JP2007079926A - Automatic transaction device - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an automatic transaction device capable of shifting information stored in an IC card to another IC card by an operation by a customer. <P>SOLUTION: The automatic transaction device 1 is provided with a card reader part 12 for reading and writing the information from/to the memory element of the IC card and an IC card transaction processing part for outputting an instruction to write a part or all of the information read from an information transfer origin IC card to an information transfer destination IC card to the card reader part. Then, a part or all of the information read from the information transfer origin IC card inserted to the card reader part 12 is written to the information transfer destination IC card inserted to the card reader part 12. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to an automatic transaction apparatus installed in a financial institution, a convenience store or the like, and more particularly to an automatic transaction apparatus that performs transactions such as cash payment or cash transfer using an IC card by a customer operation.

  Conventional automatic transaction devices store account information such as customer account numbers in bank cards issued by financial institutions, bank account information such as bank account numbers entered by customers, and use that information. In this way, transactions such as cash payments and cash transfers are performed to reduce the operational burden on customers. In the memory element of this IC card, there are various information received from a host device such as a billing host computer and various servers connected by a communication line, history information of transactions performed by the customer using an automatic transaction device, The transfer destination information and the like input in is written and stored by an IC card writing mechanism or the like provided in the automatic transaction apparatus.

In general, an IC card issued to a customer has an expiration date. However, a part or all of information stored in an old IC card using a personal computer, an IC card reader, or the like is newly updated. There is one that copies to an IC card and reissues the IC card (see, for example, Patent Document 1).
Japanese Patent Laid-Open No. 6-231313 (paragraphs “0012” to “0017”, FIG. 1)

  However, in the above-described conventional technology, a customer who possesses an IC card shifts the transaction history and transfer destination information stored in the IC card to a reissued IC card or another IC card with a different account. If this is desired, it is necessary to prepare a special device such as a personal computer and an IC card reader capable of transferring the information stored in the IC card to another IC card, and the information is easily transferred. There is a problem that can not be.

  An object of the present invention is to solve such a problem.

  Therefore, the present invention displays a screen for guiding a customer's operation on the display unit, and accepts the customer's operation at the operation unit to perform a transaction with an inserted IC card storage element. A card reader unit for reading and writing information, and an IC card transaction processing unit for outputting an instruction to write part or all of the information read from the information takeover source IC card to the information takeover destination IC card to the card reader unit. And a part or all of the information read from the information transfer source IC card inserted in the card reader unit is written in the information transfer destination IC card inserted in the card reader unit.

  According to the present invention as described above, a customer who possesses an IC card does not have to prepare a special device such as a personal computer and an IC card reader that can transfer information stored in the IC card to another IC card. In the automatic transaction apparatus, information stored in the IC card can be easily transferred to another IC card by the customer's own operation.

  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 showing a configuration of an automatic transaction apparatus in the embodiment, FIG. 2 is a block diagram showing a configuration of an automatic transaction system in the embodiment, and FIG. 3 is an explanatory diagram showing a configuration of information stored in an IC card in the embodiment. It is.
First, the configuration of the automatic transaction system will be described.
In FIG. 2, reference numeral 1 denotes an automatic transaction apparatus, which is installed in a store of a financial institution such as a bank or a store such as a convenience store. This automatic transaction apparatus 1 can perform transactions such as cash withdrawal, cash deposit and transfer by operation of a customer or the like. The communication line 2 is communicably connected.

The automatic transaction apparatus 1 is a concept that includes a window terminal apparatus that is installed in a sales office of a financial institution such as a bank and can perform transactions such as cash withdrawal, cash deposit and transfer by operation of an attendant or the like.
A host computer 3 is installed in an office center of a financial institution such as a bank. The host computer 3 includes a control unit that is a calculation and control unit such as a CPU (Central Processing Unit) and an MPU (Micro Processing Unit), a storage unit that is a storage unit such as a magnetic disk and a semiconductor memory, and a communication unit that is a communication unit. And is connected to the automatic transaction apparatus 1 or the like via the communication line 2 so that they can communicate with each other.

Further, the host computer 3 transmits / receives a transaction message such as cash withdrawal, cash deposit, and transfer to / from the automatic transaction apparatus 1 to determine whether or not to establish a customer transaction and to process the transaction. In addition, the identity of the customer is confirmed by the customer's account number and the customer's personal identification number.
Reference numeral 4 denotes an IC card having a storage element. The IC card 4 stores customer account information and the like, and when the customer performs transactions such as cash payment and transfer in the automatic transaction apparatus 1, the stored account information and the like are read out. In addition, the IC card 4 stores a transaction history for recording the contents of a transaction performed by the customer, and transfer destination information such as the name of the financial institution, branch name, account number, and telephone number of the transfer destination entered by the customer. It can also be made to. Details of the information stored in the IC card 4 will be described later.

