JP2013182351A - Automatic transaction device, simple card issuing method for automatic transaction device and use inhibition method for simple card - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an automatic transaction device for accepting the application of reissue of a card, and for issuing a simple card.SOLUTION: An automatic transaction device 10 which communicates with a host computer 100 to perform account transaction includes: card collection means 140 for collecting a card in the automatic transaction device 10; authentication information acquisition means 110 for acquiring authentication information for authenticating the user of a card to be collected by the card collection means 140; transmission/reception means 130 for transmitting the request of reissue of the card including the authentication information acquired by the authentication information acquisition means 110 to the host computer 100, and for receiving a response to the request of the reissue of the card; and simple card issue means 150 for, when the transmission/reception means 130 receives a permission response of simple card issue from the host computer 100 in response to the request of the reissue of the card, issuing a simple card for performing account transaction relating to an account corresponding to the card to be collected by the card collection means 140.

Description

  The present invention relates to an automatic transaction apparatus that handles cards for financial institutions such as ATM (Automatic Teller Machine), a simple card issuing method of the automatic transaction apparatus, and a method of prohibiting the use of a simple card.

  In ATMs such as financial institutions, bank accounts and cards can be used for account transactions, but the card must be reissued due to the expiration of the expiration date or abnormal magnetic stripe (hereinafter referred to as MS). Sometimes.

  Currently, in order to reissue a card, it is necessary to present a notification stamp and other necessary documents and the card to the sales office and apply for the card reissue. For this reason, the user must go to the sales office window during business hours, and the sales office also applies for card reissuance at the counter and the card reissue window process is completed normally. You have to wait in the store. As described above, the current card reissuance procedure places great restrictions on the location and time for the user, and places an excessive burden on the user.

  On the other hand, Patent Literature 1 and Patent Literature 2 disclose a technique for applying for a card reissue from a user terminal such as a personal computer or a mobile phone through a network such as the Internet. According to the technology disclosed in Patent Document 1 and Patent Document 2, it is not necessary to visit a sales office for reissuing a card, and the application for reissuing a card is not limited to the business hours of the sales office window. It can be performed.

JP 2002-073979 A JP 2004-318666 A

  By the way, when the application for reissuance of a card is performed from the user's terminal by the techniques disclosed in Patent Document 1 and Patent Document 2, the reissued card is delivered to the user by mail. For this reason, it takes a certain amount of time from the application for reissuance of the card until the card reaches the user, resulting in a period during which the user cannot perform account transactions using the card. .

In the above description, an ATM card has been described as an example. However, the above-described problems associated with reissuance of a card are not limited to ATM cards, and can be caused by reissuance of an arbitrary card.
In light of the above circumstances, an object of the present invention is to provide a technology for an automatic transaction apparatus that accepts a card reissue application and issues a simple card.

  One aspect of the present invention is an automatic transaction apparatus that performs an account transaction by communicating with a host computer, a card collection means for collecting a card in the automatic transaction apparatus, and use of a card collected by the card collection means Authentication information acquisition means for acquiring authentication information for authenticating the user, and a request for reissuing the card including the authentication information acquired by the authentication information acquisition means to the host computer, A transmission / reception means for receiving a response to the request; and when the transmission / reception means receives a simple card issuance permission response from the host computer for the card reissue request, the card collection means collects the card A simple card issuing means for issuing a simple card for performing an account transaction related to a corresponding account, and an automatic transaction apparatus including To provide.

  Another aspect of the present invention is a simple card issuing method for an automatic transaction apparatus that performs an account transaction by communicating with a host computer, a card collection step for collecting a card in the automatic transaction apparatus, and the card collection step. An authentication information acquisition step for acquiring authentication information for authenticating a user of the card collected in step, and a request for reissuing the card including the authentication information acquired in the authentication information acquisition step to the host computer A transmission / reception step for transmitting and receiving a response to a request for reissuing the card; and a simple card issuance permission response from the host computer for the card reissue request in the transmission / reception step. A simple card for account transactions related to the account corresponding to the card collected in the collection step It provides a simple card issuing method for an automatic teller machine comprising a simple card issuing step of rows, the.

  ADVANTAGE OF THE INVENTION According to this invention, the technique of the automatic transaction apparatus which issues the simple card while accepting the application of the reissue of a card | curd can be provided.

