JP2006209422A - Automatic transaction device using transaction card to be used for transaction with customer of automatic teller machine or the like installed in store of financial institute or the like - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a means which can use a host device for performing normal customer address registration processing, and prevents the omission of the change of registered customer addresses. <P>SOLUTION: An automatic transaction device is configured to store the movable range of a customer as a movable zone, and to read card information such as the registered customer address or history of equipment used by the customer recorded in a transaction card, and to count outside-the range frequency when the customer is outside the movable zone, and the equipment installation address is within the same area from the plurality of equipment installation addresses of the history of the used equipment recorded in the transaction card, and to receive the change input of the registered customer address when the outside-the range frequency exceeds predetermined frequency, and to write the changed registered customer address in the transaction card. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

In general, the address of a customer who opened an account at a financial institution is registered in a host device installed in the center, and the customer registered address (referred to as a registered customer address) can be changed by the customer at the financial institution's window. This is done by going out and submitting a notification of address change.
In order to eliminate such trouble of going to the counter, the conventional automated teller machine is connected to the host host device storing the registered customer address via a communication line, and the customer is displayed on the customer operation unit. If you select a registered customer address change transaction from the transaction selection screen, you will be asked to insert the customer's transaction card and enter a PIN, and when the customer is confirmed by the PIN, the address change sent from the host device The registered customer address is changed and registered through an input screen or the like (see, for example, Patent Document 1).
JP 2002-342589 A (mainly second page paragraph 0006-3 page third paragraph 0017, FIG. 1)

  However, in the technique of the above-mentioned Patent Document 1, the transaction selection screen displayed on the customer operation unit always displays a selection button for a registered customer address change transaction, and when the customer selects it, the center host Address change registration is performed according to the instructions while communicating with a host device such as a computer or a database server, so even for most customers who do not need to change the registered customer address, the transaction selection screen appears as a registered customer. In other words, the user is prompted to input for changing the address. In other words, there is a problem that it is impossible to prompt the customer to change the registered customer address (referred to as the address change target person) for the address change.

  In addition, a financial institution or the like selectively displays the address change target person (for example, because the direct mail has not arrived) and displays an input screen for changing the registered customer address. Even so, it is expected that such an operation that always selects a customer or a system that can be performed mechanically will require a great deal of labor. For this reason, it is impossible or considerably difficult for a financial institution or the like to display an input screen for changing the registered customer address only for the address change subject.

  An object of the present invention is to solve the above-mentioned problems, and the automatic transaction apparatus side independently determines the address change target person in order to change the registered customer address only to the address change target person. It prompts for input.

  In order to solve the above problems, the present invention provides an automatic transaction apparatus for reading a registered customer address of a customer recorded on a transaction card, storing a movable range of the customer as a movable area, Means for reading a plurality of device installation addresses in the history of use devices recorded on the card; means for reading the movable area; and from the plurality of apparatus installation addresses, outside the read movable area and the apparatus installation address Means for counting the number of out-of-service times within the same area, means for accepting a change input of a registered customer address when the counted number of out-of-service times exceeds a predetermined number, and the transaction for the changed registered customer address. Means for writing on a card.

  As described above, the present invention records the use device history on the transaction card, and automatically accepts the change input of the registered customer address using the out-of-service number counted by the device installation address of the use device history. Registered customers when the automatic transaction device can determine the address change target person in person and the address of the customer is moved by moving etc. with the need to change the registered customer address only to the address change target person The effect that it is possible to prevent omission of address change is obtained.

  Embodiments of an automatic teller machine according to the present invention will be described below with reference to the drawings.

FIG. 1 is a flowchart showing a customer address changing process of the embodiment, FIG. 2 is a block diagram showing an automatic teller machine of the embodiment, and FIG. 3 is a perspective view showing an automatic teller machine of the embodiment.
2 and 3, reference numeral 1 denotes an automatic teller machine as an automatic transaction apparatus, which is used in a bank or other financial institution, a post office, a convenience store, etc. (referred to as a financial institution, etc.) or a post office. Installed and automatically conducts cash transactions with customers.

