JP2001338150A - Portable terminal, automatic transaction machine and automatic transaction system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To prevent leakage of transaction information to a third party when a user uses an automatic transaction machine. SOLUTION: A portable terminal 10 is provided as a display input means of the automatic transaction machine 1, a head mount display 8 is separated and made to be independent from a main body part of the automatic transaction machine on its display part by using a joystick 9 in an input part and a radio communication function is further provided to the portable terminal 10 and the automatic transaction machine 1. In addition, a portable terminal storage part 11 is provided to the automatic transaction machine 1 so as to lend the portable terminal to the user by opening the portable terminal storage port when the automatic transaction machine 1 detects the user. Thus, secrecy of the transaction information to the third party is enhanced.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

[0001] The present invention relates to an automatic teller machine.
e: Hereinafter, an automatic transaction device that automatically performs a transaction process such as cash with a user, such as a cash dispenser (hereinafter, abbreviated as a CD), such as a cash dispenser (hereinafter abbreviated as a CD), and keeps the transaction contents of the user confidential. The present invention relates to an automatic transaction apparatus suitable for performing the above.

[0002]

2. Description of the Related Art Conventionally, when a depositing / dispensing operation is performed by an automatic transaction apparatus, a user makes a transaction by using a touch panel or a button provided on the apparatus. As a result, the contents of the transaction can be seen by a third party around the automated teller machine,
There was a problem in maintaining confidentiality and security, such as the possibility that a password could be detected from the movement of the finger. For this reason, a polarizing sheet that allows light to pass only in the direction of the user's line of sight is provided on the touch panel, such as an “automatic transaction device” described in Japanese Patent Application Laid-Open No. 5-334527, A solution by hardware, such as providing, and a solution by software, such as a "password input device" described in JP-A-6-318186, in which an input key display position on a touch panel is constantly moving are disclosed. Have been.

[0003]

In the prior art, the touch panel and buttons provided on the apparatus are directly operated by a finger or the like. Therefore, when the apparatus is installed in a retail store such as a convenience store or the like, it is used in a bank office. It is difficult to maintain confidentiality because the operation area that has been obtained cannot be expected and the location of the third party is inevitably approaching the automatic transaction apparatus.

[0004]

In order to achieve the above object, the present invention is a portable terminal device capable of communicating with an automatic transaction device, comprising a head-mounted display, a joystick connected to the head-mounted display, and storage means. , Communication means, control means, the head-mounted display displays transaction guide information and the like sent from the automatic transaction device to the communication means under the control of the control means, the joystick is a user of the The information displayed on the head mounted display is selected according to the operation, the communication means sends the selected information to the automatic transaction apparatus under the control of the control means, and the storage means stores the information in the automatic transaction apparatus. The electronic money sent to the communication means from is stored under the control of the control means. Further, it is an automatic transaction device having a communication means for communicating with the portable terminal device described above, which has a portable terminal storage port in which the portable terminal device is installed, performs a card accepting process, and According to the stored contents, the user ID of the card user is written in the portable terminal device, the portable terminal storage opening is opened, and the portable terminal device can be lent. Further, the present invention is an automatic transaction system including the portable terminal device described above and an automatic transaction device installed in a store having communication means for communicating with the portable terminal device, wherein the portable terminal device is provided by a user. The amount withdrawn by the withdrawal process for the automatic transaction device using a portable terminal device is stored as electronic money in the storage means of the portable terminal device, and when a user purchases a product in a store using the electronic money, By communicating with a POS terminal in the store in accordance with the operation of the user, a product purchase process using the electronic money is performed.

[0005]

An embodiment of the present invention will be described below with reference to the drawings. FIG. 2 is a conceptual diagram of a network in which the automatic transaction apparatus of the present invention is used. An ATM or a CD as the automatic transaction apparatus 1 is installed in a retail store 33 such as a convenience store, and a financial institution network 31 is connected through a dedicated line 32. Is connected to the user and makes a deposit / withdrawal transaction with a user who has visited the retail store 33. FIG. 1 is an external perspective view of an automatic transaction apparatus 1 according to the present invention, which includes a card / invoice slip entrance / exit 2, a coin entrance / exit 3, a user detection sensor 4, a passbook entrance / exit 5, a bill entrance / exit 6, a foreign matter return port 7, and a portable terminal 10. , And a portable terminal storage 11. The portable terminal 10 includes a head-mounted display 8 and a joystick 9 and is installed in a portable terminal storage 11. The joystick 9 has a lever 9a and an enter button 9b. The main body of the automatic transaction apparatus 1 and the portable terminal 10 may be connected by a cable to exchange information by wire, and may be transmitted and received to and from both the main body of the automatic transaction apparatus 1 and the portable terminal 10 as described below. Means and a transmitting / receiving antenna may be provided to exchange information wirelessly. The transmission and reception of information between the head-mounted display 8 and the joystick 9 may be performed by either an electrical connection method using a cable or a wireless connection method using infrared rays or radio waves as shown in the figure.

