JP2008052485A - Automatic transaction apparatus - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To improve customer's convenience by storing only transfer destination information in which an account of a transfer destination exists in an IC chip of an IC card or a magnetic stripe of a transfer card. <P>SOLUTION: A transfer destination information confirmation means of a control part 16 in an automatic transaction apparatus 1 inquires of a counting system host computer 2 whether an account specified by the transfer destination information read from a transfer card or an IC card exists or not, and when the existence of the transfer destination account can be confirmed, a card reader/writer part 12 records the transfer destination information read from the transfer card in the IC card or records the transfer destination information read from the IC card in the transfer card. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention is an automatic transaction apparatus that is installed in a financial institution such as a bank and accepts a customer's operation to perform transactions such as cash deposits, withdrawals, and transfers. The present invention relates to an automatic transaction apparatus that performs transactions to be stored.

  The conventional automatic transaction device accepts the input of bank information, bank name, branch name, subject, account number, name, phone number, etc., by the customer's operation at the operation unit. In order to simplify the input operation, the transfer information is recorded on the magnetic stripe of the card called the transfer card in the card reader / writer, The transfer transaction is performed based on the transfer destination information read from the transfer card.

Even if the transfer destination information requiring complicated input operations is stored in the magnetic stripe of the transfer card, the storage information of the transfer stripe information is stored only one or several cases because the storage capacity of the magnetic stripe is small. In view of the problem of having multiple transfer cards when a customer makes a transfer to a large number of transfer destinations, the storage capacity of the transfer destination information stored on the multiple transfer cards is Some are stored in an IC chip of one large IC card (for example, see Patent Document 1).
JP-A-6-103440 (paragraphs “0018” to “0019”, FIG. 4)

  However, the transfer destination information read from the transfer card by the card reader / writer unit of the automatic transaction apparatus is stored in the IC chip of the IC card, and the transfer is made to the account specified by the transfer destination information read from the IC chip. However, there are cases where the account number of the bank account has been changed due to a merger of financial institutions or branch integration, etc. There is a problem that it is necessary to know that it has been changed, and to investigate the account number and the like of the transfer destination after the change and conduct the transfer transaction again.

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

  Therefore, the present invention provides a reading mechanism for reading information recorded on a transfer card having a magnetic stripe and an IC card having an IC chip in an automatic transaction apparatus that accepts a customer's operation and receives a permission from a host device to perform a transaction. And a card reader / writer unit with a writing mechanism for recording information on the transfer card and IC card, and a message requesting confirmation of the existence of the account specified by the transfer destination information such as the transfer destination financial institution, branch, account number, etc. A transfer destination information confirmation means for transmitting to the host device, receiving the result of the confirmation and confirming that the transfer destination information is valid, and the transfer destination information confirmation means is transferred by the card reader / writer unit. When it is confirmed that the transfer destination information read from the card or IC card is valid, the card reader / writer unit The recipient information read from the record to the IC card, or characterized in that the transfer destination information read from the IC card so as to record the transfer card.

  According to the present invention as described above, it is possible to store only the transfer destination information in which the account of the transfer destination exists in the IC chip of the IC card or the magnetic stripe of the transfer card, thereby improving the convenience of the customer. Is 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 showing a configuration of an automatic transaction apparatus according to an embodiment.
In FIG. 1, 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. The automatic transaction apparatus 1 is communicably connected to a communication line 3 and has a magnetic stripe or a cash card with an IC chip (hereinafter referred to as an IC chip) in which account information such as a customer account number is recorded (stored) by a customer operation. Cash cards with chips are called “IC cash cards” or “IC cards”), and cash withdrawals and deposit transactions, as well as bank information such as financial institutions, branch offices, account numbers, etc. are recorded (stored) Transactions such as IC card transactions that accept the insertion of transfer cards with magnetic stripes and IC cash cards, etc., and also issue IC cards that receive the insertion of IC cash cards and record transfer destination information Is to do.