  Reference numeral 2 denotes a host computer as a host device installed in a center such as a financial institution, and is connected to an automatic teller machine 1 installed in a store so as to be communicable via a communication line 3 such as a dedicated line or a telephone line. The customer information database 4 for storing customer information such as the account number of the customer's account, its personal identification number, the account balance, and the customer's registered customer address and telephone number is stored, and the customer's account, registered customer address, etc. to manage.

Reference numeral 5 denotes a main control unit of the automatic teller machine 1, which is connected to the host computer 2 through the communication line 3, and controls each part in the automatic teller machine 1 to execute transaction processing and data communication. And so on.
A storage unit 6 stores a program executed by the main control unit 5, various data used for the program, processing results by the main control unit 5, and the like.

Reference numeral 7 denotes a customer operation unit, which is composed of a combination of a display screen such as a CRT or LCD and a position signal detecting means such as a touch panel. The display screen includes a transaction selection screen, various input screens, and a screen for prompting customer actions In addition, the position signal detection means accepts input from the customer.
8 is a card handling unit that reads / writes card information recorded on an IC chip of an IC card type transaction card such as a customer's cash card inserted through the card insertion slot 8a by contact or non-contact means. And has a function of printing transaction contents on a statement slip.

The card handling unit 8 may be additionally provided with a function function for reading and writing the card information of the magnetic card type transaction card.
9 is a bankbook handling unit, which has a function of reading and writing the bankbook information recorded in the magnetic stripe of the customer's bankbook inserted from the bankbook insertion slot 9a, and also has a function of recording transaction contents in the customer's bankbook. ing.

Reference numeral 10 denotes a banknote deposit / withdrawal unit, which accepts a banknote inserted by a customer through the banknote deposit / withdrawal port 10a, discriminates and counts it, stores it, counts the banknote to be paid to the customer, and discharges it from the banknote deposit / withdrawal port 10a. It has a function to deliver to customers.
Reference numeral 11 denotes a coin deposit / withdrawal unit which accepts coins inserted by a customer through a coin deposit / withdrawal port 11a, discriminates and counts them, stores them, counts the coins paid to the customer, and discharges them from the coin deposit / withdrawal port 11a. It has a function to deliver to customers.

A journal printer 12 has a function of printing and storing a history of transaction processing with a customer by the automatic teller machine 1.
The above host computer 2 usually updates the registered customer address with the registered address when the customer's registered address at the time of opening a new account or the address change notification of the registered customer address is submitted to the window. A customer address registration process program is installed.

  In the storage unit 6 of the automatic teller machine 1 described above, a transaction (referred to as a card transaction) that is performed using a transaction card such as a withdrawal transaction in a normal transaction processing program for performing various transactions with a customer in advance. .), A business process execution program to which an application program having a function of performing a customer address change process for changing the registered customer address of the customer is added, and a business process executed by the main control unit 5 is stored. Each function means as hardware of the automatic teller machine 1 of this embodiment is formed by each step of the execution program.

  In addition, the storage unit 6 has a range in which the customer can move (referred to as a movable zone) corresponding to the location of the registered customer address from which the customer can normally move by commuting, for example, the location Is stored in a movable area data table describing a range determined in consideration of traffic and the like within a radius of 50 km. In this embodiment, the location area is determined in units of cities, counties or wards, and the movable area is determined in units of prefectures.

  Further, the storage unit 6 stores the number of uses of the automatic teller machine 1 within the same area outside the movable area for estimating that the customer's address needs to be changed during the customer address changing process of the present embodiment. Number of judgments (for example, 3 times) that are the thresholds of codes, code comparison tables for converting these into respective codes by prefecture, city, county, ward, character, chome, mail that stores the address corresponding to the postal code Number table, card transaction list that describes the type of card transaction such as withdrawal transaction, balance inquiry transaction, transfer transaction, card transfer transaction, etc., and the store number of the store where the cash dispenser 1 is installed, and the address of the store A prefecture code and a city / district code of an apparatus installation address and a machine number of the automatic teller machine 1 are stored in advance.

