JP2003141605A - Ic card adaptive automatic transaction machine - Google Patents

Abstract

PROBLEM TO BE SOLVED: To inhibit the inconvenience accompanying the expiration of validity of an IC card in an automatic transaction machine. SOLUTION: The period of validity is read from an IC card so as to inform a user of at least either the period of validity or the expiration of validity in the automatic transaction machine. The information can be presented by a display, a sound and the like. Thus the user can know the period of validity easily. Even in the case of the expiration of validity, the stoppage of transaction is easily dealt with because of knowing the reason for it.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic transaction system for conducting transactions using a card equipped with an IC chip.

[0002]

2. Description of the Related Art An automatic transaction device (hereinafter referred to as an ATM) is used for depositing and withdrawing money from a user at a financial institution or the like.
In these ATMs, cards such as credit cards, debit cards and cash cards are used for transactions. In recent years, a card (hereinafter referred to simply as “I
C card) is also becoming popular. Some cards have both contact-type and non-contact-type IC chips. Information such as an account number and a personal identification number is recorded in these IC chips for a plurality of accounts. Therefore, IC
By using a card, multiple accounts and transactions can be integrated using a single card. In addition, since it is difficult to falsify information, it has the advantage of excellent security.

[0003]

The IC card has an expiration date set, but the expiration date recorded in the IC chip is electronically readable and the user can easily enter the details. I could not confirm. When a card whose expiration date has expired is used, the automatic transaction device returns the card without showing the reason, and unilaterally cancels the transaction. Therefore, the user is inconvenient because the transaction is suspended and the coping method is unknown without being notified that the expiration date has passed.

For example, some IC cards are compatible with a plurality of transactions, and the expiration date may be set for each transaction. In such a case, even if the expiration date corresponding to the main transaction is displayed on the IC card,
Depending on the transaction actually selected, it may happen that the expiration date has passed. When the expiration date that the user is aware of is different from the actual expiration date as described above, the user is confused and the user is forced to be inconvenient. Such confusion and inconvenience are particularly great when an ordinary cash card, which has not conventionally had a concept of an expiration date, and a credit card or the like having an expiration date, are combined as an IC card.

The present invention has been made to solve the above problems, and an object of the present invention is to avoid the adverse effects related to the expiration date of an IC card and improve its convenience.

[0006]

According to the present invention, in an automatic transaction device, the expiration date of an IC card is read from an IC chip, and at least one of the expiration date and the elapsed state of the expiration date is presented to a user. Information can be presented by display, voice, or the like. By doing so, the user can easily know the expiration date of the IC card.
Even if the transaction is stopped due to the expiration of the expiration date, the reason for that can be known, which makes it easy to take a subsequent action.

Here, the elapsed state means, for example, presentation of information as to whether or not the expiration date has been reached. If the expiration date has not been reached, it may be presented in a format such as the number of days remaining until the expiration date. By doing so, the user can determine whether or not to perform the update procedure according to the number of remaining days. The elapsed state is not limited to quantitative information such as the number of remaining days, but may be qualitative information such as "the expiration date has not expired" or "the expiration date has expired".
Further, the presentation is not limited to the presentation with letters or numbers, and may be presentation using a mark or a chart such as displaying a warning mark when the expiration date has expired.

The present invention can be applied to both a case where a single expiration date is set for the entire IC card and a case where the expiration date is individually set according to the transaction contents that the IC card can handle. is there. In the latter case, it is possible to include transactions whose expiration date is not set.

There are cases where a plurality of expiration dates are recorded in the IC chip depending on the transaction content. In such cases,
It is desirable to present according to the transaction content specified in the transaction process. By doing so, the user can execute the transaction without any trouble for the transaction that has not reached the expiration date.

In the present invention, when the expiration date corresponds to a preset card renewal time, it is desirable to guide the renewal method. By doing so, the user can update the card relatively easily. I
The C card is configured as a composite card such as a bank and a credit card, and there are cases where the application for the renewal procedure is diverse. The update method guide is particularly useful in such cases.
Along with the guidance on the renewal method, the application form for the renewal procedure may be arranged to be sent by communication.

In the present invention, the automatic transaction apparatus may allow the user to input a request for confirmation of the expiration date, and the expiration date may be presented in response to this. This allows the user to confirm the expiration date on his own will.