  An account host computer 2 is a host device of the automatic transaction apparatus 1 installed in an office center of a financial institution such as a bank. The accounting host computer 2 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 that is a communication unit. Are connected to the automatic transaction apparatus 1 and the like via the communication line 3 so that they can communicate with each other.

In addition, the account host computer 2 sends and receives transaction messages such as cash withdrawals, cash deposits, and transfers to and from the automatic transaction apparatus 1 to determine whether or not to establish a customer transaction and to process the transaction. Do.
Further, the account host computer 2 includes a customer database (not shown) that stores information related to an account such as a password and an account balance in association with account information such as a customer account number. The account information stored in the customer database is the same as the account information recorded on the cash card possessed by the customer, and the account host computer 2 that has received the account information read from the cash card from the automatic transaction apparatus 1. Can search the customer database based on the account information and extract the code number, account balance, and the like.

The automatic transaction apparatus 1 transmits the account information of the customer read from the inserted cash card and the password entered by the operation of the customer to the account host computer 2, and the account host computer 2 receives the received password and the received password. The personal authentication is performed by comparing the personal identification number extracted from the customer database based on the account information.
In the present embodiment, the personal authentication using the personal identification number will be described. However, biological information such as a palm pattern, a fingertip vein pattern, a fingerprint, and an iris may be used instead of the personal identification number.

  Reference numeral 11 denotes a customer operation display unit, which includes an operation unit such as a touch panel and a display unit such as a liquid crystal display. The customer operation display unit 11 has a touch panel arranged on a display unit such as a CRT display or a liquid crystal display, and the customer performs an input operation, etc. Also, the customer input for the transaction selection screen and the transaction selected by the customer A screen for guiding operations and the like, input information, and the like are displayed.

  A card reader / writer 12 includes a card reading / writing mechanism and a transfer card issuing mechanism. The card reader / writer unit 12 can read the information recorded on the magnetic stripe of the cash card or the transfer card inserted from the card insertion slot by the operation of the customer by the card reading / writing mechanism or the IC chip of the IC cash card, In addition, information can be written, and the information is written to the magnetic stripe of the new transfer card stored in the card stacker by the transfer card issuing mechanism, and the transfer card is discharged from the card outlet and issued to the customer. Is something that can be done.

Furthermore, after accepting the insertion of the first card, the card reader / writer unit 12 can accept the insertion of the second card before returning the first card to the customer. Information read from the second card can be written to the second card, and information read from the second card can be written to the first card.
The inserted card can be discharged from the card outlet and returned to the customer.

In this embodiment, the IC cash card is described as a contact IC card, but it may be a non-contact IC card.
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 the banknotes entered by the customer in the banknote deposit / withdrawal slot are counted in the banknote deposit / withdrawal machine and stored in the safe, and the coins entered in the coin deposit / withdrawal slot are counted by the coin deposit / withdrawal machine and stored in the safe It is to store. Withdrawal processing, banknotes and coins corresponding to the amount specified by the customer's operation are fed out from the banknote depositing and dispensing machine and coin depositing and dispensing machine safes, respectively, and transported to the banknote depositing and dispensing slot and coin depositing and dispensing slot. To pay to customers.

Reference numeral 14 denotes a statement slip section, which includes a statement slip printing mechanism, a statement slip conveyance mechanism, and the like, and issues a statement slip on which transaction details are printed to a customer.
Reference numeral 15 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 15 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 16 denotes a control unit, which is composed of arithmetic and control means such as a CPU. This control unit 16 includes a transfer destination information confirmation means, and the card reader / writer unit 12 reads the transfer destination information recorded on the transfer card or the IC cash card, and requests confirmation of the existence of the account specified by the transfer destination information. A message to be transmitted is transmitted to the accounting host computer 2 (high-level device), and the confirmation result is received from the accounting system host computer 2 (high-level device) to confirm that the transfer destination information is valid.