In the IC chip of the above customer's transaction card, the account information such as the account number of the customer's account as the card information and the personal information of the customer, and the history of the customer using the automatic teller machine 1 using the transaction card (use device) Is called history).
As shown in FIG. 4, the personal information of this embodiment includes the customer's name, kanji name, date of birth, gender and registered customer address, prefecture code, city / district code, letter chome code, address, building, and bill , Kanji address, phone number, mail address, etc.

In addition, as shown in FIG. 5, the use device history includes the date of use using the automatic teller machine 1, the prefecture code of the device installation address, the municipality code, and the automatic teller machine 1 used. The store number of the store and the machine number of the automatic teller machine 1 are assigned as a set, and these are arranged in the order of the date of use.
The operation of the above configuration will be described.

In this embodiment, when a customer makes a contract for opening a new account with a financial institution, an IC card type transaction card is supplied to the customer from the financial institution, and the customer's account information and personal information are recorded on the IC chip. As a result, a writing area for the used device history is secured.
In the following, with reference to the flowchart shown in FIG. 1, the customer address change process according to the present embodiment will be described by taking the withdrawal transaction process as an example according to the step indicated by S.

When a staff member of a store such as a financial institution turns on the automatic teller machine 1 at the start of business or the like, the business process execution program stored in the storage unit 6 of the automatic teller machine 1 is automatically started.
When the business process execution program is started in S1, the main control unit 5 of the automatic teller machine 1 displays the transaction selection screen shown in FIG. 6 on the screen of the customer operation unit 7 by the business process execution program and stands by.

  On the transaction selection screen, a message prompting you to press the transaction selection button, a “draw” button for withdrawal transactions, a “deposit” button for deposit transactions, and a “transfer” button for transfer transactions , "Transfer" button for transfer transaction, "Balance inquiry" button for balance inquiry transaction to inquire account balance, "Passbook entry" button for passbook entry transaction to book transaction data not filled in passbook A transaction selection button for selecting a transaction such as is displayed.

In this embodiment, the customer selects a withdrawal transaction from the screen of the customer operation unit 7 and presses a “draw” button on the touch panel.
S2, the main control unit 5 that recognizes the transaction selected by the customer as a withdrawal transaction based on a position signal from the touch panel, etc., reads the card transaction list in the storage unit 6, and the transaction selected by the customer is included in the card transaction list If yes, the process proceeds to step S3.

If the transaction selected by the customer is not included in the card transaction list, normal transaction processing for that transaction is performed according to the transaction selected by the customer. Since the operation of the transaction process in this case is the same as the operation of the normal transaction process, description thereof is omitted.
The main control unit 5 that has finished executing the normal transaction process ends the transaction process, returns to step S1, displays the transaction selection screen on the screen of the customer operation unit 7, and stands by.

In S3, the main control unit 5 that has recognized the transaction selected by the customer as a withdrawal transaction based on a position signal from the touch panel, etc., displays a word on the screen of the customer operation unit 7 to prompt the insertion of the transaction card shown in FIG. The transaction card insertion request screen is displayed, and the customer inserts the transaction card into the card insertion slot 8a of the card handling unit 8 according to this.
At this time, the main control unit 5 reads card information such as account information, personal information, and device history recorded on the IC chip of the transaction card by the card handling unit 8 and temporarily stores the read card information in the storage unit 6. To do.

In step S4, the main control unit 5 that has read the card information displays a password input screen shown in FIG. 8 on the screen of the customer operation unit 7.
On the personal identification number input screen, a message for prompting the input of the personal identification number, a personal identification number display field, a numeric keypad for the input, a “correction” button for correcting an input error, and the like are displayed.
The customer inputs a password using a numeric keypad.