FIG. 3 is a hardware configuration diagram of the automatic transaction apparatus 1. The portable terminal 10 includes a transmitting / receiving antenna a1.
2, transmission / reception means a13, display means 14, input means 15,
It is composed of storage means a16 and control means a17. The automatic transaction apparatus body includes a transmitting / receiving antenna b18, a transmitting / receiving means b19, a passbook mechanism 20, a card mechanism 21, a bill handling mechanism 22, a coin handling mechanism 23, and a voice output means 2.
4. The storage unit b25, the network connection unit 26, and the control unit b27. The portable terminal 10 has a display means 14 for providing information to a user of the automatic transaction apparatus 1. The user can input a desired transaction from a transaction menu displayed on the display means 14 by an input means 15.
To start deposit / withdrawal transaction. Fig. 4 shows the transaction menu 1
Here is an example. The transaction content selected here is determined by the control means a1.
7 transfers information to the control means b27 of the automatic transaction apparatus 1 via the transmission / reception means b13 and b19 via the transmission / reception means a13 and the transmission / reception antenna a12. The main body of the automatic transaction apparatus 1 transfers the transaction information to the network 31 of the financial institution by the network connection means 26 and performs the collation. The matching result is received by the control means b27 via the network connection means 26, and the automatic transaction apparatus 1 conducts a transaction with the user according to the matching result. In some cases, a plurality of portable terminals 10 used here are connected to one automatic transaction apparatus 1. In this case, an identification code is provided for each portable terminal 10 and parallel processing is performed by the control means b27 so that no crosstalk occurs. I do.

FIG. 7 shows a portable terminal 1 of the automatic transaction apparatus 1.
0 Lending flow is described. When a user stands in front of the automatic transaction apparatus 1, the user is detected by the user detection sensor 4 (S1),
The user is guided using a sound and a lamp to insert a cash card into the card / description doorway 2 (S
2). When the insertion of the cash card is detected (S4), a reception process is performed (S5), the portable terminal storage opening 11 is opened (S6), and the portable terminal 10 is lent to the user (S7).

[0008] Portable terminal 1 will be described with reference to Figs.
The payout process at 0 will be described. When the card receiving process (S5) is performed in the automatic transaction device 1, user information is written in the portable terminal 10 (S26). here,
The user information is a user ID, for example, a user account number is used. When the user mounts the lent portable head 10 on the head (S27), a transaction selection screen as shown in FIG. 4 is displayed on the head mounted display 8 (S2).
8). Note that the head mounted display 8 is provided with a unit for detecting attachment to the head. The user operates the lever 9a attached to the joystick 9 right and left and up and down to select a target transaction item, here a "drawer" 28 from a menu, and presses the determination button 9b provided on the joystick 9 Then, a withdrawal process is selected (S29), and the return of the terminal is determined (S30).
Therefore, the process proceeds to the withdrawal process shown in FIG.

When the "drawer" 28 is selected, the portable terminal 10 displays a password input screen (S33).
The user operates the lever 9a of the joystick 9 and the enter button 9b in the same manner as when the transaction item is selected, and inputs a password (S34). The input password is collated with the automatic transaction apparatus 1 (S35). If the collation result is correct (S36), a withdrawal amount input screen is displayed (S37). When it is detected that the amount required by the user has been input by operating the joystick 9 (S38), a screen for confirming whether or not the input amount is correct is displayed (S39), and the confirmation by the user operates the joystick 9. At that point (S40), a withdrawal request is made to the automated teller machine 1 (S41), and the portable terminal 1
No. 0 receives electronic money from the principal account via the automatic transaction device 1 (S42). The received electronic money is written in the storage means a16 of the portable terminal 10 (S4
3), end the withdrawal process.

When the withdrawal process is completed, the process returns to the display of the transaction menu (S28), and after the transaction selection screen is displayed again on the head-mounted display 8, stands in front of the automatic transaction device 1 and from the menu, returns the terminal. When 30 is selected, the portable terminal storage 11 of the automatic transaction apparatus 1
Opens. Upon detecting that the user has returned the portable terminal 10 to the portable terminal storage 11 (S31), the returned portable terminal 10 immediately transfers the data stored therein to the automatic transaction apparatus 1 (S32). The process as the portable terminal 10 ends.