In addition, the control unit 16 stores the operation of the entire automatic transaction apparatus 1 including the customer operation display unit 11, the card reader unit 12, the deposit / withdrawal unit 13, the statement slip unit 14, the storage unit 15, and the communication unit (not shown). Control based on a control program (software) stored in the.
The communication unit is means for controlling communication with the accounting host computer 2 and the like connected via the communication line 3, and can transmit and receive arbitrary information.

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. 2 is a flowchart showing the transfer card and IC card issuing process in the embodiment, which will be described in accordance with steps represented by S in the figure.

  S1: When the automatic transaction apparatus 1 detects the approach of a customer by a proximity sensor (not shown), the customer operation display unit 11 displays a transaction selection screen for selecting a transaction such as withdrawal or deposit of cash or IC card transaction according to an instruction from the control unit 16 To do. As shown in Fig. 3, this transaction selection screen displays the words "Please come and press the desired transaction", and "Drawer", "Balance inquiry", "Passbook entry", "Deposit", "Periodic" It consists of transaction selection buttons such as “funded transaction”, “transfer”, “IC card transaction”, and “transfer”.

S2: It is assumed that the customer presses an “IC card transaction” transaction selection button indicating that an IC card transaction is selected, and the customer operation display unit 11 receives the operation.
S3: Upon receiving an operation for selecting an IC card transaction, the customer operation display unit 11 displays an IC cash card insertion guidance screen for guiding the insertion of the IC cash card according to an instruction from the control unit 16. As shown in FIG. 4, the IC cash card insertion guidance screen is composed of words such as “Please insert an IC cash card”.

The customer inserts the IC cash card into the card insertion slot according to the IC cash card insertion guidance screen. Upon receiving the insertion of the IC cash card, the card reader / writer unit 12 reads account information from the IC chip of the IC cash card in accordance with an instruction from the control unit 16. The control unit 16 stores the read account information in the storage unit 15.
Here, it is assumed that the customer's account information and the registered transfer information are recorded in advance on the IC chip of the IC cash card.

S4: Next, in response to an instruction from the control unit 16, the customer operation display unit 11 displays a password input screen. As shown in FIG. 5, the password input screen is composed of words such as “Please enter the password” and numeric keys “1” to “9” and “0”.
In response to an instruction from the control unit 16, the customer operation display unit 11 accepts an input of a personal identification number by a customer operation.

When the input of the personal identification number is accepted, the communication unit transmits an electronic message requesting the personal authentication including the account information read from the IC cash card and the inputted personal identification number to the accounting host computer 2 according to the instruction of the control unit 16.
The account host computer 2 searches the customer database based on the received account information, extracts the password stored in the customer database, compares the password with the received password, and determines whether or not they match. Authenticate the person to determine In the present embodiment, it is assumed that the passwords match and the personal authentication ends normally.

  When the personal authentication is completed, the customer operation display unit 11 displays a transaction selection screen according to an instruction from the control unit 16. As shown in Fig. 6, this transaction selection screen displays "transaction history display" that displays a statement such as "Please press the desired transaction" and the history of the transfer transaction, and the transfer destination information registered in the IC cash card. “Registration information inquiry” to be displayed, “Transfer card creation” to create a transfer card in which the transfer destination information registered in the IC cash card is recorded on the magnetic stripe, and read the transfer destination information recorded on the magnetic stripe of the transfer card And a transaction selection button such as “read transfer card” recorded in the IC cash card.

S5: In response to an instruction from the control unit 16, the customer operation display unit 11 receives a press of a transaction selection button by a customer's operation, and when detecting that the transaction selection button of “Create transfer card” has been pressed, the process proceeds to S6. When it is detected that other transaction selection buttons have been pressed, the process proceeds to S11.
S6: When it is detected that the transaction selection button “Create transfer card” is pressed, the card reader / writer unit 12 reads the transfer destination information from the IC chip of the IC cash card according to the instruction of the control unit 16, and the customer operation display unit 11 A transfer destination selection screen configured with the transfer destination information is displayed.

