JP2001250151A - Automatic teller machine - Google Patents

Abstract

PROBLEM TO BE SOLVED: To carry out a transaction even if it is impossible to read data out of a medium such as a magnetic card. SOLUTION: When an account is opened, information needed to identify its user is registered on a host computer 10. When a transaction is carried out, data needed for authentication, such as a name and an address are received and a matching part 9 performs retrieval from the host computer 10 to allow the transaction to be carried out when the customer can be specified.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

[0001] The present invention relates to a magnetic card, an IC, and the like.
The present invention relates to an automatic transaction device that specifies a user based on information recorded in a card, a passbook, or the like, and performs processing.

[0002]

2. Description of the Related Art In an automatic transaction apparatus, information necessary for identifying a customer is recorded on a medium such as a magnetic card, an IC card, a passbook, etc., and when conducting a transaction, it is accepted according to the type of transaction. This information is read from the medium, a customer is specified, and processing is performed.

[0003]

Therefore, if information cannot be read from the medium, transactions cannot be performed even if the customer holding the medium is a legitimate customer. If the device cannot read information from the medium, the transaction can be performed by using another device or the like. However, if the cause is the medium, the transaction cannot be performed regardless of the device. In this case, it is necessary to go to the counter and request the re-issuing of the medium, and since the re-issuing takes a long time, it is impossible to conduct a transaction when necessary, and there is a problem that the number of counter operations increases.

[0004]

In order to solve the above-mentioned problems, the invention according to claim 1 includes a unit for registering information necessary for user collation in advance, taking in a medium, and reading and writing information. If you do business without installing,
An automatic transaction apparatus characterized by receiving information necessary for collation with the registered information, and continuing the transaction if a user can be identified as a result of the collation.

According to a second aspect of the present invention, the information necessary for user verification is registered in advance, and if the information necessary for identifying the user cannot be read from the medium held by the user, the registration is performed. An automatic transaction apparatus is characterized in that it receives information necessary for collation with certain information, and continues the transaction if the user can be identified as a result of the collation. According to a third aspect of the present invention, information necessary for user verification is registered in advance, and when information necessary for specifying the user cannot be read from a medium held by the user, the information is registered. An automatic transaction device that accepts information necessary for matching with information and, if the user can be identified as a result of the matching, rewrites the information necessary to identify the user and repairs the medium. is there.

According to a fourth aspect of the present invention, information necessary for user verification is registered in advance, and if the information required to identify the user cannot be read from the medium held by the user, the registration is performed. If the information necessary to identify the user is accepted, and if the user can be identified as a result of the comparison, write the necessary information to the new medium and issue it. It is an automatic transaction device characterized by the following.

According to a fifth aspect of the present invention, the information necessary for user verification is registered in advance, and if the information required to identify the user cannot be read from the medium held by the user, the registration is performed. If the user can be identified as a result of the collation, the information necessary to identify the applicable user can be rewritten, the medium can be repaired, and the information can be rewritten. If not, the automatic transaction apparatus is characterized in that information necessary for identifying the corresponding user is written in a new medium and issued.

[0008]

FIG. 1 is a block diagram showing a first embodiment of an automatic transaction apparatus according to the present invention. In the figure,
Reference numeral 1 denotes an automatic transaction device, which is configured by a combination of the following units. Reference numeral 2 denotes a control unit which controls each unit constituting the automatic transaction apparatus 1.

Reference numeral 3 denotes a power supply for supplying power to the automatic transaction apparatus 1. Reference numeral 4 denotes a coin processing unit which performs processing such as acceptance of coin insertion and discharge of coins to be paid, counting of inserted coins and coins to be paid, and reference numeral 5 denotes acceptance of bill insertion and discharge of bills to be paid, and bills inserted. And a bill processing unit that performs processing such as counting bills to be paid.

Reference numeral 6 denotes an operation panel for the customer to input information necessary for the transaction and to display the details of the transaction to the customer.
Reference numeral 8 denotes a receipt processing unit that prints a transaction content, date and time, etc., on a receipt to be passed to the customer, and 8 denotes a journal storage unit for keeping a record of the transaction at the financial institution. Reference numeral 9 denotes a collation unit that collates information required by the customer to identify the customer with information held by the financial institution, and verifies whether the customer is the principal.

Reference numeral 10 denotes a host computer, which is connected to the automatic transaction apparatus 1 having the above-described configuration via a communication line, exchanges data necessary for transactions with the automatic transaction apparatus 1, updates the balance that fluctuates due to the transaction, and the like. I do. The host computer 10 also registers information necessary for checking whether the customer is the principal at the time of opening an account. When data is exchanged between the host computer 10 and the automated teller machine 1, it is necessary to ensure that data cannot be easily decrypted from the outside, such as by encrypting the data for security. Needless to say.

