JP2006350579A - Automatic transaction device - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To operate an automatic transaction device, and to collate a second identification number when performing financial transaction again within a prescribed period by using an authentication medium, and to invalidate financial transaction when the mismatching of the second identification number is generated for properly facilitating countermeasures to the unauthorized use of the authentication medium in an early stage, and for preventing the increase in a damaged sum due to unauthorized use. <P>SOLUTION: This automatic transaction device is provided with an authentication medium handling part for handling an authentication medium for storing the information of a customer and a customer operation part for inputting a password, and configured to confirm the identification of the customer by collating the input password. When the second and following transaction is performed within a prescribed period, the input of the second password is requested to the customer. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to an automatic transaction apparatus.

  Conventionally, customers who have opened accounts at financial institutions such as banks, post offices, credit unions, etc. are ATMs (Automatic Teller Machines) and CDs (Cash Dispensers) installed at branches of financial institutions. By operating an automatic transaction apparatus such as a payment machine, various financial transactions such as deposit, withdrawal, passbook entry, balance verification, transfer, and transfer can be performed (see, for example, Patent Document 1). .)

  For example, when making a withdrawal, the customer inserts a card as an authentication medium for authenticating the person into a card slot of the automatic transaction apparatus and inputs a personal identification number. Then, it is determined whether or not the password entered by the customer matches an authentication number registered in advance, and authentication of the identity is performed. If the entered password matches the password registered in advance, the person is authenticated and can perform a financial transaction.

In general, the PIN number consists of four digits. If a number other than a pre-registered PIN number is entered, that is, if a PIN number mismatch occurs, transaction with the corresponding card is performed. Security is maintained to prevent financial transactions such as withdrawals from being carried out illegally. Considering that even an authentic customer may enter an incorrect number due to an input operation error, a mismatch of PIN numbers is determined a predetermined number of times, for example, 3 or more consecutive times. In such a case, a measure is taken so that the transaction with the corresponding card cannot be continued.
JP-A-11-73467

  However, in the conventional automatic transaction apparatus, a person who obtained the card illegally or duplicated the card by skimming the magnetic data of the card steals the personal identification number or pre-registered personal identification number within a specified number of times. If the number can be found, financial transactions such as withdrawal will be carried out illegally. In some cases, almost all of the customer's savings can be withdrawn. Generally, personal information such as a customer's date of birth or telephone number is often used as the personal identification number. Therefore, repeated input of numbers such as the customer's date of birth or telephone number may result in a mismatch of the personal identification number. There is a high possibility that a pre-registered password can be found before it occurs more than the specified number of times. For this reason, it is relatively easy to find the registered personal identification number, and financial transactions such as withdrawal are illegally performed by a person who has illegally obtained the card.

  The present invention solves the problems of the conventional automatic transaction apparatus, operates the automatic transaction apparatus, and performs a financial transaction again within a predetermined period using an authentication medium. By performing verification and disabling the financial transaction in the event of a mismatch in the second PIN, the unauthorized use of the authentication medium can be appropriately dealt with early and the amount of damage caused by the unauthorized use An object of the present invention is to provide an automatic transaction apparatus that can prevent an increase in the amount of money.

  For this purpose, the automatic transaction apparatus according to the present invention has an authentication medium handling unit for handling an authentication medium for storing customer information and a customer operation unit for inputting a password, and collates the input password. In the automatic transaction apparatus for verifying the identity of the customer, when the second or subsequent transaction is performed within a predetermined period, the customer is requested to input a second password.

  In another automatic transaction apparatus of the present invention, an authentication medium handling unit for handling an authentication medium for storing customer information and a customer operation unit for inputting a password are provided, and the entered password is verified. In the automatic transaction apparatus for confirming the identity of the customer, when a transaction exceeding a predetermined amount is performed within a predetermined period, the customer is requested to input a second password.

  Still another automatic transaction apparatus of the present invention has an authentication medium handling unit that handles an authentication medium that stores customer information and a customer operation unit that inputs a password, and collates the input password. If the transaction exceeds a predetermined number of times within a predetermined period, the customer is requested to input a second password.

  According to the present invention, when the automatic transaction apparatus is operated and a financial transaction is performed again within a predetermined period using the authentication medium, the second personal identification number is collated, and the second personal identification number does not match. When it occurs, financial transactions are disabled. Therefore, it is possible to appropriately deal with unauthorized use of the authentication medium at an early stage, and to prevent an increase in the amount of damage due to unauthorized use.

