JP2007172004A - Automatic machine transaction system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To prevent leaking of personal information that may be caused by indication of the personal information on an itemized account or a customer operation screen of an automatic machine. <P>SOLUTION: A screen of a portable terminal (a mobile phone or the like) is smaller than a screen of the automatic machine, and it is easy to prevent peeking by another person by freely changing a direction or angle, or covering the screen by hand. Consequently, personal information is stored in a Web server or the like and not indicated on the screen of the automatic machine or the itemized account, and only an identification code such as a QR code including stored location information is indicated on the customer operation screen of the automatic machine or the itemized account. Leaking of personal information is prevented by photographing the identification code by a camera of the portable terminal, accessing a site prepared by a bank by the portable terminal, and displaying the information on the portable terminal. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The technical field relates to automatic machines used in financial institutions.

In an automatic machine such as an automatic teller machine (hereinafter referred to as ATM), personal information such as an account number, a balance, and a name is displayed on a display device or a statement slip during the transaction.
On the other hand, a code such as a QR code including address information is displayed on the display device, and this is captured by a mobile phone camera to access the address information destination, thereby displaying advertisements other than transactions on the display unit of the mobile phone. The technology is shown in the following patent literature
JP 2005-115665 A

  It is an issue to prevent personal information from leaking by displaying personal information on the display device or statement slip of an automatic machine, or by peeping them into others or picking up lost statement slips by others. .

  Patent Document 1 aims to display information related to advertisements, etc. not directly related to transactions, but not related to the transaction itself, on the portable terminal by the same means. It cannot be applied to and does not contribute to security improvement.

  The display unit of a portable terminal (such as a mobile phone) is smaller than the display device of an automatic machine, and it is easy to prevent others from peeping by freely changing the direction and angle or covering the screen with hands. Therefore, personal information is stored in a Web server or the like without being displayed on the display device or statement slip of the automatic machine, and an identification code such as a QR code including storage location information is displayed on the display device or statement slip of the automatic machine. This identification code is photographed by a reading device such as a camera of a portable terminal, and the information is displayed on the portable terminal by accessing the site prepared by the bank from the portable terminal, thereby preventing leakage of personal information.

  It is possible to check the personal information on the display unit of the mobile terminal owned by the end user, not the display device of the automatic machine that is located in a public place and it is difficult to move the screen or cover it completely. It becomes possible to confirm personal information above.

  Hereinafter, an example of an embodiment suitable for the present invention will be described in detail with reference to the drawings. However, the present invention is not limited to this embodiment.

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

  In FIG. 1, reference numeral 1 denotes an ATM operated by an end user. In this embodiment, the description will be made on the premise of an ATM of a financial institution, but it is possible to replace it with an automatic machine in general that is assumed to be directly operated by an end user such as an unmanned contract machine or an information KIOSK terminal. The industry is not limited to financial institutions. 1 ATM controls the following units 1-2 to 1-8 by the control unit 1-1. 1-2 is a display device such as a liquid crystal panel for displaying a message word or the like to the end user, 1-3 is an input device such as a touch panel that is operated and input by the end user, and 1-4 is an ATM and a host computer described later. A line control unit that communicates with 2-1, a card reader that reads a card such as a magnetic card or an IC card held by an end user, 1-6 a cash unit that holds cash and deposits and withdraws, 1-7 is a passbook printer that prints on a passbook owned by the end user, and 1-8 is a printer that prints and issues a statement slip / receipt to the end user.

  Reference numeral 2 denotes a center of a financial institution or the like, and a Web server 2 for fetching a part of information from the host computers 2-1 and 2-1 for performing accounting processing for the ATM 1 and providing information to the end user via the network. -2 is installed.

  3 is an infrastructure of a mobile phone company, a base station 3-1 for communicating with a camera-equipped mobile phone 4 possessed by an end user, an exchange 3-2 for connecting information from the mobile phone to a connection destination, the Internet It comprises a server 3-3 for connecting to the network. The mobile phone 4 has a reading mechanism 4-1 such as a camera that reads an identification code such as a QR code, a display unit 4-2 that can display characters and images, and an input unit 4-3 that inputs characters. In this embodiment, the end user uses a camera-equipped mobile phone. However, the mobile phone is not limited to a mobile phone, and any other portable terminal such as a PDA may be used. The infrastructure is a network provided by a service provided by an Internet service provider. It does not matter if it is connected to.

  11 is a line connecting the line control unit 11 and the host computer 2-1, and 12 is a line connecting the server 2-2 and the server 3-3.

  FIG. 2 shows an ATM processing flow, and FIG. 3 shows an operation / processing flow on a mobile phone. Hereinafter, a specific processing flow will be described with reference to FIG. 2 and FIG.