The IC card 4 may be either a contact type IC card or a non-contact type IC card, and may be provided with a magnetic stripe in addition to a storage element.
Next, the configuration of the automatic transaction apparatus will be described.
In FIGS. 1 and 2, reference numeral 11 denotes a customer operation display unit, which is composed of an operation unit such as a touch panel and a display unit such as a liquid crystal display. The customer operation display unit 11 is a touch panel arranged on a display unit such as a CRT (Cathode Ray Tube) display or a liquid crystal display to detect an input operation performed by the customer. A screen for guiding a customer's input operation or the like with respect to the transaction and input information are displayed.

  A card reader printer unit 12 includes a card read / write mechanism, a card transport mechanism, and the like. The card reader printer unit 12 reads account information such as an account number stored in a storage element of the IC card 4 inserted from the card insertion / return port by the customer. The IC card 4 that has read the account number and the like is discharged from the card insertion return slot and returned to the customer. This card insertion / return port is provided with a mechanism for detecting insertion of the IC card 4 and a mechanism for detecting reception of the IC card 4.

  The card reader / printer unit 12 includes an IC card retraction mechanism, and after reading information stored in the first IC card 4 inserted from the card insertion / return slot, the IC card 4 is inserted into the IC card. By transporting to the retracting mechanism and retracting, the insertion of the second IC card 4 can be accepted from the card insertion / return port, and the information stored in the second IC card 4 can be read or written. Is. For example, this IC card retracting mechanism is provided in the back part on the extension of the card conveyance path connecting the card insertion return slot and the card reading / writing mechanism.

Furthermore, the card reader printer unit 12 includes a statement slip printing mechanism, a statement slip conveyance mechanism, and the like, prints the contents of the transaction performed by the customer's operation on the statement slip, and conveys the statement slip through the statement slip conveyance path It is discharged from the statement slip outlet, and the customer receives the discharged statement slip. The statement slip discharge port is provided with a mechanism for detecting that the discharged statement slip has been received.
Reference numeral 13 denotes a deposit / withdrawal unit, which is composed of a banknote deposit / withdrawal machine and a coin deposit / withdrawal machine. The deposit / withdrawal unit 13 performs deposit / withdrawal processing of banknotes and coins associated with cash withdrawal transactions and cash deposit transactions. Here, the deposit processing means that banknotes entered by the customer in the deposit / withdrawal slot are counted by the banknote depositing / dispensing machine and stored in the safe, and the coins inserted in the deposit / withdrawal slot are counted by the coin depositing / dispensing machine and stored in the safe. That is. Also, withdrawing processing, banknotes and coins corresponding to the amount specified by the customer's operation are paid out from the banknote depositing / dispensing machine and coin depositing / dispensing machine safe, counted, and delivered to the depositing / withdrawing port. It is.

The deposit / withdrawal port is provided with a mechanism for detecting inserted bills and coins and a mechanism for detecting receipt of conveyed bills and coins.
The deposit / withdrawal unit 13 is not limited to the one configured with the banknote deposit / withdrawal machine and the coin deposit / withdrawal machine, and may be configured with only the banknote deposit / withdrawal machine. May not be provided.

  Reference numeral 14 denotes a passbook unit, which includes a mechanism for reading and writing the magnetic stripe of the passbook, a passbook transport mechanism, a passbook printing mechanism, and the like. The bankbook unit 14 reads the magnetic stripe of the bankbook inserted from the bankbook insertion / return port, prints the contents of transactions performed by the customer, and discharges it from the bankbook insertion / return port. This passbook insertion / return port is provided with a mechanism for detecting insertion of a passbook and a mechanism for detecting receipt of a passbook. Note that the passbook unit 14 may not be provided.

A journal printer unit 15 is provided with a continuous paper printing mechanism and the like. The journal printer unit 15 prints and records the contents of the transaction performed by the customer, the date and time of the transaction, etc. on continuous paper.
Reference numeral 16 denotes a storage unit which is composed of a semiconductor memory, a magnetic disk, or the like, stores information, and can read the stored information. The storage unit 16 stores a control program (software) for controlling the operation of the entire automatic transaction apparatus 1, screen data displayed on the customer operation display unit 11, information necessary for transactions performed by the customer, and the like.

