JP2002032827A - Information storage medium processing device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an information storage medium processing device enhancing the processing efficiency of a device body and enhancing services to users by displaying a guidance screen allowing users to easily select information storage media for use in transactions. SOLUTION: If a noncontact card 10 issued by a bank, to which an ATM 1 belongs is included in other noncontact cards 10 from which card information has been read, the ATM 1 displays the guidance screen wherein that noncontact card 10 is distinguished from the other noncontact cards 10. Because users tend to perform transactions on their bank accounts which do not require charges, the guidance screen reflecting the users' intentions is displayed in a display part 4. Thus, the user can easily perform the operation of finding and selecting the noncontact card 10 for use in transactions on the guidance screen, and the operation rate of a device body can be enhanced.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an information storage medium processing device for executing transaction processing using identification information read from an information storage medium such as a cash card or a credit card.

[0002]

2. Description of the Related Art Conventionally, as an apparatus for reading card information stored on a magnetic card and executing a transaction process using the card information, an automatic teller machine (hereinafter referred to as an automatic teller machine) for processing a deposit / withdrawal transaction with a bank account. , ATM.)
And a credit authentication terminal device (hereinafter referred to as CAT) for processing credit transactions. ATM or C
In the AT, the user inputs the card information stored in the magnetic card into the apparatus main body, for example, by inserting a magnetic card used for transaction processing into the apparatus main body. The device body is
It has a magnetic card reader for reading card information from a magnetic card.

[0003] In addition to the card information, the apparatus body receives input of data necessary for transaction processing, such as a personal identification number and a transaction amount, and uses the data entered here and the card information to determine whether or not a transaction is possible. The authentication process for determination is executed, and the transaction process is executed only when it is determined that the transaction is possible in the authentication process. The card information is data used for the authentication processing. In the case of a device such as an ATM or a CAT, if the password input by the user is not appropriate, it is determined that the transaction is not possible in the authentication process, and the transaction process is prohibited. In a center where devices such as ATM and CAT are connected by a data transmission line, an appropriate password is stored in advance for each piece of card information. It has been determined whether the entered password is appropriate for the entered card information.

When inputting card information stored in a magnetic card into the main body of the apparatus, it sometimes takes time for a user to remove a magnetic card used for transaction processing from a wallet or a card case. As is well known, an apparatus such as an ATM or a CAT cannot perform an authentication process unless card information is input, and thus waits for input of card information. Since the waiting time until the card information is input is a part of the transaction processing time, the longer the time required to input the card information, the longer the time required for the transaction processing. Therefore, there is a problem that the efficiency of transaction processing is reduced. In addition, the user has to take out the magnetic card used for transaction processing from a wallet, a card case, or the like, and there is a problem that operability during transaction processing is not good.

[0005] As a technique for solving the above problem, devices such as ATMs and CATs having a wireless communication function with a card having a wireless communication function (hereinafter referred to as a contactless card) have been proposed. The contactless card is a card in which card information stored in a conventional magnetic card as magnetic data is stored as electronic data in a memory, and has a function of transmitting the card information stored in the memory by a radio signal. ing.

When the user brings a wallet or a card case containing the non-contact card close to an antenna provided in the main body of the apparatus, that is, when the non-contact card is positioned in the communication area of the main body of the apparatus, the non-contact card becomes The stored card information is transmitted to the apparatus body by a wireless signal. The apparatus main body receives the card information transmitted from the contactless card, and uses the card information for a transaction authentication process. As described above, the card information can be input only by bringing the wallet, card case, or the like containing the non-contact card close to the antenna provided in the apparatus main body, so that the operability of the user is improved. Thus, it was considered that the time required for inputting the card information to the apparatus main body was shortened, and the efficiency of the transaction processing of the apparatus main body was improved.

However, when a plurality of non-contact cards are stored in a wallet, a card case, or the like, which is brought close to the vicinity of the antenna of the apparatus main body, the plurality of non-contact cards transmit card information to the apparatus main body. Will do. At this time, one of the plurality of contactless cards that transmitted the card information to the apparatus body is a contactless card used for transaction processing, and the other contactless cards are used for current transaction processing. Not something. So, the conventional device,
When card information is sent from multiple contactless cards, the user is prompted to enter a PIN, and the contactless card that sent the card information with the correct PIN entered by the user is used for transaction processing. I was using.

[0008] When there are a plurality of contactless cards that have transmitted card information whose password entered by the user is appropriate, the contactless card to be used for transactions is selected from the plurality of contactless cards. A guidance screen to be selected is displayed, and the transaction processing is executed using the card information transmitted from the contactless card selected by the user (Japanese Patent Laid-Open No. 10-31444). The non-contact card not selected here is not used for the transaction processing.

[0009]

However, the apparatus disclosed in the above-mentioned Japanese Patent Application Laid-Open No. H10-31444 requires a user to receive card information from a plurality of non-contact cards as described above. The user is prompted to enter a PIN, but the user who has been prompted to enter the PIN does not know which contactless card PIN to enter, and is puzzled when entering the PIN, and enters the PIN. There is a problem that it takes a long time. Since the time required for the user to enter the PIN is part of the transaction processing time,
Transaction processing time was not shortened sufficiently.

