storage part 11 respectively accordingly with the information of transferring accounts 32-35 shown in Figure 5 and the object account data 32-1-32-4 that transfers accounts.In addition, in the figure, 34-2 is that Password Input is confirmed with display window, the 36th, numerical key, the 37th, acknowledgement key, the 38th, corrigendum key, the 39th, cancel key.
Fig. 7 is the key diagram of expression the transfer accounts input information menu screen group relevant with the information 32-35 that transfers accounts.The object accounts information input menu picture group 41 of transferring accounts is be used to the input menu picture of obtaining the above-mentioned object accounts information 32 of transferring accounts.The amount of money input menu picture group 42 of transferring accounts is be used to the input menu picture of obtaining the above-mentioned amount of money 33 of transferring accounts.Password Input menu screen group 43 is be used to the input menu picture of obtaining password 34, and the people's input information menu screen 44 of transferring accounts is be used to the input menu picture of obtaining people's name information 35 of transferring accounts.Like this, have the menu screen group corresponding with the above-mentioned information 32-35 that transfers accounts.Here, why being called " menu screen group ", is because it is not single menu screen, but a plurality of menu screens of hierarchy.
Return Fig. 4, the DISPLAY ORDER of the input information menu screen of transferring accounts that in above-mentioned steps 104, determines, for example when certain is concluded the business, adopt the order of the password 34 → people's name of the transferring accounts information 35 → side of the transferring accounts accounts information 31 → object accounts information 32 of transferring accounts → amount of money 33 of transferring accounts, when other are concluded the business, adopt the order of people's name information 35 → side of the transferring accounts accounts information 31 → object accounts information 32 → password 34 of transferring accounts → amount of money 33 of transferring accounts of transferring accounts.Control part 10 switches randomly by each transaction in this wise.
The above-mentioned storage part 11 of control part 10 controls temporarily is kept at the order that determines in the storage part 11 in step 104.At this moment, about the object account data 32-1-32-4 that transfers accounts, owing to be the high group of relevance, if with other information 31 of transferring accounts, 33-35 mixed display, can cause confusion to the operator, therefore, as input sequence, must be classified as one group to these object account data 32-1-32-4 that transfers accounts.Therefore, in above-mentioned storage part 11, the object account data 32-1-32-4 that transfers accounts is different from other orders of transferring accounts information 31,33-35 preserves.
Then, control part 10 is according to the DISPLAY ORDER of the menu screen that determines in step 104, order accesses corresponding with the above-mentioned information 32-35 that transfers accounts respectively menu screen 41-44 from above-mentioned storage part 11, is presented in the above-mentioned client operating display frame 7 by aforesaid operations display part 17.Thus, the necessary information of input money transfer transactions in client operating display frame 7.On the other hand, about the side's of transferring accounts accounts information 31, control part 10 is obtained by reading out from above-mentioned card reading part 14.Like this, control part 10 is kept at the input data relevant with the information 31-35 that transfers accounts that obtain in the above-mentioned storage part 11 (S105).
In addition, when accessing the menu screen corresponding with the object accounts information 32 of transferring accounts, control part 10 is according to the DISPLAY ORDER of the menu screen of the object account data 32-1-32-4 that transfers accounts that generates in step 104, order accesses corresponding menu screen from the object accounts information input menu picture group 41 of transferring accounts of correspondence, is presented in the client operating display frame 7.Be stored in the above-mentioned storage part 11 with the obtained relevant input data of object account data 32-1-32-4 of transferring accounts.
After having obtained one group of data, control part 10 is according to obtained data, and transaction content for example is presented in as shown in Figure 8 the picture, makes the operator confirm (S106).Fig. 8 is the transfer accounts key diagram of an example of affirmation menu screen of object accounts information of expression.Control part 10 control aforesaid operations display parts 17, in above-mentioned client operating display frame 7, show the name 32-1 of bank, the name 32-2 of subbranch, account class 32-3, the account 32-4 of the object accounts information 32 of transferring accounts as transaction content affirmation picture, and show acknowledgement key 37, corrigendum key 38 and cancel key 39.After the operator supresses acknowledgement key shown in Figure 8 37, carry out the processing of transferring accounts, carry out actual transferring accounts (S107).If supress corrigendum key 38, then show not shown corrigendum picture, if supress cancel key 39, then return the picture of regulation.
