JP2007052661A - Automatic transaction apparatus and automatic transaction system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To make it difficult for a third person existing on the back of a customer or near the customer to estimate an accurate personal identification number only by peeping the movement of customer's fingers. <P>SOLUTION: A card reading/writing part reads out input starting place information indicating the input starting column of the personal identification number from a customer's card and an personal identification number input screen in which the input starting column is specified is displayed on an operation display part 7 on the basis of the input starting column information to guide the input of the personal identification number. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to a technique for guiding an input of a personal identification number at the time of transaction in an automatic transaction apparatus.

In a conventional automatic transaction apparatus that performs a transaction by a customer's operation, when the customer selects a transaction, a personal identification number input screen is displayed to allow the customer to input the personal identification number (see, for example, Patent Document 1).
Japanese Unexamined Patent Publication No. Hei 8-123395 (paragraph “0012”, FIG. 2)

However, in the above-described conventional technology, since the personal identification number is input from the first digit, the personal identification number is guessed by looking at the movement of the finger by someone behind or in the vicinity. Therefore, there is a problem in that there is a high risk that a transaction is performed by a password that is illegally obtained by someone else by peeping and an illegally created card.
An object of the present invention is to solve such a problem.

  Therefore, the present invention reads the input start digit information indicating the input start digit of the personal identification number from the customer's card by the reading means in the automatic transaction apparatus that performs the transaction by the operation of the customer, and inputs the input based on the input start digit information. A personal identification number input screen designating a start digit is displayed on the operation display unit to guide the personal identification number input.

  In the present invention as described above, four types of input can be performed using one type of password, so that an accurate password can be inferred just by looking at the movement of a finger by someone else in the vicinity or in the vicinity. Therefore, if you make a transaction using a PIN number obtained by someone else and a fraudulently created card, it is unlikely that the legitimate PIN number and the illegally obtained PIN number will match. The effect that the transaction by can be prevented can be obtained.

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

FIG. 1 is a block diagram of an automatic transaction system according to the present invention, and FIG. 2 is a perspective view showing an appearance of the automatic transaction apparatus in FIG.
First, FIG. 2 will be described. In the figure, reference numeral 1 denotes an automatic transaction apparatus (hereinafter referred to as ATM) installed in a sales office or convenience store of a financial institution such as a bank. The card insertion discharge port 2 and the passbook insertion discharge port 3 that also serve as a receipt issuing port are provided on the elevation surface, and the horizontal surface of the customer service unit (or an inclined surface close to the horizontal) is A bill deposit / withdrawal port 4 and a coin dispensing port 5 are provided on the side, and an operation display unit 7 is provided on the front side.

  The operation display unit 7 includes a display means such as a CRT display or a liquid crystal display with the display surface facing upward, and a touch panel as an input means arranged on the display means, and a message for guiding a customer's operation to the display means. The displayed screen and various input keys are displayed, and by pressing the input key with a finger from the touch panel, the information defined in the input key can be input. To do.

Next, FIG. 1 will be described.
As shown in this figure, the automatic transaction system of the present invention includes ATM 1 and a host computer 23 which is a host device thereof, and ATM 1 is connected online to the host computer 23 via a communication line.
In ATM1, as shown in this FIG. 1, the operation display part 7, the banknote depositing / withdrawing part 11, the coin depositing / withdrawing part 12, the card read / write part 13, the receipt printing part 14, the passbook printing part 15, the communication part 16, A storage unit 17, a control unit 18, and the like are provided.

The banknote deposit / withdrawal part 11 and the coin deposit / withdrawal part 12 are respectively arranged corresponding to the banknote deposit / withdrawal port 4 and the coin withdrawal / withdrawal port 5 and perform a deposit / withdrawal process associated with the transaction.
A card read / write unit 13 and a receipt printing unit 14 are provided corresponding to the card insertion / extraction port 2 and the passbook insertion / extraction port 3. Here, the card read / write unit 13 is a card of the customer. The receipt printing unit 14 prints the transaction contents on the receipt at the end of the transaction, and the passbook printing unit 15 has a function of a reading group for reading data with respect to the magnetic stripe provided in It has a function of printing unbooked data in the customer's bankbook printing column.

