JP2003281606A - Transaction terminal device and transaction system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To easily carry out transactions between a plurality of bank accounts whose owners are different from each other, and to easily manage and restrict contents of the transactions between the accounts. <P>SOLUTION: A customer (a) sets up a code number and transaction restriction on an automatic teller machine 110 in order to allow the customer (a) to carry out transactions to a customer (b)'s account. After the set-up, the customer (b) is able to carry out receipt/payment transactions to the customer (a)'s account by inserting the customer (b)'s own transaction card into a card processing part 102 and inputting a code number of the customer (b)'s own account and a code number of the counterpart's account specified by the customer (a) from an operation/display part 101. <P>COPYRIGHT: (C)2004,JPO

Description

Detailed Description of the Invention

[0001]

TECHNICAL FIELD The present invention relates to a cash automatic transaction system and a cash automatic transaction device.

[0002]

2. Description of the Related Art A conventional device is disclosed in Japanese Patent Laid-Open No. 2001-1552.
As described in No. 22, when a third party conducts a transaction with a customer's account, the customer's transaction card and the third party's transaction card are loaded into the automated teller machine to identify the third party. I had to enter my PIN. In addition, JP-A-1
As described in No. 1-339111, a disposable card in which personal data of a third party is input is issued, and a transaction is carried out using the card.

[0003]

In the above-mentioned prior art, since a transaction card or a disposable card for issuing a transaction by a third party is issued, the card must be issued when the transaction is permitted to the third party in advance. It was necessary to send or hand it.

An object of the present invention is to allow a customer having an account to easily permit a deposit / withdrawal transaction performed by another customer with an account owned by the customer. further,
It is to provide a cash transaction device having an input / output function capable of managing and limiting transaction details between other accounts, enabling transactions with other accounts, and an authentication function for authenticating transactions between other accounts. .

[0005]

In the automatic cash transaction system according to the present invention, it is possible to set whether or not a customer in a previous account can make a transaction, a personal identification number for performing the transaction, a transaction content limitation between target accounts, and the like. The upper host computer has a storage device capable of storing the transaction restrictions and the like. In addition, a display function for storing the history of transactions with other accounts in the same storage device and displaying the history,
It also has a print function that can print the history.

[0006] Without using the transaction card of the customer a or the disposable card in which personal data is input, the personal identification number of the account of the customer b and the customer of the account of the transaction destination are used by the transaction card of the customer b. Allow deposit / withdrawal transactions by entering the PIN number notified by a.

[0007]

BEST MODE FOR CARRYING OUT THE INVENTION Embodiments of the present invention will be described below with reference to the drawings.

FIG. 1 is an example of a block diagram of a transaction system according to the present embodiment. The transaction system has an automated teller machine (110) which is a trading terminal, and a host computer (111) which is an upper station connected to the automated teller machine (110) by a communication means.

The automated teller machine (110) displays an operation instruction to a customer and information to the customer, and an operation / display unit (10) for receiving an instruction from the customer.
1), a card processing unit (1) for handling transaction cards, etc.
02), a bill processing unit (103) for depositing and withdrawing and storing bills, a coin processing unit (104) for handling coins, a journal processing unit (105) for recording journals, acceptance of a passbook, bookkeeping, etc. A passbook processing unit (106), a detailed table processing unit (107) for printing a detailed list and transaction history with other accounts, which will be described later, a connecting unit (109) for connecting to the host computer (111), and processing for each unit. A central processing unit (100) for issuing instructions, a storage device (1) for storing data.
08). The host computer (111) shown in FIG. 2 is an external view of the automatic cash processing apparatus having the function shown in FIG. 1. The host computer (111) stores the contents and history of transactions with other accounts, which will be described later. The device (112) and a connection part (not shown) for communicating with the automatic cash processing device are provided.

The main processing in this embodiment is a processing for setting the transaction contents permitted by a customer to a third party, a processing for conducting a transaction of a customer's account with a third party, and a customer's own account. The process is roughly divided into the process of confirming the contents of transactions performed by a third party. Each of the three processes will be described below with reference to the drawings.

