JP2000182122A - Cash transaction system and cash transaction machine used for the same - Google Patents

Abstract

PROBLEM TO BE SOLVED: To reinforce crime prevention and to suppress a damage cost and being physically harmed as much as possible when payment is demanded by a malicious person by storing information on whether a card is a normal card or a card for emergency in the card or a center. SOLUTION: When a user inputs a password number with an inputting and outputting part 21, a communicating part 23 adds a branch office code to card data and the password number and transmits them to a center 30 through a line 60. The controlling part 32 of the center 30 acquires a utilization mode from transmitted card data. When it is a normal mode, it decides if a correct password number is inputted equally to or less than the prescribed number of times, and when the correct password number is not inputted, it requests the controlling part 25 of an ATM terminal 20 to perform card return processing. Meanwhile, when it is an emergency mode, it extracts a branch office address, etc., based on transmitted branch office code and branch office information table and automatically or manually notifies a registered security company 50 by a communicating part 31.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a cash transaction system such as an automatic teller machine system (hereinafter, referred to as an ATM system) or an automatic teller machine (hereinafter, referred to as a CD) system and a cash transaction apparatus used therefor. In particular, it relates to a technology effective when applied to a cash transaction system and a cash transaction device used for crime prevention when a legitimate user is forced to withdraw from a malicious person etc. is there.

[0002]

2. Description of the Related Art In recent years, there is a trend that a cash transaction apparatus of a cash transaction system is installed in a 24-hour shop to provide a 24-hour service. This is not only an advantage for customers, but also for the store, as it allows you to transfer the sales of the store etc. to your own account or transfer it to another account without going to the bank through this terminal . However, when a terminal is installed in a store that is open for 24 hours in the future, a method of preventing crime from a malicious person who aims for cash in the terminal is indispensable. In particular, when depositing the sales of the store into this terminal, it becomes necessary for the store to hold a cash card or the like. For this reason, it is expected that crimes of using the cash card of this store to withdraw cash from the terminal will increase. In a security method when a cash transaction device of a cash transaction system is installed in a store, the following two points are important. I want to reduce damage to the amount. I want to keep my clerk safe. Hereinafter, an ATM system will be described as an example of a conventional cash transaction system. In a conventional ATM system, as a security measure for achieving the above two points, for example, Japanese Unexamined Patent Application Publication No. 10-63742
Is disclosed in Japanese Patent Application Laid-Open Publication No. HEI 9-203 (1995). To do this, set two types of PINs in one cash card,
Normally, you trade with your first PIN, and if a malicious person compels you to withdraw, enter your second PIN,
It is described that when detecting that a second password has been input, an accident countermeasure system is started.

[0003]

However, the above method has the following problems. (1) It is extremely rare for a user to withdraw money from a malicious person, so even if a second PIN is set, it should be remembered for many years. Is difficult. For this reason, when a malicious person is forced to provide a password, it is conceivable that the first password must be provided. (2) Even if the first and second PINs are set for each store, it is easy to forget the second PIN that is rarely used, and when the store manager changes, the takeover may not be performed sufficiently. is there.
Also, in a shop that employs a part-time worker who changes frequently, it is difficult to ensure that the store clerk has two types of passwords. Therefore, if only the first password is memorized, the amount of damage is large, and if the first password is not known, the clerk's body may be harmed. Here, there is a method of setting the second password to a number that is difficult to forget (for example, 1234), but it is highly likely that the second password will be forgotten if there is no opportunity to use it. It is highly likely that the numbers cannot be remembered. (3) There is a problem in management if the store manager tells the store manager the first PIN number of the card used at the time of withdrawal. The present invention has been made to solve the above-mentioned problems, and its purpose is to enhance crime prevention and to harm the amount of damage and the body when a malicious person requests withdrawal. It is an object of the present invention to provide an ATM system capable of minimizing this.

[0004]

SUMMARY OF THE INVENTION Among the inventions disclosed in the present application, the outline of a representative one will be briefly described.
It is as follows. Cards used for depositing and withdrawing cash include cash cards for banks and post offices, as well as credit cards and consumer finance cards. Since the present invention covers all these cards,
Hereinafter, it is simply referred to as a card.

