JP2007188153A - Automatic transaction device - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an automatic transaction device for preventing a third person from easily knowing an account number or code number even when observing the operation of a customer or recording it by a camera, and for preventing the cash card of a customer from being abused. <P>SOLUTION: The guidance screen of transaction is displayed by arbitrarily switching an image which can be viewed from the direction of a first viewing angle and an image which can be viewed from the direction of a second viewing angle, or one guidance screen is separately displayed on a screen for a direction of the first viewing angle and a screen for a direction of the second viewing angle. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to an automatic transaction apparatus that is installed in a financial institution's store, a convenience store, or the like, and that performs display control of a screen that guides a transaction operation such as input of a password or money amount.

  2. Description of the Related Art In recent years, an automatic transaction apparatus installed in a store of a financial institution such as a bank, a convenience store, or the like can make a settlement immediately by a customer's operation using a cash card.

  FIG. 12 is a perspective view of a conventional automatic transaction apparatus. In this case, the information terminal will be described. In the figure, 11 is an information terminal for purchasing products according to catalog information, 12 is a monitor having a display with a touch panel, and the monitor 12 displays a screen of catalog information and the like in a hierarchical manner on the display. Reference numeral 13 denotes a card reading / writing unit for inserting / removing a cash card (not shown) and reading / writing information to / from the cash card, and 14 is a receipt print output unit for printing a receipt (not shown) and discharging the receipt. It is.

  In the information terminal 11 configured as described above, when a customer as an operator touches a touch panel on each screen to select an item and designates a product to be purchased, a purchaser name / destination guidance screen is displayed. Subsequently, the customer touches the touch panel on the purchaser name / destination guide screen and inputs the purchaser's name, destination, and the like. Next, when the customer inserts the cash card into the card reading / writing unit 13 and inputs the password and the payment amount on the password input screen, the payment amount input screen, etc., for example, the host computer of the settlement center via the ISDN line The personal identification number is collated, and if the personal identification number is correct, the customer's original book is updated, and the payment amount, fee and delivery fee are deducted from the balance.

  In this way, when the settlement is completed, downlink data of transaction contents is transmitted from the host computer to the information terminal 11. When receiving the downlink data, the information terminal 11 edits a part of the downlink data and discharges the receipt from the receipt print output unit 14. When the customer receives the receipt, the transaction ends.

  However, in the conventional information terminal 11, when a third party can obtain the customer's cash card by some method, for example, by observing the screen display of the information terminal 11 and the customer's operation, If the password can be known based on the movement of the finger, the cash card is abused.

  Therefore, as shown in FIG. 13, on the numeric keys and other keys of the numeric keypad displayed on the password input screen, the size of the number for entering the password for the number key itself is determined from the size of the characters for the other keys themselves. A technique for preventing the personal identification number from being known from the screen display and the movement of the customer's finger by reducing the position or changing the position of each numeric key at random is effective.

As prior art document information related to the invention of this application, for example, Patent Document 1 is known.
JP 2000-99801 A

  However, in the conventional automatic transaction apparatus, a camera is provided in the vicinity of the automatic transaction apparatus, and the account number and the personal identification number are known by recording information and customer actions recorded on the surface of the cash card. If it is possible, the cash card may be abused.

  In view of the above-described problems, the present invention solves the problems of the conventional automatic transaction apparatus, and a third party cannot know a personal identification number even when observing a customer's operation. It is an object of the present invention to provide an automatic transaction apparatus in which an account number, a personal identification number, and the like cannot be easily obtained even if recorded in the above, and a customer's cash card is not abused.

  In order to achieve the above object, the present invention provides an automatic transaction apparatus including a display unit for displaying a transaction guide screen, wherein the display unit can be viewed from a first viewing angle direction, and the first viewing angle direction. An image that can be viewed from a second viewing angle direction different from the first viewing angle direction is displayed, and transaction guidance is performed by switching between the first viewing angle direction image and the second viewing angle direction image.