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

  FIG. 1 is a first flowchart showing the operation of the automatic transaction apparatus according to the first embodiment of the present invention. FIG. 2 is a second flowchart showing the operation of the automatic transaction apparatus according to the first embodiment of the present invention. FIG. 3 is a flowchart showing the operation of the center device according to the first embodiment of the present invention.

  The automatic transaction apparatus according to the present embodiment is an ATM, CD, or the like disposed in a branch office of a financial institution such as a bank, post office, or credit union, and is operated by a customer of the financial institution by itself. It is a device for conducting financial transactions such as deposit, withdrawal, passbook entry, balance verification, transfer, transfer. The automatic transaction apparatus is a private company such as a head office, a branch, etc. of a financial institution, a store of a store such as a convenience store, a supermarket, a department store, a station premises, a public facility such as a subway, a city hall, a hospital, a factory, an office, etc. It may be installed in any place such as a parking lot, outdoors such as a roadside (side). The automatic transaction apparatus 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. . 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 automatic transaction apparatus is a kind of computer that includes a calculation unit such as a CPU and an MPU, a storage unit such as a semiconductor memory and a magnetic disk, a communication interface, and the like, and operates according to a program. The automatic transaction apparatus includes an input device such as a keyboard and a touch panel, a display device such as a CRT, a liquid crystal display and an LED (Light Emitting Diode) display, a voice input device such as a microphone for inputting a customer's voice, and voice guidance. A customer operation unit including an audio output device such as a speaker for outputting the sound. In addition, in order to make it easy for a customer to perform an operation, the input device is preferably a touch panel that also has the function of a display device.

  The automatic transaction apparatus has a passbook processing unit that handles a passbook such as a bankbook. 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 bankbook processing unit includes a bankbook slot into which a bankbook is inserted and ejected. The bankbook slot includes a transport device that transports the bankbook and a bankbook printer that prints financial transaction records on the bankbook.

  The automatic transaction apparatus includes an authentication medium handling unit that handles a card such as a cash card as an authentication medium. Here, the card is a card for performing financial transactions such as deposit, withdrawal, transfer, balance verification, etc. issued to a customer by a financial institution, and information such as the customer's name, account number, PIN number, etc. A magnetic stripe for storing is provided. The member for storing the information may be an IC embedded in a card instead of the magnetic stripe. The authentication medium handling unit includes a card slot into which a card is inserted and ejected. In the card slot, a conveying device for conveying the card, and reading of information stored in a magnetic stripe or IC of the card A card reader / writer for overwriting, erasing and the like is provided. It is desirable that the authentication medium handling unit can handle other types of cards such as cash cards, credit cards and debit cards issued by other financial institutions.

  The automatic transaction apparatus further includes a receipt printer that issues a transaction statement. The transaction slip is a piece of paper on which information relating to a financial transaction performed by a customer such as deposit, withdrawal, passbook entry, balance verification, transfer, transfer, remittance, time deposit setting, etc. is printed, account number, financial transaction Type, transaction amount, etc. are printed. The transaction statement slip may be issued only when the customer desires.

  And the said automatic transaction apparatus has a money deposit or withdrawal machine which handles a banknote or a coin, ie, money. The money depositing and dispensing machine receives and counts money deposited by a customer in a financial transaction such as depositing, and pays out a predetermined amount of money from the money receiving port in a financial transaction such as withdrawal. A shutter is provided at the money receiving port, and the shutter is opened when paying out money. The automatic transaction apparatus includes a communication control unit for communicating with the center apparatus via a communication network.

  The center device is a host computer as a higher-level device of a billing system constructed in a computer system in a financial institution where the customer has opened an account, and stores arithmetic means such as a CPU and MPU, a semiconductor memory, a magnetic disk, etc. Means, a communication interface, etc. are provided, operate according to a program, communicate with an automatic transaction apparatus via the communication network, and process various financial transactions related to an account opened in the financial institution. The center device 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 a plurality of systems constructed in a large computer.

  Next, the operation of the automatic transaction apparatus having the above configuration will be described.

  First, the customer operates a financial transaction selection screen displayed on the display device of the customer operation unit of the automatic transaction apparatus, and selects a withdrawal transaction as a financial transaction. As a result, the automatic transaction apparatus starts a withdrawal transaction. First, the automatic transaction apparatus displays a message for prompting the insertion of the card on the display device of the customer operation unit, and requests the customer to insert the card. Then, it is determined whether or not a card has been inserted. If the card is not inserted, the same operation is repeated to wait.

