JP2008242783A - Automatic transaction system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To easily select card information to be used. <P>SOLUTION: Available card information stored in a storage part 14 is retrieved based on card identification information included in magnetic stripe information read from an IC card 5, a corresponding service kind associated with the card identification information is extracted, a service selection input operation means for selecting the service kind is displayed, and a card selection input operation means for selecting the magnetic stripe information for a transaction selected by the service selection input operation means is displayed. <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

  The present invention relates to an automatic transaction system that is installed in a store such as a financial institution or a convenience store, and includes an automatic transaction apparatus that accepts insertion of an IC card by a customer's operation and performs various transactions.

A conventional automatic transaction apparatus reads all card information from a multi-function card in which a plurality of card information is recorded on a single magnetic stripe card or an IC card containing an IC chip, and selects the read card information. Operation buttons are displayed side by side on the display unit so that the customer can select them (for example, see Patent Document 1).
Japanese Patent Laid-Open No. 7-334633 (paragraph “0018” to paragraph “0020”, FIG. 4)

However, in the conventional technique described above, when the number of card information recorded on an IC card or the like increases, more operation buttons are displayed to select the card information, and the operation buttons are displayed in the order of registration. In many cases, the customer takes time to select desired card information.
An object of the present invention is to solve such a problem.

Therefore, the present invention displays a card unit that reads card information from an IC card in which card information of a plurality of cards is recorded, and a card selection input operation means associated with the read card information. A customer operation display unit that accepts a selection operation of the means, and in an automatic transaction system for performing a transaction based on the card information selected by the card selection input operation means, the card identification information included in the card information and the card information A storage unit that stores usable service information including service types indicating possible transactions;
Service selection for selecting available service types by searching available service information stored in the storage unit based on card identification information included in card information read from an IC card and selecting the service type A card information utilization section for displaying an input operation means and displaying a card selection input operation means for selecting card information capable of performing a transaction selected by the service selection input operation means; When the pressing of the operation means is accepted, a transaction is performed based on the selected card magnetic stripe information.

  According to the present invention as described above, the customer can easily select card information to be used, and the convenience of the customer can be improved.

  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 illustrating a configuration of an automatic transaction system and 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. This automatic transaction apparatus 1 can perform transactions such as cash withdrawal, cash deposit, transfer, cashing, loan repayment, revolving repayment, etc. by the operation of the customer. The communication line 2 is communicably connected.

Reference numeral 5 denotes an IC card having a storage element such as an IC chip. This IC card 5 is possessed by each customer who uses the automatic transaction apparatus 1, and previously stores account information such as the account number of the customer and IC card ID information uniquely assigned to each IC card. Is.
Further, the IC card 5 is used for account information such as a customer account number recorded on a magnetic stripe such as a bank cash card or a credit card, or a transfer destination information such as a transfer account number recorded on a magnetic stripe of a transfer card. Is stored in the storage element, that is, information recorded in the magnetic stripe of the card (hereinafter referred to as “card magnetic stripe information”) or the like can be registered as card information.

The storage element of the IC card 5 has a sufficient storage capacity and can store card magnetic stripe information of a plurality of cards.
Connected to the communication line 2 is a host computer (not shown), which is a host device of the automatic transaction apparatus 1 installed in a business center of a financial institution such as a bank. The host computer includes a control unit that is a calculation and control unit such as a CPU (Central Processing Unit) and an MPU (Micro Processing Unit), a storage unit that is a storage unit such as a magnetic disk and a semiconductor memory, and a communication unit that is a communication unit. It is provided and is connected to the automatic transaction apparatus 1 or the like via the communication line 2 so as to be able to communicate with each other.

In addition, the host computer transmits / receives a transaction message such as cash withdrawal, cash deposit, or transfer to / from the automatic transaction apparatus 1 to determine whether or not to establish a customer transaction and to process the transaction. In addition, the user's account number and the customer's personal identification number are used to verify the identity of the person.
As described above, the automatic transaction system includes the automatic transaction apparatus 1, the IC card 5, and a host computer (not shown).

Next, the configuration of the automatic transaction apparatus 1 will be described.
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 is a touch panel arranged on a display unit such as a CRT display or a liquid crystal display to detect an input operation performed by the customer. The screen for guiding the input operation and the like, and the input information and the like are displayed.