In the present invention, the transaction may be permitted to be continued under certain conditions when the expiration date has passed. For example, after the expiration date has passed, conditions such as a predetermined period, a predetermined number of times, and a predetermined amount of money may be set, and the transaction may be permitted under these conditions. By doing this,
The user who is informed that the expiration date has passed can make immediate transactions without waiting for the update of the card, so the convenience of the card can be improved. If the expiration date of the card is set according to the transaction content, the transaction may be continued for the transaction content for which the expiration date has not passed. The transaction may be performed after presenting the above-mentioned expiration date or the like, or may be conducted without such presentation.

The transaction processing according to the present invention is not necessarily limited to the one involving the transfer of cash. For example, transfer from a specific account to another account, debit card payment, issuance of a certificate by a public institution, etc. are included. The automated teller machine according to the present invention is configured as a so-called ATM or cash dispenser which is installed in a financial institution and is capable of depositing and withdrawing cash, and may also be configured in a system form in which a host computer and a client computer are connected by a network. it can. In such a system, for example, the client computer may correspond to the automated teller machine of the present invention. The client computer is equipped with a reader that can read card or passbook information,
The card information is read based on instructions from the host computer. The client computer displays the expiration date based on the read result.

The present invention can take various modes. For example, the present invention may be configured as a transaction processing method in the above-mentioned automatic transaction device, or may be configured as a computer program for causing a computer to realize such a function. May be. Further, it may be configured as a storage medium storing such a computer program. Here, as the storage medium, a flexible disk, a CD-ROM,
DVD, magneto-optical disk, IC card, IC chip, R
Optically, magnetically, and electrically readable by computers such as OM cartridges, punched cards, printed materials on which codes such as bar codes are printed, computer internal storage devices (memory such as RAM and ROM), and external storage devices. Mediums are available. Further, in the present invention, the various features described above can be appropriately combined.

[0015]

BEST MODE FOR CARRYING OUT THE INVENTION Embodiments of the present invention will be described below in terms of the following items. A. System configuration: B. Deposit / withdrawal processing: C. Modification of deposit / withdrawal process: D. Other variants:

A. System Configuration: FIG. 1 is an explanatory diagram showing a schematic configuration of an automatic transaction device as an embodiment. The automatic transaction device is a device that is installed in a financial institution such as a bank and that performs an automatic deposit / withdrawal process according to a user's operation. The deposit / withdrawal process includes, for example, deposit in a user's account, withdrawal from the account, and a loan. In the following embodiments, an automatic transaction device will be described by taking a case of performing deposit / withdrawal processing as an example.The automatic transaction device as an example is a device for performing transactions other than deposit / withdrawal such as issuing a certificate at a public institution. It is also possible to configure.

The automated teller machine (hereinafter referred to as ATM) 100 of the embodiment is applicable to a card 10 (hereinafter referred to as an IC card) having an IC chip in addition to a magnetic stripe. A so-called multi-stripe card provided with a plurality of magnetic stripes is also applicable. The IC card 10 is illustrated in the figure. The card 10 includes two magnetic stripes 11 and 12, a contact type IC chip 13 and a non-contact type IC chip 14. Magnetic stripe 1
Account designation information such as an account number and a password is recorded for each of the accounts 1 and 12. On the magnetic stripes 11 and 12, identification information for indicating the card type is also recorded. This identification information has a content that can uniquely specify whether or not the IC chip is mounted and the card insertion direction in the multi-stripe.

The IC chips 13 and 14 record a plurality of account designation information and expiration dates. In some cases, a part of the account designation information duplicates the information recorded on the magnetic stripes 11 and 12. In the present embodiment, the description will be made assuming that the expiration date is set for each account, but the expiration date may be set for the entire card, or may be set for each transaction content such as a bank account or credit. May be. In addition, the transaction contents for which the expiration date is not set may be included in part.

The ATM 100 is equipped with the following units in the arrangement shown. The card handling mechanism 105 is
It has the function of reading the information recorded on the magnetic stripe of the C card and the IC chip. Passbook handling mechanism 106
Has a function of reading information from a magnetic stripe attached to a passbook and a function of entering transaction results.

The operation unit 103 is an interface for displaying information for deposit / withdrawal transactions and for inputting operations for deposit / withdrawal. Although the touch panel is used in this embodiment, it may be configured by a combination of a display and a push button switch.

Banknotes are transferred to and from the user through the banknote deposit / withdrawal port 1
It will be held through 07. At the time of depositing, the banknotes inserted into the banknote deposit / withdrawal port 107 by the user are stored in the banknote handling device 1
It is classified by 10, and classified according to denomination and stored. At the time of withdrawal, the banknote handling apparatus 110 prepares banknotes for the amount of money instructed by the user, and delivers the banknotes from the banknote deposit / withdrawal port 107 to the user.

