JP2010049387A - Automated teller system, service management server, automated teller machine and automated teller method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To allow a user who has no cash card to use an automated teller machine by identifying the user without installing any special device such as a short-range radio communication equipment on the automated teller machine. <P>SOLUTION: A automated teller system includes: a database 6 for storing an account number, mail address, and ID in association with each other; and a service management server 5 for accepting the input of the mail address by the operation of a user 8 before performing transaction using an automated teller machine 1, receiving the mail address and notification to request issuing the ID from terminal equipment 2, storing the ID generated based on the notification in association with the mail address in the database 6, and issuing the ID. An automated teller machine 1 accepts the input of the issued ID and a password. The service management server 5 and a host computer 3 perform identification using the ID and the password, and provides a card-less service for permitting transaction in the automated teller machine 1. <P>COPYRIGHT: (C)2010,JPO&INPIT

Description

  The present invention relates to an automatic transaction system, a service management server, an automatic transaction apparatus, and an automatic transaction method for performing identity authentication for confirming that a user is a user and permitting transactions such as cash withdrawal.

  A conventional automatic transaction system reads an account number of a user from a cash card inserted by a user's operation with an automatic transaction device such as an automatic teller machine installed in a store of a financial institution such as a bank. The password entered by the user is entered, the entered password is checked against the password registered in advance in association with the user's account number, and the password entered is registered in advance. If it matches the number, the user is authorized and transactions such as cash withdrawal and transfer are permitted.

In addition, information such as an account number is stored in a non-contact IC card provided in the mobile phone, the account number is read from the mobile phone, and the input of the password is accepted, and the entered password is registered in advance. If the user matches the number, the user is permitted to make a transaction such as cash withdrawal or transfer (for example, see Patent Document 1).
Japanese Patent Laying-Open No. 2005-174019 (paragraphs “0031” to “0032”, FIG. 5)

However, in the conventional technology described above, there is a problem that when the user's account number is read from the cash card, the user cannot use the automatic transaction apparatus unless the user has the cash card.
In addition, when the account number of the user is read from the mobile phone, the automatic transaction apparatus can be used without having a cash card, but the automatic transaction apparatus can communicate with the mobile phone. There is a problem that a short-range wireless communication device that enables this must be installed.

  An object of the present invention is to solve such a problem, and enables an automatic transaction apparatus to be used even by a user who does not have a cash card without mounting a short-range wireless communication apparatus in the automatic transaction apparatus. For the purpose.

  Therefore, in the automatic transaction system according to the present invention, the host device authenticates the user based on the account identification information and personal identification information received from the automatic transaction device, and confirms that the user is the person and performs the transaction. In an automatic transaction system, account identification information for identifying a user's account and user identification information for identifying a user are stored in advance, and the automatic transaction apparatus is associated with the account identification information and the user identification information. A database for storing an ID for identifying a user who performs a transaction and an input of the user identification information by a user operation before performing a transaction with an automatic transaction apparatus, and the ID of the ID together with the user identification information A terminal device that transmits a notification requesting issuance, an ID generated based on the notification received from the terminal device, and user identification information that has received the ID. An ID issuing means for storing the ID in the database and transmitting the ID to the terminal device; and an automatic transaction apparatus for receiving the ID and password information issued by the ID issuing means and transmitting the ID and password information And a personal authentication means for searching the database based on the ID received from the automatic transaction apparatus and extracting the account identification information, and performing personal authentication based on the account identification information and the received personal identification information, The automatic transaction apparatus accepts the input of the ID and password information issued by the ID issuing means by the user's operation, and the personal authentication means authenticates the person with the ID and password information and conducts the transaction. And

  The service management server according to the present invention stores in advance account identification information for identifying a user's account and user identification information for identifying a user, and associates the account identification information with the user identification information. A database for storing IDs for identifying users who perform transactions with the automatic transaction apparatus, and issue IDs together with the user identification information input by the user's operation before performing transactions with the automatic transaction apparatus ID for receiving the request from the terminal device, generating an ID based on the notification, storing the generated ID in the database in association with the received user identification information, and transmitting the ID to the terminal device It has an issuing means.

