JP2008152723A - Automatic transaction system and automatic transaction apparatus - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To improve customer's convenience by allowing a customer with high credit rating to perform a transfer transaction of a required amount at a time. <P>SOLUTION: When a customer intends to perform a transfer transaction in an automatic transaction apparatus 1 by using an account through a card, the customer is allowed to input a transfer amount before inputting account information of a receiver who is a transfer destination at least, and when the transfer amount exceeds a transaction limit amount in the automatic transaction apparatus 1, the account information of a transfer requester read from the card is transmitted from the automatic transaction apparatus 1 to a host computer 10 in its own bank to request the confirmation of identified/unidentified information of the transfer requester, and when the identified/unidentified information is confirmed as an identified person by the host computer 10 or a host computer of another bank, a transaction of a transfer amount exceeding the transaction limit amount is executed. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention relates to an automatic transaction system and an automatic transaction apparatus including a customer operation type automatic transaction apparatus and a host computer, and more particularly to a processing technique in the case of performing a transfer transaction.

In a conventional customer-operated automatic transaction apparatus installed at a financial institution's store, when performing a transfer transaction, after the customer selects `` transfer transaction '' on the transaction selection screen displayed on the display unit, When a passbook is inserted, the recorded contents such as the card and the magnetic stripe of the passbook are checked. After that, when the customer inputs the payee information (recipient information) and the transfer amount, the transfer is made to the host computer. A transaction message is transmitted and transaction processing is executed by a host computer (see, for example, Patent Document 1).
JP-A-8-147394 (paragraphs “0017” to “0020”, FIGS. 3 and 4)

However, the conventional techniques described above have the following problems.
In other words, in recent years, financial institutions have set transaction limits that limit the transaction amount per transaction with automatic transaction equipment as a countermeasure against money laundering or wire fraud by criminals. If the desired transaction amount exceeds the transaction limit even if the transfer requester or recipient is a customer with high credit quality, the transaction is repeated multiple times until the desired amount is reached. For this reason, the convenience of the customer is greatly reduced particularly in a transfer transaction with a large number of operations.

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

  Therefore, the present invention is an automatic transaction system comprising a customer-operated automatic transaction apparatus and a host computer of each financial institution, and whether the financial institution has confirmed whether or not the account holder is the principal. When the host computer holds the confirmed / unconfirmed information indicating the identity of the customer as part of the customer's account information and performs the transfer transaction with the automatic transaction apparatus, the transfer requester's account or the payee's account as the transfer destination In order to confirm, the account information of at least one of the transfer requester and the payee is transmitted from the automatic transaction apparatus to the host computer, and the host computer stores the verified / unconfirmed information of at least one of the transfer requester and the payee. If confirmed and confirmed, the transaction is executed with the transfer amount exceeding the transaction limit amount in the automatic transaction apparatus. That.

  The present invention as described above makes it possible for a customer with high creditworthiness to perform a transfer transaction of a desired amount at a time without repeating a transfer transaction with a large number of operations a plurality of times, and can improve convenience for the customer. The effect is obtained.

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

FIG. 1 is a block diagram showing a first embodiment.
In the figure, reference numeral 1 denotes a customer-operated automatic transaction apparatus (ATM) installed at a branch office or a convenience store of a financial institution such as a bank. The automatic transaction apparatus 1 includes a customer operation section 2, a banknote processing section 3, and a coin processing. Unit 4, card processing unit 5, statement slip processing unit 6, communication unit 7, storage unit 8, and control unit 9 connected to these units.

  The customer operation unit 2 includes a display unit 2a using a liquid crystal display or the like, and an input unit 2b using a touch panel arranged on the display unit 2a, and a screen on which a message for guiding a customer's operation is arranged on the display unit 2a and various inputs. By displaying the key and pressing the input key with the finger through the input unit 2b, the information defined in the input key can be input, and the input information is displayed. ing.

The banknote processing part 3 and the coin processing part 4 perform the deposit / withdrawal process accompanying a transaction.
The card processing unit 5 is used as a medium processing unit having a function of reading and writing account information with respect to a magnetic stripe provided on a customer's card. When acquiring account information from a customer's mobile phone, A medium processing unit corresponding to the acquisition form is used.
The statement slip processing unit 6 has a function of printing transaction contents on a statement slip (receipt) at the end of the transaction.

The storage unit 8 stores information and the like input at the time of the transaction, and also stores a control program for controlling the operation of the apparatus, and also includes a transaction selection screen, a guidance screen for each processing step in each transaction, and an input Screen data such as a screen is also stored in the storage unit 8.
Based on the control program stored in the storage unit 8, the control unit 9 includes the customer operation unit 2, the bill processing unit 3, the coin processing unit 4, the card processing unit 5, the statement slip processing unit 6, and the communication unit 7. It has a function to control and execute various transactions, and in performing the transaction, it communicates with its own host computer (higher level device) 10 via the communication unit 7 to exchange necessary information. It has become.