Here, it is necessary to open an account with a financial institution prior to a transaction. At the time of opening an account, the financial institution assigns an account number to the address, name, telephone number, seal (imprint), personal identification number, etc., reported by the customer. , These addresses, names, telephone numbers, seals, personal identification numbers, and account numbers are registered.

FIG. 2 is a flowchart showing the flow of processing in the first embodiment. The operation of a withdrawal transaction by collation will be described. When the customer selects a withdrawal transaction by collation in the transaction selection on the operation panel 6 (SA1), the customer is prompted to input conditions necessary for collation (SA2). The conditions entered here are the address registered by the financial institution when opening the account,
One or more pieces of information that can identify the customer, such as name, telephone number, account number, etc. The collating unit 9 searches the host computer 10 based on the entered conditions, reads registered collation data, collates the conditions entered by the customer (SA3), and determines whether or not collation is possible (SA4).

[0014] If the collation fails in this judgment,
In order to notify the customer of this, the receipt processing section 7 prints the receipt on the receipt and issues it (SA5, 6), and ends the transaction. It should be noted that, in addition to the receipt, a message may be displayed on the screen of the operation panel 6 to notify the customer that there is no corresponding item as a result of the collation and the transaction cannot be performed. The SA
If the collation can be made in the judgment of 4, that is, if the customer can be specified, the system waits for the input of the personal identification number. When the customer enters a password from the operation panel 6 (SA7), the entered password is compared with the registered password of the customer specified under the entered conditions, and the entered password is entered. It is determined whether or not is correct (SA8).

If the entered password is incorrect, a request is made to re-enter a correct password (SA9). If the correct PIN is not entered even though the PIN has been entered a predetermined number of times, the customer will not be required to re-enter the PIN, but will notify the customer that the wrong PIN has been entered. The unit 7 prints the receipt on the receipt and issues it (SA5, 6), ending the transaction. It should be noted that, in addition to the receipt, a message may be displayed on the screen of the operation panel 6 to notify the customer that there is no corresponding item as a result of the collation and the transaction cannot be performed.

If the correct password is inputted in the judgment of SA8, the banknotes corresponding to the withdrawal request amount input by the customer are counted by the banknote processing section 5 (SA10), and the transaction contents are received by the receipt processing section 7. Is printed on the receipt (SA11). Then, the banknotes are paid out and the receipt is given (SA1
2, 13), end the transaction. Here, the above SA2
If a password is included as a condition when the condition is input, it is possible to omit the process of inputting and confirming the password after collation.

Further, in the dispensing and depositing, the conditions input in SA2 may be changed. In other words, in the case of withdrawals, at least your name,
You need to enter your address, phone number, account number, and password, but in the case of payment, it is unlikely that a third party will be misused.For example, by entering only your name and account number, The labor can be greatly reduced.

As described above, in the first embodiment of the present invention, the data necessary for the collation of the customer is registered at the time of opening the account at the financial institution, and the data required for the collation is provided to the customer at the time of the transaction. Request, and the entered data is collated with the previously registered collation data, so that the customer can be identified, so that the transaction can be performed without carrying a card or a passbook. It becomes possible.

Further, by performing verification using a combination of a plurality of data, personal verification can be performed with a considerably high probability, so that unauthorized transactions by third parties can be prevented. Further, since there is no need to mount a card processing unit or a passbook processing unit on the automatic transaction apparatus, it is possible to reduce the cost of the apparatus.
FIG. 3 is a block diagram showing a second embodiment of the automatic transaction apparatus of the present invention.

The automatic transaction apparatus according to the second embodiment has
A card processing unit 11 and a passbook processing unit 12 are added to the automatic transaction apparatus 1 according to the first embodiment shown in FIG. The card processing unit 11 performs processing such as reading and writing data of a magnetic card or an IC card. Passbook processor 1
Reference numeral 2 prints the transaction contents and the amount of money on the passbook, and performs processing such as reading and writing of magnetic data. The other configuration is the same as that of the first embodiment, so the same reference numerals are given and the description of the configuration is omitted here.

At the time of opening an account, these addresses, names, telephone numbers, seals, personal identification numbers, and account numbers are registered in the host computer 10 as data necessary for verification, as in the first embodiment. I do. FIG. 4 is a flowchart showing the flow of processing according to the second embodiment. The following describes a dispensing transaction using a magnetic card and the operation of the dispensing transaction by collation when magnetic data cannot be read.