The input operation detected by the customer operation display unit 11 is notified by outputting a signal to a control unit described later.
A card unit 12 includes a card read / write mechanism and a card transport mechanism. The card unit 12 includes an IC card read / write unit 121 and a magnetic card read / write unit 122. The IC card read / write unit 121 is inserted into a card insertion / return slot by a customer's operation (in the case of a contact type IC card). Alternatively, the information can be read from the storage element of the IC card 5 by moving it closer to the read / write surface (in the case of a non-contact type IC card), and arbitrary information can be stored. Thus, information recorded from the magnetic stripe of the card inserted into the card insertion / return slot can be read, and arbitrary information can be recorded.

In the following description, a contact IC card is used.
The card whose information has been read or written is ejected from the card insertion return slot and returned to the customer. This card insertion / return port is provided with a mechanism for detecting insertion of a card and a mechanism for detecting receipt of a 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 that the customer puts in the deposit / withdrawal slot are counted by the banknote depositing / dispensing machine and stored in the safe, and the coins that are put in the deposit / withdrawal slot are counted by the coin depositing / dispensing machine and stored in the safe That is. Also, withdrawing processing, banknotes and coins corresponding to the amount specified by the customer's operation are paid out from the banknote depositing / dispensing machine and coin depositing / dispensing machine safe, counted, and delivered to the depositing / withdrawing port. It is.

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

  Reference numeral 14 denotes a 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 14 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. The usable card information including card identification information for identifying the card that can be handled by the transaction apparatus 1 is stored.

Reference numeral 15 denotes a control unit, which is composed of arithmetic and control means such as a CPU. The control unit 15 is a control program in which the operation of the entire automatic transaction apparatus 1 is stored in the storage unit 14 including the customer operation display unit 11, the card unit 12, the deposit / withdrawal unit 13, the storage unit 14, and the communication unit that performs communication control. Control based on (software).
The control unit 15 includes a card information writing unit 151 and a card information using unit 152. The card information writing unit 151 stores the card magnetic stripe information read from the magnetic stripe of the card in the storage element of the IC card 5. The card information utilization unit 152 executes a transaction based on the information read from the IC card 5.

  Further, the card information utilization unit 152 includes a card information acquisition unit 153 and a card information comparison unit 154, and the card information acquisition unit 153 is registered in the IC card 5 via the IC card read / write unit 121 of the card unit 12. The card magnetic stripe information is read, and the card information comparison means 154 searches for available card information stored in the storage unit 14 based on the card magnetic stripe information read from the IC card 5, and whether or not the transaction can be performed based on the card magnetic stripe information. Etc. are determined.

The control unit 15 also has a calendar and a clock function that are means for measuring the date and time and the like.
FIG. 2 is an explanatory diagram of information stored in the IC card 5 in the embodiment.
In FIG. 2, reference numeral 21 denotes management information, which stores a management number such as a serial number.
22 is card information, such as account information such as a customer's account number recorded on a magnetic stripe such as a bank cash card or a credit card, or transfer destination information such as a transfer account number recorded on the magnetic stripe of a transfer card. The card magnetic stripe information is stored.

The management information 21 and the card information 22 are stored for each card, and the card magnetic stripe information read from a plurality of cards can be stored.
FIG. 3 is an explanatory diagram of usable card information in the embodiment.
This usable card information is information for identifying a card that can be handled by the automatic transaction apparatus 1 as described above, and is stored in the storage unit 14 of the automatic transaction apparatus 1.

  In FIG. 3, reference numeral 31 denotes card identification information, which is included in the card magnetic stripe information read from the card and is a type of card such as a bank cash card or credit card issued by a credit account company that handles a savings account or a general deposit account. This is information given for each, and stores information for identifying a card (card magnetic stripe information) that can be handled by the automatic transaction apparatus 1.

Reference numeral 32 denotes a financial institution name, which stores the name of the financial institution that issued the card in association with the card identification information 31, for example, the name of a financial institution such as “A bank” or “B credit”. .
33 is a service type, which stores the type of transaction that can be performed with the card (card magnetic stripe information) identified by the card identification information 31, that is, the type of service that can be provided to the customer, as available service information. is there. For example, service types such as “cashing” and “card loan” for financing cash, and “loan repayment” and “rebate repayment” for repayment of the loaned cash are stored.

The card identification information 31, the financial institution name 32, and the service type 33 are stored for each card (card magnetic stripe information) and can be stored for a plurality of types of cards that can be handled by the automatic transaction apparatus 1. To do.
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).

First, a process for registering card magnetic stripe information in the IC card 5 performed by the automatic transaction apparatus 1 will be described.
FIG. 4 is a flowchart showing the card data registration process in the embodiment, which will be described in accordance with steps represented by S in the figure.
S1a: When a customer approach is detected by a proximity sensor (not shown), the customer operation display unit 11 of the automatic transaction apparatus 1 displays a transaction selection screen shown in FIG. This transaction selection screen consists of words such as “Please contact us for the transaction you want” and transaction selection buttons such as “Foreign currency deposit”, “Data registration”, “Deposit”, “Payment”, etc. is there.