[0005] A card used to deposit or withdraw cash, a cash transaction device for depositing or withdrawing cash,
In a cash transaction system including the cash transaction device and a center connected via a network line, information on whether the card is a normal card or an emergency card is stored in the card or the center. Let
The cash transaction device has a screen display to a user and input / output means for receiving an input from the user, a card reading means for reading the card, and a card content read by the card reading means via the network line. Communication means for communicating with the center by means of the communication means, depositing and withdrawing means for depositing or withdrawing money after communication by the communication means, and control means for controlling each of these means and performing transaction processing with the center. Is provided with a communication means for communicating with the cash transaction device or performing an emergency report, a card use condition table indicating use conditions of the card, a card use history table indicating use history of the card, and each cash transaction device. A database storing a branch information table indicating branch information, and controlling them to execute transaction processing with the cash transaction apparatus. And a control unit.

Further, in a cash transaction apparatus which is connected to a center of a financial institution via a network line and which is used for depositing and withdrawing cash, the depositing and dispensing of cash is carried out in a cash transaction apparatus in which the card is normally used. Card, or information on whether the card is an emergency card is stored in the card or the center, an input / output means for receiving a screen display to the user and an input from the user, and a card reading means for reading the card A communication means for communicating the contents of the card read by the card reading means to the center via the network line; a deposit and withdrawal means for depositing and withdrawing after communication by the communication means; And control means for performing transaction processing with the center.

[0007]

DESCRIPTION OF THE PREFERRED EMBODIMENTS In this embodiment, an ATM system of a bank or a post office will be described as an example of a cash transaction system, and will be described in detail with reference to the drawings. FIG. 1 is a diagram showing a configuration of an ATM system according to an embodiment of the present invention. As shown in FIG. 1, the ATM system 1 according to the present embodiment includes a card 10 (normal card 10a and an emergency card 10b) required for cash deposit / withdrawal, and an ATM terminal for cash deposit / withdrawal. 20 and a center 30 connected to the ATM terminal 20 via a line 60,
When the emergency card 10 b is input to the ATM terminal 20, the emergency card 10 b is connected to the security company 50 that reports via the center 30. The report from the center 30 may be sent not only to the security company but also to the police and the like. The above-mentioned ATM terminal 20 includes an input / output unit 21 for receiving a screen display to the user and an input from the user, a card reading unit 22 for reading the user's card 10, and a center 30 via the line 60.
Communication unit 23 that communicates with the payment unit 24 that performs payment and withdrawal
And a control unit 25 that controls these units and processes transactions with the center 30. A center 30 for communicating with the ATM terminal 20 or the security company 50;
A control unit 32 for controlling the communication unit 31 and performing transaction processing with the ATM terminal 20; a card user table 41; a card use condition table 42; a card use history table 43;
And database 40 storing branch information table 44
It is composed of

Next, the card 1 of this embodiment will be described with reference to FIG.
The configuration of the card data stored in 0 will be described.
As shown in FIG. 2, the card data of the card 10 of this embodiment has at least a financial institution code 11 for specifying a financial institution, a card ID 12 for specifying a user's card, and a user's use mode 13. .

Next, each of the tables 41 to 44 stored in the database 40 will be described with reference to FIGS. The card user table 41, as shown in FIG.
It comprises a card ID 411, a card user name 412, and a use mode 413 for identifying which user the card belongs to. In the example shown in FIG. 3, the card with the card ID "000001" is a card for the manager of the store A, and the card with the card ID "000002" is an emergency card at the Asahi store. On the other hand, a general customer who has a bank account deposits and withdraws his / her own account with this ATM, and a general customer who receives cash from a consumer finance company also uses this ATM.
Indicates that the card is "000003".

As shown in FIG. 4, a card use condition table 42 shows a card ID 421, a personal identification number 422, an upper limit of use 423 of a card, and an output which shows how many minutes must pass after the payment is made. It consists of a money available time interval 424 and a balance 425. In the example shown in FIG. 4, the card with the card ID “000001” is a card exclusively used by the store manager of the store A, and is, for example, a card to be strictly managed in the back of the store. It is used for change when 1,000 yen bills are running out in the store or when the store manager withdraws cash when dealing with a wholesaler. here,
The balance is 850K $, the upper limit of withdrawal in one transaction is 50K $, which indicates that it is not possible to withdraw for 5 minutes after the withdrawal. The card with the card ID "000002" is an emergency card at the Asahi store, and should be kept in a place where a part-time clerk can easily use it in an emergency. When using this card, the balance is 30
K ￥, the upper limit of withdrawal in one transaction is 10K ￥, which indicates that withdrawal cannot be made for 10 minutes after withdrawal. In this way, even if a malicious person is forced to withdraw money, only 10 K ￥ can be withdrawn at a time, and 10
You can't withdraw for a minute, so you can minimize damage. The card with the card ID "000003" is a general customer's card, the balance is 450 K $, and the upper limit of withdrawal in one transaction is 200 K $, indicating that the withdrawal can be continued without waiting after the withdrawal. By providing an emergency and setting an upper limit and a time interval at which payment can be made, damage can be minimized.