First, referring to FIG. 3, a customer a of an account A
The process of allowing the customer b who owns the account B to make a deposit / withdrawal transaction for the account A will be described.

The customer a uses a card / passbook reading mechanism (20) mounted on the automatic teller machine (201) shown in FIG.
Insert your own account card or passbook into 3) (301).
The central processing unit (100) reads the account data from the inserted card or passbook from the card processing unit (102) or the passbook processing unit (106), determines that the transaction is performed by the owner of the main account, and operates / displays the unit. Prompt for a personal identification number from (101). Customer a is a customer operation panel (202)
Enter the personal identification number by using (302).

The automated teller machine (110) is connected to the host computer (111) through the connection unit (109) by communication (303) with the center. Further, the customer data stored in the storage device (112) of the host computer is acquired, and the customer a who owns this account A is confirmed. At this time, if the personal identification number is wrong,
The screen shown in is displayed on the display screen (203).

After the input, the screen shown in FIG. 4 is displayed. The screen shown in FIG. 4 is a transaction selection screen. In addition to the normal transaction selection button (401), the screen has a button (402) for performing a transaction with another account. In this case, the customer a selects the latter button because it relates to the transaction with another account.

The screen displayed next is the screen shown in FIG. The screen shown in FIG. 5 is a screen for selecting a transaction with another account. On the screen, a button to select transactions with other accounts (50
1) and a button (502) for setting the transaction content.
In the case of setting the conditions for the transaction, the customer a selects the latter button (502) for setting the transaction content (30).
4).

After the input, the screen shifts to the screen shown in FIG. Figure 6
Is a supplier account number input screen. Here, the customer a inputs the account number of the customer by using the number input button (602). In other words, enter the account number in the name of a third party that permits transactions with your own account. When the input is completed, the confirmation button (603) is selected (305).

After the input, the screen shown in FIG. 7 is displayed. The screen of FIG. 7 is a transaction restriction screen. On the screen, buttons for contents to be restricted are displayed (701, 70).
2). If there are no restrictions, third party transactions are possible for both withdrawals and deposits. Here, if there is no need to limit the transaction content, the customer a selects the button (702) not to limit the transaction (306). If you want to limit withdrawal only or deposit, select the respective button (701).

The screen displayed next is the screen shown in FIG. The screen shown in FIG. 8 is a transaction limit amount setting screen. Here, the customer a uses the amount input button (802) to set the transaction limit amount in the transaction limit amount input field (801). After setting, the confirmation button is selected (307). In addition,
Although not shown in FIG. 8, it may be possible to set a transaction limit.

After the input, the screen shown in FIG. 9 is displayed.
The screen shown in FIG. 9 is a transaction period setting screen. Here, the customer a uses the date / time input button (902) to enter a transaction start date / time input field (901) and a transaction end date / time input field (9).
Set the effective period of this transaction in 03). After setting, the confirmation button (904) is selected (308). Although not shown in FIG. 9, it is also possible to make a setting that does not define a tradeable period.

The screen displayed next is the screen shown in FIG. The screen of FIG. 10 is a personal identification number setting screen. Here, the customer a sets a personal identification number necessary for conducting a transaction by using the number input button (1002) in the personal identification number input field (1001). As will be described later, this personal identification number is used when a third party makes a transaction with the account of the customer a.
After setting, the confirmation button (1003) is selected to shift to the next screen (309).

The next screen is the screen shown in FIG. Figure 11
The screen shown in is a setting content confirmation screen. This screen is a screen for confirming the setting contents. The screen displays the settings that have been entered so far. The customer a confirms that the contents are correct (310), presses the confirmation button (1101), and performs center communication (311).

The information set by this center communication is
It is transmitted to the host computer (111) and stored in the storage device (112) of the host computer as customer data as shown in FIG.

With the above processing, in the present embodiment, the customer a is configured to input the setting data of the third party who approves the transaction in association with the data of the own account. It becomes possible to easily set transaction conditions by the three parties. By making such a setting, the account A of the customer a can accept the deposit / withdrawal transaction from the customer b.

