JP2006251971A - Automatic teller machine - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To enable a customer to easily change an address registered in a financial institution in a short time only by operating an automatic teller machine without visiting counters of governmental agencies or those of financial institutions even when the address is changed, while the address of the customer registered in the governmental agencies corresponding to a certificate can be acquired by allowing the automatic teller machine read out characters described in the certificate of the customer. <P>SOLUTION: This automatic teller machine has a card handling part which acquires the information specifying an account stored in a customer's card for financial dealings, a character reading part which reads out the characters described in the certificate of the customer, and a control part which notifies the information specifying the account acquired by the card handling part and the characters included in the certificate read by the character reading part to a host device and changes the address of the customer. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to an automatic teller machine.

  Conventionally, automatic teller machines such as ATM (Automatic Teller Machine) have been arranged at branches of financial institutions such as banks, credit unions, post offices, and consumer finance companies. Then, the customer operates the cash automatic depositing / withdrawing machine by himself to perform financial transactions such as deposit, withdrawal, passbook entry, balance inquiry, transfer, transfer, remittance, and time deposit setting ( For example, see Patent Documents 1 and 2.) In this case, the customer conducts a financial transaction using a card such as a cash card issued corresponding to an account opened in the financial institution.

Currently, when opening an account with a financial institution, the customer as the account holder presents a certificate that can verify the identity of the driver, such as a car driver's license, and registers his / her address with the financial institution. There is a need. In addition, when changing an address registered with a financial institution, the customer first visits the office of a government agency such as a city office to obtain a resident card after the address change, and then at the counter of a branch of the financial institution. The resident card is presented and the address change procedure is performed.
JP-A-8-129594 JP-A-10-261133

  However, in the conventional address change procedure, since the customer has to go to the administrative institution and the financial institution to perform the respective procedures, it takes time and the customer feels bothersome. For this reason, even if the customer's address is changed due to moving, etc., the customer often does not change the address with the financial institution, and the financial institution cannot grasp the customer's address. End up.

  The present invention solves the above-described conventional problems, and the automatic teller machine reads the characters described in the customer's certificate, so that the customer's registered in the governmental organization corresponding to the certificate. Even if the address is changed so that the address can be obtained, the customer can operate the automatic cash dispenser without going to the administrative office or the financial institution. An object is to provide an automatic cash deposit / withdrawal machine that can easily change an address registered with a financial institution in time.

  Therefore, in the cash automatic depositing and dispensing machine of the present invention, the cash automatic depositing and dispensing machine connected to a host device that executes a process of changing the address of the customer registered in the financial institution, the financial transaction of the customer A card handling unit for acquiring information for identifying an account stored in the card for use, a character reading unit for reading characters written in the certificate of the customer, information for identifying an account acquired by the card handling unit, and And a control unit that executes a process of changing the address of the customer by notifying the host device of characters described in the certificate read by the character reading unit.

  In another automatic teller machine according to the present invention, the certificate is a basic resident register card, and the character is a card number.

  In still another cash automatic depositing / withdrawing machine of the present invention, the information for identifying the account is an account number, and the higher-level device displays the customer's address registered in association with the account number as the card number. The customer's address is changed by updating with the customer's address corresponding to.

  Still another cash automatic depositing and dispensing machine of the present invention further includes a display unit for displaying the changed customer address.

  In still another automatic teller machine according to the present invention, the display unit further displays a selection unit for canceling the changed customer address, and the control unit selects the selection unit, The process of changing the address of the customer by notifying the host device is canceled.

  According to the present invention, the automatic teller machine is adapted to acquire the customer's address registered with the administrative body corresponding to the certificate by reading the characters written on the customer's certificate. ing. Therefore, even if the address is changed, the customer can easily register with the financial institution in a short time by operating the automatic teller machine without going to the administrative or financial institution. You can change your address.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

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

  In the figure, reference numeral 10 denotes an ATM as an automatic cash dispenser installed in a branch office of a financial institution such as a bank, a credit union, a post office, or a consumer financial company. It is a device for operating financial transactions such as deposit, withdrawal, passbook entry, balance inquiry, transfer, transfer, remittance, fixed deposit, etc. by operating by yourself. The ATM 10 is a bank, a branch office, a convenience store, a store of a supermarket, a department store, a station, a underground facility, a city hall, a public facility such as a hospital, a private company such as a factory, an office, It may be arranged at any place such as a parking lot, outdoors such as on the side of the road. The ATM 10 may be a multi-function terminal such as a kiosk terminal having other functions such as a ticket reservation function, a product purchase application function, a credit card credit confirmation function, and a facility information guidance function. Good. The customer is a person who opens his / her own account at a financial institution and uses the financial institution, and is generally an individual, but may be a company, an organization, or the like.