  Moreover, the automatic transaction apparatus according to the present invention generates an ID based on the notification received from the terminal device in the automatic transaction apparatus that confirms the identity of the user and performs the transaction, and uses the ID as account identification information. The ID and password information issued by the ID issuing means that transmits the ID to the terminal device is received by the user operation unit, and the input ID and password information is transmitted to the personal authentication means. Then, the database is searched based on the ID received by the personal authentication means, and the account identification information is extracted, the personal authentication is performed based on the account identification information and the received personal identification information, and is received from the personal authentication means. It is characterized in that a transaction is performed after confirming the identity of the user as a result of the identity authentication.

  In the automatic transaction method according to the present invention, the host device authenticates the user based on the user's account identification information and personal identification information received from the automatic transaction device, and confirms the identity of the user and performs the transaction. In the automatic transaction method, before performing a transaction with the automatic transaction apparatus, a user identification information for identifying a user is received by a user operation, and a notification for requesting an ID is issued together with the user identification information. The terminal device transmits an ID based on the notification received from the terminal device, and stores the account identification information for identifying the user's account and the user identification information in a database that stores the account in advance. Storing the ID in association with identification information and user identification information, and transmitting the ID to the terminal device by the ID issuing means; The automatic transaction apparatus accepts the input of the ID and personal identification information issued by the ID issuing means, and the automatic transaction apparatus transmits the ID and personal identification information; and the ID received from the automatic transaction apparatus The database is searched to extract the account identification information, and the personal authentication means performs the personal authentication based on the account identification information and the received personal identification information, and the automatic transaction apparatus is operated by the user. The ID is issued by the ID issuing means, and the input of the personal identification information is received, and the personal authentication means authenticates the person with the ID and personal identification information and conducts the transaction.

  According to the present invention as described above, it is possible to authenticate a user who does not have a cash card so that the automatic transaction apparatus can be used.

  Hereinafter, embodiments of an automatic transaction system, a service management server, an automatic transaction apparatus, and an automatic transaction method according to the present invention will be described with reference to the drawings.

FIG. 1 is a block diagram showing the configuration of the automatic transaction system in the first 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 is communicably connected to a communication line 7 including wireless communication and wired communication, and an account number consisting of a branch number of an account opened by a user 8 at a financial institution or an account item (user's account is stored). (Account identification information for identification) with magnetic stripe or IC chip card (cash card) recorded and accepting user 8 input operations to conduct cash withdrawal, cash deposit transactions, transfer transactions, etc. Is.

The automatic transaction apparatus 1 includes a user operation display unit, a card reader unit, a deposit / withdrawal unit, a statement slip printing unit, a storage unit, a control unit, and the like, and accepts the operation of the user 8 to perform transactions such as cash withdrawal. Can be done.
The user operation display unit is composed of an operation unit such as a touch panel and a display unit such as a liquid crystal display. The user operation display unit arranges a touch panel on a display unit such as a CRT display or a liquid crystal display and performs an input operation performed by the user 8. Accepting, a transaction selection screen, a screen for guiding the input operation of the user 8 for the transaction selected by the user, input information, and the like are displayed.

The card reader unit is provided with a card reading / writing mechanism, and can read an account number or the like from a magnetic stripe or IC chip of a cash card inserted by the user 8 into the card insertion slot. Further, the cash card which has read the account number or the like can be discharged from the card discharge port and returned to the user 8.
The deposit / withdrawal unit is constituted by a banknote deposit / withdrawal machine and a coin deposit / withdrawal machine, and performs deposit / withdrawal processing of banknotes and coins associated with cash withdrawal / payment transactions. Here, the deposit processing means that the banknotes inserted by the user 8 into the banknote deposit / withdrawal slot are counted with a banknote deposit / withdrawal machine and stored in a safe, and the coins entered into the coin deposit / withdrawal slot are counted with a coin deposit / withdrawal machine. It is to be stored in a safe. With the withdrawal process, banknotes and coins corresponding to the amount specified by the operation of the user 8 are paid out from the banknote depositing / dispensing machine and the coin depositing / dispensing machine safe, respectively, and counted in the banknote depositing / dispensing slot and coin depositing / dispensing slot. It is conveyed and paid out to the user 8. In addition, the structure which is not equipped with a coin depositing and dispensing machine may be sufficient.