The host computer 10 is installed in a financial institution center or the like, and manages a storage unit (database) 11 that stores customer account information and the like.
FIG. 2 is a diagram showing the contents of the storage unit 11 managed by the host computer 10. As shown in this figure, the storage unit associates financial institution codes (bank codes) of all financial institutions with their communication destinations. A bank code table is stored for each customer account of the bank, branch code, account subject, nominee name, nominee telephone number, nominee address, verified / unidentified information, and a PIN (not shown), Account balance and the like are stored as customer account information.

The identity verified / unconfirmed information here means that the financial institution refrains from the image or number of identification card such as health insurance card, driver's license, passport, etc. brought by the customer when opening the account. This is information indicating whether the financial institution has been confirmed or not confirmed that the holder is the principal.
In other words, in the case of an old account, even if the financial institution verifies the customer's ID at the time of opening the account, the image or number of the ID may not be recorded. Stores the information that the identity has been confirmed / unconfirmed as “unconfirmed” as the person who has not been confirmed to be the principal, and the image or number of the customer's ID at the time of opening or after opening the account If the account holder is refrained, information indicating that the identity confirmed / unconfirmed information is “confirmed” is stored as a highly reliable customer who has confirmed that the account holder is the principal.

  FIG. 3 is a diagram showing a processing procedure at the time of confirming the client's identity confirmed / unconfirmed information in the first embodiment. The automatic transaction apparatus 1 is connected to the host computer 10 of the bank, and this host computer 10 is integrated ATM. It is connected to a host computer 13 of another financial institution (other bank) via a communication network 12 such as a network. Similarly to the storage unit 11, the host computer 13 stores the financial institution code table and customer account information of each customer who owns the host computer 13. Of course, the customer account information has been verified. / Unconfirmed information is included.

Although only one host computer 13 of another financial institution is illustrated, there are actually a plurality of host computers 13.
In this configuration, when the bank card is used in the automatic transaction apparatus 1 as shown in FIG.
(1) Card information (client account information) read from the magnetic stripe of the card is sent to the host computer 10.
(2) The host computer 10 determines from the financial institution code included in the card information whether it is a customer of the bank or a customer of another bank, and in the case of a customer of the bank, customer account information having an account number that matches the account number of the card information Is stored in the storage unit 11, and it is confirmed whether the verified / unconfirmed information of the searched customer account information is “confirmed” or “unconfirmed”.
(3) The host computer 10 transmits the confirmation result to the automatic transaction apparatus 1.

In addition, as shown in FIG. 5B, when a card of another bank is used in the automatic transaction apparatus 1 and a transfer transaction is selected,
(1) Card information (customer (client) account information) read from the magnetic stripe of the card is sent to the host computer 10.
(2) The host computer 10 determines whether it is the customer of the bank or the customer of the other bank from the financial institution code included in the card information, and in the case of the customer of the other bank, the host of the other bank is determined by the financial institution code table of the storage unit 11. The card information is transmitted to the computer 13 to request confirmation of the identity confirmed / unconfirmed information.
(3) The host computer 13 searches the storage unit 14 for customer account information having an account number that matches the account number of the card information, and whether the identity confirmed / unconfirmed information of the retrieved customer account information is “confirmed”. Check if it is “unconfirmed”.
(4) The host computer 13 notifies the confirmation result to the host computer 10.
(5) The host computer 10 transmits the confirmation result received from the host computer 13 to the automatic transaction apparatus 1.

Details of the transfer transaction will be described below as an operation of the first embodiment.
4 and 5 are flowcharts showing the operation of the first embodiment. Note that the operation of the automatic transaction apparatus 1 described below is performed by the control unit 9 based on a program (software) stored in the storage unit 8. The screen data and the like displayed on the display unit 2a of the customer operation unit 2 are assumed to be controlled, and the description thereof is omitted because the control unit 9 sequentially reads from the storage unit 8.

First, the control unit 9 causes the customer operation unit 2 to display a transaction selection screen (S1).
When the customer comes to the store and sees the transaction selection screen displayed on the display unit 2a of the customer operation unit 2 and selects a transaction by the input unit 2b, the control unit 9 determines whether the selected transaction is a transfer transaction (S2). ).
When a transaction other than the transfer transaction is selected, the process is executed based on the program of the selected transaction.

When the customer selects a transfer transaction, the control unit 9 displays on the display unit 2a a screen for selecting whether the transfer is by cash or from an account (S3), and cash is selected (designated). ) Is determined (S4).
If cash is selected, the process proceeds to S18. However, if an account is selected, the control unit 9 causes the display unit 2a to display a screen prompting the insertion of a cash card, and the customer inserts a cash card into the card insertion / discharge port 2 accordingly. When inserted (S5), the cash card is taken into the card processing unit 5, and the card information (transfer client account information) is read from the magnetic stripe or IC provided on the card. Subsequently, the control unit 9 displays a screen for inputting a personal identification number on the display unit 2a. When the customer inputs the personal identification number using the input unit 2b according to this screen, the control unit 9 then displays a screen for inputting a transfer amount. When the customer inputs the transfer amount by the input unit 2b according to this screen (S6), the control unit 9 determines whether or not the input transfer amount exceeds the transaction limit amount (S7).