The storage unit 17 stores control data for controlling the operation of the apparatus in addition to storing input data and the like at the time of transaction, and also includes a transaction selection screen, a guidance screen for each processing step in each transaction, an input screen, and the like. Is also stored in the storage unit 17.
The control unit 18 is based on a control program stored in the storage unit 17, and includes an operation display unit 7, a bill deposit / withdrawal unit 11, a coin deposit / withdrawal unit 12, a card read / write unit 13, a receipt printing unit 14, and a passbook printing unit. 12 and the like, and also has a function of executing various transactions by displaying the screen stored in the storage unit 17 on the operation display unit 7 at any time. It communicates with a host computer (higher-level device) and exchanges necessary information.

The host computer 23 is installed in a financial institution center or the like, and includes a communication unit 24, a control unit 25, and a storage unit (database) 26.
The storage unit 26 stores a customer's name, account number, branch number, personal identification number, unrecorded data, and account balance, customer account information, and a control program for controlling the operation of the host computer. The control unit 25 has a function of controlling the operation of the host computer 23 based on the control program and managing customer account information, and communicates with the ATM 1 via the communication 16 to exchange necessary information. It has become.

In each embodiment described below, the operation of ATM 1 is controlled by the control unit 18 based on the control program stored in the storage unit 17, and the operation of the host computer 23 is controlled by the control program stored in the storage unit 26. It is assumed that it is controlled by the control unit 25 based on this.
A first embodiment having the above-described configuration will be described.
FIG. 3 is a flowchart showing the operation of the first embodiment.

In the first embodiment, it is assumed that input start digit information indicating an input start digit of a password is recorded together with customer account information such as an account number and a branch number on the customer's card. In this input start digit information, for example, the number “0” is not designated and the number “2, 3, 4” is designated as the input start start designated digit.
First, when a customer selects a transaction requiring input of a personal identification number, for example, a transaction such as withdrawal (withdrawal) on the transaction selection screen displayed on the ATM 1, a screen prompting insertion of a card is displayed on the operation display unit 7. The

When the customer inserts the card into the card insertion / ejection slot 2 by looking at this screen, since the card read / write unit 13 records the card, the customer account information and the input start digit information are read (S1). Sent.
The control unit 18 determines whether or not the input start digit information is “0” (S2). If the input start digit information is “0”, the control unit 18 stores that the input start digit of the password is not specified. A normal password input screen is taken out from the unit 17 and displayed on the operation display unit 7 (S3). When the input start digit information is any one of “2”, “3”, and “4”, the storage unit 17 A password input screen for designating the input start digit is taken out from and displayed on the operation display unit 7 (S4).

Here, the normal password input screen is a conventional password input screen that displays a message “Please enter a password” and a numeric keypad, correction key, confirmation key, and the like.
On the other hand, the personal identification number input screen for designating the input start digit is unique to the present invention, and a message that prompts the user to enter a personal identification number from the digit designated by the input start digit information, for example, the input start digit information is “3”. For example, it is a screen that displays a message notifying the first digit to be entered, such as “Please enter the PIN from the third digit”, a numeric keypad, a correction key, a confirmation key, and the like.

In accordance with the message displayed on the password input screen, the customer operates the operation display unit 7 to input the password (S5).
In this case, enter the 4-digit number from the beginning of the security code on the normal security code input screen, and enter the 4-digit number from the digit corresponding to the digit designation on the security code input screen for specifying the input start digit. Enter. That is, when the password is “4567”, the numbers are entered in the order of “4”, “5”, “6”, “7” on the normal password input screen. On the screen, for example, when there is designation of the third digit from the beginning, numbers are input in the order of “6”, “7”, “4”, “5”.