As mentioned above, according to the 1st embodiment, by being provided with the control part that generates transaction flow, switch randomly DISPLAY ORDER be used to the menu screen of obtaining the information of transferring accounts by each transaction, can make and not see picture and sequence of operation by the phone indication, the sequence of operation of carrying out from the actual observation picture are different.It will provide to the operator of reality the chance of the abnormality of judging transaction, thereby can stop the execution of returning the gold swindle.In addition, in the common situation of transferring accounts that the object of transferring accounts of having logined is transferred accounts, can operate according to usual fixing transaction flow, therefore, for the people (well-meaning user) who uses ATM1 such as the custom of often implementing to transfer accounts, the screen operation that can finalize the design can not spend the extra time in the processing of transferring accounts.Thus, can stop the swindle of return gold.
(the 2nd embodiment)
Below, the 2nd embodiment is described.For with the explanation of above-mentioned the 1st embodiment in identical inscape use identical symbolic representation.Fig. 9 is the structural drawing of the ATM1 relevant with the 2nd embodiment.The structure of the ATM1 relevant with the 2nd embodiment is to have appended menu information storage part 52 in above-mentioned the 1st embodiment.
The 50th, the control part of the various piece of control ATM1.This control part 50 is connected with the storage part 51 that is made of RAM, ROM or hard disk etc.Control part 50 moves according to the control program that is stored in the storage part 51.In addition, control part 50 can write storage part 51 to necessary data in processing at each, and can read it from storage part 51 as required.
And ATM1 is connected with above-mentioned menu information storage part 52, the layout that this menu information storage part 52 is preserved various menu screens and the data relevant with the button of option on the expression picture.Specifically in this menu information storage part 52, preserve be used to showing transaction choice menus picture described later, the input information menu screen of transferring accounts, the final data (character of layout pattern, button etc.) of confirming with necessity of the various menu screens such as menu screen.These data are used in the generation of various menu screens with in showing.The 17th, for the easy-operating operation display part of operator's friendship.Operation display part 17 shows in above-mentioned client operating display frame 7 and is used for making the operator hand over easy-operating transaction guide picture, and the input operation by the operator, obtains the input data.And operator's input data are sent to above-mentioned control part 50 and process.Operation display part 17 is switched the various menu screens of demonstration according to the indication from control part 50.
Figure 10 is the functional-block diagram of the function of the expression control part 50 relevant with the 2nd embodiment.Control part 50 moves according to the control program that is stored in the above-mentioned storage part 51, utilize be stored in above-mentioned menu information storage part 52 in the relevant data of various menu screens, carry out generation and the demonstration of menu screen.
Transaction selects layout pattern generating unit 61 to determine the layout of button of the option of expression transaction choice menus pictures, and this transaction choice menus picture is used for making the operator to select to conclude the business arbitrarily from the various transaction of credit transaction, the transaction of withdrawing the money, money transfer transactions, inquiry into balance, bankbook book keeping operation and enchashment.The layout of the button of transaction choice menus picture is switched randomly by each transaction, and the transaction choice menus picture that determines is kept in the above-mentioned menu information storage part 52.Transaction selection key character generating unit 62 determines the character string that shows, the function when namely supressing this button in transaction choice menus picture.The character string of the button of transaction choice menus picture determines by randomly switching of each transaction, and the character string of the button that determines is kept in the above-mentioned menu information storage part 52.Transaction choice menus display part 63 under the control of transaction control part 60, in client operating display frame 7 shows transaction choice menus picture by operation display part 17 according to the layout of the button of these transaction choice menus pictures and the data of character string.When the operator has selected money transfer transactions, send data to transaction control part 60.