The card use history table 43 is a table showing at least the date and time when each card was last paid out and the amount thereof. As shown in FIG. 5, the card ID 431, the last paid out date and time 432, and the paid out amount 433 are shown in FIG. Consists of
In the example shown in FIG. 5, the card ID is “000001”
The last withdrawal date of the card is "August 20, 2010 at 16:
35 ", indicating that the withdrawal amount at that time is 9K $. Based on this card usage history table 43,
It is checked whether a predetermined time has elapsed since the last withdrawal.

As shown in FIG. 6, the branch information table 44 includes a branch code 441, a branch name 442, and a branch address 44.
3 and a contact 444. In the example shown in FIG. 6, the branch having the branch code “001998” is the store A located in “Yokohama-shi, Kanagawa...”
× -OOO ". If the card used is an emergency card, the security company 50 or the police is contacted using the branch information table 44.

Next, transaction processing of the control unit 25 of the ATM terminal 20 and the control unit 32 of the center 30 according to the present embodiment will be described. First, the use mode is determined by the center 3.
The case where the process is performed on the 0 side will be described. In this case, the information on the use mode 13 shown in FIG. FIG. 7 is a flowchart showing a transaction process of the control unit 25 of the ATM terminal 20 and the control unit 32 of the center 30 when the use mode is determined at the center 30.

First, the control unit 25 of the ATM terminal 20 waits for a card input from the user (step 701). Upon receiving the card input, the card reading unit 22 reads the card data and determines whether the card can be handled. Is checked (step 702). If the card cannot be handled, a message indicating that the card cannot be handled is displayed, the card is returned, and the process ends.

If the card can be handled, the input / output unit 21
Receives a service selection from the user (step 703), and receives a password input (step 70).
4). When the personal identification number is input, the communication unit 23 adds the branch code to the card data (financial institution code 11, card ID 12) and the personal identification number, and transmits the line 6 to the center 30.
0 (step 705).

The control section 32 of the center 30 acquires the use mode from the transmitted card data (step 70).
6) If it is normal (use mode: 1, 2, 3), it is determined whether or not a correct password has been input a predetermined number of times or less (step 707). If not, the control unit 25 of the ATM terminal 20 is requested to return the card, and the process is terminated (step 708).

When the correct password is input, the time obtained by subtracting the date and time of the last withdrawal from the current date and time is obtained based on the card usage history table 43 of the database 40 (step 709). 4
It is determined whether or not the withdrawable time interval 424 of step 2 has been exceeded (step 710). If not, the time up to the withdrawable time interval 424 is determined, and a guidance screen stating "cannot withdraw more ○ minutes" is displayed. Is displayed (step 711), and the processing ends.

If it exceeds, the input / output unit 21 receives an input of a withdrawal amount (step 712), and determines whether the amount exceeds the upper limit 423 of the card use condition table 42 (step 713). If so, the flow returns to step 712 to display a message such as "You can only withdraw money up to XX yen" and prompts you to re-enter. If not, it is confirmed that the balance 425> withdrawal. The controller 25 requests the controller 25 to withdraw money, and the deposit / withdrawal unit 24 withdraws money. The center controller 32 reduces the balance 425 (step 71).
4), end. If the amount to be paid out exceeds the balance, it is displayed that the amount (balance amount) can be withdrawn, and the process returns to step 712.

At step 706, if the status is emergency (use mode: 4), a branch address or the like is extracted based on the transmitted branch code and branch information table 44, and
1 to automatically or manually notify the registered security company 50, and proceed to step 707 (step 715).

Next, the use mode is determined by the ATM terminal 20.
The following describes the case of performing the above. FIG. 8 is a flowchart showing the transaction processing of the control unit 25 of the ATM terminal 20 and the control unit 32 of the center 30 when the use mode is determined by the ATM terminal 20. First, the control unit 2 of the ATM terminal 20
5 waits for a card input from the user (step 80)
1) When receiving a card input, the card reading section 22 reads the card data and checks whether or not the card can be handled (step 802). If the card cannot be handled, a message indicating that the card cannot be handled is displayed, the card is returned, and the process ends.