When the customer selects a withdrawal transaction by selecting a transaction on the operation panel 6 (SB1), the customer is prompted to enter a card. When the card input is received, the card is inserted by the card processing unit 11 (SB2), the magnetic data is read (SB3), and it is determined whether or not the reading was successful (SB4). If reading is not successful in this determination, the customer is made to select whether or not to make a transaction by collation on the operation panel 6 (SB5). In this selection, if the customer selects not to perform the transaction by collation, or if the collation data has not been registered at the financial institution, the card is returned (SB6) and the transaction is terminated.

If the customer selects the continuation of the transaction by collation in the selection of SB5, the customer is prompted to input conditions necessary for collation (SB7). The conditions to be entered here are any one or a plurality of information that can identify the customer, such as the address, name, telephone number, account number, etc. registered on the financial institution side when the account was opened. In the second embodiment, the input condition includes a password. The collation unit 9 searches the host computer 10 based on the input conditions, reads registered collation data, collates the conditions entered by the customer including the password (SB8), and determines whether or not the collation is possible. (SB9).

If the result of this determination is that the collation cannot be performed,
In order to inform the customer of this, the receipt processing unit 7 prints the receipt and issues it (SB10, SB11).
The card taken in is returned (SB6), and the transaction ends. It should be noted that, in addition to the receipt, a message may be displayed on the screen of the operation panel 6 to notify the customer that there is no corresponding item as a result of the collation and the transaction cannot be performed.

If the collation can be made in the judgment of SB9, that is, if the customer can be specified and the password is correct, the bill processing unit 5 counts bills corresponding to the withdrawal request amount inputted by the customer. Then, the transaction contents are printed on the receipt by the receipt processing section 7 (SB13). And
The banknote is paid out and the receipt is handed, and the card is returned (SB14 to SB16), and the transaction is completed.

If the magnetic data is normally read in the determination at SB4, the system waits for the input of a password. When a password is input from the operation panel 6 by the customer (SB1)
7) The entered password is compared with the registered password of the customer specified by the magnetic data to determine whether the entered password is correct (SB1).
8).

If it is determined in this step that the input personal identification number is incorrect, a request is made to input a correct personal identification number (SB19). If the correct password is not input even though the password has been accepted a predetermined number of times, the card processing unit does not request re-input of the password but records that the wrong password has been entered. Processing such as writing predetermined magnetic data to the card taken in at step 11 is performed (SB20), and the card is returned (SB6), and the transaction is terminated.

If a correct password is entered in the determination at SB18, the bill processing unit 5 counts bills corresponding to the withdrawal request amount input by the customer (SB12), and the receipt processing unit 7 conducts the transaction. Is printed on the receipt (SB13).
In addition, the fact that the transaction has been successfully completed is written in the magnetic data of the card which is captured by the card processing unit 11 (SB2).
1) Pay out the bill and hand the receipt, return the card (SB14 to SB16), and end the transaction.

In the second embodiment, when a transaction is performed by collation, the magnetic data cannot be read normally. In this case, there is a possibility that the magnetic data cannot be written normally. Because there is, SB21
The processing step of writing in the magnetic data of the card that the transaction has been successfully completed is not performed. As described above, according to the second embodiment of the present invention, when magnetic data cannot be read normally in a transaction using a card,
Since it is possible to conduct transactions by collation, it is possible to conduct transactions using a medium such as a card as before, and
Even if the data on the medium or the medium itself is damaged, the transaction can be continued by collation.

As a result, a customer who does not register collation data can perform the same transaction as before and the customer service is not degraded. Can be continued even if it cannot be read normally, and customer service can be improved. Next, a third embodiment of the present invention will be described.

The hardware configuration of the automatic transaction apparatus according to the third embodiment is the same as that of the automatic transaction apparatus according to the second embodiment described with reference to FIG. 3, and a description thereof will be omitted. . At the time of opening an account, these addresses, names, telephone numbers, seals, personal identification numbers, and account numbers are registered in the host computer 10 as data necessary for verification, as in the case of the first embodiment.

FIG. 5 is a flow chart showing the flow of processing in the third embodiment. The operation of card recovery when magnetic data cannot be read in a dispensing transaction using a magnetic card will be described. When the customer selects a withdrawal transaction by selecting a transaction on the operation panel 6 (SC1), the customer is prompted to enter a card. When a card input is received, the card is inserted by the card processing unit 11 (SC2), magnetic data is read (SC3), and it is determined whether or not the reading was successful (SC4).

If the data cannot be read normally in this judgment, the operation panel 6 allows the user to select whether or not to rewrite the magnetic data by collation (SC5). If the customer selects not to perform rewriting by collation in this selection, the card is returned (SC6), and the transaction ends. When the customer selects to rewrite the magnetic data by collation in the selection of SC5, the customer is prompted to input conditions necessary for collation (SC7).