Transaction flow generates the transfer accounts DISPLAY ORDER (being transaction flow) of input information menu screen of the dialog mode that determines to be used for to obtain the information of transferring accounts described later (the necessary information of money transfer transactions) with information input unit 64 in money transfer transactions.The transfer accounts DISPLAY ORDER of input information menu screen, for example in the situation of certain transaction, adopt the order of the password 34 → people's name of the transferring accounts information 35 → side of the transferring accounts accounts information 31 → object accounts information 32 of transferring accounts → amount of money 33 of transferring accounts, when other are concluded the business, adopt different therewith orders.The DISPLAY ORDER of input information menu screen of transferring accounts is switched decision randomly by each transaction.The DISPLAY ORDER of the input information menu screen of transferring accounts that determines is stored in the above-mentioned menu information storage part 52 according to the control of transaction control part 20.And transaction flow generates with information input unit 64 the input information menu screen of transferring accounts is presented in the client operating display frame 7, and accepts the input of operator's the information of transferring accounts.The information of transferring accounts of input is stored in the storage part 51.
Confirm with 65 decisions of button character generating unit by the button character string of the affirmation menu screen of the information of transferring accounts of operator's input, the function when namely supressing this button.That is,, from the character string group of the synonym of " approval of processing ", " corrections of input data ", " termination of this transaction ", switch in randomly character string shown on the button and determine by each transaction.The input validation that determines button character string, the control according to transaction control part 20 is stored in the above-mentioned menu information storage part 52.
Final affirmation determines to be used for the final final affirmation layout pattern of confirming transaction content with layout pattern generating unit 67.The final affirmation that determines is stored in the menu information storage part 52 with the control of layout pattern according to transaction control part 20.Final confirm with button character generating unit 68 by each transaction switch randomly select decision above-mentioned final affirmation with layout generating unit 67 in shown character string, the function when namely supressing this button on selected final affirmation each button with layout pattern.The character string that shows at each button that determines, the control according to transaction control part 20 is stored in the above-mentioned menu information storage part 52.Final confirm with menu display part 69 according to the data relevant with character string with final affirmation usefulness layout pattern that are stored in storage part 51 and the menu information storage part 52, confirm to be presented in the above-mentioned client operating display frame 7 with menu screen final, supervise the transfer accounts affirmation of information of operator.And the information of transferring accounts of confirming is kept in the above-mentioned storage part 51.The processing execution of transferring accounts section 24 is according to the information of transferring accounts in the storage part 51 of the being stored in processing of transferring accounts.
Below, the action relevant with the 2nd embodiment described.Figure 11 is the process flow diagram of the expression action relevant with the 2nd embodiment.When the operator has touched the client operating display frame 7 of ATM1, begin to process.The determine deal layout pattern of choice menus picture of control part 50.Figure 12, Figure 13 are the key diagrams of expression transaction choice menus picture.In menu information storage part 52, preserve the layout pattern of the different a plurality of transaction choice menus pictures of layout of transaction button.
In Figure 12 (a)-(d), Figure 13 (e)-(h), figure is shown with character, but the layout pattern of preserving is the layout pattern of button, is in the state that does not have character.The layout of Figure 12 (a) is that button is respectively being disposed up and down 3.The layout of this figure (b) is that button is respectively disposed 3 in upper left and bottom right.The layout of this figure (c) is in the lower-left with upper rightly respectively dispose 3 button.The layout of this figure (d) is that button is respectively disposed 3 in left side and right side.The layout of Figure 13 (e) is 2 of left side configurations, 4 of right side configurations button.The layout of this figure (f) is that button is disposed 3 from upper left to the central authorities below, and 3 of configurations have a down dip to the right from the central authorities top.The layout of this figure (g) is, button from roughly upper left to 6 of bottom right tilted configuration roughly.The layout of this figure (h) is button respectively to be disposed 1 at the two ends, the left and right sides of epimere, 4 of hypomere configurations.Control part 50 is kept at it in above-mentioned menu information storage part 52 (S201) from wherein selecting to switch randomly by each transaction the numbering (for example No.1) of the menu that determines.