S2a: It is assumed that the “data registration” transaction selection button is pressed by the customer.
S3a: When it is detected that the “data registration” transaction selection button is pressed, the control unit 15 displays an IC card insertion guidance screen shown in FIG. This IC card insertion guidance screen is composed of words such as “Please insert an IC cash card”, a “Cancel” button for returning to the transaction selection screen, and an illustration of the card. It is assumed that the customer inserts the IC card 5 possessed from the card insertion return port according to the IC card insertion guidance screen.

The card unit 12 pulls in the IC card 5 inserted by the customer, and the IC card read / write unit 121 reads account information such as the customer's account number.
When the IC card 5 is inserted, the customer operation display unit 11 displays a password input screen for accepting the input of the customer password shown in FIG. The password input screen includes a numeric keypad composed of “1” to “9” and “0” buttons, a “cancel” button for interrupting the transaction, a “correct” button for correcting the password entered with the numeric keypad, etc. Displays operation buttons. When the customer operation display unit 11 displays the password input screen, the customer presses the displayed operation button such as a numeric keypad to input the password. When the customer inputs the personal identification number, the control unit 15 transmits the personal identification number together with the account number read from the card to the host computer via the communication unit. At this time, the customer operation display part 11 shall display the communication screen shown in FIG. This communication screen is composed of words such as “Host communication in progress (IC card approval)”.

S4a: The host computer searches a customer database (not shown) based on the received customer account number, extracts a password, compares it with the received password, and verifies whether or not they match, that is, authenticates the user. The host computer transmits the result to the automatic transaction apparatus 1 via the communication unit.
S5a: As a result of the identity authentication, if the identity can be confirmed, the customer operation display unit 11 displays a registration card insertion guidance screen shown in FIG. This registration card insertion guidance screen is composed of words such as “Please insert the cash card or transfer card you want to register”, a “Cancel” button to interrupt the transaction, and an illustration of the card. It is assumed that the customer inserts a card according to the registration card insertion guide screen.

  S6a: When the card insertion is accepted, the magnetic card read / write unit 122 reads the magnetic stripe of the inserted card and determines whether the card is a cash card or a transfer card. Here, the determination of the cash card or the transfer card is made based on the difference in recording format in which the magnetic card read / write unit 122 reads the card. For example, the determination is made based on a difference in recording format such as a start code, an end code, and a checksum.

  S7a: When it is determined that the inserted card is a cash card, the customer operation display unit 11 displays a password input screen for accepting the input of the customer password shown in FIG. This password input screen includes a numeric keypad composed of “1” to “9” and “0” buttons, a “cancel” button for interrupting the transaction, a “correct” button for correcting the password entered with the numeric keypad, etc. An operation button and a message such as “Please press the PIN of the cash card to be registered” are displayed. When the customer operation display unit 11 displays the password input screen, the customer presses the displayed operation button such as a numeric keypad to input the password. When the customer inputs the personal identification number, the control unit 15 transmits the personal identification number together with the account number read from the card to the host computer via the communication unit. At this time, the customer operation display part 11 shall display the communication screen shown in FIG. This communication screen is composed of words such as “during host communication (registered card approval)”.

The host computer searches a customer database (not shown) based on the received customer account number, extracts a password, and compares the received password with the received password to verify whether they match, that is, to perform identity authentication. The host computer transmits the result to the automatic transaction apparatus 1 via the communication unit.
S8a: As a result of the personal authentication, if the identity is confirmed, the IC card read / write unit 121 instructs the card magnetic stripe data (card magnetic stripe information) read from the cash card in accordance with an instruction from the card information writing unit 151. A message for instructing to write the stripe data to the IC card 5 is transmitted. The IC card 5 stores the received card magnetic stripe data in the card information 22 and stores the assigned management number in the management information 21.

  S9a: When the card magnetic stripe data is written to the IC card 5, the card unit 12 returns the cash card to the customer according to the instruction from the control unit 15 and displays the cash card receipt guidance screen shown in FIG. 12, and the process proceeds to S12a. Let This cash card receipt guidance screen is composed of words such as “Please accept cash card” and card illustrations.

In addition, although S7a-S9a demonstrated the example which memorize | stores the card magnetic stripe data of a cash card in the IC card 5, the card magnetic stripe data of a credit card can also be memorize | stored in the IC card 5 similarly.
S10a: On the other hand, when the card inserted in S6a is determined to be a transfer card, the IC card read / write unit 121 instructs the card information stripe unit 151 to read the card magnetic stripe data together with the card magnetic stripe data read from the transfer card. Is transmitted to the IC card 5. The IC card 5 stores the received card magnetic stripe data in the card information 22 and stores the assigned management number in the management information 21.