Further, the security of the account of the customer a can be improved by enabling the setting of the personal identification number used by the third party. Further, it becomes possible to eliminate the need to notify the customer b of the personal identification number of the own account. This personal identification number may be the personal identification number of the account owned by the customer b, but a separate personal identification number can be set. In this way, the security of both accounts can be improved by the configuration in which the personal identification numbers of the customer a and the customer b are set.

In this embodiment, a transaction condition is set by a third party using an automatic transaction device. However, an Internet banking system is used to set the condition from a PC connected to the Internet. It is also possible to adopt a configuration in which it is performed. In that case, the PC becomes the transaction terminal. In that case, unlike the above-mentioned processing contents, since there is no card reader, the personal identification is performed by inputting the account number and the personal identification number.

Further, in the present embodiment, the account number of the customer who permits the transaction is used as the information for identifying the third party, but the present invention is not limited to this, and the account number of the customer may be other. It does not matter even if it belongs to a financial institution. In such cases, information is needed to identify the financial institution.

Although the transaction contents, transaction period, and transaction limit amount that are recognized by a third party are set, the present invention is not limited to these configurations. In addition, when the transaction with the account of another financial institution is permitted, the configuration may be such that the data is aggregated in one storage device to share the data, or the host computer of each financial institution has a storage device. Good. In that case, each financial institution may own the information set by the customer of the institution's own account and respond to the inquiry from the host computer of another financial institution. The financial institutions of the accounts may each have setting data.

In the above description, the setting of transaction conditions has been described, but it is also possible to change the already set contents. In that case, the already set contents are displayed as the setting contents confirmation screen of FIG. 11, and the contents can be edited.

Next, the customer b of a certain account B changes to another customer a.
A case of withdrawing from the account A owned by will be described with reference to FIG. It is assumed that the customer b is limited to withdrawing the transaction content by the customer a.

Customer b inserts his / her own account card into the automatic teller machine (201) shown in FIG. 2 (120).
1). The central processing unit (100) includes a card processing unit (10
From 2), the account data is read from the inserted card, it is determined that the customer is the customer b of the account B, and the input of the personal identification number is prompted. The customer b inputs his / her personal identification number from the operation / display unit (101) (1202). Since the process from the confirmation of the input of the personal identification number to the selection of the selection button (402) for performing a transaction with another account on the transaction selection screen of FIG. 4 is the same as the processing of FIG.

Selection button (40) for conducting transactions with other accounts
What is displayed after 2) is selected is the above-mentioned transaction selection screen with another account in FIG. On this screen, there are a transaction selection button (501) with another account and a selection button (502) with which the transaction content with another account can be restricted. In this case, since the transaction with the account A of the customer a is performed, the customer b selects the former (1204).

The screen displayed next is the one shown in FIG. FIG. 13 is a screen for inputting an account number and a personal identification number. Here, the customer b enters the account number of the account A in the account number input field (1301) and the personal identification number input field (1302).
Enter the PIN required to make a transaction using the number input button (1
303) to input. This personal identification number is the personal identification number set in step 309 of FIG. After the input, the confirmation button (1304) is selected (1205).

After that, the screen shown in FIG. 14 is displayed. The screen shown in FIG. 14 is a withdrawal amount input screen. Here, the customer b wants to withdraw money from the account A,
Enter the transaction amount using the amount input button (1402) (1
It inputs into 401) (1206).

After inputting, the confirmation button (1403) is pressed to communicate with the center (1207), and the account A stored in the storage device (112) of the host computer is stored.
The customer data of the customer a is referred to, and the personal identification number, transaction restriction, etc. set for the transaction with the account B set by the above-described procedure are confirmed.

If the desired transaction is not available, the screen shown in FIG. 19 is displayed. If the withdrawal amount exceeds the transaction limit, the screen shown in FIG. 20 is displayed. If the transaction is possible and the amount is within the limit, the bill processing unit (10
3), withdraw (1208) from the coin processing unit (104),
The operation ends.

After that, a communication (1209) is conducted with the center, and information such as time, place, trader, and withdrawal amount at the time of making a transaction is collected as a transaction history into customer data as shown in FIG. 22 and transmitted to the host. Computer storage device (11
Store in 2).