The conditions to be entered here include the address, name, telephone number, account number, etc., registered at the financial institution when the account was opened.
One or more pieces of information that can identify a customer.
Here, in the present embodiment, payment is described as an example,
For withdrawal and deposit, the conditions input in SC7 may be changed. In other words, in the case of withdrawal, at least the input of name, address, telephone number, account number and password is required to prevent misuse of third parties, whereas in the case of deposit, Since no abuse is conceivable, for example, by inputting only the name and account number, it is possible to greatly reduce the time and effort for inputting.

The collating unit 9 searches the host computer 10 based on the entered conditions, reads registered collation data, collates the conditions entered by the customer (SC8), and determines whether collation is possible (SC9). ). If the collation fails in this determination, the receipt processing unit 7 prints out the receipt and issues it (SC
10, SC11), return the card taken in (SC6), and end the transaction. It should be noted that, in addition to the receipt, a message may be displayed on the screen of the operation panel 6 to notify the customer that there is no corresponding item as a result of the collation and the transaction cannot be performed.

If the data can be collated by the judgment of SC9, that is, if the customer can be specified, the data is rewritten to the card in which the magnetic data taken in the card processing unit 11 cannot be read. Data necessary for rewriting is searched from the customer data specified by the condition input (SC12), and magnetic data is written by the card processing unit 11 (SC13). Then, it is determined whether or not the writing was performed normally (SC14). If the writing was not performed normally in this determination, the receipt processing unit 7 prints the receipt and issues it to notify the customer of the fact. (SC10, SC11), the taken card is returned (SC6), and the transaction ends. In addition,
In addition to the receipt, it is displayed on the screen of the operation panel 6,
The customer may be notified that the card cannot be repaired.

If the writing has been normally performed in the judgment of SC14, the card is returned (SC6), and the restoration process by rewriting the data of the card by collation is completed.
Here, as described above, when the card is rewritten by collation, the password is included in the condition by inputting the SC7, or the password is not included in the input condition.
After verifying in SC9, by adding a processing step for confirming the personal identification number, in addition to verifying the address and name, etc., and confirming the personal identification number, the card data can be illegally transmitted to a third party. It can be prevented from being rewritten into something.

If the magnetic data is normally read in the judgment of SC4, the system waits for the input of a password. When the customer inputs the password from the operation panel 6 (SC1)
5) Compare the entered password with the registered password of the customer specified by the magnetic data, and determine whether the entered password is correct (SC1).
6).

If it is determined that the input password is incorrect, a request is made to re-input a correct password (SC17). If the correct password is not input even though the password has been accepted a predetermined number of times, the card processing unit does not request re-input of the password but records that the wrong password has been entered. Processing such as writing predetermined magnetic data on the card taken in at step 11 is performed (SC18), and the card is returned (SC6), and the transaction is terminated.

If the correct password is inputted in the judgment of SC16, the bill corresponding to the withdrawal request amount inputted by the customer is counted by the bill processing unit 5 (SC19), and the receipt processing unit 7 conducts the transaction. Is printed on the receipt (SC20).
In addition, the fact that the transaction has been successfully completed is written in the magnetic data of the card which is captured by the card processing unit 11 (SC2).
1) Pay out the bill and hand the receipt, return the card (SC22 to SC24), and end the transaction.

In the third embodiment, a transaction by collation described in the second embodiment may be performed in parallel with a repair process by rewriting card data by collation. In other words, when the collation can be performed by the judgment of SC9, that is, when the customer can be specified, the password is input in the case where the password is confirmed at the time of the collation in parallel with the rewriting process described above. Without
If you have not verified your PIN at the time of verification,
After confirming the password, the banknote processing unit 5 counts the banknotes corresponding to the withdrawal request amount input by the customer (SC19),
The receipt processing unit 7 prints the transaction details on the receipt (S
C20). If it is determined in SC14 that the transaction has been successfully completed, the fact that the transaction has been successfully completed is written in the magnetic data of the card taken in by the card processing unit 11 (SC21), the bill is paid out, and the receipt is handed over. Return the restored card (SC22-2
4) End the transaction. As a result, it is possible to perform card repair and transaction at the same time.

As described above, in the third embodiment of the present invention, the data necessary for the verification of the customer is registered at the time of opening the account at the financial institution, and the magnetic data is obtained by the transaction using the card. If the data cannot be read normally, the customer is requested to enter data necessary for collation, and the entered data is collated with the previously registered collation data to identify the customer, The data on the card is rewritten using the data of the card, so if the data on the medium such as the card cannot be read due to a decrease in the data output level or erroneous erasure of the data, etc. Can be repaired. As a result, the card can be repaired even outside the office hours, and the number of window operations can be reduced.