S11a: When the card magnetic stripe data is written to the IC card 5, the card unit 12 returns the transfer card to the customer according to an instruction from the control unit 15 and displays the transfer card receipt guidance screen shown in FIG. This transfer card receipt guidance screen is composed of words such as “Please receive the transfer card” and an illustration of the card.
S12a: When the customer receives the card returned in S9a or S11a, the card unit 12 returns the IC card 5 to the customer and displays the IC card receiving guidance screen shown in FIG. This transfer card receipt guidance screen is composed of words such as “Thank you for receiving your IC cash card. Thank you.” And card illustrations.

In this way, the card magnetic stripe information is registered in the IC card 5.
Next, a transaction using the IC card 5 in which the card magnetic stripe information is registered will be described.
FIG. 15 is a flowchart showing the registration card use process in the embodiment, which will be described in accordance with steps represented by S in the figure.

  S1b: When a customer approach is detected by a proximity sensor (not shown), the customer operation display unit 11 of the automatic transaction apparatus 1 displays a transaction selection screen shown in FIG. This transaction selection screen displays the words such as "Please contact us for the transaction you want" and transaction selection such as "Foreign currency deposit", "Data registration", "Payment", "Payment", "Use other card function", etc. It consists of buttons.

S2b: It is assumed that the transaction selection button of “use other card function” is pressed by the customer.
S3b: Upon detecting that the transaction selection button “use other card function” is detected, the control unit 15 displays the IC card insertion guidance screen shown in FIG. It is assumed that the customer inserts the IC card 5 possessed from the card insertion return port according to the IC card insertion guidance screen.
The card unit 12 pulls in the IC card 5 inserted by the customer, and the IC card read / write unit 121 reads account information such as the customer's account number.

  When the IC card 5 is inserted, the customer operation display unit 11 displays a password input screen for accepting the input of the customer password shown in FIG. When the customer operation display unit 11 displays the password input screen, the customer presses the displayed operation button such as a numeric keypad to input the password. When the customer inputs the personal identification number, the control unit 15 transmits the personal identification number together with the account number read from the card to the host computer via the communication unit. At this time, the customer operation display part 11 shall display the communication screen shown in FIG.

S4b: The host computer searches a customer database (not shown) based on the received customer account number, extracts a password, compares it with the received password, and verifies whether or not they match, that is, authenticates the user. The host computer transmits the result to the automatic transaction apparatus 1 via the communication unit.
S5b: If the identity is confirmed as a result of the identity authentication, the card information utilization unit 152 reads all the card information 22 stored in the IC card 5 via the IC card read / write unit 121 by the card information acquisition unit 153. .

  S6b, S7b: When the card information acquisition unit 153 reads the card information 22 stored in the IC card 5, the card information comparison unit 154 uses the card information stored in the storage unit 14 based on the card identification information included in the read card information 22 The card identification information 31 of the possible card information is searched. When there is matching card identification information, the card information comparison means 154 determines that the IC card 5 can be used. Further, the card information comparison unit 154 extracts the financial institution name 32 and the service type 33 corresponding to the matching card identification information 31.

In this embodiment, as shown in FIG. 3, it is assumed that the financial institution name 32 and the service type 33 are extracted from the card identification information 31 of “YYY1”, “YYY2”, “YYY3”, and “YYY4”.
In this embodiment, the name of the financial institution corresponding to the card identification information 31 and the service type are retrieved and extracted from the usable card information stored in the storage unit 14, but an inquiry is made to a host computer (not shown). May be.

  S8b: When the card information comparison unit 154 extracts the financial institution name 32 and the service type 33, the customer operation display unit 11 displays the use service selection screen shown in FIG. 17 according to an instruction from the card information use unit 152 of the control unit 15. On this service selection screen, select the service such as “Cashing”, “Card loan”, “Loan repayment”, “Rebate repayment”, etc., which displays the name of the service, such as “Please select the service to use” It consists of buttons (service selection input operation means).

This service selection button displays all services available to the customer based on the extracted service type 33.
S9b: It is assumed that the customer presses the service selection button to be used, and the customer operation display unit 11 receives the press.
S10b: Upon receipt of the pressing of the service selection button, the card information utilization unit 152 of the control unit 15 extracts the card identification information 31 and the financial institution name 32 that can provide the selected service, and the card information of the control unit 15 In response to an instruction from the utilization unit 152, the customer operation display unit 11 displays a utilization card selection screen shown in FIG. This use card selection screen is composed of a phrase such as “Please select your institution” and a card selection button (card selection input operation means) that combines the extracted financial institution name 32 and the name of the selected service. Is.