In this way, the customer b who has an account in his own name at a certain bank is authorized by the transaction card in his own name read by the card processing unit, and the host side permits the transaction with the account of another customer a. By checking whether or not it is possible, it is possible to trade with an account in the name of another customer without a special card. When a personal identification number for a third party is set when the transaction permission is set as in the present embodiment, the personal identification number for the third party is also information for identifying the customer b. The third party can carry out the transaction simply by notifying the third party of the set personal identification number. Further, if the personal identification number is not set, the third party can carry out the transaction without giving any notice to the third party.

In this embodiment, it is assumed that the customer a and the customer b are the same financial institution, but the customer a
21 and the account of customer b belong to different financial institutions.
You will own such data. Therefore, in the center communication (1207), if the host computer or the like identifies another financial institution, the other institution is inquired as necessary to obtain data.

In the above processing example, the customer b is limited to withdrawal only. Therefore, if the personal identification number for the account A is correct, FIG.
The transaction amount input screen is displayed, but if the customer b has no restrictions on the transaction content, the screen for selecting the transaction content is displayed with the configuration shown in FIG. 5, for example.
Needless to say, when the transaction that can be performed by the customer b is limited to the transfer, the transaction amount input screen of FIG. 14 is for inputting the transfer amount.

Next, a case where the customer a of the account A confirms the history of transactions with a certain account B will be described with reference to FIG.

The customer a inserts his / her own account card into the automatic teller machine (201) shown in FIG. 2 (1501).
The central processing unit (100) reads the account data from the card inserted by the card processing unit (102), determines that it is the customer a of the account A, and prompts the input of the personal identification number. From the input of the personal identification number to the selection button (402) for performing a transaction with another account on the transaction selection screen of FIG.
Since the processing is the same as that of step 1, the description thereof is omitted here.

Selection button (40) for conducting transactions with other accounts
When 2) is selected, the screen displayed next is the screen shown in FIG. On this screen, the transaction selection button (5
01), a selection button (502) that can limit the transaction contents with other accounts, and a transaction history confirmation selection button (503). In this case, the customer a selects the transaction history confirmation selection button (5
03) is selected (1504).

After the input, the automatic transaction apparatus communicates with the center (1505) and connects to the host computer (111) through the connection unit (109). Automatic transaction equipment,
The transaction history list with another account of the account A stored in the storage device (112) of the host computer is called up,
Display the screen shown in. Here, the transaction history with another account within one month is displayed on the screen, but the present invention is not limited to this. Customer a wants to check the details (1
601) is selected from the screen (1506).

After selection, center communication is performed (150
7), from the storage device (112) of the host computer,
The transaction history data stored as the customer data of the account A is displayed as the screen shown in FIG. Here, you can check the details about the transaction details. When it is desired to keep the details at hand, the print button (1702) is selected. When the print button (1702) is selected, the transaction statement is issued from the statement processing unit (107). When the detailed confirmation is completed, the confirmation button (1701) is pressed.

After the input, the screen returns to the screen shown in FIG. If the end button (1602) is selected here, the process ends.

By the above processing, it becomes possible for the customer to confirm the history of the transaction contents conducted by the third party and the account in the name of the customer.

[0047]

The present invention enables transactions between a plurality of accounts owned by different customers with its own card, and is expected to have the effect of easily managing and limiting transaction contents.
Also, it is possible to easily add / delete a transaction account.

[Brief description of drawings]

FIG. 1 is a block diagram of an automatic teller machine of the present invention.

FIG. 2 is an external view of an automatic teller machine embodying the present invention.

FIG. 3 is a flowchart showing transaction content setting with another account.

FIG. 4 is an example of a transaction selection screen.

FIG. 5 is an example of a transaction selection screen with another account.

FIG. 6 is an example of a supplier account number input screen.

FIG. 7 is an example of a transaction restriction screen.

FIG. 8 is an example of a transaction limit amount setting screen.

FIG. 9 is an example of a transaction period setting screen.

FIG. 10 is an example of a personal identification number setting screen.

FIG. 11 is an example of a setting content confirmation screen.