The statement slip printing unit is composed of a statement slip printing mechanism, a statement slip transport mechanism, and the like, and issues a statement slip that prints the contents of a transaction performed by accepting the operation of the user 8 to the user 8. It is.
The storage unit is configured by a semiconductor memory, a magnetic disk, or the like, and can store information and read the stored information. The storage unit stores a control program (software) for controlling the operation of the entire automatic transaction apparatus 1, screen data displayed on the user operation display unit, information necessary for transactions performed by the user, and the like.

  The control unit is composed of calculation and control means such as a CPU (Central Processing Unit), MPU (Micro Processing Unit), etc., and includes a user operation display unit, a card reader unit, a deposit / withdrawal unit, a statement slip printing unit Based on a control program (software) stored in the storage unit, the operation of the entire automatic transaction apparatus 1 including a communication unit (not shown) that communicates with other devices via the communication line 7 is stored. Control.

  A terminal device 2 is operated by a user 8 who uses the automatic transaction system. The terminal device 2 includes a display unit such as a liquid crystal display, an input unit such as an operation button and a keyboard, a communication unit that transmits and receives data via a communication line 7 including wireless communication and wired communication, and a memory that includes a semiconductor memory. Mobile phone, PHS (Personal Handyphone System), PDA (Personal Digital Assistant), or portable personal computer with a control unit that controls the whole based on a control program (software) stored in the storage unit It is a portable terminal such as a computer or a stationary personal computer.

The terminal device 2 stores software such as a WEB browser in a storage unit, and communicates with a WEB server (to be described later) via a communication line 7 so that a WEB screen can be displayed and predetermined information can be input.
Reference numeral 3 denotes a host computer as a host device, which is installed in a business center or the like of a financial institution such as a bank, and is a storage unit such as a control unit that is a calculation and control unit such as a CPU or MPU, a magnetic disk, a semiconductor memory And a communication unit, which is a communication means, are connected to other devices such as the automatic transaction apparatus 1 through the communication line 7 so as to communicate with each other.

  The host computer 3 searches a user database (not shown) based on the account number of the user 8 received from the automatic transaction apparatus 1 or the like as the personal authentication means, extracts a personal identification number as personal identification information, The personal identification number can be verified by comparing with the personal identification number received from the automatic transaction apparatus 1 or the like, that is, by comparing the account number and personal identification number.

In addition, the host computer 3 can open a new account by assigning a new account number to a user database (not shown) based on the user 8 account opening notification received from the terminal device 2 or the like. It is like that.
Further, the host computer 3 transmits / receives a transaction message such as cash withdrawal, cash deposit, and transfer to / from the automatic transaction apparatus 1 to determine whether or not to establish the user's transaction and to process the transaction. .

Reference numeral 4 denotes a WEB server, which is installed in a business center or the like of a financial institution such as a bank. The computer includes a communication unit and the like, and is connected to another device such as the terminal device 2 via the communication line 7 so as to be able to communicate with each other.
The WEB server 4 publishes a WEB site provided by a financial institution to the user 8 and mediates processing between a service management server described later and the terminal device 2 operated by the user 8.

  Reference numeral 5 denotes a service management server as an ID issuing means and a personal authentication means, which is installed in an office center of a financial institution such as a bank, and is a control unit such as a CPU or MPU, and a control unit, magnetic disk, semiconductor memory, etc. A computer that includes a storage unit that is a storage unit and a communication unit that is a communication unit, and is connected to other devices such as the terminal device 2 and the WEB server 4 via the communication line 7 so as to be able to communicate with each other. Is the same as the WEB server 4.

  As shown in FIG. 2, the service management server 5 includes record information such as a name, an account number (account identification information), an ID, an e-mail address (user identification information), and a password for personal authentication as shown in FIG. In addition, a database 6 is provided as a storage unit that stores each record information in association with each other, and a user who uses a service provided by the automatic transaction system can be registered.