  Reference numeral 17 denotes a control unit, such as an arithmetic and control unit such as a CPU, a storage unit (not shown), a communication unit that transmits / receives information to / from a host computer 3 connected via the communication line 2, and an IC card transaction described later. It consists of a processing unit and the like. The control unit 17 stores the entire operation of the automatic transaction apparatus 1 in the storage unit 16 including the customer operation display unit 11, the card reader printer unit 12, the deposit / withdrawal unit 13, the passbook unit 14, the journal printer unit 15, and the storage unit 16. Control is performed based on the control program (software).

The control unit 17 also has a calendar and a clock function that are means for measuring the date and time and the like.
In FIG. 1, reference numeral 171 denotes an IC card transaction processing unit, which performs transaction processing such as IC card information transfer for transferring information stored in an IC card performed by a customer operation to another IC card.

Next, information 30 stored in the IC card will be described. In FIG. 3, 31 is account information, which is information related to an account owned by a customer, which is composed of a financial institution code 311, a store number 123, and an account number 313. The financial institution code 311 is for identifying the financial institution of the account owned by the customer, the store number 123 is for identifying the branch of the account owned by the customer, and the account number 313 is the account owned by the customer. It is for identifying.

Reference numeral 32 denotes transaction history information, which records the date and time of the customer's transaction in the automatic transaction apparatus, the details of the transaction, and the like. The transaction history information 32 can record a plurality of transaction histories.
Reference numeral 33 denotes transfer destination information, which includes a financial institution 331, a branch 332, an account number 333, a telephone number 334, and the like, and records information on the transfer destination registered by the customer. For example, the transfer destination information 33 includes a transfer destination financial institution, a branch name, an account number, and a telephone number input by a customer in the automatic transaction apparatus 1 as a financial institution 331, a branch 332, an account number 333, and a telephone. This is stored in the number 334. This transfer destination information 33 can also store a plurality of financial institutions 331, branches 332, account numbers 333, and telephone numbers 334.

Reference numeral 34 denotes client information, which includes the name and telephone number of the transfer requester, and records information on the transfer requester.
In this embodiment, the account information 31, the transaction history information 32, the transfer destination information 33, and the client information 34 are stored in the IC card 4. However, the stored information is not limited to this, and other customer information Such biometric information may be stored.

The operation of the above configuration will be described.

The operation of each unit described below is controlled by a control unit such as a central processing unit (not shown) based on a program (software) stored in a storage unit such as a memory or a magnetic disk (not shown).
FIG. 4 is a flowchart showing the flow of the IC card transaction in the embodiment, which will be described in accordance with steps represented by S in the figure.

  S1: When the proximity sensor of the automatic transaction apparatus 1 (not shown) detects the approach of the customer, the customer operation display unit 11 of the automatic transaction apparatus 1 displays the words such as “I welcome you” and “Drawer”, “O” as shown in FIG. Displays a transaction selection screen consisting of transaction selection buttons such as “Deposit”, “Transfer”, “Card PIN Change”, “Balance Inquiry”, “Passbook”, “Credit Transaction”, “IC Card Transaction” 51, etc. .

S2: When the transaction selection screen is displayed on the customer operation display unit 11, the customer presses the transaction selection button corresponding to the desired transaction. In this embodiment, it is assumed that the transaction selection button of “IC card transaction” 51 is pressed by the customer.
When it is detected that the “IC card transaction” 51 transaction selection button is pressed, the customer operation display unit 11 displays an IC card transaction selection screen shown in FIG. 6 according to an instruction from the IC card transaction processing unit 171. This IC card transaction selection screen is composed of words such as “Please press your desired IC card transaction” and selection buttons such as “confirm transaction details”, “transfer information confirmation”, “IC card information takeover” 61, etc. Is. In this embodiment, it is assumed that the selection button of “IC card information takeover” 61 is pressed.

  S3: Upon detecting the pressing of the “IC card information takeover” 61 button, the customer operation display unit 11 displays the IC card insertion guidance screen shown in FIG. 7 according to an instruction from the IC card transaction processing unit 171. This IC card insertion guidance screen is composed of words such as “Please insert the IC card of the information takeover source” and prompts the customer to insert the IC card 4. The customer inserts the IC card 4 that is the information takeover source from the card insertion / ejection slot according to the IC card insertion guidance screen.

