JP2009205332A - Automatic transaction apparatus and automatic transaction method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an automatic transaction apparatus carrying out a correct process for a legitimate user even when a delay or stall of a process arises due to a failure or a fault during a transaction by the user at the automatic transaction apparatus. <P>SOLUTION: The automatic transaction apparatus carrying out the transaction for the legitimate user by authenticating the user is provided with an operation input and display section 9 for displaying a guide for the transaction for the user, a time monitoring agent 14 for measuring the time required for transition of a display screen which is displayed on the operation input and display section 9 and detecting whether or not the measured time has exceeded a prescribed time and a control section for controlling the operation input and display section 9 to display a screen requesting authentication of the user when the time monitoring agent 14 detects that the time has exceeded the prescribed time. <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

  The present invention relates to an automatic transaction apparatus and an automatic transaction method, and more particularly to an automatic transaction apparatus and an automatic transaction method such as a financial automatic machine capable of performing various transactions in a financial institution such as a bank.

  The financial automatic machine performs transaction processing by software (automatic machine software) that controls the financial automatic machine. Due to failures or malfunctions other than automatic machine software such as network failures, browser abnormalities, and lack of hardware resources due to application effects, transaction processing of financial automatic machines may be extremely slow or transaction processing may be stagnant. For this reason, there are cases where a third party steals the user's media when the user is away from the financial automatic machine.

  In order to deal with this, the automated financial system automatically recognizes that a failure has occurred in the automated transaction system as abnormal, thereby preventing the medium from passing over to a third party and safely returning the medium to the user. Must.

  Therefore, as a prior art, in Patent Document 1, when a card remains in the apparatus due to a power failure or failure, the card is automatically used properly without relying on a staff member by prompting the user to enter a personal identification number when the apparatus is restored. The automatic transaction apparatus to be returned to the person is described.

JP 2005-128912 A

  However, the conventional technology assumes a situation in which the automatic transaction apparatus can clearly recognize a failure such as a physical failure or a power failure, and cannot recognize that a failure or failure has occurred other than the automatic machine software. there were.

  An object of the present invention is to perform a correct process on a legitimate user even when the user has a delay or stagnation of a process due to a failure or trouble during a transaction with an automatic transaction apparatus.

  In order to achieve the above object, in a preferred example, the automatic transaction apparatus according to the present invention is a display unit that displays a transaction guide to a user in an automatic transaction apparatus that authenticates the user and makes a transaction with an authorized user. Measuring a time required for transition of the display screen displayed on the display unit, detecting whether or not the measured time exceeds a predetermined time, and the time monitoring unit When an excess is detected, the display unit can be configured to have a control unit that controls to display a screen for requesting user authentication.

  In addition, the time monitoring unit can be configured to detect whether or not the fault is related to software that controls the automatic transaction apparatus.

  According to the present invention, even when there is a delay or stagnation of processing due to a failure or trouble in a transaction with an automatic transaction apparatus, a correct user can be processed correctly.

  Next, the best mode for carrying out the present invention will be described based on the following embodiments with reference to the drawings.

  FIG. 1 is a diagram illustrating a configuration example of an automatic transaction system according to the present embodiment.

  In the automatic transaction system, the financial automatic machine 1 is connected to the host computer 20 via the communication network 30.

  As an example of an automatic transaction apparatus, the automated teller machine 1 is an ATM provided in a financial institution such as a bank, and has a function of performing a cash deposit / withdrawal transaction and automatically executes various transactions requested by a user. It is an apparatus that displays operation guidance, announcement information, and the like related to those transactions on the screen, accepts and detects user operations and input pressed by a finger, and performs processing.

  The financial automatic machine 1 includes a control unit 2, a card mechanism unit 5, a bill deposit / withdrawal mechanism unit 6, a statement slip mechanism unit 7, an authentication mechanism unit 8, an operation input / display unit 9, and a line connection unit 10. The control unit 2 controls the entire financial automatic machine 1 including the card mechanism unit 5, the bill deposit / withdrawal mechanism unit 6, the statement slip mechanism unit 7, the authentication mechanism unit 8, the operation input / display unit 9, and the line connection unit 10. , Automatic machine software 11, AP section 3 and operating system 4. In addition, when the time measurement by the time monitoring agent 14 exceeds a predetermined time, the control unit 2 performs re-authentication of the user, such as displaying a screen for requesting user authentication on the operation input / display unit 9. Control to do. The operation input / display unit 9 is an input unit for the user to make a transaction, and displays a guidance screen for guiding the operation of the transaction to the user.

  Here, FIG. 4 shows a display example of the guidance screen displayed on the operation input and display unit 9. The guidance screen 301 is a screen displayed when an unexpected failure occurs in the financial automatic machine 1, and is a guidance screen that guides the user to select a re-authentication button or a button for the next user. is there. The guidance screen 302 is a screen for guiding the user to input a password for re-authentication. The guidance screen 303 is a guidance screen that guides the user to receive the medium. The guidance screen 304 is a guidance screen that guides the user to redo the transaction. The operation input / display unit 9 is, for example, a touch panel display screen.

  The automatic machine software 11 is software that controls the financial automatic machine 1 and includes a controller 12, a module unit 13, and a time monitoring agent 14. The controller 12 controls transaction processing. The module unit 13 controls each of the card mechanism unit 5, the bill deposit / withdrawal mechanism unit 6, the statement slip mechanism unit 7, the authentication mechanism unit 8, the operation input / display unit 9, and the line connection unit 10.