[0010] Further, when a plurality of contactless cards have transmitted card information for which a password entered by a user is appropriate, a contactless card to be used for trading out of these contactless cards. In the guidance screen for selecting
The plurality of non-contact cards are displayed in an appropriate order, and are not displayed in an order considering the user's intention. Therefore, there is a problem that it takes a long time for the user to find and select a contactless card to be used for a transaction on the guidance screen. Since the time required for the user to select the contactless card used for the transaction processing is a part of the transaction processing time, the transaction processing time has not been sufficiently reduced.

[0011] Further, since the user is shown a guidance screen irrelevant to his / her own intention to select a contactless card to be used for transactions, the user erroneously selects a contactless card to be used for transaction processing. There is a high possibility that the service to the user is not good.

[0012] An object of the present invention is to improve the processing efficiency of the apparatus body and to improve the service to the user by enabling the user to easily select the information storage medium to be used for transactions. An object of the present invention is to provide a storage medium processing device.

[0013]

An information storage medium processing apparatus according to the present invention has the following arrangement to solve the above-mentioned problems.

(1) An identification information reading unit for reading identification information used for identification of a transaction stored in the information storage medium, and when the identification information is read from a plurality of information storage media by the identification information reading unit, A guidance display unit that displays guidance regarding transaction processing for each storage medium, a selection input reception unit that receives selection of an information storage medium used for transaction processing from among the information storage media on which the guidance display unit has performed guidance display, A transaction processing unit for executing transaction processing using the identification information stored in the information storage medium selected by the selection input receiving unit, wherein the guidance display unit includes predetermined information in the identification information. Information about the transaction processing is displayed by distinguishing the information storage medium from the other information storage medium.

In this configuration, in order for the identification information reading unit to perform a transaction according to the identification information from the plurality of information storage media, the identification information is read in a non-contact manner, and the information storage medium from which the identification information has been read in the guidance display unit. Guidance on transaction processing is displayed for each transaction. At this time, the guidance display unit displays a guidance screen that distinguishes the information storage medium in which the identification information includes predetermined information from other information storage media. The selection input accepting unit accepts selection of an arbitrary information recording medium from the information storage media on which the guidance is displayed, and the transaction processing unit uses the identification information stored in the information storage medium selected here to execute the transaction. Execute the process.

As described above, the guidance display unit is configured to distinguish and display the information storage medium in which the identification information contains the predetermined information from the other information storage medium. If the present invention is applied to an automated teller machine (hereinafter referred to as ATM),
By displaying a guidance screen that distinguishes between the information storage medium issued by the own bank and the information storage medium issued by another bank, the user can select the information storage medium to be used for the transaction processing. This guidance screen reflects the intention of the user for the reason described below, and is a screen that is easy for the user to understand. Therefore, the information storage medium used for transaction processing is displayed on the guidance screen displayed by the user. Easy to find. Therefore, the time required for the user to select the contactless card to be used in the transaction processing can be reduced, and the transaction processing efficiency can be sufficiently improved. In addition, it is possible to prevent the user from erroneously selecting the information storage medium used for the transaction processing, so that the service for the user can be improved.

In the case of ATM, no commission is required for transaction processing using a cash card issued by the bank itself, but a fee is required for transaction processing using a cash card issued by another bank. Tend to use their own bank cards. Therefore, it can be said that the guidance screen that distinguishes between the information storage medium issued by the own bank and the information storage medium issued by the other bank is a screen reflecting the intention of the user. Further, since a bank card and a branch code for identifying the bank and the branch issuing the card are stored as identification information in a general cash card, this information is used for each information storage medium that has received the identification information. This makes it possible to determine whether the information storage medium is issued by the own bank or an information storage medium issued by another bank.

(2) An identification information reading section for reading a plurality of identification information used for identification of a transaction stored in the information storage medium, and a guide regarding transaction processing for each of the plurality of identification information read by the identification information reading section. A guidance display section to be displayed,
A selection input receiving unit that receives a selection of identification information to be used for transaction processing from a plurality of pieces of identification information for which the guidance display unit has performed the guidance display, and a transaction process using the identification information selected by the selection input reception unit; And a guidance display unit for displaying the guidance regarding the transaction processing by distinguishing the identification information including the predetermined information from the other identification information.

In this configuration, the identification information reading section reads all the identification information from the information storage medium storing a plurality of identification information used for authentication of the transaction, and displays a guide regarding the transaction processing for each read identification information. The identification information reading unit may read information by magnetic contact, or may read information by wireless using non-contact. At this time, the guidance display unit displays a guidance screen that distinguishes the identification information containing the predetermined information from the other identification information. The selection input receiving unit receives a selection of arbitrary identification information from the identification information for which the guidance is displayed, and the transaction processing unit executes a transaction process using the identification information selected here.

Therefore, the same operation and effect as the above (1) can be obtained for an apparatus for executing a transaction process using identification information read from an information storage medium storing a plurality of identification information. Further, since a plurality of pieces of identification information are stored in one information storage medium, the number of information storage media carried by the user can be reduced, and the trouble of the user can be further reduced. The information storage medium may be a magnetic card storing identification information as magnetic data, or a non-contact card for wirelessly transmitting identification information stored as electronic data.

(3) An identification information reading section for reading identification information used for identification of a transaction stored in the information storage medium, and information is read when the identification information is read from a plurality of information storage media by the identification information reading section. A guidance display unit that displays guidance regarding transaction processing for each storage medium, a selection input reception unit that receives selection of an information storage medium used for transaction processing from among the information storage media on which the guidance display unit has performed guidance display, After the selection is received by the selection input receiving unit, a password information input receiving unit that receives input of password information, and the password information input by the password information input receiving unit is an information storage medium selected by the selection input receiving unit. Based on the result of determining whether or not the identification information stored in the storage unit matches the password information stored in advance, the selection input receiving unit With-option information identification information stored in the storage medium and a, and a transaction processing unit for executing transaction processing.