  As shown in FIG. 7, this transfer destination selection screen has a phrase such as “Please select the transfer destination for which you want to create a transfer card” and “Bank A head office normal 1234567”, “B bank head office normal 2222222”, “C bank head office This is composed of a transfer destination selection button that indicates transfer destination information such as “ordinary 9999999” and receives an operation for selecting the transfer destination.

In this embodiment, the transfer destination information read from the IC chip of the IC cash card is displayed. However, the history information of the transfer transaction is recorded on the IC chip of the IC cash card, and the history information is displayed in the history information. A recorded transfer destination selection button may be displayed.
One of the bank transfer destination selection buttons is pressed by the customer's operation, and the customer operation display unit 11 detects the pressing.

  S7: Upon detecting that the transfer destination selection button is pressed, the communication unit instructs the transfer destination information associated with the pressed transfer destination selection button according to the instruction of the transfer destination information confirmation unit of the control unit 16, for example, “A bank head office normal 1234567”. When the transfer destination selection button is pressed, the transfer destination information is valid together with the transfer destination information such as financial institution: bank A, branch: head office, account number: normal 1234567, etc., that is, whether the transfer destination account exists or not. A transfer destination inquiry message to be inquired is transmitted to the accounting host computer 2.

When the transfer address inquiry message is transmitted, the customer operation display unit 11 displays a communication screen composed of words such as “Please wait for a while” as shown in FIG.
On the other hand, the account host computer 2 that has received the transfer destination inquiry message searches the customer database and confirms whether the account indicated by the received transfer destination information exists.

  Here, the account host computer 2 determines whether the account indicated by the received transfer destination information is its own financial institution or another financial institution. If it is determined that it is the own financial institution, the account host computer 2 searches the customer database, confirms the existence of the account indicated by the received transfer destination information, and if it is determined that it is another financial institution, the account host. Assume that the computer 2 sends a transfer destination inquiry message including the transfer destination information to the account host computer of another financial institution to inquire whether the transfer destination information is valid. Note that the account host computer of another financial institution also searches the customer database and confirms the existence of the account indicated by the received transfer destination information.

  Further, the transfer destination information included in the transfer destination inquiry message transmitted from the automatic transaction apparatus 1 to the account host computer 2 may be one or plural. When the transfer destination inquiry message includes the transfer destination information of the own financial institution and the other financial institution, the transfer destination information of the own financial institution is the account host computer 2 of the own financial institution and the transfer destination information of the other financial institution is the other financial It is assumed that the account host computer of the institution confirms the existence of the account indicated by the received transfer destination information, and collectively transmits the result to the automatic transaction apparatus 1.

The account host computer 2 transmits a message to the automatic transaction apparatus 1 indicating that the transfer destination information is valid when it is confirmed that the account exists, and that the transfer destination information is invalid when it is confirmed that the account does not exist.
S8: The control unit 16 of the automatic transaction apparatus 1 shifts the process to S10 without issuing a transfer card when receiving a message that the transfer destination information is invalid, and performs the process when receiving a message that it is valid. Issue a transfer card.

S9: Upon receipt of a message indicating that the payee information is valid, the card reader / writer unit 12 issues a transfer card recording the payee information to the customer in accordance with an instruction from the control unit 16. At this time, in response to an instruction from the control unit 16, the customer operation display unit 11 displays a transfer card receipt guidance screen composed of words such as “Please create a transfer card”.
According to the guidance, the customer receives the transfer card in which the transfer destination information selected in S6 is recorded.

  S10: Next, the card reader / writer unit 12 returns the IC cash card to the customer in accordance with an instruction from the control unit 16. At this time, in response to an instruction from the control unit 16, the customer operation display unit 11 displays an IC cash card receipt guidance screen composed of words such as “Please receive the IC cash card” shown in FIG. The customer receives the IC cash card according to the guidance and ends the transaction for making the transfer card.