When the transaction limit is exceeded, the control unit 9 transmits a confirmation request for the identity confirmed / unconfirmed information to the host computer 10 through the communication unit 7 together with the card information (S8).
The host computer 10 determines whether it is the bank or the other bank from the financial institution code of the received card information, and in the case of the bank, stores the customer account information corresponding to the account number of the card information as described in FIG. Search from part 11. Then, the personally confirmed / unconfirmed information of the customer account information is confirmed, and the confirmation result is transmitted to the automatic transaction apparatus 1.

When the financial institution code of the received card information is another bank, the host computer 10 refers to the financial institution code table of the storage unit 11 as described in FIG. Is identified, and the card information is transmitted to the host computer 13 of the identified financial institution to request confirmation of the identity confirmed / unconfirmed information.
Thereby, the host computer 13 searches the storage unit 11 for customer account information corresponding to the account number of the card information. Then, the personally confirmed / unconfirmed information of the customer account information is confirmed, and the confirmation result is transmitted by the host computer 10, and the host computer 10 further transmits the received confirmation result to the automatic transaction apparatus 1.

  When the control unit 9 of the automatic transaction apparatus 1 receives the confirmation result of the identity confirmation / unconfirmed information from the host computer 10, it determines whether the confirmation result is “confirmed” or “unconfirmed” (S9). If the transfer amount exceeds the transaction limit, change the transfer amount to the transaction limit or less to continue the transaction or cancel the transaction and either continue or cancel the transaction A transaction continuation inquiry screen with a button for selecting is displayed on the display unit 2a (S10).

The customer sees this transaction continuation inquiry screen and presses the “transaction stop” or “transaction continuation” button by the input unit 2b.
The control unit 9 determines whether the transaction is to be continued or canceled by the pressed button (S11). If the transaction is canceled, the control unit 9 displays a screen on the display unit 2a with a message prompting receipt of the card, and the card processing unit The card is discharged from 5 (S12), and the transaction is stopped.

If it is determined in S11 that the transaction is to be continued, the process returns to S6 to re-input the transfer amount, and the processes in S7 and subsequent steps are repeated.
On the other hand, when the control unit 9 determines in S9 that the confirmation result of the person confirmed / unconfirmed information is “confirmed”, the control unit 9 displays an input screen for inputting the bank account information (recipient account information) on the display unit 2a. In accordance with this input screen, the customer sequentially inputs the transfer destination financial institution code, branch name, account item, account number, and recipient name through the input unit 2b (S13). However, if there is a transfer card, the card can be inserted into the card processing unit 5 and automatically input.

When the input of the transfer account information is completed, the control unit 9 communicates a transfer inquiry to the host computer 10 through the communication unit 7 (S14).
In this case, the communication is transmitted from the communication unit 7 to the host computer 10 together with the transfer inquiry request from the control unit 9 together with the card information, the password, the transfer amount, and the transfer destination account information.
The host computer 10 searches the storage unit 11 for customer account information corresponding to the account number of the received card information. Then, the personal identification number of the customer account information is compared with the received personal identification number to confirm the identity, and it is determined whether the account balance of the customer account information is equal to or greater than the received transfer amount.

  If the PIN does not match, or if the account balance is less than the transfer amount, information to that effect is sent to the automatic transaction device to re-enter the PIN or correct the transfer amount, but the PINs match, If the account balance is greater than or equal to the transfer amount, it is determined whether it is the bank or the other bank based on the financial institution code of the transfer destination account information. In the case of the own bank, the storage unit 11 is searched to check the transfer destination account. If it exists, a notification that the transaction is possible is transmitted to the automatic transaction apparatus 1.

Further, when the account of the transfer destination is another bank, the host computer 10 refers to the financial institution code table of the storage unit 11 to identify the financial institution corresponding to the financial institution code of the transfer destination account information, and the identified financial institution When the transfer destination account information is transmitted to the host computer 13 and the confirmation of the account is requested, and the existence of the account is confirmed, a notification that the transaction is possible is transmitted to the automatic transaction apparatus 1.
When the transfer inquiry is made in this way and the control unit 9 of the automatic transaction apparatus 1 receives a notification from the host computer 10 that the transaction is possible, a confirmation screen for confirming the transfer destination information and the transfer amount is displayed on the display unit. 2a (S15), when the customer inputs an instruction to execute a transaction through the input unit 2b while viewing the confirmation screen, the control unit 9 communicates with the host computer 10 via the communication unit 7 to request the execution of the transaction. (S16).