  The account number stored in the database 6 is the same as the account number assigned when the host computer 3 opens an account, and is account identification information for identifying the user's account. Further, the ID is given by the service management server 5 in order to identify the user 8 who makes a transaction with the automatic transaction apparatus 1. Further, the e-mail address and the password as the user identification information for identifying the user 8 who uses the automatic transaction system are input by the user 8 at the terminal device 2 at the time of registration.

  Therefore, the service management server 5 stores and deletes (deletes) record information such as the name, account number, ID, e-mail address, and password of the user 8 in the database 6, thereby providing a service provided by the automatic transaction system. The user 8 who can use the user 8 can be registered and deleted, the ID of the registered user 8 can be issued, the issued ID can be notified to the terminal device 2 of the user 8, and the automatic transaction apparatus The ID of the user 8 is received from 1 and the automatic transaction apparatus 1 can be notified of whether or not the ID is registered in the database 6.

Furthermore, the service management server 5 receives the ID and password of the user 8 input in the automatic transaction apparatus 1 from the automatic transaction apparatus 1, and receives the received password and the password extracted from the database 6 based on the received ID. It is possible to authenticate the registered user 8 as to whether or not they match by matching.
Note that the ID issued to the user 8 is composed of, for example, 6 single-byte alphanumeric characters, and the upper 2 digits are assigned for each financial institution, assigned not for each user 8, and the same ID is assigned to the user 8. It is assumed that a safety condition is ensured by providing a constraint condition that it is not assigned continuously, so that it cannot be easily guessed by others.

  As described above, the automatic transaction system includes the automatic transaction apparatus 1, the terminal apparatus 2, the host computer 3, the WEB server 4, and the service management server 5 including the database 6 that are communicably connected via the communication line 7. A cardless service that enables the automatic transaction apparatus 1 to be used without using a cash card by performing identity authentication using an ID issued to the user 8 and a password as registered password information. It can be provided to the user 8.

In the present embodiment, the WEB server 4 and the service management server 5 are described as being configured as separate servers. However, the WEB server 4 and the service management server 5 may be configured as a single server.
In this embodiment, the password information is described as a password number, but it may be a biometric information such as a fingerprint, a finger vein pattern, a palm vein pattern, an iris, or a password.

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, an account opening process for newly opening an account of the user 8 will be described according to steps (S1 to S9) represented by S in the flowchart of the account opening process in the embodiment of FIG.

S1: When the WEB browser is activated by the operation of the user 8, the terminal device 2 establishes communication with the WEB server 4 and displays the screen of the WEB site provided by the financial institution on the display unit of the terminal device 2.
When the WEB site screen is displayed, the terminal device 2 accepts the operation of the user 8 for displaying the account opening application screen in the WEB site at the input unit, and requests display of the account opening application screen. Is sent to the WEB server 4.

S2: Upon receiving the notification, the WEB server 4 transmits a screen for applying for an account opening to the terminal device 2 to prepare for opening a new account.
S3: The terminal device 2 displays the account opening application screen 40 shown in FIG. 4 for applying for the received account opening on the display unit. This account opening application screen 40 shows account opening information such as the user's 8 name, address, age, password, cardless service registration, user 8's e-mail address, password, etc. as shown in FIG. This is a screen for input.

The terminal device 2 accepts input of account opening information of the user 8 according to the account opening application screen 40.
In addition, when it is assumed that the registration of the cardless service exists, it is assumed that the user's 8 e-mail address and password must be entered.
S4: The terminal device 2 that has received an input at the input unit according to the account opening application screen 40 transmits to the host computer 3 a request for opening an account together with the input account opening information.

  In the present embodiment, the account opening information is received by the terminal device 2 and a notification requesting the account opening is transmitted to the host computer 3. However, when the account opening information is input in S3, the financial institution Mail the application for opening an account to User 8, and User 8 fills in the necessary information such as a personal identification number in the mailed application, encloses the ID card, etc., and returns it to the financial institution. You may make it perform the procedure of account opening.