In this configuration, in order for the identification information reading unit to perform a transaction corresponding to the identification information from the plurality of information storage media, the identification information is read in a non-contact manner, and the information storage medium from which the identification information has been read in the guidance display unit. The guidance regarding the transaction processing is displayed every time, and the selection input receiving unit receives the selection of an arbitrary information recording medium from the information storage media on which the guidance is displayed. Thereafter, the password information received by the transaction processing unit in the password information input receiving unit and the password information stored in advance for the identification information stored in the information storage medium selected by the selection input receiving unit are included. The transaction processing is executed based on the result of the determination as to whether or not they match. At this time, the transaction processing unit executes the transaction process using the identification information stored in the information storage medium selected by the selection input receiving unit.

As described above, since the user is allowed to select the information storage medium to be used in the transaction processing and then to input the password information, for which information storage medium should the user input the password information? , The user can easily input the password information without being bothered by the input of the password information. Also, since the information storage medium is selected before the input of the password information, it is known to which information storage medium the password information has been input.
It is only necessary to determine whether or not the password information input only for this information storage medium matches (is appropriate). Therefore, the time required for this determination can be shortened, and the efficiency of transaction processing is improved.

(4) An identification information reading section for reading a plurality of identification information used for identification of a transaction stored in the information storage medium, and a guide regarding transaction processing for each of the plurality of identification information read by the identification information reading section. A guidance display section to be displayed,
A selection input receiving unit that receives a selection of identification information to be used in a transaction process from a plurality of pieces of identification information for which the guidance display unit performs the guidance display, and receives input of personal identification information after the selection input receiving unit receives the selection; A password information input receiving unit, and determines whether the password information input by the password information input receiving unit matches the password information stored in advance for the identification information selected by the selection input receiving unit. And a transaction processing unit for executing a transaction process using the identification information selected by the selection input receiving unit based on the determined result.

In this configuration, the identification information reading section reads all the identification information from the information storage medium storing the plurality of identification information used for the authentication of the transaction, and displays the guidance regarding the transaction processing for each read identification information, and accepts the selection input. The section accepts the selection of an arbitrary information recording medium from the information storage medium on which the guidance is displayed. The identification information reading unit may read information by magnetic contact, or may read information by wireless using non-contact. Thereafter, the transaction processing unit determines whether the password information received by the password information input receiving unit matches the password information stored in advance for the identification information selected by the selection input receiving unit. Execute transaction processing based on the determination result. At this time, the transaction processing unit executes the transaction process using the identification information stored in the information storage medium selected by the selection input receiving unit.

Therefore, in the device for executing the transaction processing using the identification information read from the information storage medium storing the plurality of identification information, the same operation and effect as the above (3) can be obtained. Further, since a plurality of pieces of identification information are stored in one information storage medium, the number of information storage media carried by the user can be reduced, and the trouble of the user can be further reduced. The information storage medium may be a magnetic card storing identification information as magnetic data, or a non-contact card for wirelessly transmitting identification information stored as electronic data.

(5) An information writing unit for writing predetermined information to the information storage medium is provided.

With this configuration, predetermined information can be written to the information storage medium by the information writing unit. The guidance display unit displays a guidance screen that distinguishes between the information storage medium on which the predetermined information is written and another information storage medium (an information storage medium on which the predetermined information is not written).

Here, if the predetermined information is written when the information storage medium to be used for the transaction is selected on the guidance screen, and the predetermined information is deleted when the information storage medium is not selected, the user Can display a guidance screen that distinguishes the information storage medium used in the previous transaction from other information storage media. Further, the state where the predetermined information is written in the information storage medium used only once in the past does not continue forever.

(6) An information writing unit for adding predetermined information to one of the plurality of pieces of identification information stored in the information storage medium is provided.

According to this configuration, predetermined information can be added to one of the plurality of pieces of identification information stored in the information storage medium by the information writing unit. The guidance display unit displays a guidance screen that distinguishes the identification information to which the predetermined information is added from other identification information (identification information to which the predetermined information is not added). Therefore,
In a device that executes transaction processing using identification information read from an information storage medium storing a plurality of identification information, the same effect as the above (5) can be obtained.

(7) After the information storage medium for which guidance is displayed is selected and password information is input, the transaction processing unit executes transaction processing using cash.

(8) After the guidance-displayed identification information is selected and password information is input, the transaction processing unit executes transaction processing using cash.

(9) After the information storage medium for which guidance is displayed is selected, the transaction processing unit processes a credit transaction.

(10) After the displayed identification information is selected, the transaction processing unit processes a credit transaction.

(11) After the information storage medium for which guidance is displayed is selected, the transaction processing unit executes transaction processing using electronic money and displays the execution result.

(12) After the guidance-displayed identification information is selected, the transaction processing unit executes transaction processing using electronic money and displays the execution result.

In the above configurations (7) to (12), transaction processing using cash, transaction processing relating to credit, and transaction processing using electronic money are executed. Also,
Although the transaction result is not visible in the transaction processing using electronic money, the execution result of the transaction processing is displayed, so that the user can recognize the transaction result.