Control part 50 has determined menu numbering (for example No.1) in the layout that has determined transaction choice menus picture after, determine the character string that the button at next one transaction choice menus picture shows.That is, the conclude the business definition of button of choice menus picture.Specifically, there are " enchashment ", " bankbook book keeping operation ", " deposit ", " transferring accounts ", " withdrawing the money ", " inquiry into balance " these 6 trading items, in above-mentioned menu information storage part 52, the button that is kept at the transaction choice menus of the transaction choice menus picture of having selected these projects in the above-mentioned steps 201 shows the association of which character wherein.For example, in the transaction choice menus picture of menu numbering (No.1), in epimere definition enchashment 45, bankbook book keeping operation 26, deposit 9, transfer accounts 5 in the hypomere definition, withdraw the money 8, inquiry into balance 25.This character string is switched (S202) randomly by each transaction.
According to the data of preserving in above-mentioned steps 201, step 202, the transaction choice menus picture (No.1) of display case shown in Figure 12 (a) (S203).Behind the button of pressing transaction choice menus picture, to impinging upon the related data of the button of the transaction choice menus picture of preservation in the above-mentioned menu information storage part 52, carry out the processing that is assigned to each button according to the indication from control part 50.Be to transfer accounts in the situation of button 5 at the button of the transaction choice menus picture that is pressed, control part 50 control operation display parts 17 confirm that the operator has selected the situation (S204) of " money transfer transactions ".
The layout that more than is the button of transaction in the display menu shows, the character string display of button, be selected the flow process of money transfer transactions.Then, based on the selection of money transfer transactions, control part 50 control operation display parts 17 forward client operating display frame 7 to, show to be used for select based on cash card transfer accounts or based on the picture of transferring accounts (S205) of cash.Here, in the situation of selecting cash, carry out the processing different from present embodiment.
Selected in step 205 in the situation of transferring accounts based on cash card, control part 50 control operation display parts 17 show whether be used for selection carries out to the picture of transferring accounts (S206) of login object.Here, selecting to carry out in the situation of transferring accounts of login object, to become common treatment scheme.
In step 206, selected to carry out in the new situation of transferring accounts the DISPLAY ORDER (being transaction flow) that control part 50 determines for the input information menu screen of transferring accounts of obtaining the information of transferring accounts.Control part 50 switches the DISPLAY ORDER of the input information menu screen that determines to transfer accounts randomly by each transaction.And the DISPLAY ORDER of the input information menu screen of transferring accounts that determines is kept in the menu information storage part 52.
The DISPLAY ORDER of this input information menu screen of transferring accounts and above-mentioned the 1st embodiment are same, are the orders that obtains the information of transferring accounts 31-35 shown in Figure 5.From each information of the input information menu screen input of transferring accounts, same with above-mentioned the 1st embodiment, use Password Input menu screen for example shown in Figure 6 by the operator, input with conversational mode.In addition, about above-mentioned information 32-35 and the above-mentioned relation of transferring accounts between the input information menu screen of transferring accounts, identical with above-mentioned the 1st embodiment.
Then, control part 50 is according to the DISPLAY ORDER of the input information menu screen of transferring accounts that determines, order accesses and above-mentioned each the self-corresponding above-mentioned menu screen 41-44 of information 32-35 that transfers accounts from above-mentioned menu information storage part 52, is presented in the client operating display frame 7 by operation display part 17.Thus, input information necessary in money transfer transactions by client operating display frame 7.In addition, can read from above-mentioned card-reading part 14 about the side's of transferring accounts accounts information 31 and obtain.The input data relevant with the obtained information of transferring accounts 31-35 are stored in the above-mentioned storage part 51 (S207).