  Subsequently, when a card is inserted from the card slot, the automatic transaction apparatus reads the card information and acquires information stored in the magnetic stripe or the like of the card. Subsequently, the automatic transaction apparatus displays a message prompting the input of the password on the display device of the customer operation unit, and requests the customer to input the password. Then, it is determined whether or not a password has been input. If no password is entered, the same operation is repeated to wait.

  Subsequently, when the personal identification number is input, the automatic transaction apparatus transmits an identification confirmation request to the center apparatus together with the account number included in the card information, the input personal identification number, and the like. The center device that has received the identity verification request collates the entered password with a password registered in advance to perform identity verification. Then, the center device determines whether or not the input password and the password registered in advance match, and returns the result of identity verification to the automatic transaction device.

  Subsequently, the automatic transaction apparatus determines whether or not the personal identification is OK based on the result of the personal identification received from the center apparatus. If the entered password and the pre-registered password match, it is determined that the identity is OK. If the entered password does not match the pre-registered password, the person is identified. It is determined that the confirmation is not OK, that is, the identity confirmation NG. Then, in the case of identity verification NG, the automatic transaction apparatus determines whether or not the verification is NG three times, that is, whether or not the identity verification NG is continued three times or more. Here, in the case of three NG confirmations, that is, when the identity verification NG is continued three or more times, the automatic transaction apparatus ejects the card from the card slot, returns the card, and ends the process. In addition, when the verification is not NG three times, that is, when the personal verification NG is not consecutive three or more times, the automatic transaction apparatus requests the customer to input the password again and repeats the above-described operation.

  On the other hand, if the identity verification is OK, the automatic transaction apparatus displays a message prompting the customer to input the withdrawal amount on the display device of the customer operation unit, and requests the customer to input the withdrawal amount. Then, it is determined whether or not a withdrawal amount has been input. If the withdrawal amount is not entered, the same operation is repeated to wait. Subsequently, when the withdrawal amount is input, the automatic transaction apparatus displays a message prompting confirmation of the withdrawal amount on the display device of the customer operation unit, and confirms the withdrawal amount to the customer. Request. Then, it is determined whether or not the confirmation button has been pressed. If the confirmation button is not pressed, the same operation is repeated to wait.

  Subsequently, when the confirmation button is pressed, the automatic transaction apparatus transmits a withdrawal permission confirmation request to the center apparatus together with the account number, the entered withdrawal amount, and the like. The center device that has received the withdrawal permission confirmation request determines whether or not a predetermined period has elapsed since the previous transaction performed using the card. The predetermined period can be arbitrarily set, but in the present embodiment, it is set to 24 hours. Therefore, it demonstrates as what judges whether 24 hours passed since the last transaction. Since the center device stores the transaction record for each account in the storage means, it is determined whether or not 24 hours have passed since the previous transaction by referring to the transaction record for the account. Can do.

  Then, when 24 hours have elapsed, the center device returns a transaction permission notification to the effect that the withdrawal of the input withdrawal amount is permitted to the automatic transaction device. Further, if 24 hours have not elapsed, the center device does not permit the withdrawal of the entered withdrawal amount as a request for the second personal identification number requesting the customer to input the second personal identification number. Reply to the automatic transaction device. The second password is a second password set for the customer's account, and is determined and registered in advance by the customer.

  Subsequently, the automatic transaction apparatus determines whether or not to make a second password request based on the notification received from the center apparatus. That is, when the notification received from the center device is a transaction permission notification, it is determined that the second password is not requested, and when the notification received from the center device is a transaction impossible notification, the second password request is requested. It is determined that When making a request for the second password, the automatic transaction apparatus displays a message prompting the user to input the second password on the display device of the customer operation unit, and prompts the customer to input the second password. Request. Then, it is determined whether or not the second password has been entered. If the second password is not entered, the same operation is repeated to wait.

  Subsequently, when the second personal identification number is entered, the automatic transaction apparatus transmits an identification confirmation request to the center apparatus together with the account number included in the card information, the entered second personal identification number, and the like. The center device that has received the identity verification request verifies the identity by comparing the input second password with a pre-registered second password. Then, the center device determines whether or not the inputted second personal identification number matches the second personal identification number registered in advance, and returns the result of identity verification to the automatic transaction apparatus.