[0039]

FIG. 1 is a block diagram showing the configuration of an automatic teller machine according to an embodiment of the present invention, and FIG. 2 is a view showing the appearance of the automatic teller machine. The automatic teller machine 1 (hereinafter, referred to as ATM1) includes a control unit 2 for controlling the operation of a main body, and a non-contact medium having a wireless communication function (corresponding to an information storage medium according to the present invention).
A wireless communication unit 3 for executing wireless communication with the apparatus, a display unit 4 for displaying an operation state of the apparatus main body, a guidance screen relating to a transaction process described later, an input unit 5 for performing an input operation, and a depositing unit for performing a depositing process 6, a dispensing unit 7 for performing a dispensing process, a slip issuing unit 8 for issuing a transaction slip on which transaction contents are printed, and a communication unit 9 for communicating with a higher-level device (not shown) provided at the center. And The wireless communication unit 3 includes a wireless transmission unit 3a, a wireless reception unit 3b, and an antenna 3c. The antenna 3c is provided on the operation surface of the apparatus main body as shown in FIG. The input unit 5 has a touch panel 5a arranged on the display screen of the display unit 4. Also,
The apparatus main body is formed with a deposit / withdrawal port 6a functioning as an inlet for cash to be deposited or an outlet for cash to be dispensed, and a slip discharge port 8a for discharging a slip printed with transaction contents in the slip issuing unit 8. I have.

FIG. 3 is a block diagram showing the configuration of a contactless card used when performing transaction processing in the ATM. The contactless card 10 includes a control unit 11 for controlling the operation of the main body, a storage unit 12 for storing card information (corresponding to identification information in the present invention) such as a bank name, a branch name, and an account number. A wireless communication unit 13 for performing wireless communication with the ATM 1. The wireless communication unit 13 includes a wireless transmission unit 13a, a wireless reception unit 13b, and an antenna 13c.
Is provided. The contactless card 10 is a so-called cash card.

The storage section 12 of the contactless card 10 has
Is stored. Card information includes
It contains bank codes, branch codes, account numbers, and priority information. The bank code is a code indicating the bank that issued the contactless card 10, the branch code is a code indicating the branch where the corresponding bank account is located, the account number is a number for identifying the corresponding account, and the priority information Is information indicating whether or not the contactless card 10 is used preferentially for transaction processing. This priority information is flag data.
N indicates that the card is a contactless card that is used preferentially for transaction processing, and OFF indicates that it is not a contactless card that is preferentially used for transaction processing. This priority flag can be changed by the owner of the contactless card by his / her own intention (the details will be described later).

Hereinafter, the operation of the ATM 1 of this embodiment will be described. FIG. 5 is a flowchart showing the operation of the ATM according to this embodiment. In ATM1, as is well known, payment transactions to designated accounts, withdrawal transactions from designated accounts,
Transactions such as balance inquiry for checking the current balance in the designated account can be performed. The ATM 1 displays a menu screen on which a transaction button is displayed for each transaction type on the screen of the display unit 4. When any one of the transaction buttons displayed on the screen of the display unit 4 is pressed, the ATM 1 determines that a transaction of a type corresponding to the pressed transaction button is selected. As described above, the touch panel 5a is provided on the display screen of the display unit 4, and it is possible to detect which transaction button displayed on the display unit 4 is pressed by the user. When receiving the selection input of the transaction type by the user (s1), the ATM 1 reads the card information from all the contactless cards 10 located in the communication area of the apparatus main body (s2, s3).

At this time, the user need only bring the wallet or the card case containing the non-contact card 10 close to the antenna 3c without taking out the stored non-contact card 10 from the wallet or the card case. It is only necessary to position the non-contact card 10 in the communication area with the apparatus body.) The ATM 1 sequentially accesses all the non-contact cards 10 approaching the antenna 3c and reads card information from these non-contact cards 10.

Here, an example in which three non-contact cards 10 storing the following card information are stored in a wallet, a card case, or the like near the antenna 3c by the user will be described. The operation of the ATM 1 will be described.
Card A: Bank A, L branch, account number X Card B: Bank B, M branch, account number Y Card C: Bank C, N branch, account number Z It is assumed that the contact card 10 is stored (FIG. 6)
reference). The priority flag of card B was on, and the priority flags of card A and card C were off.

At s2 and s3, the ATM 1 reads card information from all (three) non-contact cards 10 stored in the card case close to the antenna 3c. The ATM 1 determines whether the non-contact card 10 that has read the card information in s2 and s3 includes the non-contact card 10 issued by itself (s2).
4). As described above, the card information includes the contactless card 1
Since a bank code indicating the bank that has issued 0 is included, it is possible to determine whether or not the card is a contactless card issued by itself by using this bank code. ATM
When there is a contactless card 10 issued by itself, 1 sets the priority level of the contactless card 10 to No. 1 (s5), and s described later.
Proceed to 8. On the other hand, if there is no contactless card 10 issued by the own bank, for example, when the ATM 1 is a device of Bank D, the priority of the contactless card 10 (priority card issued by silver B) whose priority flag is ON is changed. No. 1 (s6, s
7) Go to s8.

If there is no contactless card 10 in which the priority flag is ON in s6, the process proceeds to s8 in a state where there is no contactless card 10 having the first priority.