If the magnetic data can be read normally in the transaction using the card, the transaction using the medium such as the card can be performed as before, and the collation data is registered. Customers who do not have the ability to conduct transactions as before, without deteriorating customer service, and customers who register collation data, in addition to conventional transactions, customers who collate data if media data can not be read correctly The media can be repaired by rewriting, and transactions can be made at that time or from the next time, thereby improving customer service.

Next, a fourth embodiment of the present invention will be described. The hardware configuration of the automatic transaction apparatus according to the fourth embodiment is the same as that of the automatic transaction apparatus according to the second embodiment described with reference to FIG. The card processing unit 11 in the automatic transaction apparatus according to the fourth embodiment is the same as the card processing unit 1 according to the second and third embodiments.
1 has a function of issuing a new card added thereto. In order to realize the function of issuing the new card, the card processing unit 11 includes a storage unit for storing a plurality of new cards, and a new card in the storage unit.
A mechanism for sending out to a transport path provided with a mechanism for reading and writing magnetic data, a mechanism for marking an emboss, and the like are provided.

At the time of opening an account, these addresses, names, telephone numbers, seals, personal identification numbers, and account numbers are registered in the host computer 10 as data necessary for verification, as in the case of the first embodiment. I do. FIG. 6 is a flowchart showing the flow of processing in the fourth embodiment. The operation of reissuing a card when magnetic data cannot be read in a dispensing transaction using a magnetic card will be described.

When the customer selects a withdrawal transaction by selecting a transaction on the operation panel 6 (SD1), the customer is prompted to enter a card. When a card input is received, the card is inserted by the card processing unit 11 (SD2), the magnetic data is read (SD3), and it is determined whether or not the reading was successful (SD4). If the card cannot be read normally in this judgment, the operation panel 6 is used to select whether or not to reissue the card by collation (SD5). If the customer selects not to reissue the card by collation in this selection, the card is returned (SD6) and the transaction is terminated.

If the customer selects to reissue the card by collation in the selection of SD5, the customer is prompted to input conditions necessary for collation (SD7). The conditions entered here are the address, name,
One or more pieces of information that can identify a customer, such as a telephone number and an account number. Here, in the present embodiment, the dispensing is described as an example, but for dispensing and depositing, the conditions input in SD7 may be changed. In other words, in the case of withdrawal, at least the input of name, address, telephone number, account number and password is required to prevent misuse of third parties, whereas in the case of deposit, Since no abuse is conceivable, for example, by inputting only the name and account number, it is possible to greatly reduce the time and effort for inputting.

The collating unit 9 searches the host computer 10 based on the entered conditions, reads registered collation data, collates the conditions entered by the customer (SD8), and determines whether or not collation is possible (SD9). ). If the collation fails in this determination, the receipt processing unit 7 prints the receipt and issues it to notify the customer (SD)
10, SD11), return the card taken in (SD6), and end the transaction. It should be noted that, in addition to the receipt, a message may be displayed on the screen of the operation panel 6 to notify the customer that there is no corresponding item as a result of the collation and the transaction cannot be performed.

If the data can be collated by the judgment of SD9, that is, if the customer can be specified, the data necessary for issuing the new card is written from the data of the customer specified by the condition input in order to write the data to the new card. Search (SD
12), a new card is taken out by the card processing unit 11, and magnetic data is written (SD13). Then, it is determined whether or not writing to the new card has been performed normally (SD
14) If the writing is not successful in this judgment, the receipt processing unit 7 prints it on a receipt and issues it to notify the customer (SD10, SD1).
1) Return the card taken in (SD6) and end the transaction. In addition, not only the receipt but also a message may be displayed on the screen of the operation panel 6 to notify the customer that the card cannot be reissued.

If the writing is normally performed according to the judgment of SD14, the card from which the data could not be read is taken into a storage unit or the like of the card processing unit 11 for storing a card that has been forgotten, and only a new card is stored. Return (SD
6), the reissue processing of the card data by collation ends. Here, as described above, when the card is reissued by collation, the password is included in the condition of the input of the SD7, or the password is not included in the condition of the input and the collation is OK in the SD9. Later, by adding a processing step to confirm the PIN, in addition to verifying the address and name, etc., by confirming the PIN, it is possible that a third party will be illegally reissued the card. Can be prevented.

If the magnetic data can be read normally in the judgment of SD4, input of a password is awaited. When a password is input from the operation panel 6 by the customer (SD1
5) Compare the inputted password with the registered password of the customer specified by the magnetic data and determine whether the inputted password is correct (SD1).
6).