The ATM 100 can be provided with various units, not limited to the configuration illustrated here. For example, in addition to the above units, a unit for handling specifications,
A unit for performing voice guidance may be provided.

The operation of each unit of the ATM 100 described above is controlled by the control unit 120. The control unit 120 is configured as a microcomputer having a CPU and a memory inside. The control unit 120 exchanges information with each unit as indicated by an arrow in the figure, and controls the operation of the entire ATM 100. A
The TM 100 is connected to a host computer 200 of a financial institution via a communication line. Control unit 120
Performs processing relating to deposit / withdrawal while appropriately communicating with the host computer 200.

In the figure, functional blocks related to deposit / withdrawal processing in the control unit 120 are also shown. In this embodiment, each functional block is configured as software in the control unit 120 and controlled by the main controller 125. Each functional block may be configured as hardware.

The card information input section 123 controls the card handling mechanism 105 to input information from the magnetic stripe and the IC chip. The passbook information input / output unit 124 also controls the passbook handling mechanism 106 to input information from the passbook and record the passbook. The information input from the card or the like is transferred to the deposit / withdrawal processing unit 122 that controls the entire deposit / withdrawal processing via the main control unit 125.

The instruction input / output unit 121 controls the operation unit 103, displays menus and other screens for the user to operate, and inputs the operation result. Instruction input / output unit 1
21 also has a function of displaying a guide screen regarding the expiration date and update method of the card 10. The instruction input / output unit 121 stores screen data for realizing these screen displays.

The information input from the instruction input / output unit 121 is transferred to the deposit / withdrawal processing unit 122 via the main control unit 125. The deposit / withdrawal processing unit 122 appropriately communicates with the communication unit 126
These pieces of information are transmitted to the host computer 200 via the to perform deposit / withdrawal processing. Further, in the case of a transaction involving the exchange of cash, the deposit / withdrawal processing unit 122 causes the bill handling device 11
Controls 0 to send and receive cash.

The deposit / withdrawal process in this specification does not always involve the transfer of cash. For example, transfer of money amount information, such as transfer from a user's account to another account, is also included in the deposit / withdrawal process.

B. Deposit / Withdrawal Process: FIG. 2 is a flowchart of the deposit / withdrawal process. This is a process executed by the control unit 120. For convenience of explanation, it is assumed that the IC card is properly inserted.

The control unit 120 displays the initial menu on the operation unit 103 and inputs the selection result of the transaction item (step S10). FIG. 3 is an explanatory diagram showing a display example of the initial menu. As shown in the figure,
You can select "deposit" or "withdrawal". In addition, a "validity period confirmation" is provided as a menu for confirming the expiration date of the card. Not limited to the contents listed here, more transaction items may be selectable.

Next, the control unit 120 accepts the insertion of the card and reads the information of the IC chip (step S11). If "validity period confirmation" is selected as the transaction item (step S12), the control unit 12
0 displays the expiration date (step S13). There is an advantage that the user can easily confirm the expiration date of the IC card by selecting this transaction item.

FIG. 4 is an explanatory diagram illustrating the display of the expiration date. An example of a screen displayed on the operation unit 103 is shown. As shown in the figure, today's date, usage start date, and expiration date are displayed for the card. When a plurality of expiration dates are recorded in the IC chip for each account or transaction, each expiration date may be listed. In addition to this display, or instead of this display, as the expiration status, the remaining days until the expiration date and the remaining days until the renewal time are displayed, or the expiration date has expired In some cases, a warning mark indicating that may be displayed. In this way, the elapsed state of the expiration date may be qualitatively presented with a warning mark or the like not only for quantitatively presenting the remaining days but also for whether or not the expiration date has expired.

"Update" and "confirm" buttons are also displayed on the screen. When the user presses the "Update" button,
The control unit 120 determines that an update instruction has been issued (step S19), displays a guide for the update method (step S20), and ejects the card (step S2).
1), the process is completed. For guidance on how to update, for example,
Includes information such as contact information and contact point for updating the card. Together with these guides, the control unit 1
The 20 may communicate with the update window and automatically request the shipping of the application form used for the update. When a plurality of expiration dates are recorded on the IC chip, it is preferable to display this guide according to the expired account or transaction content. When "confirm" is pressed on the screen shown in FIG. 4, the control unit 120 determines that the update is not necessary (step S19), ejects the card (step S21), and completes the process.