  According to the present invention, the transaction guidance screen can be displayed by arbitrarily switching between an image that can be viewed from the first viewing angle direction and an image that can be viewed from the second viewing angle direction, or one Since the guidance screen is divided into a screen for each direction of the first visual field and a screen for each direction of the second visual field, for example, a malicious third party can perform a series of customer actions and transactions behind the customer. Even if the guidance screen is observed or the customer's operation is recorded by providing a camera, it is possible to prevent the password or the like from being known from the customer's operation or the screen.

  Embodiments of the present invention will be described below with reference to the drawings.

First, the configuration of the first embodiment will be described.
FIG. 3 is a control block diagram of the automatic deposit / withdrawal transaction apparatus (hereinafter referred to as ATM) in the first embodiment, and FIG. 4 is a perspective view showing the appearance of the ATM.

  In the figure, 31 is an ATM and 32 is a card processing unit, which is issued by a financial institution and stores a customer identification card (hereinafter referred to as a customer ID card, customer account number, name, etc.) for each financial institution. It has a function of reading out the stored information from a transfer-only card (hereinafter referred to as a transfer card) in which transfer information such as a bank card or a transfer destination organization code is recorded. A financial card or a transfer card is inserted or returned through a card insertion / return port 32a connected to the front side of the card processing unit 32.

  Reference numeral 36 denotes a passbook processing unit which performs a printing process on a passbook inserted from the passbook insertion / return port 36a. Further, a mechanism for reading and updating stored information, a means for detecting a printed page row, a page breaker, etc. are provided by a mechanism not shown. Have. A statement slip processing unit 38 prints transaction details and issues a statement slip issued to a customer according to a procedure described later.

40 is a banknote depositing / withdrawing unit which authenticates and counts banknotes deposited by a customer, and transports them to store them in a denomination storage safe (not shown), or pays out banknotes paid to a customer from the denomination storage safe. It is.
41 is a coin deposit / withdrawal unit, which authenticates and counts the coins deposited by the customer, transports them and stores them in a denomination storage vault (not shown), or pays out coins paid to the customer from the denomination vault It is.

  The banknote depositing / dispensing unit 40 and the coin depositing / dispensing unit 41 are coupled to a customer service port 42 through which a customer inserts bills and coins (hereinafter referred to as money) or pays the customer money. In addition, the customer service opening 42 regulates the insertion and removal of money by operating a shutter 42a by driving means (not shown).

Reference numeral 43 denotes a display input unit, which is a touch panel for performing transaction guidance display for inputting a transaction by a customer or inputting an operation, and is configured to allow pen input.
A display example in the display input unit 43 is shown in FIG. The display input unit 43 can simultaneously display an image (b) that can be viewed from the first viewing angle direction and an image (c) that can be viewed from a second viewing angle direction different from the first viewing angle direction. It has become. The customer visually recognizes two images displayed by moving the line of sight to the left or right with respect to the display input unit 43.

Reference numeral 44 denotes an audio guidance unit for inducing a transaction by voice together with the aforementioned transaction induction display to the customer.
Reference numeral 45 denotes a memory unit composed of a RAM, a ROM, a magnetic disk, or the like in which programs for performing various controls are stored. F section).

Reference numeral 47 denotes a transmitter / receiver (handset) that can be connected to the host computer via the I / F unit 46 and can input and output by voice.
A main control unit 48 controls each of the above units, and has a control function (not shown) for recognizing a character input by a pen at the display input unit 43 and performing kanji conversion to display a screen.
Reference numeral 49 denotes a power supply unit that supplies power to each of the above units.

  FIG. 6 is a conceptual diagram showing a connection form in the case where the transfer process is performed in a situation where the transfer person and the payee have an account in the same financial institution. In the figure, 31 is an ATM as described above, and is connected to the host computer 50 by the dedicated line 51 from the I / F unit 46. Reference numeral 52 denotes a storage unit connected to the host computer 50, which stores various information including a customer's address, name, and account number information.

  Next, a display example of the display input unit 43 shown in FIG. 1A will be described. FIG. 1 is an example of a transaction selection screen at the start of a transaction, and “payment”, “deposit” or transfer that is a transaction item. A “transfer” for starting the process is displayed, and a transaction is selected by lightly touching the display input unit 43.