S5: The host computer 3 assigns and stores a new account number in a user database (not shown) based on the account opening information, and stores a password in association with the account number and stores the account of the new user 8 Open.
S6: The host computer 3 determines whether or not the cardless service is used, that is, whether or not the account opening information is registered for the cardless service. If there is a registration, the host computer 3 cardless together with the account number of the opened account and the account opening information. A notification to request service registration is transmitted to the service management server 5 and the process proceeds to S7. If there is no registration, a notification to the effect that account opening is completed is transmitted to the terminal device 2 and the process proceeds to S9. Transition.

S7: The service management server 5 that has received the notification of requesting registration of the cardless service together with the account number and the account opening information, based on the account opening information, the name of the user 8, the mail address of the user 8, and the password And the account number are stored in the database 6 and registered as a user who can receive the provision of the cardless service.
S8: When the user 8 is registered in the database 6, the service management server 5 transmits a notification to the effect that the account opening is completed to the terminal device 2 so that the cardless service can be used for the registered user 8 mail address. Send notification that it has become.

S9: The terminal device 2 that has received the notification that the account opening has been completed displays on the display unit that the account opening has been completed and completes the account opening procedure. Note that the user 8 who has registered to use the cardless service confirms an e-mail indicating that the cardless service can be used.
In this way, the automatic transaction system performs processing for opening the user 8 account.
Next, a process of issuing an ID as user identification information necessary for using the cardless service is represented by steps (S11 to S21) represented by S in the flowchart showing the ID issuing process in the embodiment of FIG. Therefore, it explains.

S11: When the WEB browser is activated by the operation of the user 8, the terminal device 2 establishes communication with the WEB server 4 and displays the screen of the WEB site provided by the financial institution on the display unit of the terminal device 2.
When the screen of the WEB site is displayed, the terminal device 2 accepts a login operation for inputting the email address and password of the user 8 in order to display the account opening application screen in the WEB site. A notification to request the display of the ID issuance screen is sent to the WEB server 4 together with the password.

S12: Upon receiving the notification, the WEB server 4 transmits to the service management server 5 a notification requesting the user 8 to authenticate the user 8 together with the received user 8 mail address and password.
S13: The service management server 5 searches the database 6 based on the received mail address of the user 8, extracts the password of the user 8, and collates the extracted password with the password received from the WEB server 4. , Authenticate the identity of whether or not they match.

As a result of the identity authentication, when the identity can be confirmed, that is, when the extracted password matches the password received from the WEB server 4, the service management server 5 can confirm that the user 8 is the identity. A notification to that effect is transmitted to the WEB server 4, and the process proceeds to S14.
On the other hand, if the identity cannot be confirmed, that is, if the extracted password and the password received from the WEB server 4 do not match, the service management server 5 sends a notification that the identity has not been confirmed. The message is transmitted to the WEB server 4, and the WEB server 4 displays on the terminal device 2 that the personal authentication has failed, and shifts the processing to S11.

S14: The WEB server 4 that has received the notification that the identity has been confirmed causes the ID issuing screen 41 shown in FIG. 6 to be displayed on the display unit of the terminal device 2. For example, as shown in FIG. 6, the ID issue screen 41 includes an ID issued to the current user 8 and an ID issue button 411 for issuing a new ID.
S15: When the terminal device 2 displaying the ID issuance screen 41 accepts the pressing of the ID issuance button 411 by the operation of the user 8, the terminal device 2 transmits a notification that the ID issuance button 411 is depressed to the WEB server 4.

S16: Upon receiving the notification that the ID issue button 411 has been pressed, the WEB server 4 transmits to the service management server 5 a request for issuing an ID together with the mail address of the user 8.
S17: The service management server 5 that has received the notification requesting the issuance of ID generates an ID to be issued to the user 8. The ID issued to the user 8 is composed of, for example, 6 single-byte alphanumeric characters as described above, and the upper 2 digits are assigned for each financial institution, assigned for each user 8 and not duplicated, the user 8 Suppose that the same ID is not continuously assigned to each other.