When a transaction other than "validity period confirmation" is selected in step S12, the control unit 120 determines whether or not the validity period corresponding to the transaction content has passed (step S14). . When the expiration date has expired, the transaction cannot be continued, so the control unit 120 displays the expiration date (step S18). FIG. 5 is an explanatory diagram illustrating an expiration display. As shown, the reason why the transaction cannot be made and the expiration date of the card are displayed. Either one may be omitted from the viewpoint that it is sufficient if the user can recognize that the transaction cannot be performed due to the expiration. The "update" and "end" buttons at the bottom of the screen correspond to the "update" and "confirm" buttons in the expiration date display (Fig. 4), respectively.

When it is confirmed in step S14 that the expiration date is not reached, the control unit 120 displays the remaining period (step S15). The display method can adopt the same mode as the expiration date display (FIG. 4). In addition to this display, the number of days remaining until the expiration date,
It is also preferable to display the number of days remaining until the card update procedure can be performed. These displays can prompt the user to update the card. However, this display is not essential and can be omitted.

Next, the control unit 120 inputs transaction information such as a personal identification number and an amount of money according to the transaction content (step S16). Also, the account to be traded is selected from the plurality of accounts stored in the IC chip. When the necessary transaction information is input in this way, the control unit 120 performs deposit / withdrawal processing based on this information (step S1).
7). The deposit / withdrawal process varies depending on the transaction subject, but includes, for example, communication of deposit / withdrawal information to / from the account to be transacted to the host computer 200, creation of a transaction statement, entry in a passbook, transfer of cash, etc. Be done. When the deposit / withdrawal process is completed in this way, the control unit 120 ejects the card (step S21) and completes the process.

According to the automatic transaction device of the embodiment described above, the expiration date confirmation display (FIG. 4) and the expiration date display (FIG. 5) are displayed, so that the user can easily know the expiration date of the card. You can Therefore, it is possible to suppress the adverse effects such as the suspension of the transaction for unknown reasons.

In the embodiment, the case where the transaction is stopped when the expiration date of the card has expired has been illustrated. When the expiration date is recorded for each account or transaction content, the user may be allowed to select another account or transaction content that has not expired before the transaction is stopped.
These processes can be realized by shifting to step S10 after steps S19 and S20, for example. At this time, it is preferable to retain information about the expired account or transaction, and delete the information from the initial menu. By doing so, it is possible to avoid selecting the same account or transaction content again.

C. Modified example of deposit / withdrawal process: FIG. 6 is a flowchart of a deposit / withdrawal process as a modified example. The processing after step S12 in the embodiment (FIG. 2) is shown. In the embodiment, the transaction is stopped when the card has expired, but the modification is different in that the transaction is allowed to continue under certain conditions.

As shown in the figure, the control unit 120, when the card has expired (step S14),
After the expiration is displayed (step S18), it is determined whether the transaction can be continued (step S19).
A). The conditions for judgment are illustrated at the upper part of the figure. Here, "the number of days after the deadline has passed" is within 30 days, and "the number of transactions after the deadline" is 2 or less,
Four conditions are set: "Transaction amount" is 50,000 yen or less and "Transaction subject" is other than credit. If all of these conditions are satisfied, it will be allowed to continue the transaction even if the card has expired. The condition for allowing the continuation of the transaction is not limited to this, and various settings can be made.

When it is determined that the transaction is possible, the control unit 120 determines that the transaction is possible (step S1).
9A), transaction information is input (step S16), and deposit / withdrawal processing is performed (step S17). In the process up to the entry of transaction information, a guide saying "The card has expired, but allows transactions exceptionally" is displayed.
It is preferable to prompt the user to update the card.

According to the processing of the modified example, even if the expiration date of the card has expired, the transaction can be continued under certain conditions. Since the user only has to carry out the desired transaction and then performs the card renewal procedure, the convenience can be improved. D. Other Modifications: In the embodiment, a configuration example as a so-called ATM installed in a financial institution or the like is shown. The automatic transaction device of the present invention can also be configured by a client computer installed on a network.

FIG. 7 shows an automatic transaction device 300 as a modified example.
It is an explanatory view showing a schematic configuration of. Automatic transaction device 300
Is configured as a client computer connected to the Internet INT. Automatic transaction device 300
Realizes various transactions by exchanging information with a host computer 200 provided on the Internet and managed by a financial institution.