As a result, when the host computer 10 executes the transfer transaction and the control unit 9 receives the notification via the communication unit 7, the control unit 9 causes the statement slip processing unit 6 to print the transaction contents on the statement slip and issue it to the customer. In addition, a screen on which a message for prompting the receipt of the card is arranged is displayed on the display unit 2a (S17), and the card is discharged from the card processing unit 5 to complete the transaction.
When the customer selects cash in S4, the control unit 9 displays a screen for inputting the transfer amount on the display unit 2a.

When the customer inputs the transfer amount via the input unit 2b according to this screen (S18), the control unit 9 determines whether or not the input transfer amount exceeds the transaction limit (S19).
When the transaction limit is exceeded, the control unit 9 asks whether the transfer amount is below the transaction limit and the transaction is continued or the transaction is canceled because the transfer amount exceeds the transaction limit. A transaction continuation inquiry screen with a message and a button for selecting either continuation or cancellation of the transaction is displayed on the display unit 2a (S20). The customer looks at this transaction continuation inquiry screen, and inputs "2" through the input unit 2b. Press the “Cancel” or “Continue” button.

The control unit 9 determines whether the transaction is to be continued or canceled by the pressed button (S21). If the transaction is canceled, the transaction is terminated. If it is determined that the transaction is to be continued, the process returns to S18 to re-enter the transfer amount. Make it.
When the transfer amount does not exceed the transaction limit amount, an input screen for inputting the transfer destination account information (recipient account information) is displayed on the display unit 2a, and the customer inputs the transfer destination financial institution by the input unit 2b according to this input screen. A code, a branch name, an account subject, an account number, and a recipient name are sequentially input (S22). Also in this case, if there is a transfer card, the card can be inserted into the card processing unit 5 and automatically input.

When the input of the bank account information is completed, the control unit 9 displays an input screen for inputting the client information on the display unit 2a.
When the customer inputs the client name and client telephone number using the input unit 2b according to this input screen (S23), the control unit 9 communicates a transfer inquiry to the host computer 10 using the communication unit 7 (S24).

In this case, the communication is transmitted from the control unit 9 to the host computer 10 to request the transfer destination.
The host computer 10 determines whether it is the bank or the other bank based on the financial institution code of the received bank transfer information. In the case of the bank, the storage unit 11 is searched to confirm the bank account of the bank account, and the existence of the account is confirmed. A notification that it is possible is transmitted to the automatic transaction apparatus 1.

  Further, when the bank account of the transfer destination is another bank, the host computer 10 refers to the financial institution code table of the storage unit 11 to identify the financial institution corresponding to the financial institution code of the transfer destination, and the host of the identified financial institution The transfer destination account information is transmitted to the computer 13 to request confirmation of the account. As a result, when the host computer 13 confirms the account and the host computer 10 receives a notification to that effect, a notification that the transaction is possible is sent to the automatic transaction apparatus 1.

  When the transfer inquiry is made in this way and the control unit 9 of the automatic transaction apparatus 1 receives a notification from the host computer 10 that the transaction is possible, the transfer is made to confirm the transfer destination account information and the transfer amount client information. A content confirmation screen is displayed on the display unit 2a (S25). When the customer confirms the transaction content by viewing this confirmation screen, a screen prompting the customer to insert the cash for the transfer amount is displayed on the display unit 2a. The banknote processing unit 3 and the coin processing unit 4 are charged with cash for the transfer amount (S26).

When the control unit 9 confirms that the cash inserted by the customer is equal to or greater than the transfer amount, the control unit 9 communicates with the host computer 10 via the communication unit 7 to request execution of the transaction (S27).
As a result, when the host computer 10 executes the transfer transaction and the control unit 9 receives the notification via the communication unit 7, if there is a change, a screen prompting receipt of the change is displayed on the display unit 2a (S28). At the same time, the banknote processing unit 3 or the coin processing unit 4 is caused to emit change.

Then, a screen prompting receipt of the statement slip is displayed on the display unit 2a (S29), and the transaction details are printed on the statement slip by the statement slip processing unit 6, issued to the customer, and the transaction is terminated.
In the first embodiment described above, each financial transaction is performed with the personally confirmed / unconfirmed information indicating whether the financial institution is confirmed or unconfirmed as one of the customer's account information. When the customer uses an account with a card and makes a transfer transaction using an automatic transaction device, the customer must enter the transfer amount before entering the account information of the payee, If the transfer amount exceeds the transaction limit in the automatic transaction device, the transfer requester's account information read from the card is sent from the automatic transaction device to the host computer, and the transfer requester's identity confirmed / unconfirmed information is confirmed. If the identity confirmation / unconfirmed information is confirmed on the host computer, the transaction with the transfer amount exceeding the transaction limit is executed. Therefore, the effect is obtained that is highly rated customer can increase the convenience of the customer it is possible to perform the transfer transaction amount desired at once without be repeated a plurality of times greater transfer transaction the number of operations.

  Also, before entering the recipient account information, the transfer amount is entered and the identity verified / unconfirmed information is confirmed as described above. If the transaction is not necessary and the transaction with the transfer amount entered without confirming the identity / unconfirmed information is not possible, it is possible to perform an appropriate process such as inducing a change in the transfer amount.