The ATM 1 displays a guidance screen that distinguishes the contactless card 10 having the highest priority from the other contactless cards 10 (s8). In this guidance screen, a selection button operated when selecting the non-contact card 10 having the highest priority and a selection button operated when selecting another non-contact card 10 are displayed separately. . For example, when ATM1 is a device of Bank A,
The display unit 4 displays a guidance screen that distinguishes between a selection button operated when selecting the contactless card 10 of Bank A having the highest priority and a selection button operated when selecting another contactless card 10. Displayed on the display unit 4 (FIG. 7)
(A)). When the ATM 1 is a device of Bank B, the selection button operated when selecting the contactless card 10 of Bank B having the highest priority on the display unit 4 and the other contactless cards 10 are selected. A guidance screen is displayed on the display unit 4 in such a manner that the guidance screen is distinguished from the selection button operated (see FIG. 7B). Further, when the ATM 1 is a device of the bank C, the selection button operated when selecting the contactless card 10 of the bank C having the highest priority on the display unit 4 and the other contactless cards 10 are selected. A guidance screen is displayed on the display unit 4 in such a manner that the guidance screen is distinguished from the selection button operated (see FIG. 7C). Further, when the ATM 1 is a device of Bank D, the selection button operated when selecting the contactless card 10 issued by Bank B whose priority flag is on and the operation performed when selecting another contactless card 10 A guidance screen (a guidance screen shown in FIG. 7B) distinguished from the selection button to be displayed is displayed on the display unit 4.

When the process proceeds to s8 in a state where there is no non-contact card 10 having the first priority, a guidance screen in which all cards are not distinguished is displayed as in the related art.

As described above, the ATM 1 of this embodiment is
Non-contact card 10 reading card information in s2, s3
If there is a non-contact card 10 issued by itself, a guidance screen that distinguishes the non-contact card 10 from other non-contact cards 10 is displayed. On the other hand, if there is no non-contact card 10 issued by one's own bank among the non-contact cards 10 that read the card information in s2 and s3, the non-contact card 10 whose priority flag is on is distinguished from the other non-contact cards 10. The displayed guidance screen is displayed. Further, as shown in FIG. 7, a message urging the user to select a contactless card 10 (bank to do business with) is also displayed on the guidance screen.

Normally, many users of the ATM 1 tend to use the contactless card 10 issued by their own bank. The reason is that the use of the contactless card 10 issued by another bank requires a fee. Further, if the contactless card 10 issued by the own bank is used, a transaction not provided by the contactless card 10 issued by another bank can be performed. Therefore, the guidance screen displayed on the display unit 4 (the guidance screen shown in FIG. 7) is a guidance screen reflecting the intention of the user. In addition, if the contactless card 10 that has read the card information does not include the contactless card 10 issued by itself, a guidance screen that distinguishes the contactless card 10 with the priority flag on from other contactless cards 10 is displayed. I am trying to do it. The priority flag is information that can be freely set by the user as described later, and the user can turn on the priority flag of the contactless card 10 in accordance with the user's own convenience. Therefore, even when there is no non-contact card 10 issued by itself in the non-contact card 10 that has read the card information,
A guidance screen reflecting the intention of the user can be displayed on the display unit 4.

The ATM 1 accepts the selection of the contactless card 10 to be used for the transaction on the guidance screen displayed in s8 (s9), and displays a confirmation screen (see FIG. 8) on the display unit 4 for confirming whether the selection is correct. (S10). Here, when an input indicating that the selection is incorrect is made (the "NG" button displayed on the display unit 4 is pressed), the ATM 1 returns to s8 and repeats the above processing.

In s11, when an input indicating that there is no selection error is made (the "OK" button displayed on the display unit 4 is pressed), a password (corresponding to the password information in the present invention) is input. Accepted (s12). Here, when the user inputs the personal identification number, it is determined whether the input personal identification number is appropriate (s13). In a center to which an ATM is connected by a data transmission line, a password corresponding to each issued non-contact card 10 (for each card information stored in the non-contact card 10) is stored in advance. Whether the password input by the user is correct depends on whether the password of the non-contact medium 10 selected in the above process stored in the above process matches the password input by the user. to decide. If they match, it is determined to be appropriate, and if they do not match, it is determined to be inappropriate.

If it is determined that the input personal identification number is not appropriate, the transaction processing is stopped to stop the transaction processing, and the processing is terminated (s14). If it is determined that the input password is appropriate, the transaction type (payment transaction, withdrawal transaction, balance inquiry) selected with s1 with the bank that issued the selected contactless card 10. Etc.) (s15).

Here, if the transaction type selected in s1 is a withdrawal transaction, in s15, when the input of the withdrawal amount is accepted, it is determined whether or not the input withdrawal amount is a withdrawable amount ( It is determined whether or not the amount is equal to or less than the balance of the transaction account), and if the amount can be withdrawn, a cash-out process of releasing the cash of the input money-out amount is performed. At this time, the balance of the transaction account is updated to a value obtained by subtracting the withdrawn amount.

When the transaction type selected in s1 is the payment processing, cash input is accepted in s15,
A process of detecting the amount of the inserted cash and adding the detected amount to the balance of the transaction account is performed.

Note that, depending on the type of transaction processing selected in s1, for example, the balance inquiry and the input reception of the personal identification number in s12 may be omitted. In this case, s1
Steps 3 and s14 are also omitted, and if an input indicating that there is no error in selecting the non-contact medium 10 is performed in s11, s15
To execute the transaction of the transaction type selected in s1.