  S4: The card reader printer unit 12 reads account information such as an account number from the storage element or magnetic stripe of the inserted IC card 4. When the IC card 4 is inserted, the customer operation display unit 11 displays a password input screen shown in FIG. On this personal identification number input screen, a text such as “Please enter the personal identification number of the information takeover source IC card” and operation buttons including “1” to “9” and “0” buttons are displayed. When the customer operation display unit 11 displays the password input screen, the customer presses the displayed operation button and inputs the password. When the customer inputs the personal identification number, the control unit 17 transmits the personal identification number together with the account number read from the IC card 4 to the host computer 3 via the communication means. At this time, the customer operation display unit 11 displays a communication screen shown in FIG. This communication screen is composed of words such as “Please wait for a while during communication”.

S5: The host computer 3 searches a customer database (not shown) based on the received account information such as the account number of the customer, extracts a code number, and compares it with the received code number. , Verify your identity. The host computer 3 transmits the result to the automatic transaction apparatus 1 through the communication unit.
The identity verification is not limited to using a personal identification number, and may be identity verification using biometric authentication or the like.

  S6: As a result of the identity verification, if the identity is confirmed, the card reader printer unit 12 instructs the transaction history information 32 and the transfer destination information 33 stored in the IC card 4 as the information transfer source according to an instruction from the IC card transaction processing unit 171. The client information 34 and the like are read and stored in a storage unit (not shown), and then the information transfer source IC card 4 is transported to the card evacuation mechanism, and the information transfer destination IC card 4 is awaited. On the other hand, the customer operation display unit 11 displays the IC card insertion guidance screen shown in FIG. 10 according to an instruction from the IC card transaction processing unit 171.

This IC card insertion guidance screen is composed of words such as “Please insert the IC card of the information transfer destination” and prompts the customer to insert the IC card 4. The customer inserts the IC card 4 as the information transfer destination possessed according to the IC card insertion guidance screen from the card insertion / ejection port.
The IC card transaction processing unit 171 may cause the storage unit 16 to store the transaction history information 32, the transfer destination information 33, the client information 34, and the like read from the IC card 4 that is the information takeover source.

  S7: The card reader printer unit 12 reads account information such as an account number from the storage element or magnetic stripe of the inserted IC card 4. When the IC card 4 is inserted, the customer operation display unit 11 displays a password input screen shown in FIG. On this personal identification number input screen, a message such as “Please enter the personal identification number of the information transfer destination IC card” and operation buttons including “1” to “9” and “0” buttons are displayed. When the customer operation display unit 11 displays the password input screen, the customer presses the displayed operation button and inputs the password. When the customer inputs the personal identification number, the control unit 17 transmits the personal identification number together with the account number read from the IC card 4 to the host computer 3 via the communication means. At this time, the customer operation display unit 11 displays a communication screen shown in FIG. This communication screen is composed of words such as “Please wait for a while during communication”.

S8: The host computer 3 searches a customer database (not shown) based on the received account information such as the account number of the customer, extracts a code number, and compares it with the received code number. , Verify your identity. The host computer 3 transmits the result to the automatic transaction apparatus 1 through the communication unit.
The identity verification is not limited to using a personal identification number, and may be identity verification using biometric authentication or the like.

  S9: As a result of the identity verification, if the identity is confirmed, the customer operation display unit 11 displays a takeover data selection screen shown in FIG. 12 according to an instruction from the IC card transaction processing unit 171. This transfer data selection screen has a phrase such as “Please select information to transfer.” And “Previous transaction history”, “Transaction history one month”, “Transaction history one week”, “All information”, “Payee information” ”121,“ Transferee information selection ”,“ All client information ”,“ Client information selection ”, and the like. In this embodiment, it is assumed that the selection button of “front transfer destination information” 121 is pressed.

  S10: Upon detecting that the selection button of “all transfer destination information” 121 has been pressed, the card reader printer unit 12 uses the instruction of the IC card transaction processing unit 171 to store the transfer destination information 33 stored in the storage unit as the information transfer destination IC. Write to card 4. At this time, the customer operation display unit 11 displays the information transfer in progress screen shown in FIG. This information transfer screen displays a message such as “Please wait while the information is transferred”.