If the card can be handled, the control unit 25 acquires the use mode from the read card data (step 803). If the acquisition result is normal (use mode: 1, 2, 3), the input / output unit 21 receives a user's selection of a withdrawal service (step 804), and receives a password (step 805). When the personal identification number is input, the communication unit 23 adds the branch code to the card ID 12 and the personal identification number, and connects to the center 30 via the line 6.
0 (step 806).

The control unit 32 of the center 30 determines whether or not a correct password has been input a predetermined number of times or less (step 807). Control unit 25
, Requesting a card return process and terminating the process (step 808).

When the correct password is input, the time obtained by subtracting the last withdrawal date and time from the current date and time is obtained based on the card usage history table 43 of the database 40 (step 809). 4
It is determined whether the withdrawable time interval 424 has exceeded the withdrawable time interval 424 (step 810), and if not, the time up to the withdrawable time interval 424 is determined, and a guidance screen stating "No more ○ minutes can be withdrawn" is displayed. It is displayed (step 811), and the process ends.

If so, the input / output unit 21 receives an input of a withdrawal amount (step 812), and determines whether the amount exceeds the upper limit amount 423 of the card use condition table 42 (step 813). If so, the flow returns to step 812 to display a message such as "You can only withdraw money up to XX yen" and prompts you to re-enter. If not, it is confirmed that the remaining balance 425> withdrawal. The controller 25 requests the controller 25 to withdraw money, and the deposit / withdrawal unit 24 withdraws the money. The center controller 32 reduces the balance 425 (step 81).
4), end. If the amount to be withdrawn exceeds the balance, it is displayed that only the amount (balance amount) can be withdrawn, and the process returns to step 812.

If it is determined in step 803 that the obtained result is emergency (use mode: 4), the card ID 11 and the branch code are transmitted to the center 30 (step 815).
The control unit 32 of the center 30 extracts a branch address or the like based on the branch information table 44 and automatically or manually notifies the security company 50 registered by the communication unit 31 (step 816). In this case, the card user table 41 does not need to have information on the use mode 413. After that, the user selects a withdrawal service from the user through the input / output unit 21 (step 817), and receives a password (step 818). Then, the process proceeds to step 807.

In steps 707 and 807 described above, the password set on this card may not be remembered in an emergency, so the following three methods may be used in these steps. Regardless of which password is entered, the process proceeds to the next step. If there is no input for a certain period of time, proceed to the next step. Step 707 is skipped to step 709 without displaying the password input screen, or step 807 is skipped to step 809.

In the present embodiment, the amount of damage is minimized by setting a time interval until withdrawal. However, the present invention is not limited to this.
In an emergency, each step processing of the transaction may be delayed from the normal time.

As described above, another card other than the card normally used is prepared for an emergency, and when the card is input, the card input at the ATM terminal or the center side is normally used. Or emergency card, and if it is an emergency card, it can immediately notify the police and security companies automatically to enhance crime prevention and withdraw money from malicious individuals. When required, it is possible to minimize harm to the body.

Further, in order to minimize damage, a withdrawal limit and a withdrawable time interval are set in advance for each card so that withdrawals cannot be made many times in a short time. Can be suppressed as much as possible.

For example, the ATM of the present invention is installed in a store such as a convenience store.
When installing a terminal, the card used by the store manager and store clerk and the emergency card should be separate media, the former card should be kept strictly, and the latter card should be easy for everyone including the part-time clerk. Keep it in a place where you can take it out. When the clerk is requested to withdraw money by a malicious person, the clerk uses the latter card which can be easily taken out. If you use this card, the center will immediately notify the security company or the police to enhance security and ensure that clerks can withdraw even if they forget the PIN of this card in order to protect the clerk's personal safety. I do.

Also, the upper limit amount, a predetermined time for suppressing withdrawal after once dispensing can be set for each card, the amount of emergency card withdrawal can be reduced, and the predetermined time for suppressing withdrawal can be set longer. Thus, the amount of damage can be reduced.