Then, the effect | action of the structure mentioned above is demonstrated.
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) of the memory unit 45.

  The transfer process will be described with reference to the flowchart shown in FIG. First, as shown in FIG. 1A, when “Transfer” is selected from the transaction selection screen of the display input unit 43 (SA1), “Please insert card” is displayed on the screen. The “insert card” display at this time is displayed on the screen in the first viewing angle direction as shown in FIG. For example, “Please operate on the left screen” is displayed on the screen in the second viewing angle direction, and guidance is performed so that the operation proceeds on the opposite screen.

  When the transfer person inserts the financial card through the card insertion / return port 32a (SA2), the financial card is taken into the card processing unit 32, the stored information is read, and the information is transmitted to the host computer 50 via the dedicated line 51. At the same time, “Please enter your password” is displayed on the display input section 43 to prompt the user to input the password determined for each transfer person.

  The display at this time is displayed on the screen in the first viewing angle direction as shown in FIG. For example, “Please operate on the left screen” is displayed on the screen in the second viewing angle direction, and guidance is performed so that the operation proceeds on the opposite screen. When the transfer person inputs a two-digit password (SA3), “Please operate on the right screen” is displayed on the screen in the first viewing angle direction as shown in FIG.

  The screen configuration at this time is different from that shown in FIG. 1C in the display position in the screen and the arrangement of the numeric keys. When the transfer person inputs the third digit and the fourth digit of the personal identification number (SA4), the customer / account number information in the storage unit 52 connected to the host computer 50 is searched and collated with the information. If they do not match, the message “The password is different, please enter the password again” is displayed and a re-input is requested (SA5).

  The display at this time is displayed on the screen in the first viewing angle direction as shown in FIG. If there is a discrepancy even after re-input for a predetermined number of times (SA6), the financial card is taken in or returned to the ATM (SA7), and a message to that effect is displayed on the display input unit 43, and the process is terminated. This taken-in or returned financial card is processed by a staff member, but the explanation is omitted. When the match of the password is confirmed, “Please insert the transfer card” is displayed on the display input unit 43 and the transfer card is inserted from the card insertion return port 32a. (SA8)

  The display at this time is displayed on the screen in the second viewing angle direction as shown in FIG. The inserted transfer card is taken up to the card processing unit 32, the stored information is read, the information is transmitted to the host computer 50 via the dedicated line 51, and the name of the financial institution of the transfer destination and the business are sent to the display input unit 43. Each information such as the store name, the recipient, and the transfer amount is displayed as shown in FIG. 1 (g) (SA9). At this time, the transfer requester, the payee, and the account number of the payee are displayed in each direction of the first field of view, and the name of the payee financial institution, the store name, and the transfer amount are displayed in each direction of the second field of view.

  Subsequently, it is selected whether the transfer process is from the “deposit account” of the transfer person or the transfer process by “cash” (SA10). When transferring by cash, the shutter 42a of the customer service opening 42 is opened to allow the insertion of money, prompting the insertion of money for transfer (SA11), and moving to the operation of taking the inserted money (following money processing) The description will be given later).

  In addition, as for the transfer process from the account, the process of subtracting the amount specified from the deposit account of the transfer person and adding the same amount to the recipient account is performed, but instead of actually sending money, each customer's Needless to say, it is to update the deposit and saving amount data in the ledger file (SA12). Furthermore, the transfer fee may be reduced from the deposit account of the transfer person.

  Subsequently, the financial card and the transfer card held in the card processing unit 32 are ejected from the card insertion return port 32a and returned to the transfer person (SA20), and a predetermined item is printed as a transaction statement slip in the statement slip processing portion 38. At the same time, if there is a change, it is discharged to the service port 42 (SA21), and the transfer operation at the ATM is completed.

Next, the taking-in operation when cash is inserted as a transfer money will be described.
When the transfer cash is inserted into the customer service opening 42 (SA30), the cash is taken into the ATM, the authenticity discrimination and the count are performed, and the result is totaled for each denomination, and the total amount and the transfer amount are displayed on the display input unit 43. (SA31) and the cash is transported to a temporary storage unit (not shown). When the transfer person verifies the displayed amount, the inserted amount, and the transfer amount, and the "confirmation" button is pressed and it is determined that there is no problem (SA32), the cash in the temporary storage unit is transferred to a denomination safe deposit box (not shown). Stored (SA33).