S18: The service management server 5 associates the generated ID with the mail address received from the WEB server 4 and stores and registers it in the ID record of the database 6.
S19: The service management server 5 notifies the registered ID to the WEB server 4.
S20: The WEB server 4 displays the received ID on the display unit of the terminal device 2.
S21: The terminal device 2 displays the issued ID and displays an ID issuance screen for notifying the user 8 on the display unit, and the user 8 confirms the issued ID and ends the ID issuance process. To do.

Next, transaction processing using the issued ID will be described according to steps (S31 to S45) represented by S in the flowchart of the transaction processing in the embodiment of FIG.
S31: When the automatic transaction apparatus 1 detects the approach of the user 8, it displays a transaction selection screen for selecting a transaction such as cash withdrawal on the user operation display unit.
S32: The user 8 presses a transaction selection button such as cash withdrawal on the displayed transaction selection screen, and the user operation display unit of the automatic transaction apparatus 1 detects that the transaction selection button is pressed.

  When detecting that the transaction selection button is pressed, the control unit of the automatic transaction apparatus 1 displays an authentication method selection screen 42 shown in FIG. 8 on the user operation display unit. As shown in FIG. 8, this authentication method selection screen 42 has a text such as “Please insert a card. If you use cardless service, please touch this button.” And “Transaction with ID” This is composed of an ID transaction selection button 421 for selecting use of a cardless service on which a word such as “” is displayed.

S33: If the card reader unit of the automatic transaction apparatus 1 detects that the cash card has been inserted into the card insertion slot without pressing the ID transaction selection button 421 on the authentication method selection screen 42, the process proceeds to S34. When the user operation display unit detects that the ID transaction selection button 421 is pressed on the authentication method selection screen 42, the process proceeds to S36.
S34: The card reader unit of the automatic transaction apparatus 1 pulls in the inserted cash card and reads the account number and the like recorded on the cash card.

  S35: When the account number or the like is read, the control unit of the automatic transaction apparatus 1 displays a password input screen for inputting the password on the user operation display unit, and prompts the user 8 to input the password. When the user 8 inputs the personal identification number based on the personal identification number input screen, the account number read from the cash card and the inputted personal identification number are transmitted to the host computer 3 to request personal authentication. Since the personal authentication performed by the host computer 3 is the same as the conventional personal authentication, its description is omitted.

When the result of the personal authentication is received from the host computer 3, the automatic transaction apparatus 1 moves the process to S41.
S36: On the other hand, when it is detected in S33 that the ID transaction selection button 421 has been pressed, the control unit of the automatic transaction apparatus 1 displays the ID input screen 43 shown in FIG. 9 on the user operation display unit. As shown in FIG. 9, the ID input screen 43 includes a text such as “Please input ID”, an area for displaying the input ID, an alphanumeric button for inputting the ID, and the input ID. A confirmation button for confirming the transaction, a transaction stop button for canceling the transaction, and the like.

The user 8 inputs an ID that has already been issued according to the ID input screen 43, and the user operation display unit of the automatic transaction apparatus 1 accepts the input of the ID.
S37: Upon receiving the input of the ID, the control unit of the automatic transaction apparatus 1 displays a password input screen for inputting the password on the user operation display unit, and accepts the input of the password by the user 8.

When receiving the input of the personal identification number, the control unit of the automatic transaction apparatus 1 transmits the input ID and personal identification number to the service management server 5.
S38: The service management server 5 searches the record of the ID in the database 6 based on the received ID, and confirms that the ID exists in the database 6, that is, is registered.

When the existence of the ID can be confirmed, the service management server 5 extracts the account number stored in association with the ID from the database 6, and the identity of the user 8 together with the account number and the personal identification number received from the automatic transaction apparatus 1. A notification requesting authentication is transmitted to the host computer 3.
On the other hand, if the existence of the ID cannot be confirmed, the service management server 5 transmits a notification that the ID is not registered to the automatic transaction apparatus 1 and displays that fact on the user operation display unit of the automatic transaction apparatus 1. The process proceeds to S31.