If it is determined that the input personal identification number is incorrect, a request is made to input a correct personal identification number (SD17). If the correct password is not input even though the password has been accepted a predetermined number of times, the card processing unit does not request re-input of the password but records that the wrong password has been entered. Processing such as writing predetermined magnetic data to the card taken in at step 11 is performed (SD18), and the card is returned (SD6) to end the transaction.

If the correct password is inputted in the judgment of SD16, the banknotes corresponding to the withdrawal request amount inputted by the customer are counted by the banknote processing section 5 (SD19), and the transaction contents are received by the receipt processing section 7. Is printed on the receipt (SD20).
Also, the fact that the transaction has been successfully completed is written into the magnetic data of the card captured by the card processing unit 11 (SD2).
1) Pay out the bill and hand the receipt, return the card (SD22 to SD24), and end the transaction.

In the fourth embodiment, a transaction by matching described in the second embodiment may be performed in parallel with a card reissuing process by matching. In other words, when the collation could be made by the judgment of SD9, that is, when the customer could be identified, the password was confirmed at the time of the collation in parallel with the above-mentioned card reissue processing, and the password was changed. If the input is not received and the password is not confirmed at the time of verification, the password is confirmed by the banknote processing unit 5 after the password is confirmed and the banknote corresponding to the withdrawal request amount input by the customer is counted. (SD19) The receipt processing unit 7 prints the transaction details on the receipt (SD20). If the writing to the new card is performed normally in the determination of SD14, the fact that the transaction has been successfully completed is written to the magnetic data of the new card by the card processing unit 11 (SD
21), pay out the bills, hand the receipt, return the new card (SD22 to SD24), and end the transaction. As a result, it is possible to simultaneously perform the card reissuance and the transaction.

As described above, in the fourth embodiment of the present invention, data necessary for collation of a customer is registered at the time of opening an account at the financial institution side, and magnetic data is stored in a transaction using a card. If the data cannot be read normally, the customer is requested to enter data necessary for collation, and the entered data is collated with the previously registered collation data to identify the customer, Since the card is reissued using the data, the card can be newly issued without going to the window when the medium itself such as the card is damaged and the data cannot be read. As a result, the card can be reissued even outside the business hours of the counter, and the counter business can be reduced.

If the magnetic data can be read normally in the transaction using the card, the transaction using the medium such as the card can be performed as before, and the collation data is registered. Customers who do not have the ability to conduct transactions as before, and customer service will not be degraded, and customers who register collation data, in addition to conventional transactions, collate media if collation data can not be read normally. Once reissued, transactions can be made at that point or from the next time, improving customer service.

Next, a fifth embodiment of the present invention will be described. The hardware configuration of the automatic transaction apparatus according to the fifth embodiment is the same as that of the automatic transaction apparatus according to the fourth embodiment. That is, except for the card processing unit 11, the automatic transaction device according to the second embodiment described with reference to FIG. 3 is the same as the automatic transaction device according to the fifth embodiment. A function of issuing a new card is added to the function of the card processing unit 11 according to the third embodiment.
As in the case of the embodiment, the host computer 10
Then, these addresses, names, telephone numbers, seals, personal identification numbers, and account numbers are registered as data necessary for verification.

FIG. 7 is a flowchart showing the flow of processing according to the fifth embodiment. The operation of card recovery or card reissuing when magnetic data cannot be read in a dispensing transaction using a magnetic card will be described. I do. When a customer selects a withdrawal transaction by selecting a transaction on the operation panel 6 (SE
1) Prompt the customer to enter a card. When a card input is received, this is inserted in the card processing unit 11 (SE
2) The magnetic data is read (SE3), and it is determined whether or not the reading was successful (SE4).

If it is determined that the card cannot be read normally, the operation panel 6 is used to select whether or not to reissue the card by collation (SE5). If the customer selects not to reissue the card by collation in this selection, the card is returned (SE6), and the transaction ends. If the customer selects to reissue the card by collation in the selection of SE5, the customer is prompted to input conditions necessary for collation (SE7).

The conditions entered here include the address, name, telephone number, account number, etc. registered by the financial institution when the account was opened.
One or more pieces of information that can identify a customer.
Here, in the present embodiment, payment is described as an example,
In the case of withdrawal and deposit, the conditions input in SD7 may be changed. In other words, in the case of withdrawal, at least the input of name, address, telephone number, account number and password is required to prevent misuse of third parties, whereas in the case of deposit, Since no abuse is conceivable, for example, by inputting only the name and account number, it is possible to greatly reduce the time and effort for inputting.