  Subsequently, the automatic transaction apparatus determines whether or not the personal identification is OK based on the result of the personal identification received from the center apparatus. If the input second password and the second password registered in advance coincide with each other, it is determined that the personal identification is OK, and the input second password and the second password registered in advance are determined. Is not the same as the identity verification NG. And when it is identity verification NG, an automatic transaction apparatus judges whether it is NG 3 times of confirmation. Here, in the case of three NG confirmations, that is, when the identity verification NG is continued three or more times, the automatic transaction apparatus ejects the card from the card slot, returns the card, and ends the process. Also, if the verification is not NG three times, that is, if the identity verification NG is not consecutive three or more times, the automatic transaction apparatus requests the customer to input the second password again and performs the above-described operation. repeat.

  On the other hand, if the identity verification is OK, the automatic transaction apparatus determines that the transaction has been completed, and performs a currency counting process for counting the amount of bills or coins corresponding to the input withdrawal amount. Further, when it is determined that the second password request is not made based on the notification received from the center device, the automatic transaction device immediately determines that the transaction has been established and performs a money counting process.

  Subsequently, the automatic transaction apparatus performs a process of discharging the inserted card from the card slot and discharging the counted money from the money receiving port and the money. Further, the automatic transaction apparatus displays a message prompting receipt of the card and money on the display device of the customer operation unit, and requests the customer to receive the card and money. Then, the automatic transaction apparatus determines whether or not a card and money have been received. When the card and money are not received, the same operation is repeated to wait, and when the card and money are received, the process is terminated.

Next, a flowchart will be described. First, the flowchart which shows operation | movement of an automatic transaction apparatus is demonstrated.
Step S1: Request insertion of a card.
Step S2: It is determined whether or not a card has been inserted. If the card is inserted, the process proceeds to step S3. If the card is not inserted, the process waits.
Step S3: Read card information.
Step S4: Requests input of a password.
Step S5: It is determined whether or not a password has been entered. If the password is entered, the process proceeds to step S6. If the password is not entered, the process waits.
Step S6 An identity confirmation request is transmitted to the center apparatus together with the account number and the password.
Step S7: It is determined whether or not the identity verification is OK. If the identity verification is OK, the process proceeds to step S8, and if the identity verification is not OK, the process proceeds to step S22.
Step S8 Request input of the withdrawal amount.
Step S9: It is determined whether or not a withdrawal amount has been input. If the withdrawal amount is input, the process proceeds to step S10. If the withdrawal amount is not input, the process waits.
Step S10 Request confirmation of the withdrawal amount.
Step S11: It is determined whether or not the confirmation button has been pressed. If the confirmation button has been pressed, the process proceeds to step S12. If the confirmation button has not been pressed, the process waits.
Step S12: Withdrawing the withdrawal permission confirmation request to the center device together with the account number and the withdrawal amount.
Step S13: It is determined whether or not a second password is requested. If the second password is requested, the process proceeds to step S14. If the second password is not requested, the process proceeds to step S18.
Step S14: Request input of the second password.
Step S15: It is determined whether or not the second password has been entered. If the second password has been entered, the process proceeds to step S16. If the second password has not been entered, the process waits.
Step S16 An identity confirmation request is transmitted to the center apparatus together with the account number and the second password.
Step S17: It is determined whether or not the identity verification is OK. If the identity verification is OK, the process proceeds to step S18, and if the identity verification is not OK, the process proceeds to step S24.
Step S18: A money counting process is performed.
Step S19: The card and money are discharged.
Step S20: Request card and money receipt.
Step S21: It is determined whether or not a card and money have been received. If the card and money are not received, the process waits. If the card and money is received, the process is terminated.
Step S22: It is determined whether the identity verification is NG three times. If the personal identification is NG three times, the process proceeds to step S23, and if the personal identification is not three times NG, the process returns to step S4.
Step S23: The card is returned and the process is terminated.
Step S24: It is determined whether the identity verification is NG three times. When the personal identification is NG three times, the process proceeds to step S25, and when the personal identification is not three times NG, the process returns to step S14.
Step S25: The card is returned and the process is terminated.

Next, a flowchart showing the operation of the center apparatus will be described.
Step S31: It is determined whether 24 hours have passed since the previous transaction. If 24 hours have elapsed since the previous transaction, the process proceeds to step S32. If 24 hours have not elapsed since the previous transaction, the process proceeds to step S33.
Step S32 The transaction is notified and the process is terminated.
Step S33: Request the second password.
Step S34 The transaction is notified and the process is terminated.