When the ATM 1 completes the transaction, the priority flag change guidance screen shown in FIG. 9 is displayed on the display unit 4, and accepts the selection of the contactless card 10 for turning on the priority flag (s16). Then, writing to turn on the priority flag is performed on the non-contact card 10 selected in s13, and writing to turn off the priority flag is performed on the other non-contact cards 10, and the process is ended ( s1
7). Note that writing here means the state of the priority flag (ON or OF) for each non-contact card 10.
F) is a process of transmitting a wireless signal, and the contactless card 10 receiving the wireless signal rewrites the priority flag stored in the storage unit 12 to ON or OFF.

As described above, in the ATM 1 of this embodiment, when the card information is read from the plurality of non-contact cards 10, the guidance screen reflecting the intention of the user is displayed on the display unit 4, and the user is provided with the guidance screen. Since the contactless card 10 to be used for the transaction is selected, the user can easily find the contactless card 10 to be used for the transaction on the guidance screen. Therefore, the time required from the display of the guidance screen to the selection of the contactless card 10 to be used for the transaction can be reduced, and the operation rate of the apparatus main body can be improved. In addition, since the user is prevented from erroneously selecting the contactless card 10 used for the transaction, the service for the user is also improved.

In the guidance screen displayed on the display unit 4 in s8, a selection button to which a publicity or the like is added may be displayed for the bank having the highest priority level (see FIG. 10). . Further, the logo of each bank may be displayed near the button of each bank displayed on the guidance screen.
In this manner, the user can select the contactless card 10 to be used for the transaction while viewing the logo of the bank.
0 can be more easily found by the user. Alternatively, a selection button to which an advertisement corresponding to each contactless card 10 is added may be displayed, and the selection button may be colored so as to be conspicuous only for the silver ore having the highest priority.

Furthermore, after the selection of the non-contact medium 10 to be used for the transaction, the input of the personal identification number is accepted, so that the user knows which non-contact medium 10 to input the personal identification number. Therefore, the user is not bothered by the input of the personal identification number. Therefore, the time required for the user to input the personal identification number can be reduced. Further, since the non-contact medium 10 to be used in the transaction processing is selected before the input of the personal identification number, it is sufficient to judge whether or not the password information input only for the non-contact medium 10 is appropriate (selection). It is not necessary to judge whether or not the input personal identification number is appropriate for the non-contact medium 10 which is not performed.), And the time required for judging whether or not the personal identification number is appropriate is shortened, so that the efficiency of transaction processing is reduced. It is greatly improved.

Next, another embodiment of the present invention will be described. The card used for the ATM 1 of this embodiment may be a contactless card or a magnetic card. Here, the following description is made assuming that the card is a contactless card. The configuration of the apparatus main body is the same as the configuration shown in FIGS. 1 and 2, and the configuration of the non-contact card 10 is the same as the configuration shown in FIG.

The storage unit 12 of the contactless card 10 stores a plurality of types of card information (here, account information) stored in the contactless card 10 described in the above embodiment. (See FIG. 11).

FIG. 12 is a flowchart showing the processing of the ATM 1 according to this embodiment. AT of this embodiment
M1 also displays a menu screen on which a transaction button is displayed for each transaction type on the screen of the display unit 4 in the same manner as the ATM 1 of the above embodiment, and waits for the user to select and input a transaction type. . When the ATM 1 receives the selection input of the transaction type by the user (s21), the ATM 1 reads all the account information stored in the storage unit 12 of the contactless card 10 (s22, s23). The contactless card 10 includes, for example, Bank A, L branch, account number X, priority flag is off Bank B, M branch, account number Y, priority flag is on Bank C, N branch, account number Z, priority flag is off Are stored (see FIG. 11).

When the ATM 1 reads all the account information stored in the non-contact card 10 in s22 and s23 described above, it determines whether or not there is account information indicating its own bank account (s24). If it is determined in s24 that there is account information indicating the bank's own account, the priority level of the account corresponding to the account information is set to No. 1 (s25), and s28 described later.
Proceed to. On the other hand, if it is determined in s24 that there is no account information indicating the bank's own account, for example, when the ATM 1 is a device of Bank D, the priority of the account (account of Silver B) of the account information whose priority flag is on is changed. No. 1 (s26, s27),
Proceed to s28. If there is no account with the priority flag turned on in s26, the process proceeds to s28 without an account having the first priority.

The ATM 1 displays a guidance screen that distinguishes the account with the highest priority from other accounts (s2).
8). The guidance screen displayed here is the same as the guidance screen shown in FIG.

As described above, the ATM 1 of this embodiment is
If the account information read in s22 and s23 includes an account of the own bank, a guidance screen for distinguishing the account from other accounts is displayed. On the other hand, if the contactless card 10 that has read the card information in s22 and s23 does not have an account of its own, a guidance screen is displayed that distinguishes the account for which the priority flag was on from other accounts. The guidance screen also displays a message prompting the user to select a bank to trade.

Here, as described above, most users
They tend to trade in their own bank accounts that do not require fees.
Therefore, it can be said that a guidance screen reflecting the intention of the user is displayed on the display unit 4. In addition, if there is no account of the bank in the read account information, a guidance screen that distinguishes between the account with the priority flag on and the other contactless card 10 is displayed. As in the case of the ATM 1 of the above embodiment, since the user can freely set the information, the display unit 4 can display a guidance screen reflecting the user's intention.