Next, the receiving process of the portable terminal 10 in the automatic transaction apparatus 1 will be described with reference to FIGS. When the automatic transaction device 1 receives from the portable terminal 10 that the "return of terminal" 30 has been selected (S3),
Proceeding to process B of FIG. 8, the portable terminal storage opening 11 is opened (S8), and the portable terminal 10 is waited for being returned (S9). When the return of the portable terminal 10 is detected, the portable terminal 10 is transmitted. The transaction information is received (S10). It is confirmed that the transaction information does not include the purchased item at the retail store 33 (S11), the printing process of the usage statement (S12), the counting of the payment amount, and the transporting process (S1).
3), a card / specification receipt guiding process (S14), a card / specification receipt confirmation (S15), a bill receiving guidance process (S16), a bill receipt confirmation (S17) by voice / lamp, etc. The transaction processing of the withdrawal ends.

Subsequently, using the electronic money remitted to the portable terminal 10 with reference to FIGS.
A description will now be given of the purchase processing of a product in. After the withdrawal process is completed on the portable terminal 10, a transaction menu screen is displayed (S28). Then, when "shop at store" 29 is selected from the menu, the retail store 33 is selected.
Then, connection to the POS terminal installed in the portable terminal is enabled, the process proceeds to the portable terminal shopping flow of FIG. 12, and a shopping screen is displayed (S44). When shopping at the store is selected on the shopping screen, the portable terminal 10 is connected to the POS terminal, and the portable terminal 10 detects that it is connected to the POS terminal (S45). When not shopping, press the cancel button on the shopping screen. The user
When an item is purchased at the store, the amount entered by the clerk at the POS terminal is sent from the POS terminal to the portable terminal 10, and the portable terminal 10 captures the purchase amount (S46).
The acquired product purchase price is compared with the electronic money extracted in the pre-processing (S47). If the product purchase price is smaller, the product purchase price is written in the storage means a16 (S48), and the transaction menu shown in FIG. Return to the display (S28) state. If the purchase price of the product is larger, an error process (S49) due to the shortage of the price is performed, and the process returns to the display of the transaction menu in FIG. 10 (S28).

As in the above-described payout process, when the portable terminal 10 is returned from the user, the automatic transaction apparatus 1 receives the transaction information transmitted from the portable terminal 10 (S10), and purchases the goods at the store. It is determined whether or not there is, and since there is a product purchase at the store, the flow proceeds to the process C in FIG. 9, and among the written electronic money, the product purchase amount is remitted to the store account (S18). In addition, the balance calculated by subtracting the product purchase amount from the withdrawal amount is calculated (S19), and the withdrawal process is started as the amount to be paid out from the automatic transaction apparatus 1.
Thereafter, the printing process of the usage statement (S20), the counting of the amount of payment, the transport process (S21), the process of guiding the receipt of the card / specification by voice / lamp (S22), and the confirmation of the receipt of the card / specification (S23) , The bill receiving guidance process (S24), the bill receiving confirmation (S25),
The settlement / deposit / withdrawal processing of the product at the retail store ends.

Next, an embodiment in which a portable telephone is used as the portable terminal 10 will be described. FIG. 5 shows a portable terminal 1 using a mobile phone 34 owned by the user.
0, and the mobile phone 34
By being connected to the adapter 36 via 5, 37, the portable terminal 10 has a function. FIG. 6 is a hardware configuration diagram of the portable terminal 10 using the mobile phone 34. The display unit 39 of the mobile phone 34 is used as a means for providing information to a user. The key input unit 40 of the mobile phone 34 is used as input means for selecting / determining information. The mobile phone 34 is connected to the adapter 36 by the input / output unit 41, and the control means c4 in the adapter 36
2 is a display unit 39 of the mobile phone 34 through the input / output means 46.
And the key input unit 40. The adapter 36 has a transmission / reception means c44 for performing data communication with the main body of the automatic transaction apparatus 1, a transmission / reception antenna c43, and a storage means c45 for storing transaction information, and is portable using the head-mounted display 8 and the joystick 9 described above. As with the terminal 10, the user can perform a deposit / withdrawal transaction. In addition, the portable terminal 10 using the mobile phone 34
In the case where is used, although not shown, the automatic transaction apparatus 1 is provided with an adapter storage port like the portable terminal storage port 11, and the same processing as that for the portable terminal storage port 11 is performed for the adapter storage port. Also be done.