The collation unit 9 searches the host computer 10 based on the input conditions, reads registered collation data, collates the conditions entered by the customer (SE8), and determines whether or not collation is possible (SE9). ). If the collation fails in this determination, the receipt processing unit 7 prints the receipt and issues it to notify the customer (SE)
10, SE11), the card taken in is returned (SE6), and the transaction is terminated. It should be noted that, in addition to the receipt, a message may be displayed on the screen of the operation panel 6 to notify the customer that there is no corresponding item as a result of the collation and the transaction cannot be performed.

In the case where the collation could be made in the judgment of SE9, that is, the customer could be specified, first, the card processing unit 1
In order to rewrite data on the card in which the magnetic data taken in 1 cannot be read, data necessary for rewriting is searched from the customer data specified by the condition input (SE12), and the card processing unit At 11, magnetic data is written (SE13). Then, it is determined whether or not the writing has been normally performed (SE14). If the writing has been normally performed, the card is returned (SE6), and the restoration process by rewriting the data of the card by collation is completed.

If the writing is not performed normally in the determination of SE14, it is determined that the data cannot be rewritten due to the damage of the card itself, and the data is written to the new card. Search for data necessary for issuing a new card from the customer data (SE
15) The card processing unit 11 takes out a new card and writes magnetic data (SE16). Then, it is determined whether or not writing to the new card has been performed normally (SE
17) If the writing is not successful in this determination, the receipt processing unit 7 prints the receipt and issues it to notify the customer (SE10, SE1).
1) Return the card taken in (SE6) and end the transaction. In addition, not only the receipt but also a message may be displayed on the screen of the operation panel 6 to notify the customer that the card cannot be repaired or reissued.

If the writing is performed normally in the above-mentioned SE17, the card from which the data cannot be read or written is taken into a storage unit or the like for storing the forgotten card of the card processing unit 11 and a new card is stored. Is returned (SE6), and the reissue process of the card data by collation is completed. Here, as described above, in the case where the card cannot be repaired or repaired by collation, if the card is to be reissued, a password is included in the condition by inputting the SE7, or a password is included in the input condition. In addition, after verifying in SE9, a processing step for confirming the password is added, for example, by adding a processing step for confirming the password. It is possible to prevent data from being rewritten or being reissued.

If the magnetic data is normally read in the judgment of SE4, the input of the password is awaited. When a password is input from the operation panel 6 by the customer (SE1)
8) Compare the input password with the registered password of the customer specified by the magnetic data and determine whether the input password is correct (SE1).
9).

If it is determined that the input personal identification number is incorrect, a request is made to input a correct personal identification number (SE20). If the correct password is not input even though the password has been accepted a predetermined number of times, the card processing unit does not request re-input of the password but records that the wrong password has been entered. Processing such as writing predetermined magnetic data on the card taken in at step 11 is performed (SE21), and the card is returned (SE6) to end the transaction.

If the correct password is inputted in the judgment of SE19, the bill corresponding to the withdrawal request amount inputted by the customer is counted by the bill processing unit 5 (SE22), and the receipt processing unit 7 conducts the transaction. Is printed on the receipt (SE23).
In addition, the fact that the transaction has been successfully completed is written into the magnetic data of the card captured by the card processing unit 11 (SE2).
4), paying out the bills, handing the receipt, returning the card (SE25 to 27), and ending the transaction.

In the fifth embodiment, if the card is repaired by collation and the card cannot be restored, the transaction by collation described in the second embodiment may be performed in parallel with the process of reissuing the card. Good. In other words, when the collation could be made in the judgment of SE9, that is, when the customer could be identified, the password was confirmed at the time of the collation in parallel with the above-mentioned card restoration and the reissue processing in the case where the restoration was impossible. If not, do not receive the PIN, and if the PIN has not been confirmed at the time of verification, confirm the PIN and then insert the banknote corresponding to the withdrawal request amount entered by the customer. The counting is performed by the bill processing unit 5 (SE22), and the transaction contents are printed on the receipt by the receipt processing unit 7 (SE2).
3). Then, if the writing to the card is performed normally in the judgment of SE14 or SE17, the fact that the transaction has been normally completed is written in the magnetic data of the card by the card processing unit 11 (SE24), the bill is paid out and the receipt is made. And return the new card (SE25 ~
27), end the transaction. Thereby, it becomes possible to repair or reissue the card and to perform the transaction at the same time.