  In the first embodiment described above, it is assumed that the personal identification number and the transfer amount do not exceed the account balance in the transfer inquiry communication process in S14, but this check is performed on the identity confirmed / unconfirmed information in S8. It may be performed simultaneously with the confirmation request. That is, in S8, the control unit 9 of the automatic transaction apparatus 1 transmits the card number and the personal identification confirmed / unconfirmed information, as well as the password entered by the customer and the transfer amount to the host computer 10, and the host computer 10 You may make it return the confirmation result of identity verification / unconfirmed information to the automatic transaction apparatus 1 after checking the transfer amount.

In this way, even if the account balance is insufficient for the transfer amount desired by the customer or the customer has entered the wrong PIN, it is determined whether or not to proceed with the transfer transaction before entering the recipient information. be able to.
Next, a second embodiment will be described.
The configuration of the second embodiment is the same as that of the first embodiment.

FIG. 6 is a diagram showing a processing procedure at the time of confirming the recipient identity confirmed / unconfirmed information in the second embodiment.
When the transfer transaction is selected by the automatic transaction apparatus 1 and the bank account information of the bank is input as shown in FIG.
(1) Transfer account information (recipient account information) is sent to the host computer 10.
(2) The host computer 10 determines whether it is the customer of the bank or the customer of the other bank from the financial institution code included in the bank account information for the bank account, and in the case of the bank customer, the account number matching the account number of the bank account information for the bank account Is stored in the storage unit 11, and it is confirmed whether the verified / unconfirmed information of the searched customer account information is “confirmed” or “unconfirmed”.
(3) The host computer 10 transmits the confirmation result to the automatic transaction apparatus 1.

In addition, as shown in FIG. 4B, when the transaction transaction is selected by the automatic transaction apparatus 1 and the bank account information of another bank is input,
(1) Transfer account information (recipient account information) is sent to the host computer 10.
(2) The host computer 10 determines whether it is the customer of the bank or the customer of the other bank from the financial institution code included in the bank account information for the transfer destination. The bank account information is transmitted to the host computer 13 and the confirmation of the identity confirmed / unconfirmed information is requested.
(3) The host computer 13 searches the storage unit 14 for customer account information having an account number that matches the account number of the transfer destination account information, and the identity confirmed / unconfirmed information of the retrieved customer account information is “confirmed. ”Or“ unconfirmed ”and notifies the host computer 10 of the confirmation result.
(4) The host computer 13 notifies the confirmation result to the host computer 10.
(5) The host computer 10 transmits the confirmation result received from the host computer 13 to the automatic transaction apparatus 1.

Details of the transfer transaction will be described below as the operation of the second embodiment.
7 and 8 are flowcharts showing the operation of the second embodiment. First, from the transaction selection screen display (S31) to the transfer amount input (S36), the same operations as in S1 to S6 of the first embodiment are performed. Is called.
When the input of the transfer amount is completed, in the second embodiment, the transfer destination account information (recipient account information) is input as in S13 of the first embodiment (S37). Of course, in this case as well, input by transfer card is possible.

When the input of the transfer account information is completed, the control unit 9 communicates a transfer inquiry to the host computer 10 by the communication unit 7 (S38).
In this case, the communication is transmitted from the communication unit 7 to the host computer 10 together with the transfer inquiry request from the control unit 9 together with the card information, the password, the transfer amount, and the transfer destination account information.
The host computer 10 determines whether it is the bank or the other bank from the financial institution code of the received card information, and in the case of the bank, customer account information corresponding to the account number of the card information as described in FIG. Search from the storage unit 11. Then, the personal identification number of the customer account information is compared with the received personal identification number to confirm the identity, and whether the transfer amount is less than the transaction limit amount or whether the transfer amount is less than the account balance of the customer account information. Judging.

If the transfer amount is less than the transaction limit and the transfer amount is less than or equal to the account balance of the customer account information, it is determined whether it is the bank or the other bank according to the financial institution code of the bank account information. Based on the account number, the customer account information of the transfer destination is searched from the storage unit 11, and if the existence of the account is confirmed, a notification that the transaction is possible is transmitted to the automatic transaction apparatus 1 as a transfer inquiry result.
On the other hand, when the financial institution code of the received card information is another bank and the transfer amount is less than or equal to the transaction limit, the financial institution corresponding to the financial institution code of the card information is specified with reference to the financial institution code table of the storage unit 11 Then, the card information, personal identification number, transfer amount, and transfer destination account information are transmitted to the host computer 13 of the specified financial institution to request a transfer inquiry.

As a result, the host computer 13 retrieves the customer account information corresponding to the account number of the card information from the storage unit 14, compares the password number of the customer account information with the received password number, confirms the identity, and further transfers the transfer amount. Is less than or equal to the account balance of the customer account information.
If the transfer amount is equal to or less than the account balance of the customer account information, these results are transmitted to the host computer 10 as a transfer inquiry result, and the host computer 10 further transmits the transfer inquiry result to the automatic transaction apparatus 1.