  When the amount of inserted cash is insufficient, a screen display requesting additional insertion is performed. Next, whether or not there is a change is determined (SA34), and a change process is performed when there is a change (SA35).

  In addition, as for the transfer process with cash insertion, the process of counting the cash inserted by the transferor and adding the same amount to the recipient's account is performed, but instead of actually sending money, the recipient's ledger file Needless to say, it is to update the deposit and savings amount data in (SA36). In addition, the transfer person may be required to pay a transfer fee when inserting cash.

  Subsequently, the financial card and the transfer card held in the card processing unit 32 are ejected from the card insertion return port 32a and returned to the transfer person (SA20), and a predetermined item is printed as a transaction statement slip in the statement slip processing portion 38. At the same time, if there is a change, it is discharged to the service port 42 (SA21), and the transfer operation at the ATM is completed.

  As described above, according to the first embodiment, an image that can be viewed from the first viewing angle direction and a second viewing angle direction that is different from the first viewing angle direction are displayed on the display input unit in the automatic transaction apparatus. Display means for simultaneously displaying images that can be displayed, and in this display input unit, the transaction guidance screen can be viewed from the first viewing angle direction and the second viewing angle direction. By arbitrarily switching and displaying the images, for example, even if a malicious third party observes the customer's operation behind the customer, the personal identification number cannot be known from the customer's operation.

  In addition, even if a camera is installed in the vicinity of the automatic transaction apparatus to record a customer's action, the two viewing angles are different, so it is impossible to record both on the camera at the same time. Since it is impossible to know all the numbers and passwords, it is possible to prevent misuse of cash cards and to provide an excellent and safe automatic transaction apparatus.

  Or, in the transfer destination information display in the transfer transaction, even if the information on one screen is obtained by dividing the transfer account number and the name of the transfer financial institution and displaying it, it does not mean that all the information has been acquired. Can be prevented.

  In the first embodiment, when the PIN code input is guided, the display in the first viewing angle direction and the display in the second viewing angle direction are switched every two digits. The screen may be switched for each digit.

  Moreover, although it demonstrated that the display in a 1st viewing angle direction and the display in a 2nd viewing angle direction were alternately performed with respect to the screen which induces a transaction, it is not limited to this, For example, PIN number For example, it may be performed only when inputting highly confidential information such as.

  Moreover, although the example which displays a transfer destination information was demonstrated as an example which displays the information which should be displayed on 1 screen divided into right and left, it is not limited to this, For example, confidentiality, such as a PIN code, is shown. You may apply when displaying high information.

Next, a second embodiment will be described.
Since the configuration of the second embodiment is the same as that of the first embodiment, the same reference numerals are given and description thereof is omitted.

  FIG. 7A is an example of a transaction selection screen at the start of the transaction, and displays “payment”, “deposit” that is a transaction item, “transfer” for starting the transfer process, and the like. The transaction is selected by lightly touching the display input unit 43.

Furthermore, buttons such as “left display” and “right display” (hereinafter referred to as screen display selection buttons) are displayed, and it is possible to select which side the screen is displayed on. The screen display selection button is always displayed on the screen during the transaction, and the customer can select which side to display on the left or right side at an arbitrary timing.
In addition, when the “both sides display” button is selected, the guidance screen can be viewed from either the left or right side.

Then, the effect | action of the structure mentioned above is demonstrated.
This will be described with reference to the flowchart of FIG. For example, when the transaction process shown in the flowchart of FIG. 2 is performed, the screen display selection button is always displayed during the transaction process (SB1) as shown in FIG. If selected, the transaction guidance screen is displayed only on the left side as shown in FIG. 7B, and the guidance screen is not displayed on the right side (SB2).

Accordingly, the customer who selects “left display” operates by looking at the screen seen from the left side. Here, if popularity is felt behind the left side, the customer presses the “right display” button (SB1). Then, the screen is displayed on the right side (SB4), and the screen cannot be seen from behind the left side.
When the “both sides display” button is pressed (SB1), the guidance screen is displayed on both the left and right sides, and a conventional transaction is possible even when standing in front of the ATM.