S39: The host computer 3 that has received the notification requesting the personal authentication searches a user database (not shown) based on the account number received from the service management server 5 to extract the password, and the password and the service management server. 5 is compared with the personal identification number received from No. 5, and identity authentication is performed to determine whether or not they match.
Thus, the service management server 5 and the host computer 3 function as personal authentication means based on the ID and password.

As a result, if the passwords do not match, a notification that the personal authentication has failed is transmitted to the automatic transaction apparatus 1, and the fact is displayed on the user operation display unit of the automatic transaction apparatus 1, and the process proceeds to S31. .
On the other hand, if the passwords match, a notification that the personal authentication has succeeded is transmitted to the service management server 5.

S40: The service management server 5 that has received the notification that the personal authentication was successful transmits the notification that the personal authentication was successful (account information notification) to the automatic transaction apparatus 1 together with the account number extracted from the database 6 in S38. To do.
S41: Next, the control unit of the automatic transaction apparatus 1 displays a transaction screen for proceeding with the transaction on the user operation display unit.

S42: The automatic transaction apparatus 1 communicates with the host computer 3 based on the information input by the operation of the user 8, the account number received from the service management server 5 or the account number read from the cash card. Process transactions such as cash withdrawals.
S43: Upon completion of transaction processing, the control unit of the automatic transaction apparatus 1 determines whether or not use of the cardless service is selected, and as a result, determines that use of the cardless service is selected. If it is determined that the use of the cardless service is not selected, the card reader unit returns the cash card to the user 8 and ends the transaction.

S44: When it is determined that the use of the cardless service is selected, the control unit of the automatic transaction apparatus 1 transmits to the service management server 5 a notification that the transaction is completed together with the ID of the user 8 input in S36. .
S45: The service management server 5 searches the database 6 based on the received ID, deletes the ID stored in association with the account number from the database 6, and notifies the fact that the transaction has ended. Is transmitted to the automatic transaction apparatus 1.

Therefore, the user 8 receives a new ID for each transaction and performs the transaction.
In this way, the ID used for each transaction is deleted from the database 6 and the user 8 receives a new ID issued for each transaction and conducts the transaction in order to reduce unauthorized use of the ID by a third party. It is.
The automatic transaction apparatus 1 that has received the notification that the ID has been deleted from the database 6 ends the transaction of the user 8, and the automatic transaction system ends the transaction of the user 8.

  Thus, in the automatic transaction system, the service management server 5 issues an ID for identifying the user 8 in association with the account number for specifying the account of the user 8, and the issued ID and password are issued. By accepting the input by the automatic transaction apparatus 1, the account of the user 8 can be specified based on the ID and the personal identification number, and the personal authentication of the user 8 can be performed. It becomes possible to perform a transaction with the automatic transaction apparatus 1 without using.

In addition, it is possible to conduct a transaction in the automatic transaction apparatus 1 that does not use a cash card without mounting a special device such as a short-range wireless communication apparatus in the automatic transaction apparatus 1.
As described above, in this embodiment, the service management server 5 issues an ID for identifying the user 8 in association with the account number for specifying the account of the user 8, and the issued ID And an automatic transaction apparatus that does not use a cash card without requiring a special device such as a short-range wireless communication apparatus to be installed in the automatic transaction apparatus 1 by accepting input of the personal identification number by the automatic transaction apparatus 1 The effect that it becomes possible to perform the transaction in 1 is acquired.

The block diagram which shows the structure of the automatic transaction system in an Example Explanatory drawing which shows the structure of the database in an Example The flowchart which shows the account opening process in an Example Explanatory diagram showing the account opening application screen in the embodiment The flowchart which shows ID issuing processing in an Example Explanatory drawing which shows ID issuing screen in an Example The flowchart which shows the transaction processing in an Example Explanatory drawing which shows the authentication method selection screen in an Example Explanatory drawing which shows ID input screen in an Example

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Automatic transaction apparatus 2 Terminal apparatus 3 Host computer 4 WEB server 5 Service management server 6 Database 7 Communication line 8 User