  The time monitoring agent 14 includes a timer for measuring time and has a function of monitoring transaction processing. The time monitoring agent 14 monitors the processing time between the input / output of the AP group 3, API 16 and browser 17 and the controller 12, and When a failure occurs other than the software 11, a failure notification (time-up notification) is performed.

  The AP group 3 has various application software for realizing each function of the financial automatic machine 1. The operating system 4 includes an API (Application Program Interface) 16 and a browser 17.

  The host computer 20 transmits / receives data to / from the financial automatic machine 1 and controls user information and transaction item information associated therewith.

  FIG. 2 is a diagram for explaining processing from input by an input button for a transaction by a user to display of the next guidance screen.

  First, when the user completes the button input for performing a transaction in the financial automatic machine 1, the time monitoring agent 14 is activated (S101), and it is determined whether or not there is a time-up notification (failure notification) from the time monitoring agent 14. (S102). When there is a time-up notification from the time monitoring agent 14, the financial automatic machine 1 is initialized (step 106). On the other hand, if there is no time-up notification, processing including calling the API 16 and the module group 13 is executed in order to change the display screen of the operation input / display unit 9 (S103).

  When the transition of the display screen is completed, the time monitoring agent 14 is started again before waiting for an event from the user (transaction button input waiting) (S104), and the time-up notification from the time monitoring agent 14 (failure) Notification) is determined (S105). When there is a time-up notification (failure notification) from the time monitoring agent 14, a guidance screen 301 is displayed on the operation input and display unit 9 to guide the user to select a re-authentication button or a button for the next user. (S107).

  It is determined whether or not the user has pressed the re-authentication button on the guidance screen 301 (S108). When the user presses the re-authentication button on the guidance screen 301, the guidance screen 302 is displayed on the operation input / display unit 9 to prompt the user to re-authenticate (step 109).

  If the authentication is successful, the guidance screen 303 is displayed on the operation input / display unit 9, the medium is returned to the user (S 111), and the guidance screen 304 is displayed on the operation input / display unit 9. 1 is initialized (S112), and a transaction initial screen is displayed (S113).

  In S110, when the authentication fails due to the overrun of the default retry count or the screen time-out at the time of authentication, the guidance screen 304 is displayed on the operation input and display unit 9, the financial automatic machine 1 is initialized (S114), and the user's medium Are collected in the financial automatic machine 1 (S115), and a transaction initial screen is displayed (S116).

  FIG. 3 is a diagram for explaining the operation of the time monitoring agent 14 in S101 and S104.

  Each time the time monitoring agent 14 is called, the flag indicating the start or end of monitoring is switched (S201). It is determined whether it is a monitoring start flag or a monitoring end flag (S202). When the monitoring start flag of the time monitoring agent 14 is set, the timer function is started (S203).

  The time monitoring agent 14 determines whether or not a predetermined time has elapsed (S204). When the predetermined time has elapsed, the time monitoring agent 14 transmits a time-up notification (failure notification) to the controller 12 (S205), and proceeds to S106. When the time monitoring agent 14 is stopped without passing the predetermined time, the monitoring by the time monitoring agent 14 is terminated (S204), and the process proceeds to S103.

  If the monitoring end flag of the time monitoring agent 14 is set, the timer function is ended and the timer time is reset (S214).

  It is determined whether the timer time is within a predetermined time (S215). If it is within the predetermined time, the monitoring by the time monitoring agent 14 is terminated, and the process proceeds to S150. On the other hand, if the predetermined time has been exceeded, a time-up notification (failure notification) is transmitted (S216), the process proceeds to S107, and re-authentication processing is performed.

  According to the present embodiment, when a trouble or trouble occurs in the automatic machine software 11 during a transaction in the financial automatic machine 1, if the processing time is extremely slow or the process is stagnant, information input by the user in the automatic machine software 11 By measuring the processing time from one to the next guidance screen display and judging whether the processing time has been exceeded, it is possible to detect whether it is normal or abnormal.

  In addition, the automatic machine software 11 determines that there is an abnormality and displays a re-authentication screen, so that the medium can be safely returned to the authorized user, and the user's medium is prevented from passing to a third party. Can improve the security.

  The present invention is not limited to the specifically disclosed embodiments, and various modifications and changes can be made without departing from the scope of the claims.

The figure which shows the structural example of the automatic transaction system by a present Example. The figure for demonstrating the process from an input process to the next guidance screen display. The figure for demonstrating operation | movement of a time monitoring agent. The figure which shows the example of a display of a guidance screen.

Explanation of symbols

1: financial automatic machine, 2: control unit, 3: AP unit, 4: operating system, 12: controller, 13: module unit, 14: time monitoring agent, 16: API, 17: browser, 20: host computer.

Claims (3)

In an automatic transaction device that authenticates users and conducts transactions with legitimate users,
A display for displaying transaction information to the user;
A time monitoring unit that measures the time required for transition of the display screen displayed on the display unit and detects whether the measured time exceeds a predetermined time; and
An automatic transaction apparatus comprising: a control unit that controls to display a screen for requesting user authentication on the display unit when the time monitoring unit detects that a predetermined time is exceeded.   2. The automatic transaction apparatus according to claim 1, wherein the time monitoring unit detects whether or not the failure is related to software that controls the automatic transaction apparatus. In an automatic transaction method that authenticates users and conducts transactions with legitimate users,
Displaying a transaction guide on the display to the user;
Measuring the time required for transition of the display screen displayed on the display unit, and detecting by the time monitoring unit whether or not the measured time exceeds a predetermined time;
An automatic transaction method comprising: a step of controlling by a control unit that displays a screen for requesting user authentication on the display unit when the time monitoring unit detects an excess of a predetermined time.

Images