Then, control part 50 decisions are by the button character string of the affirmation menu screen of the information of transferring accounts of operator's input.That is, in the character string group of the synonym of " approval of processing ", the corrections of data " input ", " termination of this transaction ", determine the character string that shows at button.For the decision of character string, switch randomly by each transaction.The input validation that determines is stored in the above-mentioned menu information storage part 52 (S208) with the button character string.
Figure 14 is the transfer accounts key diagram of affirmation menu screen of object accounts information 32 of expression.In the drawings, expression is by the name 32-1 of bank, the name 32-2 of subbranch, account class 32-3, account 32-4, acknowledgement key 37, corrigendum key 38, the cancel key 39 of the object accounts information 32 of transferring accounts of operator's input.These arrangements that consist of respectively acknowledgement key 37 in the object accounts information 32 of transferring accounts, corrigendum key 38, cancel key 39 are 6 different Mode A-F mutually, and are stored in the above-mentioned menu information storage part 52.Control part 50 determines 1 from Mode A-F, and pattern numbering 1-6 is kept in the above-mentioned menu information storage part 52.Carry out randomly the decision of Mode A-F by each transaction with switching.In addition, the character that shows on the button about the affirmation menu screen of each Mode A-F, such as shown below, do not fix.
Figure 15 is the key diagram that is illustrated in the character string group that shows on the button of confirming menu screen.Comprise at the character string group 37-1 that is used for approving " affirmation, approval, OK, advance ".Comprising " correct, revise, heavily come " for the character string group 38-1 that carries out part correction.And, comprise " cancel, end, abandon " at the character string group 39-1 that is used for interrupting processing, comprise the character of identical meanings in organizing these each.In menu information storage part 52, control part 50 switches decision by each transaction to such character string group as shown in the drawing seriatim at random from each group by pre-save.Selected character string and the data of pointing to menu mode together are kept in the storage part 51.
Then, the information of transferring accounts of operator's input is presented in the client operating display part 7, supervises the operator to confirm (S209).Supress in the situation of acknowledgement key the final affirmation step after entering the operator.In addition, supressing in the situation of correcting key and supressing in the situation of cancel key, re-start processing (not shown).
In above-mentioned steps 209, when supressing acknowledgement key, control part 50 determines to be used for making the operator carry out the final affirmation layout pattern of the final affirmation of transaction content.Figure 16 is the final key diagram of confirming with layout pattern of expression.Final confirm that with layout pattern be in order to carry out the employed layout pattern of final affirmation of money transfer transactions content, its pre-save in above-mentioned menu information storage part 52 has 4 kinds.Control part 50 from wherein selecting randomly 1, and is kept at (S210) in the storage part 51 to its menu numbering (for example No.1 of this figure (a)) by each transaction.
Then, control part 50 determines to use in above-mentioned steps 210 selected final affirmations the upper shown character string of each button A-C of layout pattern (No.1).For example, button A is that " the subbranch of △ △ bank from 00 subbranches of 00 banks of client's card account to destiny account transfers accounts 100,000 yen.”。In addition, button B is that " 00 subbranches of 00 banks from the subbranch of △ △ bank of the account of appointment to client's card account transfer accounts 100,000 yen.”。And button C is " abort transactoin.”。Character string shown on this each button A-C is switched randomly by each transaction.In addition, the character string of A-C is to generate according to the data (bank of the bank of the side of transferring accounts and subbranch's name and the object of transferring accounts and subbranch's name and the amount of money of transferring accounts) in above-mentioned steps 209 input, and is stored in (S211) in the storage part 51.
Here, the character string of A is operator's actual transaction of carrying out under criminal's guiding (that is, criminal's side guiding operator concludes the business, in other words, the transaction from operator's account to the specified account transfer of criminal).The character string of B is operator's transaction of having believed criminal's side (that is, the operator wants the transaction carried out, in other words, the transaction in the account of returning gold and change over to the operator).The character string of C is the content of ending this transaction.