[0015]

As described above, according to the present invention, the display input section for transaction information is separated from the main body of the automatic transaction apparatus, so that the contents of the operation can be prevented from being seen by a third party. This has the effect of preventing confidential information from being stolen.

[Brief description of the drawings]

FIG. 1 is an external perspective view of an automatic transaction apparatus according to an embodiment of the present invention.

FIG. 2 is a diagram showing the concept of a network in which the automatic transaction apparatus of the present invention is used.

FIG. 3 is a diagram illustrating a hardware configuration of the automatic transaction apparatus.

FIG. 4 is a diagram showing a transaction selection screen displayed on the portable terminal.

FIG. 5 is a diagram showing a portable terminal when a personal mobile phone is used.

FIG. 6 is a diagram illustrating a hardware configuration of a portable terminal when a personal mobile phone is used.

FIG. 7 is a diagram showing a portable terminal lending flow of the automatic transaction apparatus.

FIG. 8 is a diagram illustrating a portable terminal return process of the automatic transaction apparatus.

FIG. 9 is a diagram showing a flow of merchandise settlement by the automatic transaction device.

FIG. 10 is a diagram showing a transaction flow of the portable terminal.

FIG. 11 is a diagram illustrating a drawer flow of the portable terminal.

FIG. 12 is a diagram illustrating a shopping flow of the portable terminal.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Automatic transaction apparatus 2 Card / invoice slip entrance 3 Coin entrance 4 User detection sensor 5 Passbook entrance 6 Bill entrance 7 Foreign substance return opening 8 Head mount display 9 Joystick 9a Lever 9b Decision button 10 Portable terminal 11 Portable terminal storage 12 Transmission / reception antenna a 13 transmission / reception means b 14 display means 15 input means 16 storage means a 17 control means a 18 transmission / reception antenna b 19 transmission / reception means b 20 passbook mechanism 21 card mechanism 22 bill handling mechanism 23 coin handling mechanism 24 voice output means 25 storage means b 26 Network connection means 27 Control means b 31 Financial institution network 32 Dedicated line 33 Retail store 34 Mobile phone 35 Mobile phone interface connector 36 Adapter 37 Adapter interface connector 38 Control part of mobile phone 39 Display part of mobile phone 40 Key input part of mobile phone 41 Input / output part of mobile phone 42 Adapter control means c 43 Adapter transmission / reception antenna c 44 Adapter transmission / reception means c 45 Adapter storage means c 46 Adapter input / output means

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06F 3/00 610 G06F 3/00 610 654 654B 3/033 330 3/033 330C G07D 9/00 401 G07D 9 / 00 401Z 421 421 426 426Z 461 461B F-term (Reference) 3E040 AA03 BA07 CB01 DA01 DA02 FH01 FJ05 FJ06 5B055 BB01 BB03 BB12 PA10 5B087 AA00 AE00 BC02 BC16 DD09 DE02 DE03 DE04 DG02 A04 A03 A04 EA02 BB04 CC05 DD13 HH18 JJ58 JJ64 JJ66 JJ67 KK57 KK58 LL03

Claims (3)

[Claims] 1. A portable terminal device capable of communicating with an automatic transaction device, comprising: a head-mounted display; a joystick connected to the head-mounted display; storage means; communication means; The display displays transaction guide information and the like sent from the automatic transaction device to the communication means under the control of the control means, and the joystick displays information displayed on the head mounted display in response to a user operation. The communication means sends the selected information to the automatic transaction apparatus under the control of the control means, and the storage means stores the electronic money sent from the automatic transaction apparatus to the communication means in the control means. A portable terminal device storing the information under control of a portable terminal. 2. An automatic transaction device having a communication means for communicating with the portable terminal device according to claim 1, wherein said automatic transaction device has a portable terminal storage port in which said portable terminal device is installed, and performs a card accepting process. Automatically writing the user ID of the card user into the portable terminal device in accordance with the stored contents of the card, opening the portable terminal storage opening to enable the portable terminal device to be lent. apparatus. 3. The portable terminal device according to claim 1,
An automatic transaction system comprising an automatic transaction device having communication means for communicating with the portable terminal device and installed in a store, wherein the portable terminal device is configured to perform the automatic transaction by a user using the portable terminal device. The amount withdrawn by the withdrawal process for the device is stored as electronic money in the storage means of the portable terminal device, and when a user purchases a product in a store using the electronic money,
An automatic transaction system, wherein a commodity purchase process is performed by electronic money by communicating with a POS terminal in a store according to a user operation.