The automated teller machine 300 can be constructed by installing a predetermined agent software in a general-purpose personal computer having a network access function. A card reader 301 is connected to this client computer, and information can be read from the card 10 equipped with a magnetic stripe and an IC chip. A passbook operating mechanism may be connectable.

The client computer has an HTML
A browser for browsing Web pages provided in other languages, such as a browser, is installed.
Realize through the page. The information transmitted from the client computer to the host computer 200 includes information read from the card 10 and various operation results related to transactions such as designation of an account and an amount of money. The information transmitted from the host computer 200 to the client computer includes an operation screen provided in the form of a Web page, a control signal for controlling the operation of the card reader 301, and the like.

In the automatic transaction device 300, functional blocks such as an instruction input unit 321, a deposit / withdrawal processing unit 322, a card information input unit 323, a communication unit 324, and a main control unit 325 are software as in the case shown in FIG. It is configured to
The passbook information input / output unit is not shown here because the passbook operation mechanism is not provided. The function realized by each functional block is the same as that of the embodiment (FIG. 1).

For example, the instruction input / output unit 321 presents the operation screen in the form of a Web page to the client computer and inputs the operation result based on the click of the mouse or the like. Further, a display regarding the expiration date of the card 10 is also displayed (see FIGS. 4 and 5). The screen data for guidance may be stored in advance in the client computer together with the software that realizes the illustrated functional blocks, or may be downloaded from the host computer 200 as appropriate.

Although various embodiments of the present invention have been described above, it is needless to say that the present invention is not limited to these embodiments and various configurations can be adopted without departing from the spirit of the invention. For example, the above control processing may be realized by hardware as well as software.

[0049]

According to the present invention, the user can easily know the expiration date of the IC card, and even if the transaction is canceled due to the expiration of the expiration date, the subsequent action can be easily taken. Become.

[Brief description of drawings]

FIG. 1 is an explanatory diagram showing a schematic configuration of an automatic transaction device as an embodiment.

FIG. 2 is a flowchart of deposit / withdrawal processing.

FIG. 3 is an explanatory diagram showing a display example of an initial menu.

FIG. 4 is an explanatory diagram illustrating an expiration date display.

FIG. 5 is an explanatory diagram illustrating an expiration display.

FIG. 6 is a flowchart of a deposit / withdrawal process as a modified example.

FIG. 7 is an explanatory diagram showing a schematic configuration of an automated teller machine 300 as a modified example.

[Explanation of symbols]

10 ... Card 11, 12 ... Magnetic stripe 13, 14 ... IC chip 100 ... Automatic transaction device 103 ... Operation unit 105 ... Card handling mechanism 106 ... Passbook handling mechanism 107 ... Banknote deposit / withdrawal port 110 ... Banknote handling device 120 ... Control unit 121 ... Instruction input / output unit 122 ... Deposit / withdrawal processing section 123 ... Card information input section 124 ... Passbook information input / output unit 125 ... Main control unit 126 ... Communication unit 200 ... Host computer 300 ... Automatic transaction device 301 ... Card reader 321 ... Instruction input / output unit 321 ... Instruction input unit 322 ... Deposit / withdrawal processing section 323 ... Card information input section 324 ... Communication unit 325 ... Main control unit

Claims (5)

[Claims] 1. An automatic transaction apparatus for executing a transaction based on information of a card equipped with an IC chip, comprising: an information reading unit for reading the expiration date of the card from the IC chip; An automatic transaction device, comprising: a presentation unit that presents at least one of a deadline and a status of the expiration date. 2. The automatic transaction device according to claim 1, wherein a plurality of expiration dates are recorded in the IC chip according to transaction contents, and the presenting unit is designated in the process of the transaction. An automatic transaction device that performs the above-mentioned presentation according to the transaction content. 3. The automatic transaction apparatus according to claim 1, wherein the presenting unit guides a method of updating when the expiration date corresponds to a preset card update time. . 4. The automatic transaction apparatus according to claim 1, further comprising a confirmation request input unit for inputting the confirmation request for the expiration date, wherein the presenting unit presents the expiration date in response to the confirmation request. Automatic transaction equipment to do. 5. An automatic transaction device for executing a transaction based on information of a card equipped with an IC chip, comprising: an information reading unit for reading the expiration date of the card from the IC chip; An automatic transaction device including a transaction processing unit that permits the continuation of a transaction under certain conditions when the time has passed.