FIG. 12 is a flowchart of transaction processing from another account.

FIG. 13 is an example of an account number / password input screen.

FIG. 14 is an example of a withdrawal amount input screen.

FIG. 15 is a flowchart of transaction history confirmation with another account.

FIG. 16 is an example of a transaction history confirmation screen with another account.

FIG. 17 is an example of a transaction history details confirmation screen with another account.

FIG. 18 is an example of a screen display when the personal identification numbers are different.

FIG. 19 is a screen display example when an unavailable transaction is selected.

FIG. 20 is an example of a screen display when the usage limit amount or more is input.

FIG. 21 is an example of a data configuration inside a storage device.

FIG. 22 is an example of a customer history data structure.

[Explanation of symbols]

100: central processing unit, 101: operation / display unit, 102:
Card processing unit 103: bill processing unit, 104: coin processing unit, 105: journal processing unit 106: passbook processing unit, 107: schedule processing unit, 108:
Storage device 109: connection unit, 110: automatic teller machine, 111:
Host computer 112: Host computer storage device 201: Automatic cash transaction device, 202: Customer operation panel 203: Passbook / card reading mechanism 401: Normal transaction selection button, 402: Other account transaction selection button 501: Transaction selection with other account Button, 502: Transaction content setting button 601: Supplier account number input field, 602: Number input button, 603: Confirmation button 701: Transaction restriction setting button, 702: Transaction restriction no setting button 801: Transaction limit amount input field, 802 : Amount input button,
803: Confirmation button 901: Transaction start date and time input field, 902: Date and time input button, 903: Transaction end date and time input field, 904: Confirmation button 1001: PIN code input field, 1002: Number input button, 1003: Confirmation button 1301: Account Number input field, 1302: PIN input field 1303: Number input button, 1304: Confirmation button 1401: Transaction amount input field, 1402: Amount input button,
1403: Confirm button 1601: Transaction history table, 1602: End button 1701: Confirm button, 1702: Print button

Claims (6)

[Claims] 1. A transaction device for performing transaction processing, an input device for inputting identification information of a first customer, a control unit for confirming a first customer from the identification information of the first customer, and the control. A connection unit that acquires from the host computer the transaction setting information that the first customer is permitted for the account held by the second customer when the first customer is specified by the instruction of the department; A transaction apparatus comprising: a display unit that displays a screen for accepting a transaction of the first customer with respect to an account of the second customer according to transaction setting information. 2. The transaction device according to claim 1, wherein the control unit performs the transaction on the connection unit when a password for permitting transaction of the account of the second customer is input from the first customer. A transaction device characterized by instructing acquisition of setting information. 3. The transaction device according to claim 1, wherein the connection unit obtains from the host computer the transaction conditions permitted by the first customer for the account of the second customer, and the control unit A transaction device, wherein the transaction is permitted when the transaction details entered into the account of the second customer from the input device satisfy the transaction conditions. 4. A transaction device for performing account transaction processing, which is connected to a host computer and an input device for inputting identification information of a first customer who has an account, and confirms the first customer using the identification information. A transaction device, comprising: a connection unit for receiving information, and a display unit for displaying a screen for setting third party information for the account of the first customer when the first customer is confirmed. . 5. A host computer having a connection unit for communicating with a transaction terminal and a storage device for storing account information,
The storage device stores identification information of a third party who is permitted to make a transaction with the customer's account, and the inquiry from the transaction terminal approves the transaction of the third party with the customer's account from the identification information. A host computer characterized by: 6. A storage device that stores identification information of a third party authorized to trade with a customer's account, and information that authorizes a transaction of the third party with respect to the customer's account is transmitted in response to an inquiry from the trading terminal. A host computer having a first communication section, an input device for inputting identification information of the first customer, a control section for confirming the first customer from the identification information of the first customer, and the control A second communication unit for inquiring whether or not the first customer is authorized for the account held by the second customer when the first customer is specified by the instruction of the department; A transaction device comprising: a display unit that displays a screen for accepting a transaction of the first customer with respect to an account held by the second customer when a communication unit acquires the authorization information. Trading system