First, a transaction selection screen is displayed on the ATM display device (1-2) according to the flow of FIG. 2 (102), various transactions that can be handled by the ATM are displayed, and input from the end user is waited for input (103). wait. When “transfer” processing is selected by input from the input device (1-3) of the end user, a screen for selecting whether or not to use the mobile phone for transaction processing is displayed (104) and input waiting is performed ( 105). (If the end user selects “Do not use”, the process is performed by operating only the ATM as usual.) If the end user selects “Use” of the mobile phone, a card insertion waiting screen is displayed. (106) A card insertion wait state is entered (107). When the end user inserts the card of his / her account, a password input screen is displayed (108) and the input is awaited (109). When the personal identification number is input, the ATM 1 performs a personal identification number confirmation process (110) with the host computer 2-1 via the line control unit 1-4 and the line 11. If it is confirmed that the personal identification number is correct, a transfer information input screen (111) is displayed, and input is awaited (112). Here, when the end user inputs the transfer information such as the transfer amount, transfer account number, transfer name, etc. from the ATM input device, the input character itself is not displayed on the ATM display device 1-2. The digit part is displayed with a hidden character such as * or ● to prevent others from peeping at the deposit. After completion of the input by the end user, the ATM transmits the transfer information to the host computer 2-1 via the line control unit 1-4 and the line 11 in processing 113. The host computer stores the deposit amount information in the Web server 2-2 and receives information (such as a URL) indicating the storage location from the server 2-2. The ATM receives this storage location information from the host (114). The ATM generates a QR code including the storage location information received at 114 (115), displays the QR code on the ATM display section (1-2) (116), and waits for processing selection (117). FIG. 4 shows an example of display on the ATM display unit. The end user captures the QR code with the camera 4-1 of the mobile phone 4 according to the flow of FIG. 3 (202). The mobile phone 4 accesses (203) the Web server 2-2 via the mobile phone company infrastructure (3) and the line 12 by the information included in the captured QR code. (Here, a QR code is used as an example, but other codes may be used as long as they can hold information for accessing a designated site based on information photographed by a camera.)
When accessing, a password entry shall be provided on the Web server for security purposes. A password input waiting screen for that purpose is displayed on the display unit 4-2 of the mobile phone (204), and the mobile phone enters an input waiting state (205). When the end user inputs and transmits a password from the mobile phone, the mobile phone 4 transmits the password to the Web server. (206). If the password is correct, the Web server 2-2 permits access and returns the transfer content information to the mobile phone 4. After receiving the transfer content information (207), the cellular phone 4 displays the received content on the display unit 4-2 (208). After confirming that the end user is not peeping from the surroundings, the end user confirms the information displayed on the display unit 4-2. If the content is correct, the end user presses the confirmation button from the ATM input device 1-3.

  When the confirmation button is pressed, the ATM requests the host computer to execute the billing process (118). During this process, the host computer stores information equivalent to the content to be printed on the statement slip in the Web server. The storage location information is transmitted to. After receiving this, the ATM displays a statement slip output selection screen (119) and waits for input (120).

  Although an example in which the confirmation button is pressed from the ATM input device in the process 117 is shown here, the input is made from the input unit 4-3 of the mobile phone, and the confirmation is notified from the mobile phone 4 to the host computer via the Web server. Also good.

  The input content in the process 120 is selected from “display a QR code on a screen without outputting a detailed slip”, “output a detailed slip with a QR code”, “display a normal slip as usual”, and the like.

  Here, assuming that “output a QR code with a detailed slip” is selected, a QR code including information on the storage location of the detailed slip information received from the host computer is generated at 118 and printed from the schedule printer. The statement slip is output (121). When the end user confirms the transaction contents at a later date, the user confirms the contents by photographing the QR code with the camera of the mobile phone according to the flow of FIG. After the statement slip is output, the card is ejected in order to return the card (122), and the series of processes is terminated.

The figure which shows the structural example of an automatic machine transaction system Diagram showing an example of the processing flow of an automatic machine A diagram showing an example of the processing flow of a portable terminal The figure which shows an example of the QR code display screen which is displayed on the display device of the automatic machine

Claims (3)

  In systems related to automated machines that are directly operated by the end user, personal information that needs to be displayed to confirm transaction details during the end user's transaction operations, etc. The end user can adjust and move to a position and angle that cannot be seen by others without output and display it on the display unit of a portable terminal that can be viewed for ensuring safety to improve security. Automatic machine transaction system characterized by In claim 1,
A QR code or the like including personal information storage location information is displayed on the display device or statement slip of the automatic machine, and this is taken in by the reading device of the portable terminal, and on the network from the portable terminal based on this storage location information An automatic machine transaction system characterized in that a personal information storage location is accessed and displayed on a display unit of a portable terminal. In claim 1 and claim 2,
The automatic machine transaction system is characterized in that the display device of the automatic machine does not display any guidance related to the transaction regardless of whether or not it includes personal information, and displays only on the display unit of the portable terminal.

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