  If the transfer amount exceeds the transaction limit and the transfer amount is equal to or less than the account balance of the customer account information, the host computer 10 determines whether it is the bank or the other bank based on the financial institution code of the transfer destination account information. Based on the account number of the transfer destination account information, the customer account information of the transfer destination is searched from the storage unit 11, and it is confirmed whether the identity verified / unconfirmed information of the customer account information is “confirmed” or “unconfirmed”. These results are transmitted to the automatic transaction apparatus 1 as a transfer inquiry result.

If the passwords do not match, or if the account balance is less than the transfer amount, information to that effect is sent to the automatic transaction apparatus 1 to re-enter the password and correct the transfer amount.
In addition, when the host computer 10 determines that the transfer amount exceeds the transaction limit and the financial institution code of the card information or the transfer destination account information is another bank, the storage unit as described with reference to FIG. The financial institution corresponding to the financial institution code of the transfer destination account information is identified with reference to 11 financial institution code table, and the card information, password, transfer amount, and transfer destination account are stored in the host computer 13 of the specified financial institution. Send information and request a transfer inquiry.

As a result, the host computer 13 retrieves the customer account information corresponding to the account number of the card information from the storage unit 14, compares the password number of the customer account information with the received password number, confirms the identity, and further transfers the transfer amount. Is less than or equal to the account balance of the customer account information.
If the transfer amount is equal to or less than the account balance of the customer account information, the customer account information of the transfer destination is searched from the storage unit 14 based on the account number of the transfer destination account information, and the identity of the customer account information is confirmed / It is confirmed whether the unconfirmed information is “confirmed” or “unconfirmed”, and these results are transmitted to the host computer 10 as a transfer inquiry result, and the host computer 10 further transmits the transfer inquiry result to the automatic transaction apparatus 1.

At this time, if the passwords do not match, or if the account balance is less than the transfer amount, information to that effect is sent to the automatic transaction apparatus 1 to re-enter the password and correct the transfer amount.
When the financial institution code of the card information is different from the financial institution code of the transfer destination account information, the host computer 10 sends the card information, the password, the transfer amount, and the transfer destination account information to the corresponding financial institution. A request for a transfer inquiry is sent to the host computer 13, and a transfer inquiry result is received from the host computer 13 of the corresponding financial institution and transmitted to the automatic transaction apparatus 1.

  When the control unit 9 of the automatic transaction apparatus 1 receives the transfer inquiry result from the host computer 10, it determines whether the confirmation result of the identity confirmation / unconfirmed information is “confirmed” or “unconfirmed” (S39). In this case, since the transfer amount exceeds the transaction limit, the transaction end notification screen with a message indicating that the transaction cannot be performed is displayed on the display unit 2a (S40), and the transaction is canceled. A transaction continuation inquiry screen with a message that asks if you want to continue the transaction by changing the value below the transaction limit or cancel the transaction, and a button to select either continuation or cancellation of the transaction on the display unit 2a When the transaction button is displayed and the transaction continuation button is pressed, the transaction may be executed after correcting the transfer amount.

  If the identity confirmed / unconfirmed information is “confirmed”, or if the transfer inquiry result is a notification that the transaction can be made from the host computer 10, the confirmation of the transfer destination information and the transfer amount is displayed (S41). The same processing as S15 to S16 in the first embodiment is performed until the display of a screen in which a message for prompting reception is arranged (S43), the card is discharged from the card processing unit 5, and the transaction is terminated.

When the customer selects cash in S32, the transfer amount input (S44) and the transfer destination account information (recipient account information) input (S45) are performed in the same manner as S18 and S22 in the first embodiment, Thereafter, the control unit 9 communicates a transfer inquiry to the host computer 10 through the communication unit 7 (S46).
In the communication in this case, first, the transfer amount and the transfer destination account information are transmitted from the control unit 9 to the host computer 10 from the communication unit 7 together with the transfer inquiry request.

  The host computer 10 determines whether or not the received transfer amount is less than or equal to the transaction limit. If the transfer amount is less than or equal to the transaction limit, the host computer 10 determines whether it is the bank or the other bank based on the financial institution code of the transfer destination account information. In the case of, the customer account information of the payee is searched based on the account number of the payee account information, and when the presence of the recipient's account is confirmed by this, the host computer 10 transfers a notice that the transaction is possible. It transmits to the automatic transaction apparatus 1 as an inquiry result.

  In addition, if the transfer amount exceeds the transaction limit, it is determined whether it is the bank or the other bank based on the financial institution code of the transfer destination account information. In the case of the own transfer, the transfer is made from the storage unit 11 based on the account number of the transfer destination account information. The previous customer account information is searched to confirm whether the personally confirmed / unconfirmed information of the customer account information is “confirmed” or “unconfirmed”, and these results are transmitted to the automatic transaction apparatus 1 as a transfer inquiry result. .