Furthermore, since a part-time job clerk can easily operate and withdraw cash, there is little risk of harm to the body. When this card is entered into the ATM terminal, the center will automatically or manually contact the police or security company so that the patrol car siren can be heard by malicious people while withdrawing. It can be expected that she will escape while the damage is small. Further, by displaying a screen display indicating that withdrawal is impossible, there is an effect of giving up that the withdrawal cannot be made immediately.

Although the present embodiment has been described based on the ATM system, the present invention is not limited to this. For example, the present invention can be applied to a CD system using a credit card or a consumer finance card. The effect is obtained.

As described above, the invention made by the present inventor is:
Although specifically described based on the embodiment, the present invention
It is needless to say that the present invention is not limited to the above-described embodiment, but can be variously modified without departing from the scope of the invention.

[0035]

The effects obtained by the representative ones of the inventions disclosed in the present application will be briefly described as follows. Security can be strengthened, and it is possible to minimize harm to the body when a malicious person requests a withdrawal. Furthermore, in order to minimize damage, the amount of damage is minimized by setting the withdrawal limit and the withdrawable time interval for each card in advance so that it is not possible to withdraw many times in a short time. It becomes possible.

[Brief description of the drawings]

FIG. 1 is a diagram showing a configuration of an ATM system according to an embodiment of the present invention.

FIG. 2 is a diagram illustrating a configuration of card data stored in a card.

FIG. 3 is a diagram showing a configuration example of a card user table.

FIG. 4 is a diagram showing a configuration example of a card use condition table.

FIG. 5 is a diagram showing a configuration example of a card use history table.

FIG. 6 is a diagram showing a configuration example of a branch information table.

FIG. 7 shows an ATM in a case where a use mode is determined at a center.
It is a flowchart which shows the transaction processing of the control part of a terminal, and the control part of a center.

FIG. 8 shows A in the case where the use mode is determined by the ATM terminal.
It is a flowchart which shows the transaction processing of the control part of a TM terminal, and the control part of a center.

[Explanation of symbols]

1 ... ATM system, 10 ... Card 10, 20 ... ATM
Terminal, 21 input / output unit, 22 card reading unit, 23
... Communication unit, 24 ... Payment / withdrawal unit, 25 ... Control unit, 30 ... Center, 31 ... Communication unit, 32 ... Control unit, 40 ... Database, 41 ... Card user table, 42 ... Card use condition table, 43 ... Card Usage history table, 44: branch information table, 50: security company, 60: line.

Claims (6)

[Claims] 1. A card used for depositing or withdrawing cash, a cash transaction device for depositing or dispensing cash, and a center connected to the cash transaction device via a network line. In the cash transaction system, the information as to whether the card is a normal card or an emergency card is stored in the card or the center, and the cash transaction device displays a screen to a user and receives the information from the user. Input / output means for receiving the input of the card, card reading means for reading the card, communication means for communicating the contents of the card read by the card reading means to the center via the network line, after communication by the communication means Depositing and withdrawing means for depositing or withdrawing, and control means for controlling each of these means, and performing transaction processing with the center, The center communicates with the cash transaction device, or a communication means for performing an emergency report, a card usage condition table indicating usage conditions of the card, a card usage history table indicating usage history of the card, and each cash transaction device. A cash transaction system comprising: a database storing a branch information table indicating information of a branch to be installed; and control means for controlling the database and performing transaction processing with the cash transaction apparatus. 2. The cash transaction system according to claim 1, wherein each control unit of the cash transaction device and the center performs control not to collate a password when an object to be processed is an emergency card. A cash transaction system characterized by the following. 3. The cash transaction system according to claim 1, wherein, when the processing target is an emergency card, the control means of the center delays the transaction processing of the control means from a normal processing time. Cash transaction system characterized by performing. 4. A cash transaction device connected to a center of a financial institution via a network line and used for depositing or withdrawing cash by means of a card used for depositing or dispensing cash, wherein the card is for normal use. A card, or an input / output unit for storing information on whether the card is an emergency card in the card or the center, a screen display to a user and an input from the user, and a card reading unit for reading the card. A communication means for communicating the contents of the card read by the card reading means to the center via the network line; a deposit and withdrawal means for depositing and withdrawing after communication by the communication means; And a control means for performing transaction processing with the center. 5. The cash transaction apparatus according to claim 4, wherein the control means performs control not to collate a password when an object to be processed is an emergency card. . 6. The cash transaction apparatus according to claim 4, wherein when the processing target is an emergency card, control is performed to delay the transaction processing of said control means from a normal processing time. Cash transaction equipment.