S 5, the main control unit 5 that has recognized the input of the personal identification number displays a withdrawal amount input screen shown in FIG. 9 on the screen of the customer operation unit 7.
On the withdrawal amount input screen, the text prompting the withdrawal amount input and the withdrawal amount display field and the numeric keypad for the entry, the “10,000” key, “1000” key for entering the unit of the amount, A “yen” key, a “correction” button for correcting an input error, and a “confirmation” button for instructing the end of input of the withdrawal amount are displayed.

The customer inputs the withdrawal amount using the numeric keypad and presses the “confirm” button.
In step S <b> 6, the main control unit 5 that has recognized the input of the withdrawal amount performs a withdrawal transaction process with the host computer 2.
That is, the main control unit 5 displays a standby request screen displaying a word prompting standby for a while on the screen of the customer operation unit 7, and the PIN number and withdrawal amount entered in the account information of the transaction card. An attached transaction message is created and transmitted to the host computer 2 via the communication line 3.

  The host computer 2 that has received the transaction message searches the customer information in the customer information database 4 based on the account information included in the transaction message for customer authentication, and the corresponding customer information PIN and the transaction message PIN. If the PIN matches, the customer is authenticated, and if there is no shortage in the account balance, a transaction approval / disapproval message with a transaction permission message is created and the account balance of the corresponding customer information is Update. If the PINs do not match or if the account balance is insufficient, a transaction disapproval message that does not permit transactions with the contents of each transaction attached is created.

The host computer 2 that has created the transaction approval / disapproval message transmits it to the automatic teller machine 1 as a transmission source via the communication line 3. The main control part 5 of the automatic teller machine 1 which received the transaction propriety message ends the communication process of the withdrawal transaction.
S7, the main control unit 5 proceeds to step S9 when the received transaction propriety message is a transaction permission transmissible message, and proceeds to step S8 when the transaction permission message is not permitted.

In S8, the main control unit 5 that recognizes the transaction with the customer as non-permitted by the transaction propriety message executes a transaction non-permission process.
That is, the main control unit 5 displays a transaction disapproval screen that displays a transaction disapproval message and a message prompting confirmation of the content on the screen of the customer operation unit 7 based on a transaction disapproval message. The customer confirms the content and performs a confirmation operation.

Recognizing the confirmation operation, the main control unit 5 displays a screen prompting receipt of the transaction card, ejects the transaction card from the card insertion slot 8a of the card handling unit 8, and confirms that the customer has received them. The transaction process is terminated, and the process returns to step S1 to display a transaction selection screen on the screen of the customer operation unit 7 and wait.
In step S9, the main control unit 5 that recognizes that the transaction with the customer is permitted by the transaction availability message, executes the withdrawal process.

That is, the main control unit 5 displays a wording or the like indicating that the withdrawal process is performed on the screen of the customer operation unit 7, and cash corresponding to the entered withdrawal amount is sent to the banknote deposit / withdrawal unit 10 and the coin deposit / withdrawal unit 11. Are then counted and fed out, and these are accumulated in the banknote deposit / withdrawal port 10a and the coin deposit / withdrawal port 11a and temporarily held.
In parallel with this, the main control unit 5 creates print data based on the transaction contents and the like, and sends this to the card handling unit 8 to print the statement slip.

S10, The main control unit 5 that has finished collecting cash and printing the statement slip reads the personal information and the device history from the card information temporarily stored in the storage unit 6, and obtains the city code of the registered customer address of the personal information. Based on the location area of the registered customer address based on the specified location area, the movable area is read from the movable area data table in the storage unit 6.
And the prefecture code | cord | chord of the apparatus installation address outside the movable area of a movable area is extracted from the use apparatus log | history of card information, and the number of the apparatus installation addresses outside the area which are the apparatus installation address of the same area is counted as out-of-area frequency. In the present embodiment, the same area is defined as a prefecture unit, and the main control unit 5 counts the number of out-of-service areas while confirming the match based on the prefecture code of the device installation address outside the service area.