At last, control part 50 shows the final menu screen (S212) of confirming to use according to the data that are stored in the storage part 51.Only in the situation that the button that has been assigned with the A character string is pressed, enter the processing execution step (S214) of transferring accounts, carry out the actual processing of transferring accounts.In the situation of supressing other button (B or C), abort transactoin.
As mentioned above, according to the 2nd embodiment, in money transfer transactions, by being provided with control part, this control part switches the choice menus picture of determining deal randomly by each transaction, confirm menu screen, and final layout and the character string of confirming with the button of menu screen, change thus the position of the button that in transaction step, must press by each transaction, therefore, be difficult to carry out the guiding as seen the picture that actual operator sees by phone, thereby can stop as " please press in the next picture from the 2nd button " etc., make the operator not understand the guiding that is relatively easy to of actual transaction content.
In addition, represent simultaneously that by showing transaction content that the operator actual transaction content that carries out (i.e. transaction from operator's account to the account transfer of criminal's appointment) and operator under criminal's guiding believed that criminal's side carries out (namely, account to the operator changes the transaction of returning gold over to), the final affirmation menu screen of confirming can be perceived operator's operating mistake easily.And, by switch randomly layout and the character string of these buttons by each transaction, be difficult to make the operator in the situation of not reading displaying contents, just to push button, can increase criminal's guiding difficulty.Therefore, can stop the swindle of return gold.
Claims (7)
1. automatic trading apparatus, be used for making the operator carry out financial transaction by operation, it is characterized in that, has the client operating display part, this client operating display part is inputted information necessary in financial transaction according to the transaction picture, and has control part, and this control part is controlled at the order that shows the transaction picture in the above-mentioned client operating display part, so that switch by each transaction
The control that above-mentioned control part switches by each transaction is the control of switching randomly by each transaction.
2. automatic trading apparatus according to claim 1 is characterized in that, above-mentioned financial transaction is money transfer transactions.
3. automatic trading apparatus according to claim 1 is characterized in that, necessary information is the new information about the other side that transfers accounts of money transfer transactions in the above-mentioned financial transaction.
4. the disposal route of transferring accounts of an automatic trading apparatus is to make the operator carry out the disposal route of transferring accounts of the automatic trading apparatus of money transfer transactions by the operating operation display part, it is characterized in that, comprising:
Treatment step is selected in transaction, shows transaction selection picture in operation display part, makes the operator select money transfer transactions;
Transaction flow generates step, switches the DISPLAY ORDER that determines menu screen by each transaction, and this menu screen is used for obtaining in the necessary information of money transfer transactions;
Transaction Information input processing step, the DISPLAY ORDER according to generate the menu screen that determines in the step in above-mentioned transaction flow shows above-mentioned menu screen in operation display part, process the necessary information of above-mentioned money transfer transactions by operator's input; And
The processing execution of transferring accounts step, according to the necessary information of above-mentioned money transfer transactions of inputting based on above-mentioned Transaction Information input processing step, the processing of transferring accounts,
The DISPLAY ORDER of the menu screen that determines in above-mentioned transaction flow generation step is switched randomly by each transaction.
5. the disposal route of transferring accounts of automatic trading apparatus according to claim 4 is characterized in that, the necessary information of above-mentioned money transfer transactions is the new information about the object of transferring accounts of money transfer transactions.
6. the disposal route of transferring accounts of automatic trading apparatus according to claim 4 is characterized in that, above-mentioned transaction selects treatment step to comprise:
Transaction selects layout pattern to generate step, presses the layout that the button that determines a plurality of type of transaction of demonstration is switched in each transaction;
Transaction selection key character generates step, switches the character string that decision shows at above-mentioned button by each transaction; And
Transaction choice menus step display according to select layout pattern to generate the data that determine in step and the above-mentioned transaction selection key character generation step in above-mentioned transaction, shows transaction choice menus picture.
7. the disposal route of transferring accounts of automatic trading apparatus according to claim 6, it is characterized in that, switch in randomly above-mentioned transaction by each transaction and select layout pattern to generate the layout of the button that determines in the step or the character string that in above-mentioned transaction selection key character generation step, determines.
