JP2001155221A - Method for recognizing identity of holding card - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide the identity recognizing method of a holding card in which operability is improved when the card held in an automatic transaction device is returned by an instruction from a concentrated monitoring system and time required when the card is returned to a customer is shortened. SOLUTION: When the card is returned from the automatic transaction device 2 by the instruction from the concentrated monitoring system 4, card embossment information of the returned card is obtained from the automatic transaction device 2 and the identity of the card is recognized based on card embossment information.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

[0001] The present invention relates to, for example, a plurality of A
ATM (Automatic Teller's Machine): A system that centrally monitors automatic transaction equipment (hereinafter referred to as ATM) such as a CD (Cash Dispenser) and a CD (Cash Dispenser) by a monitoring center or the like. It relates to a method of verifying the identity when returning a remaining card.

[0002]

2. Description of the Related Art FIG. 3 is an explanatory diagram for explaining a conventional identity verification method. In the figure, 10 is a host computer such as a bank, 11 is an ATM, 12 is a plurality of ATMs 1
A monitoring center 13 for centrally monitoring 1 and the like, a central monitoring system 13 installed in the monitoring center 12 for centrally monitoring the ATM 11 and the like, and a host computer 10
Is an information terminal for inquiring about the account name and the like, and the host computer 10, the ATM 11, and the monitoring center 12 are connected online.

Conventionally, for example, when a card is ejected from the ATM 11 and is not received for one minute or more, the ATM is used.
When it is determined that the card 11 has not been received, the card is held in the ATM 11. Then, the ATM 11 holding the card holds the card, enters a state of suspension of use, and stops subsequent transactions.

[0004] When a card is held in the ATM 11, if the card is held in a manned store and the store is open during business hours, a customer who has forgotten to pick up the card makes an inquiry using the telephone provided at the ATM 11 or an inquiry at a store window. The customer confirms whether the customer is the card owner or not and checks ATM 11
Removes the held card from the customer and returns the card to the customer. In the case of a manned store outside the business hours of a store, or in the case of an unmanned store, a failure of the ATM 11 or an ATM
The monitoring center 12 performs all responses by a telephone or the like provided in the computer 11.

A description will now be given of identity verification at the time of returning a card taken in and held in the ATM 11 in a manned store outside the business hours of a store or in an unmanned store. ATM1 whose card has been suspended and its use has been discontinued in a manned store outside business hours or in an unmanned store
From 1, when the card taken in the ATM 11 and held is returned to the customer according to an instruction from the monitoring center 12 or the like, only information such as a bank name code, a branch name code, and an account number is recorded on the magnetic stripe of the card. Since the monitoring center 12 has not performed the above processing, the person in charge of the monitoring center 12 uses the account number on the magnetic stripe of the card transmitted from the ATM 11 when the card is loaded from the ATM 11 to the information terminal 1.
4 to check the account name with the host computer 10 such as a bank, and confirm whether or not the customer is the card owner based on the account number and the account name.

[0006]

However, in the conventional identity verification method as described above, the ATM 11 whose card has been suspended and whose use has been discontinued is transferred from the ATM 11 to the monitoring center 12 where the card which has been taken in and retained by the ATM 11 has been suspended. When returning the card to the customer in accordance with an instruction from the monitoring center 12 or the like, the person in charge of the monitoring center 12 must use the information terminal 5 every time the card is returned in order to obtain the account name for confirming the identity of the card when returning the card. Must be operated to inquire the account name from the account number to the host computer 10 such as a bank, and the operation and time are not satisfactory.

[0007]

SUMMARY OF THE INVENTION According to the present invention, there is provided a method for verifying the identity of a held card according to the present invention. When returning a card from an automated teller machine in accordance with an instruction from a centralized monitoring system, obtain the card emboss information of the returned card from the automated teller machine,
The identity of the card is confirmed based on the card emboss information.

[0008]

DESCRIPTION OF THE PREFERRED EMBODIMENTS Embodiment 1 FIG. 1 is an explanatory diagram for explaining an identification method according to an embodiment of the present invention. In the figure, 1 is a host computer such as a bank, 2 is an ATM, 3 is a monitoring center for centrally monitoring a plurality of ATMs 2 and the like, and 4 is a centralized monitor installed in the monitoring center 3 for centrally monitoring the ATMs 2 and the like. A monitoring system, 5 is an information terminal for accessing the host computer 1,
Reference numeral 6 denotes an emboss reading unit which is installed in the ATM 2 and reads emboss information of a card. Reference numeral 7 denotes a display unit which is connected to the centralized monitoring system 4 and displays information from the ATM 2, and the host computer 1, the ATM 2 and the monitoring center 3 are online. Connected by

Next, the operation of this embodiment will be described. First, in the emboss reading section 6, the ATM
The card emboss information of the card inserted into the card 2 is read. As a method of reading the card emboss information by the emboss reading section 6, here, the inserted card is image-read by a camera, a line sensor, or the like. The emboss is read as an image, and the read image is used as card emboss information. By displaying the card emboss information based on this image on the display unit 7 of the centralized monitoring system 4, the card emboss information of the card can be read at the monitoring center 3.

[0010] Usually, information on the account number and account name of the card is described in the emboss of the card.
By reading the card emboss information, not only the account number information but also the account name information can be obtained only by the card emboss information. In addition,
Regarding the reading of the card emboss information, the card emboss information may be extracted as data from the read image instead of being read as an image and used as the card emboss information. The card emboss information may be read by any method as long as the emboss information can be extracted from the card.