The main control unit 5 that has counted the out-of-service count reads the determination count (three times in the present embodiment) from the storage unit 6, and if the counted out-of-service count exceeds the read determination count, it is necessary to change the registered customer address. It is estimated that the customer is an address change target person, and the process proceeds to step S11. When the out-of-service count is less than or equal to the determination count, it is determined that the registered customer address does not need to be changed, and the process proceeds to step S15.
S11, the main control unit 5 having determined that the customer is the address change target person, instructs the screen of the customer operation unit 7 to ask whether or not to change the registered customer address shown in FIG. The address change necessity selection screen displaying the “Yes” button and the “No” button is displayed. Thereby, the main control unit 5 of the automatic teller machine 1 can automatically determine and notify the customer of the necessity of changing the registered customer address, and can make the customer aware of the necessity.

The customer presses the “Yes” button when changing the registered customer address, and presses the “No” button when there is no need to change the registered customer address.
In step S12, the main control unit 5 that recognizes the button selected by the customer based on the position signal from the touch panel determines that the registered customer address needs to be changed when the recognized button is the “Yes” button, and proceeds to step S13. To do. If the recognized button is a “No” button, it is determined that the registered customer address does not need to be changed, and the process proceeds to step S15.

In S13, the main control unit 5 that determines that the registered customer address change input is necessary displays the address change input screen shown in FIG. 11 on the screen of the customer operation unit 7 in order to accept the registered customer address change input.
On the address change input screen, the wording that prompts you to change the address and the postal code display field, the numeric keypad for the input, and the “correct” button to correct the input error, and the address by the input postal code A “confirm” button or the like is displayed for confirming the input contents in the display field and the address display field and instructing the end of the input. The customer inputs the postal code using a numeric keypad.

The main control unit 5 that has recognized the input of the zip code reads the address of the corresponding zip code from the zip code table in the storage unit 6 and displays it in the address display column. The customer who confirms the input contents by the address displayed in the address display field presses the “confirm” button.
The main control unit 5 that has recognized the pressing of the “confirm” button by a position signal from the touch panel, etc., corrects input mistakes such as a numeric keypad or kana character key for inputting an address, a building number, a letter, etc. as the next screen. The address etc. input screen displaying the “correction” button and “confirmation” button for instructing the end of input is displayed, and the customer inputs necessary items using the numeric keypad or kana character key and presses the “confirmation” button. .

  S14, the main control unit 5 which has recognized the change input of the registered customer address, divides the address read from the postal code table based on the confirmed address into the prefecture, city, county, ward, character, chome, and stores the storage unit 6 Each code is read out from the code comparison table, and the address, the building number, and the bill entered in the code are added to create a change address data of the registered customer address, and this is used for the transaction card inserted in the card handling section 8. The registered customer address on the IC chip is overwritten and written, and the registered customer address change notification with the changed address data attached to the account information is transmitted to the host computer 2 via the communication line 3 and the process proceeds to step S15.

The host computer 2 that has received the registered customer address change notification identifies the customer information of the corresponding customer in the customer information database 4 based on the account information of the registered customer address change notification by a normal customer address registration processing program, and registers it. The registered customer address is updated by rewriting the changed customer address data with the received customer address.
S15, the main control unit 5 that has determined that the change input of the registered customer address is unnecessary or has written the changed address data of the registered customer address in the transaction card, recognizes the current date by the timer function, and the storage unit 6 Stores the store number where the automatic teller machine 1 is installed, the prefecture code and municipality code of the device installation address, and the machine number of the automatic teller machine 1 and uses the recognized current date A set of device history is created by attaching the store's store number, the prefecture code of the device installation address, the city / district code, and the machine number of the automated teller machine 1 to this, and the IC chip of the transaction card Device using transaction chip IC chip inserted in card handling unit 8 using device history with number added to “1” added to device usage history number recorded at end of device usage history writing area History writing area Written following the already written and are used device history.

S16, the main control unit 5 that has written the use device history displays a transaction card etc. receipt request screen displaying a message prompting receipt of cash, transaction card, and statement slip shown in FIG. The cash that has been displayed and temporarily held is delivered to the customer by opening the banknote deposit / withdrawal port 10a and the coin deposit / withdrawal port 11a, and the transaction card and statement slip are discharged from the card insertion port 8a.
The main control unit 5 confirms that the customer has received them, ends the customer address change process in the withdrawal transaction, returns to step S1, displays the transaction selection screen on the screen of the customer operation unit 7, and waits. .