When the ATM 1 receives the selection of the account to be used for the transaction on the guidance screen displayed in s28 (s2)
9) A confirmation screen (the screen shown in FIG. 8) for confirming whether the selection is correct is displayed on the display unit 4 (s30). Here, if an input indicating that the selection was incorrect is made, the ATM
1 returns to s28 and repeats the above processing.

When an input indicating that there is no selection error is made in s31, an input of a personal identification number is accepted in the same manner as in the ATM 1 of the above embodiment (s32). When the user inputs the password, it is determined whether the input password is appropriate (s33).

If it is determined that the input personal identification number is not appropriate, a transaction stop process for stopping the transaction process is performed, and the process ends (s34). If it is determined that the input password is appropriate, the transaction of the transaction type selected in s21 is executed with the bank having the account selected in the above processing (s35). In s35, the dispensing process and the depositing process are executed in substantially the same procedure as s15 in the ATM 1 of the above embodiment.

As described in the above embodiment, s2
For example, depending on the type of the transaction processing selected in step 1, for example, the balance inquiry and the input reception of the personal identification number related to s32 may be omitted. In this case, the processes related to s33 and s34 are also omitted. If an input indicating that there is no error in selecting the non-contact medium 10 is performed in s31, the process jumps to s35 and executes the transaction of the transaction type selected in s1. .

After completing the transaction processing in s35, the ATM 1 displays the priority flag change guidance screen shown in FIG. 9 on the display unit 4, and accepts the selection of an account for turning on the priority flag (s36). Then, the writing for turning on the priority flag is performed for the account selected in s36, and the writing for turning off the priority flag is performed for the other accounts, and the process ends (s37).

As described above, the ATM 1 of this embodiment has the same effect as the ATM 1 of the above embodiment. Further, the number of information storage media carried by the user can be reduced, and the trouble of the user can be further reduced.

In the above embodiment, an example in which the present invention is applied to an ATM has been described.
The present invention can be applied to T. FIG. 13 is a flowchart showing the operation of the CAT according to the embodiment of the present invention.
The CAT of this embodiment executes substantially the same processing as that of the ATM 1 of the above embodiment, as is clear from FIG.

The difference is that there is no processing in s4 and s5 shown in FIG. 5, and that the transaction processing performed in s55 is a credit-related transaction processing.

Therefore, in the CAT of this embodiment,
A contactless card 10 set to be used preferentially by the user himself (a contactless card 10 with a priority flag turned on);
By displaying a guidance screen that distinguishes the contactless card from other contactless cards, the user can select the contactless card 10 to be used for the credit transaction. As is clear from the above description, the guide screen is a screen reflecting the intention of the user, and therefore, the same effect as that of the ATM 1 of the above embodiment can be obtained.

Further, if the function shown in FIG. 13 is provided in an apparatus which can be connected to the Internet and can execute the transaction processing using electronic money, the apparatus for executing the transaction processing using electronic money can also be implemented as described above. ATM and CA of form
The same effect as T can be obtained. In addition, since the transaction result is not visible in the transaction using electronic money, the transaction result may be displayed. This allows the user to recognize the transaction result of the transaction processing using the electronic money.

[0078]

As described above, according to the present invention, when identification information used for transaction authentication is read from a plurality of information storage media, a guidance screen reflecting the intention of the user is displayed and used. Since the user is allowed to select the information storage medium to be used for the transaction, the user can easily find and select the information storage medium to be used for the transaction processing on the displayed guidance screen. Therefore, the time required for the user to select the contactless card used for the transaction processing can be reduced, and the efficiency of the transaction processing in the apparatus main body can be sufficiently improved. In addition, since the user is prevented from erroneously selecting the information storage medium used for the transaction processing, the service for the user can be improved.

When all of the identification information is read from an information storage medium storing a plurality of identification information used for authentication of the transaction, a guide screen reflecting the intention of the user is displayed, and the user is asked to execute the transaction. Since the user is allowed to select the identification information to be used, the user can easily find and select the identification information to be used for the transaction processing on the displayed guidance screen. Therefore, the time required for the user to select the identification information used for the transaction processing can be reduced, and the efficiency of the transaction processing in the apparatus main body can be sufficiently improved. Further, since it is possible to suppress the user from erroneously selecting the identification information used for the transaction processing, the service for the user can be improved. In addition, since a plurality of pieces of identification information are stored in one information storage medium, the number of information storage media carried by the user can be reduced.

Further, after the user selects the information storage medium or the identification information to be used in the transaction processing, the user is prompted to input the password information, so that the user is not bothered by the input of the password information, and Can be easily entered. Further, since the apparatus main body knows which information storage medium or identification information the password information has been input, it is only necessary to determine whether or not the password information input only for this information storage medium matches. Therefore, the time required for this determination can be reduced, and the efficiency of transaction processing can be sufficiently improved.

[Brief description of the drawings]

FIG. 1 is a block diagram showing a configuration of an automatic teller machine according to an embodiment of the present invention.

FIG. 2 is a block diagram showing the appearance of an automatic teller machine according to an embodiment of the present invention.

FIG. 3 is a block diagram showing a configuration of a contactless card used in an automatic teller machine according to an embodiment of the present invention.

FIG. 4 is a diagram showing card information stored in a contactless card.

FIG. 5 is a flowchart showing the operation of the automatic teller machine according to the embodiment of the present invention.