  Thus, in this Embodiment, an automatic transaction apparatus requests | requires the input of a 2nd PIN code with respect to a customer, when the transaction after the 2nd time is performed within a predetermined period. Specifically, if a second transaction is made within 24 hours, the customer will be required to enter the second PIN, and if the identity is not verified using the second PIN, a withdrawal transaction cannot be made. It is like that. Therefore, if a person who obtained the card illegally or duplicated the card by skimming the magnetic data of the card entered the PIN that was obtained by sneaking or analogy and impersonated the customer himself, and made a withdrawal transaction However, the increase in the amount of damage can be prevented.

  Next, a second embodiment of the present invention will be described. In addition, about the thing which has the same structure as 1st Embodiment, the description is abbreviate | omitted by providing the same code | symbol. The description of the same operation and the same effect as those of the first embodiment is also omitted.

  FIG. 4 is a diagram showing an example of transaction permission confirmation setting information in the second embodiment of the present invention, and FIG. 5 is a flowchart showing the operation of the center apparatus in the second embodiment of the present invention.

  In the present embodiment, a predetermined period that has passed since the previous transaction, which is a criterion for whether or not the center apparatus that has received the withdrawal permission confirmation request, permits withdrawal, is determined according to the amount of money for the current sunrise. It has become so. In this case, the correspondence relationship between the predetermined period and the withdrawal amount in the last transaction as the previous transaction is set in advance as, for example, transaction permission confirmation setting information as shown in FIG. Stored. In the example shown in FIG. 4, the relationship between the amount of money allowed to be withdrawn without making a second password request and the transaction elapsed time as the predetermined period is set.

  And the center apparatus which received the withdrawal permission confirmation request calculates the elapsed time from the last transaction. Subsequently, the non-permitted amount for the transaction permission elapsed time is referred to from the transaction permission confirmation setting information as shown in FIG. 4, and it is determined from the elapsed time whether it is within the permitted amount on the day. If it is within the permitted amount on the day, the center device returns a transaction permission notification to the effect of permitting the withdrawal of the input withdrawal amount to the automatic transaction device. Further, if it is not within the permitted amount on the day, the center apparatus does not permit the withdrawal of the entered withdrawal amount as a request for the second personal identification number for requesting the customer to input the second personal identification number. A transaction impossible notice is returned to the automatic transaction apparatus.

  Since the operation of the automatic transaction apparatus and the other operations of the center apparatus are the same as those in the first embodiment, description thereof will be omitted.

Next, a flowchart will be described.
Step S41 The elapsed time from the last transaction is calculated.
Step S42: Refer to the non-permitted amount for the transaction permission elapsed time from the transaction permission confirmation setting information.
Step S43: It is determined from the elapsed time whether it is within the permitted amount on the day. If it is within the permitted amount on the day from the elapsed time, the process proceeds to step S44, and if not within the permitted amount on the day from the elapsed time, the process proceeds to step S45.
Step S44 The transaction is notified and the process is terminated.
Step S45: Request the second password.
Step S46 The transaction is notified and the process is terminated.

  As described above, in this embodiment, the automatic transaction apparatus requests the customer to input the second personal identification number when a transaction exceeding a predetermined amount is performed within a predetermined period. Specifically, the elapsed time from the previous transaction until the withdrawal transaction can be performed without entering the second security code is determined according to the amount of money at sunrise. ing. Therefore, if a person who obtained the card illegally or duplicated the card by skimming the magnetic data of the card entered the PIN that was obtained by sneaking or analogy and impersonated the customer himself, and made a withdrawal transaction However, the increase in the amount of damage can be prevented. Further, when the amount of money for the sunrise is small, the withdrawal transaction can be performed without inputting the second password, so that the convenience of the customer is not greatly impaired.

  Next, a third embodiment of the present invention will be described. In addition, about the thing which has the same structure as 1st and 2nd embodiment, the description is abbreviate | omitted by providing the same code | symbol. Also, the description of the same operations and effects as those of the first and second embodiments is omitted.

  FIG. 6 is a diagram showing an example of transaction permission confirmation setting information according to the third embodiment of the present invention, and FIG. 7 is a flowchart showing the operation of the center apparatus according to the third embodiment of the present invention.