As explained above, in this embodiment,
Use device history is recorded on the transaction card, use device history is recorded on the transaction card, and the cash machine is out of the movable area from the device installation address of the use device history and the device installation address is in the same area Counting the number of times, and when the counted out-of-service count exceeds the predetermined number, the automatic teller machine will automatically determine the address change target person automatically by accepting the change input of the registered customer address Only the address change target person can be notified of the need to change the registered customer address, and the address change target person can be made aware of the necessity and input the change of the registered customer address, eliminating the troublesomeness of the customer. In addition, it is possible to prevent omission of change in registered customer address when the customer's address is moved due to moving or the like.

  In addition, the customer's registered customer address is recorded on the transaction card, and the automatic teller machine accepts the change input of the registered customer address read from the transaction card alone, and writes the changed registered customer address to the transaction card. As a result, if the same notification as the registered customer address change notification by the address change notification submitted to the general window is sent to the host computer or the like, the host device can perform a normal customer address registration processing program. The registered customer address can be changed and registered, and the registered customer address can be changed without stopping the host device and increasing the load on the host device. The labor required to check each function associated with the equipment can be reduced.

  In step S10 described above, the counting condition when counting the number of out-of-service areas has been described as the out-of-service frequency that is out of the movable area and the device installation address is in the same area. ) May be added. In this way, the number of out-of-service times can be considered as a frequency, and transactions outside the in-service area with less frequency can be eliminated, and the accuracy of estimating the necessity of changing the registered customer address can be improved.

In each of the above embodiments, the case of a withdrawal transaction as a card transaction has been described as an example, but the same applies to a case of a card transfer transaction, a balance inquiry transaction, or the like. The same applies to transactions in which a PIN is not entered, such as a deposit transaction using a transaction card.
Moreover, although demonstrated that the automatic transaction apparatus was an automatic teller machine, an automatic transaction apparatus is not restricted to the above, An unmanned contract machine, a ticket issuing apparatus, etc. may be sufficient. In short, any automatic transaction apparatus that performs transactions using a transaction card can obtain the same effect by applying the present invention to any automatic transaction apparatus.

The flowchart which shows the customer address change process of an Example Block diagram showing the automatic teller machine of the embodiment The perspective view which shows the automatic teller machine of an Example Example data structure of personal information in the embodiment Example of data structure of device history used in the embodiment Example of transaction selection screen display in the example Example of transaction card insertion request screen display in the example Example of password input screen display example Example of withdrawal amount input screen display in the example Example of address change necessity selection screen display example Example of address change input screen display example Example of transaction card receipt request screen display in the example

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Automatic teller machine 2 Host computer 3 Communication line 4 Customer information database 5 Main control part 6 Memory | storage part 7 Customer operation part 8 Card handling part 8a Card insertion slot 9 Passbook handling part 9a Passbook insertion slot 10 Banknote depositing / withdrawing part 10a Banknote depositing / withdrawing Cash slot 11 Coin deposit / withdrawal part 11a Coin deposit / withdrawal slot 12 Journal printer

Claims (2)

Means for reading the registered customer address of the customer recorded on the transaction card;
Means for storing the movable area of the customer as a movable area;
Means for reading a plurality of device installation addresses in the use device history recorded in the transaction card;
Means for reading the movable area;
Means for counting the number of out-of-service times where the device installation address is within the same area and out of the read-out movable area from the plurality of device installation addresses;
Means for accepting a change input of a registered customer address when the counted out-of-range number exceeds a predetermined number;
An automatic transaction apparatus comprising: means for writing the changed registered customer address on the transaction card. In claim 1,
A communicable connection to a host device that manages the registered customer address,
An automatic transaction apparatus comprising: means for notifying the changed registered customer address to the host apparatus.

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