If the transfer amount exceeds the transaction limit and the financial institution code of the transfer destination account information is determined to be another bank, the financial institution corresponding to the transfer destination financial institution code with reference to the financial institution code table of the storage unit 11 And the transfer destination account information is transmitted to the host computer 13 of the specified financial institution to request a transfer inquiry.
As a result, the host computer 13 searches the storage unit 14 for the customer account information of the payee based on the account number of the payee account information, and whether the identity verified / unconfirmed information of the customer account information is “confirmed” or “ Check if it is “Unconfirmed”. Then, the confirmation result is transmitted to the host computer 10 as a transfer inquiry result, and the host computer 10 further transmits the received transfer inquiry result to the automatic transaction apparatus 1.

  When the control unit 9 of the automatic transaction apparatus 1 receives the transfer inquiry result from the host computer 10, if the transfer inquiry result is the confirmation result of the identity confirmation / unconfirmed information, whether the identity confirmation / unconfirmation information is “confirmed” or “ It is determined whether it is “unconfirmed” (S47). If it is “unconfirmed”, a transaction end notification screen is displayed (S48) as in S40, and the transaction is stopped. In this case, a transaction continuation inquiry with a message that asks whether you want to continue the transaction by changing the transfer amount to the transaction limit or less, and a button to select either continuation or cancellation of the transaction Of course, when the screen is displayed on the display unit 2a and the transaction continuation button is pressed, the transaction may be executed after correcting the transfer amount.

  If the identity confirmed / unconfirmed information is “confirmed”, or if the transfer inquiry result is a transactionable notification from the host computer 10, the client information is input in the same manner as S23 in the first embodiment (S49). After that, the transfer content confirmation screen is displayed (S50), the amount of money to be transferred is inserted (S51), the transaction is executed by communication with the host computer 10 (S52), the screen prompting the receipt of change (S53), the statement slip Screen display for prompting receipt (S54) is performed in the same manner as S25 to S29 in the first embodiment, and the transaction details are printed on the statement slip by the statement slip processing unit 6, issued to the customer, and the transaction is terminated.

  In the second embodiment described above, each financial transaction is performed by using personally confirmed / unconfirmed information as one of customer account information indicating whether the financial institution has confirmed or not confirmed that the account holder is the principal. When an institution's host computer holds it and the customer makes a transfer transaction on the automatic transaction device, the transfer amount and the account information of the recipient who is the transfer destination are sent from the automatic transaction device to the host computer and the identity is confirmed / unconfirmed When the host computer requests confirmation of information, if the transfer amount exceeds the transaction limit in the automatic transaction device, if the recipient's identity confirmed / unconfirmed information is confirmed and confirmed, the transaction limit Since the transaction with the transfer amount exceeding the limit is executed, the customer with high credit quality can transfer the desired amount at once without repeating the transfer transaction with many operations. Effect is obtained that it is possible to increase the possibility and become customer convenience be performed.

Moreover, even when the transaction with the transfer amount entered without confirming the identity confirmation / unconfirmation information is not possible, it is possible to perform an appropriate process such as inducing a change in the transfer amount.
In the first embodiment described above, the identity confirmed / unconfirmed information only for the transfer requester is confirmed, and in the second embodiment, the identity confirmed / unconfirmed information only for the recipient is confirmed. In this case, it is assumed that the transaction with the transfer amount exceeding the transaction limit is executed, but both the transfer requester and the payee are confirmed with the identity verification / unconfirmed information, and both are confirmed as confirmed. In such a case, a transaction with a transfer amount exceeding the transaction limit may be executed. In this way, security can be further improved.

Block diagram showing the first embodiment The figure which shows the content of the memory | storage part which the host computer 10 manages The figure which shows the process sequence at the time of identity verification / unconfirmed information confirmation of 1st Example Flow chart showing the operation of the first embodiment Flow chart showing the operation of the first embodiment The figure which shows the process sequence at the time of the identity confirmation / unconfirmed information confirmation of 2nd Example. Flowchart showing the operation of the second embodiment Flowchart showing the operation of the second embodiment

Explanation of symbols

1 Automatic transaction equipment (ATM)
2 customer operation unit 3 banknote processing unit 4 coin processing unit 5 card processing unit 6 statement slip processing unit 7 communication unit 8 storage unit 9 control unit 10 host computer 11 storage unit 12 communication network 13 host computer 14 storage unit

Claims (9)