  As described above, according to the second embodiment, since the customer can select at any timing during transaction processing whether the guidance screen is displayed from the left or right side, there is no person when the user feels popularity behind the scene. The viewing angle can be switched to the viewing angle from the side. For example, even if a malicious third party observes the customer's operation behind the customer, the password cannot be known from the customer's operation.

  Further, in the first embodiment, for example, when the guidance display is performed from the left side, the message “Please operate on the left screen” is displayed on the right side display. There was a risk that the three parties would go around to the left and look into it, but in the second example, the person who was malicious was not aware that the guidance screen was displayed on the left side of the person viewed from the right side. There is no fear of peeking around the left side.

  In the first embodiment, the customer needs to move the line of sight to the left and right in the operation of each step. However, according to the second embodiment, the line of sight from one direction is displayed unless the screen selection button is pressed. Since it can be fixedly operated, such trouble is eliminated.

  In the second embodiment, nothing is displayed on the unselected screen, but notifications from commercials, banks, etc. may be displayed instead.

Next, a third embodiment will be described.
Since the configuration of the third embodiment is the same as that of the first embodiment, the same reference numerals are given and description thereof is omitted.

  Fig. 9 shows an example of the transaction selection screen at the start of the transaction. The transaction item "Payment", "Deposit" or "Transfer" to start the transfer process is displayed. A transaction is selected by lightly touching the input unit 43.

  In addition, “Left side display” and “Right side display” buttons are displayed so that the screen can be selected on the left or right side. Note that this screen display selection button is displayed only for the first step after the start of the transaction, and is not displayed on the screen during the transaction. The customer can select which side to display on the left or right side at the start of the transaction.

  FIG. 10 is an example of a screen when a password is entered. The screen configuration at this time has the same numeric keypad arrangement on the left and right, but the contents of the numeric keypad (that is, the arrangement of numbers) are different.

Then, the effect | action of the structure mentioned above is demonstrated.
This will be described with reference to the flowchart of FIG. For example, when the transaction process shown in the flowchart of FIG. 2 is performed, a screen display selection button is displayed on the transaction selection screen at the start of the transaction shown in FIG. 11 (SC1).

  When transaction processing proceeds and the password input screen is displayed, if “left side display” is selected in SC1, the regular numeric arrangement is displayed only on the left side as shown in FIG. 10, and the same numeric keypad arrangement is on the right side. Displays a completely different number sequence. (SC2).

  Therefore, the customer who has selected “left display” operates by looking at the screen seen from the left side when entering the password. Here, if there is a person looking into the screen from behind the right side, it seems as if he / she is entering a PIN number, but it is like pressing the numeric keypad of the dummy number array. I'm just watching.

For example, in the example of FIG. 10, if the regular password is “1234”, the customer views the left screen and inputs “1234”. Then, it looks as if “8920” has been input to the third party looking from the right side.
On the other hand, if the “right side display” button is first pressed (SC1), the numeric keypad of the screen viewed from the right side becomes the regular numeric layout when the personal identification number is input, and the numeric layout of the numeric keypad of the screen viewed from the left side is It becomes a dummy (SC3).

As described above, according to the third embodiment, since only the numeric keypad of the screen on the side desired by the customer has a regular numerical arrangement, a third party with malicious intent from a screen on the side different from that Even if the customer's actions are observed behind the password, the password cannot be stolen.
In the third embodiment, the screen display selection button is displayed only when the first transaction is selected. However, the screen may be always selected as in the second embodiment, or at any timing. A screen display selection button may be displayed.

Although the first to third embodiments have been described above, the present invention is not limited to the above embodiments, and various modifications can be made. For example, a combination of the first to third embodiments may be used.
In the first to third embodiments, an automatic transaction apparatus used in a financial institution is taken as an example. However, the present invention is not limited to this, and operators such as railway ticket machines and airport ticket machines are not limited thereto. The data input by the system includes confidential information and is a device installed in a public area, and the great effect of the present invention can be expected.