As described above, in the fifth embodiment of the present invention, data necessary for collation of a customer is registered at the time of opening an account at a financial institution, and magnetic data is stored in a transaction using a card. If the data cannot be read normally, the customer is requested to enter data necessary for collation, and the entered data is collated with the previously registered collation data to identify the customer, If the card cannot be repaired using the data from the card, and the card cannot be repaired, a new card will be issued, so the medium itself such as a card can be used, but the data output level will decrease. If the data becomes unreadable due to accidental erasure of data or the like, it is repaired so that the medium can be used again, and the medium itself is damaged, making it impossible to reuse it. If can issue a new card. And in any case, without going to the window,
The process is completed by the operation of the automatic transaction. As a result, the card can be repaired or reissued even outside the business hours of the counter, and the counter business can be reduced. If the card can be reused, it is utilized and a new card is issued only when the card cannot be reused. Therefore, useless issuance of a new card can be prevented and cost can be reduced.

If the magnetic data is normally read in the transaction using the card, the transaction using the medium such as the card can be performed as before, and the collation data is registered. Customers who do not have the ability to conduct transactions as before, without deteriorating customer service, and customers who have registered collation data, in addition to conventional transactions, collation if media data can not be read normally If restoration or restoration is not possible, it will be reissued and transactions will be possible at that time or from the next time, improving customer service.

In the first to fifth embodiments of the present invention described above, the case of withdrawal transactions in an automatic transaction apparatus using a magnetic card has been mainly described, but the apparatus, medium, and transaction contents are not limited to this. It can be applied, not done. For example, using a magnetic medium or an IC card, such as an automatic ticketing machine, an automatic payment machine, or an information terminal, the medium is not disposable but reads and writes data at least twice, and has an ID-like role in magnetism and IC. Information is recorded and used for reading and writing.When each terminal is connected to a host computer or the like that can hold data necessary for verification and can communicate, when data cannot be read from the medium, Transactions, media recovery, and even reissuing are possible.

As for the medium, in addition to the magnetic card, a passbook, an IC card, a transfer card, a point card,
As long as information is recorded by magnetism or IC, such as a ticket, the present invention can be applied.

[0073]

As described above, according to the present invention, information necessary for user verification is registered in advance, and at the time of a transaction, information required for verification with the registered information is received. As a result of the collation, if the user can be specified, the transaction is continued. Therefore, even if the medium cannot be used because the information on the medium is damaged, the transaction is possible.

The information necessary for collation with the registered information is information that can be input with a keyboard or the like, so that the user can be collated without adding hardware. In addition, the present invention registers information necessary for user collation in advance, and if information necessary for identifying a user cannot be read from a medium held by the user, the registered information Accepts the information necessary for matching with
As a result of the collation, if the user can be identified, the media is repaired or reissued using the information necessary to identify the relevant user. The media can be repaired or reissued.

[Brief description of the drawings]

FIG. 1 is a block diagram showing a first embodiment of an automatic transaction apparatus according to the present invention.

FIG. 2 is a flowchart showing the flow of processing according to the first embodiment;

FIG. 3 is a block diagram showing a second embodiment of the automatic transaction apparatus of the present invention.

FIG. 4 is a flowchart showing a flow of processing according to the second embodiment;

FIG. 5 is a flowchart showing a flow of processing according to a third embodiment;

FIG. 6 is a flowchart showing a flow of processing according to a fourth embodiment;

FIG. 7 is a flowchart showing the flow of processing according to a fifth embodiment;

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Automatic transaction device 9 Collation part 10 Host computer

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G07F 7/08 G07F 7/08 M

Claims (5)

[Claims] 1. When information necessary for user collation is registered in advance, and a transaction is performed without loading a medium and loading / unloading a unit for reading / writing information, the user is required to register the information with the registered information. An automatic transaction apparatus which receives information necessary for collation, and continues the transaction if the user can be identified as a result of the collation. 2. Information required for user verification is registered in advance, and if the information required to identify the user cannot be read from the medium held by the user, the registered information and An automatic transaction apparatus characterized by receiving information necessary for collation, and continuing the transaction if a user can be identified as a result of the collation. 3. The information necessary for user verification is registered in advance, and if the information required to identify the user cannot be read from the medium held by the user, the registered information and An automatic transaction apparatus for receiving information necessary for collation of a document and, if the user can be identified as a result of the collation, rewriting information necessary for identifying the user and restoring the medium. 4. Registering information necessary for user collation in advance, and if the information necessary to identify the user cannot be read from the medium held by the user, the registered information is referred to as the registered information. Automatic transaction characterized by accepting the information necessary for the verification of the user and, if the user can be identified as a result of the verification, writing and issuing the information necessary to identify the relevant user on a new medium apparatus. 5. Information required for user verification is registered in advance, and if the information required to identify the user cannot be read from the medium held by the user, the registered information is referred to as the registered information. If the user can be identified as a result of the collation, the information necessary to identify the user can be rewritten to repair the medium.If the information cannot be rewritten, a new An automatic transaction apparatus characterized in that information necessary for identifying a corresponding user is written and issued in a simple medium.