The control unit 18 transmits the password entered by the customer together with the input start digit information and the customer account information from the communication unit 16 to the host computer, and waits for a response from the host computer 23 (S6).
In the host computer 23, when the communication unit 24 receives the password, the input start digit information, and the customer account information from the control unit 18 of the ATM 1 (S7), the control unit 25 determines whether or not the input start digit information is “0”. If the input start digit information is “0”, the process proceeds to S10. If the input start digit information is “2”, “3”, or “4”, the control unit 25 rearranges the numbers of the passwords based on the input start digit information. For example, if the input is in the order of “6, 7, 4, 5” according to the designation of the third digit from the top as described above, it is rearranged in the order of “4, 5, 6, 7” (S9).

  The control unit 25 retrieves the password of the customer from the storage unit 26 using the account number of the customer account information received from the ATM 1 as a search key, and whether or not the retrieved password matches the password received from the ATM 1. (S10), and in the case of a mismatch, a wrong password input process is performed. In this wrong password input process, a notification requesting re-entry of the password is sent to the ATM 1, and the customer is again input of the password by the ATM 1, and is transmitted again to the host computer.

If the passwords match, the control unit 25 determines to rewrite the input start digit information if the input start digit information is a number other than “0”, and generates new input start digit information. For example, if the current input start digit information is “3”, “2” or “4” is generated as new input start digit information (S11).
Thereafter, the control unit 25 transmits the generated input start digit information and information instructing rewriting from the communication unit 24 to the ATM 1 (S12).

When the communication unit 16 receives the input start digit information and information for instructing rewriting from the control unit 25 of the host computer 23 (S13), the control unit 18 of the ATM 1 sends the input start digit information to the card read / write unit 13. The input start digit information of the customer's card is rewritten (S14).
Thereafter, the control unit 18 executes a transaction process selected by the customer (S15).

  As described above, in the first embodiment, since the input start digit information of the personal identification number is read from the customer's card and the personal identification number is input based on the input start digit information. 4 types of input can be performed using the PIN, so it is difficult for other people in the back and vicinity to look at the finger movement, so it is difficult to guess the correct PIN number. When a transaction is performed using a PIN number estimated by analogy and a fraudulently created card, there is a low possibility that the regular PIN number and the PIN number estimated by analogy match, and the effect of preventing transactions with fraudulent cards can be prevented. can get.

Next, the second embodiment will be described. This second embodiment does not record the input start digit information of the personal identification number on the customer's card, but stores it in the storage unit 26 of the host computer 23 as part of the customer account information. It is supposed to be held.
FIG. 4 is a flowchart showing the second embodiment.
First, when a customer selects a transaction requiring input of a personal identification number, for example, a transaction such as withdrawal (withdrawal) on the transaction selection screen displayed on the ATM 1, a screen prompting insertion of a card is displayed on the operation display unit 7. The

When the customer inserts the card into the card insertion / ejection slot 2 by looking at this screen, the customer account information is read because it is recorded on the card by the card read / write unit 13 (S21) and sent to the control unit 18.
The control unit 18 transmits the customer account information to the host computer (S22).
When the communication unit 24 receives the customer account information from the ATM 1 (S23), the control unit 25 of the host computer 23 searches the storage unit 26 for the input start digit information of the customer using the account number of the customer account information as a search key. (S24) The searched input start digit information is transmitted from the communication unit 24 to ATM1 (S25).

  When the communication unit 16 receives the input start digit information (S26), the control unit 18 of ATM1 determines whether or not the input start digit information is “0” (S27), and the input start digit information is “0”. Assumes that there is no designation of the input start digit of the personal identification number, takes out the normal personal identification number input screen described in the first embodiment from the storage unit 17 and displays it on the operation display unit 7 (S28). When the information is any one of “2”, “3”, and “4”, the password input screen for specifying the input start digit described in the first embodiment is taken out from the storage unit 17 and displayed on the operation display unit 7. Displayed (S29).