  Here, the ATM 10 includes a calculation means such as a CPU and MPU, a storage means such as a semiconductor memory and a magnetic disk, and the like, a control unit 11 for controlling all operations of the ATM 10, a CRT, a liquid crystal display, and an LED (Light Emitting Diode). For communicating with a screen display unit 12 as a display unit including a display unit such as a display, a key operation unit 23 as an input unit including an input unit such as a keyboard and a touch panel, and an upper host 20 as an upper device described later. It is a kind of computer provided with the high-order interface (I / F) part 19 etc. as a communication interface. In addition, in order to make it easy for a customer to perform an operation, the key operation unit 13 is preferably a touch panel that also has a function with the screen display unit 12.

  And the said ATM10 has the banknote control part 17 which handles a banknote, and the coin control part 18 which handles a coin. The banknote control unit 17 and the coin control unit 18 house banknotes and coins of each denomination, receive and count banknotes and coins deposited by customers in financial transactions such as deposits, and financial transactions such as withdrawals. In the transaction, a predetermined amount of banknotes and coins are paid out from a concave banknote receiving port and coin receiving port (not shown). The banknote receiving port and the coin receiving port are provided with shutters. When depositing, the shutter is automatically opened, and the customer inserts the banknotes and coins to be deposited into the banknote receiving port and the coin receiving port, respectively. To do. In addition, the shutter is automatically opened at the time of withdrawal, and the customer takes out the dispensed banknote and coin from the banknote receiving port and the coin receiving port, respectively.

  In addition, the ATM 10 has a bookkeeping process for depositing in a bankbook such as a bankbook, and when a new account is opened, the new information in which necessary information such as the customer's name, account number, and store name is printed on the bankbook. A passbook control unit 16 that issues a passbook corresponding to the account. Here, the passbook is a booklet passbook such as a deposit passbook issued by a financial institution to a customer, and records of financial transactions such as deposits, withdrawals, transfers, transfers, remittances, and periodic deposit settings are printed. It is what is done. The front cover or back cover of the passbook is provided with a magnetic stripe for storing information such as the customer's name, account number, and personal identification number. Further, the member for storing the information may be an IC embedded in a passbook instead of the magnetic stripe. The passbook control unit 16 includes a passbook slot into which a passbook is inserted and ejected. In the passbook slot, a transport device that transports the passbook, a print head that prints a record of the financial transaction on the passbook, In addition, a recording head such as a magnetic head for reading, overwriting, erasing information stored in the magnetic stripe of the bankbook or the IC is provided.

  Furthermore, 14a is a card control unit as a card handling unit for handling cards. Here, the card is a cash card as a financial transaction card for performing financial transactions such as deposit, withdrawal, transfer, balance inquiry, etc. issued by a financial institution to a customer. The card includes a magnetic stripe for storing information such as a customer's name, an account number as information for specifying an account, and a personal identification number. The member for storing the information may be an IC embedded in a card instead of the magnetic stripe. The card control unit 14a includes a card slot into which a card is inserted and ejected. In the card slot, a card transfer device for transferring the card, and a magnetic stripe of the card and information stored in an IC are stored. A recording head such as a magnetic head for reading, overwriting, erasing and the like is provided. It is desirable that the card control unit 14a can handle other types of cards such as cash cards, credit cards, and debit cards issued by other financial institutions.

  In the present embodiment, the card control unit 14a can handle a Basic Resident Register card as a customer certificate, that is, a Juki card. Therefore, the card control unit 14a includes an OCR (Optical Character Reader) reading unit 14b as a character reading unit that reads a character image such as a card number on the surface of the Juki card and performs character analysis. Here, the Juki card is an IC card used for identity verification in the Basic Resident Register network system. The Basic Resident Register Network (Juki Net) is a system jointly established by a local public organization that connects “Basic Resident Register” notarizing residential relationships with a computer network. It is said that it is useful for streamlining the administration and improving the convenience of residents in various administrative services by centrally managing the code number. The Juki card was issued in August 2003 as an additional service, and is issued to the desired individual. In addition to being used as a public ID, you can receive a copy of a resident's card or a seal registration certificate with an automatic certificate issuing machine, make a reservation for a public facility, etc. Keys can be saved. However, the services provided vary depending on the municipality.

  Reference numeral 15 denotes a receipt printing unit having a function of issuing a receipt as a transaction statement slip. The receipt is a piece of paper on which information relating to financial transactions performed by the customer such as deposit, withdrawal, passbook entry, balance inquiry, transfer, transfer, remittance, time deposit setting, etc. is printed, account number, type of financial transaction The transaction amount is printed. The receipt may be issued only when the customer desires.