S11: On the other hand, if it is detected in S5 that the transaction selection button of “read transfer card” is pressed, the process proceeds to S12, and if it is detected that other transaction selection buttons are pressed, the pressed transaction is processed. Move to the step to do.
S12: When it is detected that the transaction selection button of “Read transfer card” is pressed, the customer operation display unit 11 is configured with a word such as “Please insert a transfer card” as shown in FIG. The transferred transfer card insertion guidance screen is displayed.

The customer inserts the transfer card in which the transfer destination information is recorded into the card insertion slot according to the guidance. In response to an instruction from the control unit 16, the card reader / writer unit 12 reads the transfer destination information recorded on the inserted transfer card.
S13: When the transfer destination information is read from the transfer card, the communication unit, in response to an instruction from the transfer destination information confirmation means of the control unit 16, transfers the transfer destination information, for example, financial institution: bank A, branch: head office, account number: normal 1234567, etc. A transfer destination inquiry message for inquiring whether the transfer destination information is valid together with the destination information, that is, whether or not the transfer destination account exists is transmitted to the account host computer 2.

When the transfer address inquiry message is transmitted, the customer operation display unit 11 displays a communication screen composed of words such as “Please wait for a while” as shown in FIG.
On the other hand, the account host computer 2 that has received the transfer destination inquiry message searches the customer database and confirms whether the account indicated by the received transfer destination information exists.

  Here, the account host computer 2 determines whether the account indicated by the received transfer destination information is its own financial institution or another financial institution. If it is determined that it is the own financial institution, the account host computer 2 searches the customer database, confirms the existence of the account indicated by the received transfer destination information, and if it is determined that it is another financial institution, the account host. Assume that the computer 2 sends a transfer destination inquiry message including the transfer destination information to the account host computer of another financial institution to inquire whether the transfer destination information is valid. Note that the account host computer of another financial institution also searches the customer database and confirms the existence of the account indicated by the received transfer destination information.

  Further, the transfer destination information included in the transfer destination inquiry message transmitted from the automatic transaction apparatus 1 to the account host computer 2 may be one or plural. When the transfer destination inquiry message includes the transfer destination information of the own financial institution and the other financial institution, the transfer destination information of the own financial institution is the account host computer 2 of the own financial institution and the transfer destination information of the other financial institution is the other financial It is assumed that the account host computer of the institution confirms the existence of the account indicated by the received transfer destination information, and collectively transmits the result to the automatic transaction apparatus 1.

The account host computer 2 transmits a message to the automatic transaction apparatus 1 indicating that the transfer destination information is valid when it is confirmed that the account exists, and that the transfer destination information is invalid when it is confirmed that the account does not exist.
S14: When the control unit 16 of the automatic transaction apparatus 1 receives a message indicating that the transfer destination information is invalid, the control unit 16 proceeds to S16 without recording the transfer destination information on the IC cash card, and receives a message indicating that the transfer destination information is valid. When received, the process proceeds to S15, and the transfer destination information is recorded in the IC cash card.

  S15: Upon receipt of a message indicating that the transfer destination information is valid, the card reader / writer unit 12 records the transfer destination information on the IC chip of the IC cash card according to an instruction from the control unit 16. At this time, in response to an instruction from the control unit 16, the customer operation display unit 11 displays a transfer card receipt guidance screen composed of words such as “Receive the transfer card information on the IC cash card and receive the transfer card” as shown in FIG. To do.

The customer receives the inserted transfer card according to the guidance.
S16: Next, according to an instruction from the control unit 16, the card reader / writer unit 12 returns the IC cash card to the customer. At this time, in response to an instruction from the control unit 16, the customer operation display unit 11 displays an IC cash card receipt guidance screen composed of words such as “Please receive the IC cash card” shown in FIG. The customer receives the IC cash card according to the guidance and ends the transaction of reading the transfer card.