  For example, when the “Cashing” service selection button is pressed, the card information utilization unit 152 of the control unit 15 determines from the card availability information shown in FIG. The institution name 32 is extracted, and card selection buttons such as “A bank cashing”, “B credit cashing”, and “C bank cashing” are displayed as shown in FIG. When the button is pressed, the card information utilization unit 152 of the control unit 15 extracts the card identification information 31 and the financial institution name 32 in which “card loan” exists in the service type 33 from the card usable information shown in FIG. As shown in FIG. 18B, “A bank card loan”, “B credit card loan”, “C bank card” It is intended to display the card selection button of over emissions "and the like.

The card identification information 31 extracted from the card usable information is stored in the storage unit 14 in association with the displayed card selection button.
S11b: When the use card selection screen is displayed, the customer presses the desired card selection button.
S12b: The card information utilization unit 152 of the control unit 15 correlates to the pressed card selection button, and the card magnetic stripe information including the card identification information 31 stored in the storage unit 14 (card information read from the IC card 5). 22) Start a transaction based on. For example, when the “A bank cashing” button is pressed, a cash transaction with a bank A cash card is performed, and when the “B credit cashing” button is pressed, a cash transaction with a B credit company is performed. And

  Here, when using the card information of the transfer card stored in the IC card 5 by the automatic transaction apparatus 1, in the screen for inputting the information of the transfer destination such as the transfer destination account number in the normal transfer transaction, “IC card registration” A selection button such as “use data” is displayed, and when the selection button is pressed, a list of all registered transfer destination information from the inserted IC card 5 is displayed on the screen as operation buttons.

When the customer selects and presses the desired transfer destination operation button from the displayed transfer destination information, the control unit 15 or the like of the automatic transaction apparatus 1 omits the input of the normal transfer destination information from the IC card 5. Perform a transfer transaction according to the read transfer destination information.
As described above, in this embodiment, even when a large number of card magnetic stripe information is recorded on one IC card, the type of service used by the customer is selected and the service is used. By displaying the card selection screen for selecting card magnetic stripe information that can be used, the customer can easily select the card magnetic stripe information to be used, and the convenience of the customer can be improved. An effect is obtained.

The block diagram which shows the structure of the automatic transaction system and automatic transaction apparatus in an Example. Explanatory drawing of the information memorize | stored in IC card in an Example Explanatory drawing of usable card information in the embodiment The flowchart which shows the registration processing of the card data in the execution example Illustration of transaction selection screen in the example Explanatory drawing of the IC card insertion guidance screen in the embodiment Explanatory drawing of the password input screen in the embodiment Illustration of the communication screen in the embodiment Explanatory drawing of the registration card insertion guidance screen in the embodiment Explanatory drawing of the password input screen in the embodiment Illustration of the communication screen in the embodiment Explanatory drawing of cash card receipt guidance screen in the embodiment Explanatory drawing of transfer card receipt guidance screen in the embodiment Explanatory drawing of the IC card receipt guidance screen in the embodiment The flowchart which shows the utilization process of the registration card | curd in an Example Illustration of transaction selection screen in the example Explanatory drawing of the use service selection screen in the embodiment Explanatory drawing of the use card selection screen in an Example

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Automatic transaction apparatus 2 Communication line 5 IC card 11 Customer operation display part 12 Card part 121 IC card read / write part 122 Magnetic card read / write part 13 Deposit / withdrawal part 14 Storage part 15 Control part

Claims (2)

A card unit that reads card information from an IC card in which card information of a plurality of cards is recorded, and a card selection input operation unit associated with the read card information are displayed, and a selection operation of the card selection input operation unit is accepted. In an automatic transaction system comprising a customer operation display unit and performing transactions based on card information selected by the card selection input operation means,
A storage unit that stores usable service information including card identification information included in the card information and a service type indicating a transaction that is possible with the card information;
Service selection for selecting available service types by searching available service information stored in the storage unit based on card identification information included in card information read from an IC card and selecting the service type A card information utilization unit that displays an input operation means and displays a card selection input operation means for selecting card information that can be used for the transaction selected by the service selection input operation means;
An automatic transaction system wherein a transaction is performed based on the selected card magnetic stripe information when a press of the card selection input operation means is accepted. In the automatic transaction system of claim 1,
An automatic transaction system, wherein the card information is magnetic stripe information.