  The host 20 as a host device is a computer as a core system for customer data management disposed in the computer center or the like of the financial institution, and corresponds to each account opened in the financial institution. Store data such as customer address and name as account data. The upper host 20 is a kind of computer that includes a calculation means such as a CPU and MPU, a storage means such as a semiconductor memory and a magnetic disk, a communication means for communication, and the like, and operates according to a program. Further, the host 20 may be constituted by a single computer such as a large general computer, or a plurality of computers connected organically such as a distributed server. It may be one of them, or one of a plurality of systems constructed in a large computer. And the said host 20 performs the process regarding the address change which changes a customer's address into a new address based on the card number of a Juki card about each account.

  The ATM 10 is communicably connected to the upper host 20 via a network (not shown), and executes processing for changing the customer's address by communicating with the upper host 20. Although the network is an online network, a wireless or wired dedicated communication line network or public communication line network, the Internet, an intranet, a LAN (Local Area Network), a WAN (Wide Area Network), a satellite communication line network, etc. Any communication network may be used.

  Next, the operation of the ATM 10 having the above configuration will be described.

  FIG. 2 is a diagram showing an example of a transaction selection screen in the embodiment of the present invention, FIG. 3 is a diagram showing an example of a resident card insertion instruction screen in the embodiment of the present invention, and FIG. 4 is an embodiment of the present invention. FIG. 5 is a diagram showing an example of an address confirmation screen in the embodiment of the present invention, and FIG. 6 is a diagram showing an example of a card receipt instruction screen in the embodiment of the present invention. FIG. 7 is a flowchart showing the operation of the automatic teller machine according to the embodiment of the present invention.

  First, the customer operates the transaction selection screen 30 displayed on the screen display unit 12 of the ATM 10 to select an address change service. In this case, a transaction selection screen 30 as shown in FIG. 2 is displayed on the screen display unit 12 of the ATM 10. The transaction selection screen 30 includes a message 31 for prompting the customer to select a transaction, function keys 32-36 as selection means for selecting a transaction such as deposit, withdrawal, transfer, balance inquiry, address change service, etc. A message 37 explaining that each function key can be selected by touching is displayed. Then, the customer selects the address change service on the screen by touching the function key 36 corresponding to the address change service. Then, the selected information is transmitted to the control unit 11.

  Subsequently, as shown in FIG. 3, the control unit 11 causes the screen display unit 12 to display a Juki card insertion instruction screen 38 that prompts the customer to insert the Juki card. Then, the customer inserts his own Juki card into the card slot of the card control unit 14a. Then, the OCR reading unit 14b performs OCR reading of the card number on the surface of the inserted Juki card, that is, reads the image of the card number and performs character analysis. Then, the acquired card number information is transmitted to the control unit 11.

  Subsequently, as shown in FIG. 4, the control unit 11 causes the screen display unit 12 to display a cash card insertion instruction screen 39 that prompts the customer to insert a cash card. Then, the customer inserts a cash card corresponding to the account whose address is to be changed into the card slot of the card control unit 14a. Then, the card control unit 14 a reads magnetic data as information stored in the magnetic stripe of the cash card and transmits it to the control unit 11.

  Subsequently, the control unit 11 acquires an account number from the magnetic data, and notifies the host number 20 via the upper interface unit 19 of the account number and the card number of the Juki card. Upon receiving the account number and the card number of the Juki card, the upper host 20 searches for the address corresponding to the account number, that is, the address of the customer registered in association with the account number, and further, the Juki card. The address corresponding to the number, that is, the address of the customer corresponding to the card number of the Juki card is searched. Then, the host 20 replaces the address of the account data. That is, the customer's address included in the account data is updated by rewriting the address corresponding to the card number of the Juki card as a new address.

  Subsequently, the upper host 20 transmits the new address of the corresponding account to the ATM 10 and displays it on the screen. In this case, the control unit 11 causes the screen display unit 12 to display an address confirmation display screen 40 as shown in FIG. 5 based on the received new address. The address confirmation display screen 40 includes a message 41 for prompting the customer to confirm a new address, an address display field 42 for displaying a new address, a function key 43 as a selection means for selecting confirmation, and a selection means for selecting cancellation. Function key 44 is displayed. In the example shown in FIG. 5, account data other than addresses such as financial institution name, branch name, account number, account holder name, etc. are also displayed in the address display field 42. The display of can also be omitted.

  Then, the customer confirms the new address displayed in the address display field 42. If the displayed content is correct, the customer selects the confirmation by touching the function key 43, assuming that the confirmation result is OK. If the displayed content is not correct, it is determined that the confirmation result is NG, and cancellation is selected by touching the function key 44.