In addition, when receiving a message indicating that the payee information is invalid from the accounting host computer 2, the card reader / writer unit 12 does not record the payee information on the IC cash card in accordance with an instruction from the control unit 16 of the automatic transaction apparatus 1. The transfer card and IC cash card are returned to the customer, and the transfer card reading transaction is terminated.
As described above, in this embodiment, the transfer destination information recorded on the magnetic stripe of the transfer card is read and recorded on the IC chip of the IC card, or the transfer destination information recorded on the IC chip of the IC card is read. When recording on the magnetic stripe of the transfer card, since the existence of the account specified by the transfer destination information was confirmed, only the transfer destination information where the account exists can be recorded on the IC card or transfer card, The effect that the convenience of the customer can be improved is obtained.

In the above embodiment, if the transfer destination information is invalid, the customer can know the transfer destination that was not recorded by displaying the invalid transfer destination in a list or printing it on the statement slip. It is possible to improve convenience.
In addition, by making it possible to copy the transfer destination information between the magnetic stripe of the transfer card and the IC chip of the IC card, the transfer card and the IC card can be used together, and the customer handles the IC card. In an automatic transaction apparatus that cannot be used, a transfer card is used, and in an automatic transaction apparatus that can handle an IC card, it is possible to perform an easy transfer transaction using one IC card.

The block diagram which shows the structure of the automatic transaction apparatus in an Example. The flowchart which shows the transfer card and IC card issue process in an Example Illustration of transaction selection screen in the example Explanatory drawing of the IC cash card insertion guidance screen in the embodiment Explanatory drawing of the password input screen in the embodiment Illustration of transaction selection screen in the example Explanatory drawing of the transfer destination selection screen in the embodiment Explanatory drawing of the screen during communication in the embodiment Explanatory drawing of transfer card receipt guidance screen in the embodiment Explanatory drawing of the IC cash card receipt guidance screen in the embodiment Explanatory drawing of the transfer card insertion guidance screen in the embodiment Explanatory drawing of transfer card receipt guidance screen in the embodiment

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Automatic transaction apparatus 2 Account host computer 3 Communication line 11 Customer operation display part 12 Card reader / writer part 13 Deposit / withdrawal part 14 Details slip part 15 Memory | storage part 16 Control part

Claims (3)

In an automatic transaction device that accepts customer operations and receives transactions from the host device to perform transactions,
A card reader / writer unit comprising a transfer card having a magnetic stripe, a reading mechanism for reading information recorded on an IC card having an IC chip, a transfer card, and a writing mechanism for recording information on the IC card;
A message requesting confirmation of the existence of the account specified by the transfer destination information such as the transfer destination financial institution, branch, account number, etc. is sent to the host device, the result of the check is received, and the transfer destination information is valid And a transfer destination information confirmation means to confirm that,
When the transfer destination information confirmation means confirms that the transfer destination information read from the transfer card or IC card in the card reader / writer is valid, the transfer destination read from the transfer card by the card reader / writer An automatic transaction apparatus characterized in that information is recorded on an IC card or the transfer destination information read from the IC card is recorded on the transfer card. In the automatic transaction apparatus of Claim 1,
A transfer card issuing mechanism for issuing a new transfer card is provided in the card reader / writer unit,
When the transfer destination information confirmation unit confirms that the transfer destination information read from the IC card by the card reader / writer unit is valid, the card reader / writer unit newly updates the transfer destination information read from the IC card. An automatic transaction apparatus characterized in that it is recorded on a simple transfer card and issued to a customer. In the automatic transaction apparatus according to claim 1 or claim 2,
An automatic transaction apparatus characterized in that the transfer destination information read from the IC card by the card reader / writer unit is the transfer destination information included in the history information of the transfer transaction recorded on the IC card.