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP2008290763A JP5396822B2 (en) | 2008-11-13 | 2008-11-13 | Automatic transaction apparatus and transfer processing method of automatic transaction apparatus |
| JP2008-290763 | 2008-11-13 |
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| Publication Number | Publication Date |
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| CN101739765A CN101739765A (en) | 2010-06-16 |
| CN101739765B true CN101739765B (en) | 2013-05-01 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN2009101516581A Expired - Fee Related CN101739765B (en) | 2008-11-13 | 2009-07-20 | Automatic teller machine and transfer processing method of automatic teller machine |
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| Country | Link |
|---|---|
| JP (1) | JP5396822B2 (en) |
| KR (1) | KR101088662B1 (en) |
| CN (1) | CN101739765B (en) |
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| JP2014219712A (en) * | 2013-05-01 | 2014-11-20 | コニカミノルタ株式会社 | Operation display device |
| KR102296859B1 (en) * | 2014-04-25 | 2021-09-01 | 효성티앤에스 주식회사 | Automated teller machine and video banking server, and transaction screen sharing method |
| JP2016148951A (en) * | 2015-02-10 | 2016-08-18 | 株式会社三菱東京Ｕｆｊ銀行 | Transaction device, transaction method, and transaction system |
| CN106302309A (en) * | 2015-05-12 | 2017-01-04 | 阿里巴巴集团控股有限公司 | A kind of method and device for business processing |
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| JP2005258838A (en) * | 2004-03-12 | 2005-09-22 | Hitachi Engineering & Services Co Ltd | Ten key operation display device |
| CN200983138Y (en) * | 2006-12-27 | 2007-11-28 | 梁伟 | Digital password anti-theft protector for micro-display of bank ATM |
| JP2008225742A (en) * | 2007-03-12 | 2008-09-25 | Something Good:Kk | Password input device |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JPH08129663A (en) * | 1991-04-02 | 1996-05-21 | Hitachi Ltd | Display system |
| JPH0612440A (en) * | 1991-04-17 | 1994-01-21 | Hitachi Ltd | Automatic transaction device |
| JPH10105781A (en) * | 1996-10-01 | 1998-04-24 | Oki Electric Ind Co Ltd | Automatic banking machine |
| JPH11328118A (en) * | 1998-05-19 | 1999-11-30 | Hitachi Ltd | User authenticating method and storage medium |
| JP2000020468A (en) * | 1998-07-02 | 2000-01-21 | Toshiba Corp | Information input device and display method for input operation picture for the same |
| JP4360839B2 (en) * | 2003-06-11 | 2009-11-11 | 富士通株式会社 | Automatic transaction processing program and automatic transaction apparatus |
| JP4738170B2 (en) * | 2005-12-28 | 2011-08-03 | 富士通株式会社 | Transfer application reception system, transfer application reception method, and computer program |
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2008
- 2008-11-13 JP JP2008290763A patent/JP5396822B2/en active Active
-
2009
- 2009-07-20 CN CN2009101516581A patent/CN101739765B/en not_active Expired - Fee Related
- 2009-07-20 KR KR1020090065859A patent/KR101088662B1/en not_active IP Right Cessation
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JP2005258838A (en) * | 2004-03-12 | 2005-09-22 | Hitachi Engineering & Services Co Ltd | Ten key operation display device |
| CN200983138Y (en) * | 2006-12-27 | 2007-11-28 | 梁伟 | Digital password anti-theft protector for micro-display of bank ATM |
| JP2008225742A (en) * | 2007-03-12 | 2008-09-25 | Something Good:Kk | Password input device |
Also Published As
| Publication number | Publication date |
|---|---|
| JP5396822B2 (en) | 2014-01-22 |
| JP2010117892A (en) | 2010-05-27 |
| CN101739765A (en) | 2010-06-16 |
| KR20100054080A (en) | 2010-05-24 |
| KR101088662B1 (en) | 2011-12-01 |
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