  Then, the control unit 11 determines whether the confirmation result is OK based on whether the customer touches the function key 43 or touches the function key 44. If the confirmation result is OK, the control unit 11 discharges the cash card and the Juki card. In this case, the cash card and Juki card inserted by the customer are discharged from the card slot of the card control unit 14a. In addition, as shown in FIG. 6, the control unit 11 causes the screen display unit 12 to display a card reception instruction screen 45 that prompts the customer to receive the Juki card and cash card. Then, when the customer receives the Juki card and the cash card, the process is terminated.

  On the other hand, when the confirmation result is not OK, that is, when the confirmation result is NG, the control unit 11 notifies the upper host 20 via the upper interface unit 19 that the confirmation result is NG. Upon receiving the notification that the confirmation result is NG, the host host 20 cancels the process of changing the customer address, returns the updated customer address, and notifies the ATM 10 of the result. When the ATM 10 receives a notification that the update has been rejected, that is, the updated customer's address has been restored, the ATM 10 discharges the cash card and the Juki card. In this case, the cash card and Juki card inserted by the customer are discharged from the card slot of the card control unit 14a. In addition, as shown in FIG. 6, the control unit 11 causes the screen display unit 12 to display a card reception instruction screen 45 that prompts the customer to receive the Juki card and cash card. Then, when the customer receives the Juki card and the cash card, the process is terminated.

Next, a flowchart will be described.
Step S1: Select an address change service on the screen.
Step S2 Insert a Juki card.
Step S3 OCR reads the card number on the surface of the Juki card.
Step S4: Insert a cash card.
Step S5: Read the magnetic data of the cash card.
Step S6 Notify the host number 20 of the account number and the card number of the Juki card.
Step S7 The host host 20 searches for an address corresponding to the account number and an address corresponding to the Juki card number, and replaces the address of the account data.
Step S8 The new address of the corresponding account is transmitted to the ATM 10 and displayed on the screen.
Step S9: It is determined whether or not the confirmation result is OK. If the confirmation result is OK, the process proceeds to step S12. If the confirmation result is not OK, the process proceeds to step S10.
Step S10: The host host 20 is notified that the confirmation result is NG.
Step S11 The host host 20 restores the address, and notifies the ATM 10 of the result.
Step S12: The cash card and the Juki card are discharged, and the process is terminated.

  As described above, in the present embodiment, when a customer operates the ATM 10 to change the address registered in the financial institution, inserting his own Juki card into the card slot of the card control unit 14a, The card number of the Juki card is read, the address of the customer registered in the administrative agency is searched according to the read card number, and the address registered in the financial institution is automatically updated. ing.

  Therefore, even if the address is changed due to moving, etc., the customer is registered with the financial institution by operating the ATM 10 without going to the office of the administrative institution such as the city hall or the counter of the financial institution. Therefore, the address registered in the financial institution can be easily changed in a short time without trouble, and the user does not feel bothered. Therefore, convenience for customers can be improved. Further, since the customer does not perform the address change procedure with respect to the financial institution, the financial institution can reduce the delay in updating the customer's address.

  In addition, this invention is not limited to the said embodiment, It can change variously based on the meaning of this invention, and does not exclude them from the scope of the present invention.

It is a block diagram which shows the structure of the automatic teller machine in embodiment of this invention. It is a figure which shows the example of the transaction selection screen in embodiment of this invention. It is a figure which shows the example of the Juki card insertion instruction | indication screen in embodiment of this invention. It is a figure which shows the example of the cash card insertion instruction | indication screen in embodiment of this invention. It is a figure which shows the example of the address confirmation screen in embodiment of this invention. It is a figure which shows the example of the card receipt instruction | indication screen in embodiment of this invention. It is a flowchart which shows operation | movement of the automatic teller machine in embodiment of this invention.

Explanation of symbols

10 ATM
11 Control Unit 12 Screen Display Unit 14a Card Control Unit 14b OCR Reading Unit 20 Host Host 44 Function Key

Claims (5)

(A) an automatic cash deposit / withdrawal machine connected to a host device that executes processing for changing the address of a customer registered in a financial institution,
(B) a card handling unit for acquiring information identifying an account stored in the customer's financial transaction card;
(C) a character reading unit for reading characters described in the customer certificate;
(D) Information identifying the account acquired by the card handling unit and characters described in the certificate read by the character reading unit are notified to the host device to execute processing for changing the customer's address A cash automatic depositing and dispensing machine characterized by having a control unit. The automatic teller machine according to claim 1, wherein the certificate is a basic resident register card, and the character is a card number. The information for identifying the account is an account number, and the host device updates the customer's address registered in association with the account number with the customer's address corresponding to the card number, thereby The cash automatic depositing and dispensing machine according to claim 2, wherein the cash machine is changed. The automatic teller machine according to any one of claims 1 to 3, further comprising a display unit for displaying the changed customer address. (A) the display unit displays a selection means for canceling the changed customer address;
(B) When the selection means is selected, the control unit notifies the host device and cancels the process of changing the address of the customer.

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