In accordance with the message displayed on the password input screen, the customer operates the operation display unit 7 and inputs the password as in the first embodiment (S30).
The control unit 18 transmits the password entered by the customer from the communication unit 16 to the host computer, and waits for an answer from the host computer 23 (S31).
When the communication unit 24 receives the password (S32), the control unit 25 of the host computer 23 determines whether or not the input start digit information of the corresponding customer is “0” (S33). If the input start digit information is “2”, “3”, or “4”, the control unit 25 determines whether the input start digit information is based on the input start digit information. Similar to the first embodiment, the numbers of the passwords are rearranged (S34).

The control unit 25 retrieves the password of the customer from the storage unit 26 using the account number of the customer account information received from the ATM 1 as a search key, and whether or not the retrieved password matches the password received from the ATM 1. (S35), and in the case of a mismatch, the wrong PIN number input process is performed as in the first embodiment.
If the passwords match, the control unit 25 determines to rewrite the input start digit information if the input start digit information is a number other than “0”, and a new input is performed as in the first embodiment. The start digit information is generated, and the input start digit information of the corresponding customer in the storage unit 26 is updated.

Further, the control unit 25 transmits information indicating that the passwords are matched from the communication unit 24 to the ATM 1, and the control unit 18 of the ATM 1 selects the customer when the communication unit 16 receives the information indicating that the passwords are matched. Transaction processing is executed (S36).
Also in the second embodiment described above, the same effect as in the first embodiment can be obtained.

Block diagram of automatic transaction apparatus in the present invention The perspective view which shows the external appearance of the automatic transaction apparatus in this invention Flowchart showing the first embodiment Flowchart showing the second embodiment

Explanation of symbols

1 Automatic transaction equipment (ATM)
7 Operation display unit 13 Card read / write unit 17 Storage unit 18 Control unit 23 Host computer 25 Control unit 26 Storage unit

Claims (6)

In an automatic transaction apparatus that performs transactions by customer operations,
The input start digit information indicating the input start digit of the password is read from the customer's card by the reading means, and on the basis of the input start digit information, the password input screen specifying the input start digit is displayed on the operation display unit. An automatic transaction apparatus characterized by guiding the input of a number. The automatic transaction apparatus according to claim 1,
Receiving new input start digit information from the host device for each transaction, and rewriting the input start digit information recorded on the card to the input start digit information received from the host device by means of writing means Trading device. In an automatic transaction apparatus that performs transactions by customer operations,
Receives the input start digit information indicating the input start digit of the security code from the host device, displays the security code input screen specifying the input start digit based on the input start digit information on the operation display unit, and inputs the security code. An automatic transaction apparatus characterized by guiding. In an automatic transaction system consisting of an automatic transaction device and a higher-level device that performs transactions by customer operations,
The automatic transaction apparatus reads the input start digit information indicating the input start digit of the personal identification number from the customer's card by the reading means, and operates and displays the personal identification number input screen designating the input start digit based on the input start digit information. To enter the PIN code,
The host device transmits a new input start digit information to the automatic transaction device by confirming a match between the password sent from the automatic transaction device and the password stored in the storage unit,
The automatic transaction system is characterized in that the input start digit information recorded on the card is rewritten to input start digit information received from the host device by a writing means. In an automatic transaction system consisting of an automatic transaction device and a higher-level device that performs transactions by customer operations,
The automatic transaction device reads customer account information from the customer's card by reading means and transmits it to the host device,
The upper device reads the input start digit information of the corresponding customer indicating the input start digit of the password based on the customer information from the storage unit and transmits it to the automatic transaction device,
The automatic transaction apparatus is characterized in that a password input screen specifying an input start digit based on the input start digit information is displayed on an operation display unit to guide the input of the password. In the automatic transaction system according to claim 5,
The host device confirms the match between the password sent from the automatic transaction device and the password stored in the storage unit, and rewrites the input start digit information of the corresponding customer to new input start digit information. An automatic transaction system characterized by that.