Claims (7)

In the automatic transaction system in which the host device authenticates the user based on the user's account identification information and personal identification information received from the automatic transaction device, confirms that the user is the person, and conducts the transaction,
A user who stores in advance account identification information for identifying a user's account and user identification information for identifying a user, and makes a transaction with an automatic transaction apparatus in association with the account identification information and the user identification information. A database for storing an ID for identifying
A terminal device that accepts input of the user identification information by a user's operation and transmits a notification requesting the issuance of an ID together with the user identification information before performing a transaction in the automatic transaction apparatus;
ID issuing means for generating an ID based on the notification received from the terminal device, storing the ID in the database in association with the received user identification information, and transmitting the ID to the terminal device;
An automatic transaction apparatus that accepts input of the ID and password information issued by the ID issuing means, and transmits the ID and password information;
Providing the personal authentication means for searching the database based on the ID received from the automatic transaction apparatus and extracting the account identification information, and performing personal authentication based on the account identification information and the received personal identification information;
The automatic transaction apparatus accepts the input of the ID and password information issued by the ID issuing means by the user's operation, and the personal authentication means authenticates the person with the ID and password information and conducts the transaction. Automatic transaction system featuring In the automatic transaction system of claim 1,
The ID issuing means deletes the ID used in the transaction from the database when the transaction performed by the automatic transaction apparatus is completed. A user who stores in advance account identification information for identifying a user's account and user identification information for identifying a user, and makes a transaction with an automatic transaction apparatus in association with the account identification information and the user identification information. A database for storing an ID for identifying
Before making a transaction with an automatic transaction apparatus, a notification requesting issuance of an ID together with the user identification information input by the user's operation is received from the terminal apparatus, and an ID is generated based on the notification. A service management server comprising ID issuing means for storing an ID in association with the received user identification information in the database and transmitting the ID to the terminal device. In the service management server of claim 3,
The ID and password information is received from the automatic transaction apparatus that has received the ID and password information issued by the ID issuing means, and the database is searched based on the ID to extract account identification information, and the account A service management server comprising identity authentication means for performing identity authentication based on identification information and received password information. In an automatic transaction device that confirms the identity of the user and conducts transactions,
Based on the notification received from the terminal device, an ID is generated, the ID is associated with the account identification information, stored in the database, and the ID issued by the ID issuing means for transmitting the ID to the terminal device and the input of the password information Is received by the user operation unit, the input ID and personal identification information are transmitted to the personal authentication means, the database is searched based on the ID received by the personal authentication means, and the account identification information is extracted. An automatic transaction characterized in that personal authentication is performed based on the information and the received personal identification information, and the transaction is performed by confirming the identity of the user based on the result of the personal authentication received from the personal authentication means. apparatus. In the automatic transaction method in which the host device authenticates the user based on the user's account identification information and personal identification information received from the automatic transaction device, confirms that the user is the person, and conducts the transaction.
Before performing a transaction with the automatic transaction apparatus, the terminal apparatus receives an input of user identification information for identifying the user by an operation of the user and requests to issue an ID together with the user identification information. Steps,
An ID is generated based on the notification received from the terminal device, and the account identification information for identifying the user's account and the database for preliminarily storing the user identification information are stored in the account identification information and the user identification information. Storing the ID in association and transmitting the ID to the terminal device by the ID issuing means;
When the automatic transaction apparatus performs a transaction, the automatic transaction apparatus accepts the input of the ID and password information issued by the ID issuing means, and the automatic transaction apparatus transmits the ID and password information;
Providing the step of searching the database based on the ID received from the automatic transaction apparatus to extract the account identification information, and authenticating the personal authentication means based on the account identification information and the received personal identification information;
The automatic transaction apparatus accepts the input of ID and personal identification information issued by the ID issuing means by the user's operation, and the personal authentication means authenticates the person with the ID and personal identification information and conducts the transaction. A feature of automated trading. In the automatic transaction method of Claim 6,
An automatic transaction method comprising the step of erasing the ID used in the transaction from the database when the transaction performed in the automatic transaction apparatus is completed.

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