FIG. 6 is a diagram showing information stored in each card.

FIG. 7 is a diagram showing a display example of a guidance screen.

FIG. 8 is a diagram illustrating a display example of a confirmation screen.

FIG. 9 is a diagram showing an example of a screen displayed when setting a priority flag.

FIG. 10 is a diagram showing another display example of the guidance screen.

FIG. 11 is a diagram showing account information stored in a contactless card.

FIG. 12 is a flowchart showing the operation of an automatic teller machine according to another embodiment of the present invention.

FIG. 13 is a flowchart showing the operation of a CAT according to another embodiment of the present invention.

[Explanation of symbols]

 1-Automatic teller machine (ATM) 2-Control unit 3-Wireless communication unit 3a-Wireless transmission unit 3b-Wireless receiving unit 3c-Antenna 4-Display unit 5-Input unit 5a-Touch panel 10-Non-contact card

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06K 17/00 G06K 17/00 BT 19/07 G07G 1/00 331Z 19/10 G06K 19/00 H G07G 1/00 331 RF term (reference) 3E040 AA03 BA01 BA07 DA03 FJ06 3E042 BA18 CC02 CC03 CE06 5B035 AA13 BB09 CA23 5B055 BB03 BB10 HA12 KK05 KK12 PA34 5B058 CA15 KA01 KA06 KA33

Claims (12)

[Claims] 1. An identification information reading unit for reading identification information used for identifying a transaction stored in an information storage medium, and an information storage when the identification information is read from a plurality of information storage media by the identification information reading unit. A guidance display unit for displaying guidance on transaction processing for each medium; a selection input reception unit for receiving a selection of an information storage medium to be used for transaction processing from information storage media on which the guidance display unit has performed guidance display; A transaction processing unit that executes transaction processing using the identification information stored in the information storage medium selected by the selection input receiving unit, wherein the guidance display unit includes predetermined information in the identification information. An information storage medium processing device that displays guidance regarding transaction processing while distinguishing between an information storage medium that is operating and another information storage medium. 2. An identification information reading unit for reading a plurality of identification information used for identification of a transaction stored in an information storage medium, and a guidance regarding transaction processing is displayed for each of the plurality of identification information read by the identification information reading unit. A guide input unit for receiving, a selection input receiving unit for receiving a selection of identification information to be used for a transaction process from a plurality of pieces of identification information for which the guidance display unit has performed the guidance display, and an identification selected by the selection input receiving unit. A transaction processing unit for executing transaction processing using the information, wherein the guidance display unit displays guidance relating to the transaction processing by distinguishing between identification information including predetermined information and other identification information. Storage media processing device. 3. An identification information reading unit for reading identification information used for identifying a transaction stored in an information storage medium, and information storage when the identification information is read from a plurality of information storage media by the identification information reading unit. A guidance display unit for displaying guidance on transaction processing for each medium; a selection input reception unit for receiving a selection of an information storage medium to be used for transaction processing from information storage media on which the guidance display unit has performed guidance display; After receiving a selection in the selection input receiving unit, a password information input receiving unit that receives input of password information, and the password information input in the password information input receiving unit,
Based on the result of determining whether or not the identification information stored in the information storage medium selected by the selection input reception unit matches the password information stored in advance, the selection input reception unit A transaction processing unit for performing transaction processing using the identification information stored in the selected information storage medium. 4. An identification information reading unit for reading a plurality of identification information used for identification of a transaction stored in an information storage medium, and a guidance on transaction processing is displayed for each of the plurality of identification information read by the identification information reading unit. A guidance display unit to perform, a selection input receiving unit that receives a selection of identification information used for a transaction process from a plurality of pieces of identification information for which the guidance display unit performs the guidance display, and a selection input receiving unit that receives the selection. A password information input receiving unit that receives input of password information, and the password information input by the password information input receiving unit is:
Using the identification information selected by the selection input reception unit, based on the determination result of determining whether the identification information selected by the selection input reception unit matches the password information stored in advance. An information storage medium processing device comprising: a transaction processing unit that executes transaction processing. 5. The information storage medium processing device according to claim 1, further comprising an information writing unit that writes predetermined information to the information storage medium. 6. The information storage medium processing device according to claim 2, further comprising an information writing unit that adds predetermined information to one of the plurality of pieces of identification information stored in the information storage medium. . 7. The transaction processing unit according to claim 1, wherein after the information storage medium for which guidance is displayed is selected and password information is input, the transaction processing unit executes transaction processing using cash. The information storage medium processing device according to the above. 8. The transaction processing unit according to claim 2, wherein after the identification information displayed in the guidance is selected and the password information is input, the transaction processing unit executes transaction processing using cash. Information storage medium processing device. 9. The information storage medium processing device according to claim 1, wherein the transaction processing unit processes a credit transaction after the information storage medium for which guidance is displayed is selected. 10. The information storage medium processing device according to claim 2, wherein the transaction processing unit processes a credit transaction after the identification information displayed for guidance is selected. 11. The transaction processing unit according to claim 1, wherein after the information storage medium for which guidance is displayed is selected, the transaction processing unit executes transaction processing using electronic money and displays the execution result. The information storage medium processing device according to the above. 12. The transaction processing unit according to claim 2, wherein after the guidance-displayed identification information is selected, the transaction processing unit executes transaction processing using electronic money and displays an execution result. Information storage medium processing device.