  S11: When the process of writing the transfer destination information 33 to the information transfer destination IC card 4 is completed, the card reader printer unit 12 discharges the information transfer destination IC card 4 from the card insertion / extraction port according to an instruction from the IC card transaction processing unit 171. Return it to the customer. At this time, the customer operation display unit 11 displays the IC card return screen shown in FIG. This IC card return screen is composed of words such as “Please receive the IC card of the information takeover destination” and prompts the customer to receive the IC card 4 of the information takeover destination.

The transfer destination information 33 of the information transfer source IC card 4 may be deleted when the process of writing the transfer destination information 33 to the information transfer destination IC card 4 is completed.
S12: Upon detecting that the IC card 4 as the information transfer destination has been received, the card reader printer unit 12 discharges the IC card 4 as the information transfer source from the card insertion / discharge port according to the instruction from the IC card transaction processing unit 171, and return. At this time, the customer operation display unit 11 displays the IC card return screen shown in FIG. This IC card return screen is composed of words such as “Please receive the IC card of the information takeover source” and prompts the customer to receive the IC card 4 of the information takeover source.

When it is detected that the IC card 4 as the information takeover source has been received, the IC card transaction is terminated.
In this embodiment, the automatic transaction apparatus 1 having one card reader printer unit 12 that accepts insertion of two IC cards has been described. However, the information transfer source IC card 4 and the information transfer destination IC card 4 The configuration of the automatic transaction apparatus 1 provided with two card reader printer units 12 may be adopted so that the two IC cards 4 can be received from different card insertion / ejection ports.

  In addition, one card reader printer unit 12 that accepts the insertion of one IC card is provided, the insertion of the IC card 4 as the information takeover source is accepted, the information stored in the storage element is read, and then the IC card 4 is removed. The information may be returned to the customer, and then the insertion of the information transfer destination IC card 4 may be accepted and the information read from the storage element of the information transfer source IC card 4 may be written.

  As described above, in this embodiment, a customer who has two or more IC cards can easily use the automatic transaction apparatus to transfer the information stored in the IC card of the information transfer source to the IC card of the information transfer destination. It can be migrated, and the effect of improving the convenience for customers is obtained.

The block diagram which shows the structure of the automatic transaction apparatus in an Example. The block diagram which shows the structure of the automatic transaction system in an Example Explanatory drawing which shows the structure of the information which the IC card in an Example memorize | stores The flowchart which shows the flow of IC card transaction in an Example Explanatory drawing which shows the transaction selection screen in an Example Explanatory drawing which shows the IC card transaction selection screen in an Example Explanatory drawing which shows the IC card insertion guidance screen in an Example Explanatory drawing which shows the PIN code input screen in an Example Explanatory drawing which shows the screen during communication in an Example Explanatory drawing which shows the IC card insertion guidance screen in an Example Explanatory drawing which shows the IC card insertion guidance screen in an Example Explanatory drawing which shows the takeover data selection screen in an Example Explanatory drawing which shows the information taking over screen in an Example Explanatory drawing which shows the IC card return screen in an Example Explanatory drawing which shows the IC card return screen in an Example

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Automatic transaction apparatus 2 Communication line 3 Host computer 4 IC card 11 Customer operation display part 12 Card reader printer part 13 Deposit / withdrawal part 14 Passbook part 15 Journal printer part 16 Storage part 17 Control part

Claims (4)

In an automatic transaction apparatus that displays a screen for guiding a customer's operation on the display unit and accepts the customer's operation in the operation unit and performs a transaction,
A card reader unit for reading and writing information with the storage element of the inserted IC card;
An IC card transaction processing unit that outputs an instruction to write part or all of the information read from the information transfer source IC card to the information transfer destination IC card to the card reader unit;
An automatic transaction apparatus, wherein a part or all of information read from an information transfer source IC card inserted into the card reader unit is written into an information transfer destination IC card inserted into the card reader unit. In the automatic transaction apparatus of Claim 1,
The card reader unit is provided with an IC card retracting mechanism for retracting the inserted IC card,
After reading the information from the inserted information takeover source IC card and storing it in the storage means, the IC card is saved in the IC card withdrawal mechanism, and the insertion of the information takeover destination IC card is accepted and stored in the storage means An automatic transaction apparatus characterized in that part or all of information is written to the information transfer destination IC card. In the automatic transaction apparatus according to claim 1 or claim 2,
An automatic transaction apparatus comprising a screen displaying a selection button that allows a part of or all of information to be written to the information transfer destination IC card to be selected by a customer's operation. In the automatic transaction apparatus of Claim 3,
An automatic transaction apparatus characterized in that information to be written into the information transfer destination IC card is transaction history, transfer destination information and client information.