Explanatory drawing which shows the transaction selection screen of ATM in 1st Example Explanatory drawing which shows the card insertion instruction | indication screen of ATM in 1st Example Explanatory drawing which shows the PIN code input screen of ATM in the 1st example Explanatory drawing which shows the PIN code input screen of ATM in the 1st example Explanatory drawing which shows the PIN code re-input screen of ATM in a 1st Example Explanatory drawing which shows the transfer card insertion instruction screen of ATM in 1st Example Explanatory drawing which shows the transfer information display screen of ATM in 1st Example Flow chart in the first embodiment ATM control block diagram in the first embodiment The perspective view which shows the external appearance of ATM in a 1st Example Explanatory drawing which shows the transaction selection screen of ATM in 1st Example The conceptual diagram which shows the connection form of ATM in a 1st Example Explanatory drawing which shows the transaction selection screen of ATM in 2nd Example Explanatory drawing which shows the transaction selection screen of ATM in 2nd Example Flowchart in the second embodiment Explanatory drawing which shows the transaction selection screen of ATM in 3rd Example Explanatory drawing which shows the PIN code input screen of ATM in the 3rd example Flow chart in the third embodiment A perspective view showing a conventional automatic transaction apparatus Explanatory drawing showing a conventional password input screen

Explanation of symbols

11 Information terminal 12 Display with touch panel 13 Card reading / writing unit 14 Receipt print output unit 31 Automatic deposit / withdrawal transaction device 32 Card processing unit 36 Passbook processing unit 40 Banknote deposit / withdrawal unit 41 Coin deposit / withdrawal unit 43 Display input unit 45 Memory unit 46 Interface 48 Main control unit 50 Host computer

Claims (8)

In an automatic transaction apparatus having a display unit for displaying a transaction guidance screen,
The display unit displays an image that can be viewed from a first viewing angle direction and an image that can be viewed from a second viewing angle direction that is different from the first viewing angle direction. An automatic transaction apparatus characterized in that a transaction is induced by switching an image and an image in the second viewing angle direction. In the automatic transaction apparatus of Claim 1,
An input means is arranged on the display unit, and the screen for guiding the input of a password is to switch the image in the first viewing angle direction and the image in the second viewing angle direction for every digit or every plurality of digits. An automatic transaction device characterized. In the automatic transaction apparatus of Claim 2,
An automatic transaction apparatus, wherein an input key in an image in the first viewing angle direction and an input key in an image in the second viewing angle direction are arranged differently. In the automatic transaction apparatus of Claim 1,
A switching input means for switching between the image in the first viewing angle direction and the image in the second viewing angle direction is provided, and based on the input result of the switching input means, the image in the first viewing angle direction and the second viewing angle direction An automatic transaction apparatus characterized by switching images. In the automatic transaction apparatus of Claim 1,
An input means is arranged on the display unit, and on the screen for guiding the input of a password, the numeric keypad in the first viewing angle direction image and the numeric keypad in the second viewing angle direction image are arranged at the same position. The automatic transaction apparatus is characterized in that only the arrangement of numbers shown in FIG. In the automatic transaction apparatus of Claim 1,
When conducting the transaction guidance with the image in the first viewing angle direction, the image in the second viewing angle direction indicates that guidance is provided on the screen in the first viewing angle direction, and the transaction guidance is performed An automatic transaction apparatus, characterized in that, when performing an image in the second viewing angle direction, the image in the first viewing angle direction displays that the guidance is provided on the screen in the second viewing angle direction. In an automatic transaction apparatus having a display unit for displaying a transaction guidance screen,
The display unit simultaneously displays an image that can be viewed from a first viewing angle direction and an image that can be viewed from a second viewing angle direction that is different from the first viewing angle direction, and displays a transaction guidance screen. An automatic transaction apparatus, which is divided into two screens: an image in a first viewing angle direction and an image in the second viewing angle direction. The automatic transaction apparatus according to claim 7,
An automatic transaction apparatus characterized in that a transaction instructing screen for designating a transfer destination is derived by dividing at least a transfer destination financial institution name and a transfer destination account number into two screens.

Images