  In the present embodiment, based on whether or not the number of transactions within a predetermined period exceeds a predetermined number, the center device determines whether or not to permit withdrawal. Although the predetermined period and the predetermined number of times can be arbitrarily set, in the present embodiment, the transaction availability confirmation setting information as shown in FIG. 6 is set in advance and stored in the storage unit of the center device. Stored. In the example shown in FIG. 6, the predetermined period is set to 6 hours as the A period, and the predetermined number of times is set to 2 times as the B period.

  Then, the center device that has received the withdrawal permission confirmation request refers to the transaction history within the A period set from the current date and time based on the transaction permission confirmation setting information as shown in FIG. It is determined whether or not transactions within the period have exceeded B times. If the transaction within the set period A does not exceed B times, the center apparatus returns a transaction permission notification to the effect that the withdrawal of the input withdrawal amount is permitted to the automatic transaction apparatus. Further, if the transaction within the set period A exceeds B times, the center device requests that the customer enter the second password, and makes a second password request for inputting the second password. A transaction impossible notice indicating that the withdrawal of the gold amount is not permitted is returned to the automatic transaction apparatus.

  Since the operation of the automatic transaction apparatus and the other operations of the center apparatus are the same as those in the first and second embodiments, description thereof will be omitted.

Next, a flowchart will be described.
Step S51: Refer to the transaction history within the period A set from the current date and time.
Step S52: It is determined whether or not the number of transactions within the set A period has exceeded B times. When the transaction within the set A period exceeds B times, the process proceeds to step S54, and when the transaction within the set A period does not exceed B times, the process proceeds to step S53.
Step S53 The transaction is notified and the process is terminated.
Step S54: Request the second password.
Step S55 The transaction is notified and the process is terminated.

  As described above, in the present embodiment, the automatic transaction apparatus requests the customer to input the second personal identification number when a transaction exceeding a predetermined number is performed within a predetermined period. Specifically, based on whether or not the number of transactions within a predetermined period exceeds a predetermined number, it is determined whether or not a withdrawal transaction can be performed without entering the second personal identification number. ing. Therefore, if a person who obtained the card illegally or duplicated the card by skimming the magnetic data of the card entered the PIN that was obtained by sneaking or analogy and impersonated the customer himself, and made a withdrawal transaction However, the increase in the amount of damage can be prevented. Further, when the number of transactions is small, the withdrawal transaction can be performed without inputting the second password, so that the convenience of the customer is not greatly impaired.

  In addition, in said 1st-3rd embodiment, although the payment transaction was demonstrated, it is applicable also to a transfer transaction, a transfer transaction, etc.

  The present invention is not limited to the above-described embodiment, and various modifications can be made based on the spirit of the present invention, and they are not excluded from the scope of the present invention.

It is a 1st flowchart which shows operation | movement of the automatic transaction apparatus in the 1st Embodiment of this invention. It is a 2nd flowchart which shows operation | movement of the automatic transaction apparatus in the 1st Embodiment of this invention. It is a flowchart which shows operation | movement of the center apparatus in the 1st Embodiment of this invention. It is a figure which shows the example of the setting information for transaction permission confirmation in the 2nd Embodiment of this invention. It is a flowchart which shows operation | movement of the center apparatus in the 2nd Embodiment of this invention. It is a figure which shows the example of the setting information for transaction permission confirmation in the 3rd Embodiment of this invention. It is a flowchart which shows operation | movement of the center apparatus in the 3rd Embodiment of this invention.

Claims (3)

(A) Automatic having an authentication medium handling unit for handling an authentication medium for storing customer information and a customer operation unit for inputting a personal identification number, and verifying the identity of the customer by collating the inputted personal identification number A transaction device,
(B) An automatic transaction apparatus that requests the customer to input a second personal identification number when a second or subsequent transaction is performed within a predetermined period. (A) Automatic having an authentication medium handling unit for handling an authentication medium for storing customer information and a customer operation unit for inputting a personal identification number, and verifying the identity of the customer by collating the inputted personal identification number A transaction device,
(B) An automatic transaction apparatus that requests the customer to input a second password when a transaction exceeding a predetermined amount is performed within a predetermined period. (A) Automatic having an authentication medium handling unit for handling an authentication medium for storing customer information and a customer operation unit for inputting a personal identification number, and verifying the identity of the customer by collating the inputted personal identification number A transaction device,
(B) An automatic transaction apparatus that requests the customer to input a second personal identification number when transactions exceeding a predetermined number of times are performed within a predetermined period.

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