An automatic transaction system comprising a customer-operated automatic transaction apparatus and a host computer of each financial institution,
The host computer holds the identity confirmed / unconfirmed information indicating whether the financial institution is confirmed or unconfirmed that the account holder is the principal, as part of the customer account information,
When performing a transfer transaction with the automatic transaction apparatus, in order to confirm the account of the transfer requester or the account of the payee who is the transfer destination, account information of at least one of the transfer requester and the payee is transferred from the automatic transaction apparatus to the host. Send it to the computer,
When the host computer confirms the identity / unconfirmed information of at least one of the transfer requester and the payee and confirms that the information has been confirmed, the host computer executes the transaction with the transfer amount exceeding the transaction limit in the automatic transaction apparatus. An automatic transaction system characterized by that. In the automatic transaction system according to claim 1,
When a customer conducts a transfer transaction using an account with a card, at least input the transfer amount before entering the account information of the payee,
When the input transfer amount exceeds the transaction limit amount in the automatic transaction apparatus, when the account information of the transfer requester read from the card is transmitted from the automatic transaction apparatus to the host computer,
The automatic transaction system, wherein the host computer confirms the identity / unconfirmed information of the transfer requester. In the automatic transaction system according to claim 1,
Send the transfer amount entered by the customer on the automatic transaction device and the account information of the recipient who is the transfer destination from the automatic transaction device to the host computer,
The automatic transaction system characterized in that the host computer confirms the identity confirmation / unconfirmation information of the recipient when the transfer amount exceeds the transaction limit in the automatic transaction apparatus. In the automatic transaction system according to any one of claims 1 to 3,
If the transfer amount exceeds the transaction limit of the automatic transaction device and the identity verified / unconfirmed information is unconfirmed, the automatic transaction device will ask the customer whether to change the transfer amount and continue the transaction or to cancel the transaction. An automatic transaction system characterized by allowing selection. A display unit for guiding operation to the customer;
An input unit for the customer to input information according to the operation guidance;
A media processing unit that reads information identifying a customer account from media owned by the customer;
A communication unit with the host computer;
In an automatic transaction apparatus comprising at least a transfer function and a control unit for controlling each of the parts,
The controller is
Sending information identifying the customer account read by the medium processing unit during the transfer transaction to confirm the customer account to the host computer via the communication unit,
Determine whether the confirmation result of the identity confirmation / unconfirmation information obtained from the host computer via the communication unit is confirmed or unconfirmed,
In the case of unconfirmed, the automatic transaction apparatus characterized by making it transfer with the amount of money below the transaction limit set in the apparatus. The automatic transaction apparatus according to claim 5,
The controller is
When the transfer amount input by the input unit exceeds the transaction limit set in the apparatus, the confirmation result of the identity confirmed / unconfirmed information obtained from the host computer via the communication unit is confirmed. An automatic transaction apparatus characterized by determining whether it is unconfirmed. A display unit for guiding operation to the customer;
An input unit for the customer to input necessary information according to the operation guidance,
A media processing unit that reads information identifying a customer account from media owned by the customer;
A communication unit with the host computer;
In an automatic transaction apparatus comprising at least a transfer function and a control unit for controlling each of the parts,
The controller is
At least let the customer enter the transfer amount before entering the account information of the payee to whom the transfer is made,
Sending information identifying the customer account read by the media processing unit to confirm the customer account to the host computer via the communication unit;
Confirmation result of identity confirmed / unconfirmed information indicating whether the financial institution has confirmed or unconfirmed that the account holder of the customer account obtained from the host computer through the communication unit is the principal, and An automatic transaction apparatus for judging whether or not to proceed with an input of a transfer transaction including an input of a recipient's account information from a transfer amount. A display unit for guiding operation to the customer;
An input unit for the customer to input necessary information according to the operation guidance,
A media processing unit that reads information identifying a customer account from media owned by the customer;
A communication unit with the host computer;
In an automatic transaction apparatus comprising at least a transfer function and a control unit for controlling each of the parts,
The controller is
At least let the customer enter the transfer amount before entering the account information of the payee to whom the transfer is made,
Sending the information for identifying the customer account and the transfer amount to the host computer via the communication unit to confirm the customer account,
Transfer transaction progress information determined from the confirmation result of the principal confirmed / unconfirmed information and the transfer amount indicating whether the host computer has confirmed whether the account holder of the customer account is the principal or not. And determining whether or not to proceed with the input of the transfer transaction including the input of the recipient's account information based on the transfer transaction progress propriety information. A display unit for guiding operation to the customer;
An input unit for the customer to input necessary information according to the operation guidance,
A media processing unit that reads information identifying a customer account from media owned by the customer;
A communication unit with the host computer;
In the automatic transaction apparatus of the first financial institution comprising at least a transfer function and a control unit for controlling the respective units,
The controller is
Send the information for identifying the customer account and the transfer amount to the host computer of the first financial institution via the communication unit,
When the customer account is an account of a second financial institution different from the first financial institution, the account of the customer account obtained by the host computer of the second financial institution by the host computer of the first financial institution The confirmation result of identity confirmed / unconfirmed information indicating whether the financial institution is confirmed or unconfirmed that the holder is the principal is received from the host computer of the first financial institution via the communication unit and the confirmation is made. Determine whether the result is confirmed or unconfirmed,
In the case of unconfirmed, the automatic transaction apparatus characterized by making it transfer with the amount of money below the transaction limit set in the apparatus.