[0011] Next, in the case of a manned store outside the business hours of the store or in the case of an unmanned store, the card that has been suspended and used has been monitored from the ATM 2 that has been suspended and used. The operation when returning to the customer in accordance with an instruction from the center 3 or the like will be described. FIG. 2 is a flowchart showing the operation of returning a card. First, A
If ATM2 determines that it has forgotten to receive the card, for example, if the card is not received for one minute or more after the card is ejected from TM2, the card is held in ATM2, and the ATM2 on which the card was held is held after holding the card. Use is suspended, and subsequent transactions are suspended. If a failure that the card is held occurs, A
The TM 2 transmits the fault information and the card emboss information read by the emboss reading unit 6 to the centralized monitoring system 4 of the monitoring center 3.

The monitoring center 3 receives the fault information transmitted from the ATM 2 by the centralized monitoring system 4 and the card emboss information read by the emboss reading section 6 and displays the information on the display section 7 for monitoring. Notify the person in charge of the center 3 to that effect. The display of the card emboss information on the display unit 7 is stored in a storage unit or the like inside the centralized monitoring system 4 so that it can be displayed at any time by the operation of the person in charge of the monitoring center 3.

When a customer who has forgotten to take a card makes an inquiry over the telephone provided in the ATM 2 and returns the card taken into the ATM 2 and held to the customer according to an instruction from the monitoring center 3 or the like, the card must first be held. A
It is determined whether the inquiry is from a telephone provided in the TM2 (S100), and the AT holding the card in S100.
If it is determined that the inquiry is not from the telephone provided in M2, the customer is guided to be inquired from the telephone provided in ATM2 holding the card, and S1 is issued.
Return to 00 (S101).

When it is determined in S100 that the inquiry is from a telephone provided in the ATM 2 holding the card, the monitoring center 3 displays the account number of the card held in the ATM 2 on the display unit 7 or the like. The card emboss information is displayed (S102). Then, the monitoring center 3 communicates with the customer who has forgotten the card while looking at the account number and card emboss information of the card displayed on the display unit 7, and obtains the account name and other information from the customer who has forgotten the card. Identity verification is performed based on information such as the date and time when the user has forgotten (S103). Then, as a result of the identity confirmation in S103, it is determined whether or not the customer is the owner of the held card (S104). If it is confirmed in S104 that the customer is the owner, the monitoring center 3 gives an instruction. Then, the held card is ejected from the ATM 2 and returned to the customer (S105).

As described above, in this embodiment, the ATM
When the card is put on hold at ATM 2, not only the magnetic stripe information of the card but also the emboss information of the card are transmitted from the ATM 2 to the monitoring center 3 side.
The account number and account name can be confirmed only by the information from M2, and there is no need to access the host computer 1 to confirm the account name of the card and check the account name. Work operability can be improved, and the time required to return the card to the customer can be reduced.

[0016]

As described above, according to the present invention, when returning a card from an automatic transaction apparatus according to an instruction from a centralized monitoring system, card emboss information of the returned card is obtained from the automatic transaction apparatus, and the card emboss information is obtained. Since the identity of the card is verified based on the information, the account number and the account name can be confirmed only with the information from the automatic transaction device, and the host computer is accessed to confirm the account name of the card. There is no need to check the account name, the operability of the confirmation work on the centralized monitoring system side can be improved, and the time required to return the card to the customer can be reduced.

[Brief description of the drawings]

FIG. 1 is an explanatory diagram for explaining an identification method according to an embodiment of the present invention;

FIG. 2 is a flowchart showing an operation of returning a card.

FIG. 3 is an explanatory diagram for explaining a conventional identity verification method.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Host computer 2 ATM 3 Monitoring center 4 Centralized monitoring system 5 Information terminal 6 Emboss reading part 7 Display part

Claims (4)

[Claims] 1. A personal identification method for returning a card held in an automatic transaction device in a centralized monitoring system that manages a plurality of automatic transaction devices according to an instruction from the centralized monitoring system, When returning a card from the automatic transaction device according to an instruction from the company, the card emboss information of the card to be returned is obtained from the automatic transaction device, and the identity of the card is confirmed based on the card emboss information. How to verify the identity of the card. 2. A personal identification method for returning a card held in the automatic transaction device in a centralized monitoring system for managing a plurality of automatic transaction devices according to an instruction from the centralized monitoring system, When the card is held, the card emboss information of the held card is read, the read card emboss information is transmitted to the centralized monitoring system, and the card is returned from the automatic transaction device according to an instruction from the centralized monitoring system. Performing the identification of the card based on the card emboss information transmitted from the automatic transaction apparatus. 3. A personal identification method for returning a card held in the automatic transaction device in a centralized monitoring system that manages a plurality of automatic transaction devices according to an instruction from the centralized monitoring system, When the card is held, the card emboss information of the held card is read, and the read card emboss information is transmitted to the centralized monitoring system together with the magnetic stripe information of the card. When the card is returned from the transaction apparatus, the identity of the card is confirmed based on the card emboss information and the magnetic stripe information transmitted from the automatic transaction apparatus. 4. The method of claim 1, 2 or 3, wherein the card emboss information is image information obtained by capturing the surface of the card as an image.