It is an external view of the automatic transaction apparatus which concerns on one Embodiment of this invention. It is a block diagram of the automatic transaction apparatus shown by FIG. It is a functional block diagram of the automatic transaction apparatus shown by FIG. It is a flowchart of the card reissue transaction performed with the automatic transaction apparatus shown by FIG. It is a flowchart of the card reissue transaction performed with the automatic transaction apparatus shown by FIG. It is a flowchart of the card reissue transaction performed with the automatic transaction apparatus shown by FIG. It is a flowchart of the card reissue transaction performed with the automatic transaction apparatus shown by FIG. It is the figure which illustrated the transaction classification selection screen displayed on the automatic transaction apparatus shown by FIG. It is the figure which illustrated the card stamp branch number input screen displayed on the automatic transaction apparatus shown by FIG. It is the figure which illustrated the card stamp branch number re-input screen displayed on the automatic transaction apparatus shown by FIG. It is the figure which illustrated the card stamp account number input screen displayed on the automatic transaction apparatus shown by FIG. It is the figure which illustrated the card stamp account number re-input screen displayed on the automatic transaction apparatus shown by FIG. It is the figure which illustrated the card stamp name input screen displayed on the automatic transaction apparatus shown by FIG. It is the figure which illustrated the reissue source card insertion screen displayed on the automatic transaction apparatus shown by FIG. It is the figure which illustrated the PIN code input screen displayed on the automatic transaction apparatus shown by FIG. It is the figure which illustrated the PIN code re-input screen displayed on the automatic transaction apparatus shown by FIG. It is the figure which illustrated the input content confirmation screen displayed on the automatic transaction apparatus shown by FIG. It is the figure which illustrated the host communication screen displayed on the automatic transaction apparatus shown by FIG. It is the figure which illustrated the simple card issue screen displayed on the automatic transaction apparatus shown by FIG. It is the figure which illustrated the medium return screen displayed on the automatic transaction apparatus shown by FIG. It is the figure which illustrated the thank you screen displayed on the automatic transaction apparatus shown by FIG. It is the figure which illustrated the reissue procedure completed return screen displayed on the automatic transaction apparatus shown by FIG. It is the figure which illustrated the transaction NG medium return screen displayed on the automatic transaction apparatus shown by FIG. It is the figure which illustrated the structure of the data memorize | stored in the magnetic stripe of the card | curd used with the automatic transaction apparatus shown by FIG. It is the figure which illustrated the structure of the message | telegram of the card reissue request | requirement transmitted to the host computer from the automatic transaction apparatus shown by FIG. It is the figure which illustrated the structure of the message | telegram of the simple card issue permission response transmitted to the automatic transaction apparatus shown by FIG. 1 from a host computer. It is a flowchart of the card reissue transaction performed with a host computer. It is a flowchart of the card reissue transaction performed with a host computer. It is the figure which illustrated the composition of the account record memorized by the database of the host computer. It is the figure which illustrated the structure of the message | telegram of the card reissue request notification transmitted to a window terminal from a host computer. It is a figure for demonstrating the exchange of the data between apparatuses in a card reissue transaction. It is a flowchart of the payment transaction performed with the automatic transaction apparatus shown by FIG. It is a flowchart of the payment transaction performed with the automatic transaction apparatus shown by FIG. It is a flowchart of the payment transaction performed with the automatic transaction apparatus shown by FIG. It is the figure which illustrated the transaction classification selection screen displayed on the automatic transaction apparatus shown by FIG. It is the figure which illustrated the card insertion screen displayed on the automatic transaction apparatus shown by FIG. It is the figure which illustrated the PIN code input screen displayed on the automatic transaction apparatus shown by FIG. It is the figure which illustrated the PIN code re-input screen displayed on the automatic transaction apparatus shown by FIG. It is the figure which illustrated the amount input screen displayed on the automatic transaction apparatus shown by FIG. It is the figure which illustrated the amount re-input screen displayed on the automatic transaction apparatus shown by FIG. It is the figure which illustrated the amount confirmation screen displayed on the automatic transaction apparatus shown by FIG. It is the figure which illustrated the host communication screen displayed on the automatic transaction apparatus shown by FIG. It is the figure which illustrated the medium return screen displayed on the automatic transaction apparatus shown by FIG. It is the figure which illustrated the thank you screen displayed on the automatic transaction apparatus shown by FIG. It is the figure which illustrated the card NG medium return screen displayed on the automatic transaction apparatus shown by FIG. It is the figure which illustrated the transaction NG medium return screen displayed on the automatic transaction apparatus shown by FIG. It is the figure which illustrated the simple card unusable return screen displayed on the automatic transaction apparatus shown by FIG. It is the figure which illustrated the structure of the payment transaction request message | telegram transmitted to the host computer from the automatic transaction apparatus shown by FIG. It is a flowchart of the payment transaction performed with a host computer. It is a flowchart of the payment transaction performed with a host computer.

  FIG. 1 is an external view of an automatic transaction apparatus according to an embodiment of the present invention. The automatic transaction apparatus 10 illustrated in FIG. 1 is an automatic transaction apparatus that performs an account transaction by communicating with a host computer, and is an automatic transaction apparatus that accepts an application for reissuing a card and issues a simple card. In the exterior, a card doorway 11, a bankbook doorway 12, a banknote doorway 13, a coin doorway 14, and a customer operation unit 15 are provided.

  The application for reissuance of the card accepted by the automatic transaction apparatus 10 is notified to the counter terminal of the sales office through the host computer. Thereafter, at the branch office, the card issuance procedure is performed, and the reissued card is mailed to the applicant. The simple card issued by the automatic transaction apparatus 10 is a card issued by the user (that is, the applicant for card reissue) until the reissued card arrives under the applicant after the card issuance request. Is to ensure the use of

FIG. 2 is a block diagram of the automatic transaction apparatus shown in FIG. The configuration of the automatic transaction apparatus 10 will be described with reference to FIG.
As illustrated in FIG. 2, the automatic transaction apparatus 10 includes a control unit 20, a power supply unit 30 that supplies power to each unit of the automatic transaction apparatus 10 via the control unit 20, a customer operation unit 40, and a management operation. Unit 50, card reader / writer / image printer (hereinafter referred to as CIP) 60, bankbook printer (hereinafter referred to as PPR) 70, bill recycling unit (hereinafter referred to as BRU) 80, and coins. A recycling unit (hereinafter referred to as CRU) 90 and an external connection unit 95 having an external camera 96 that captures the state of the customer at the time of transaction are provided. Furthermore, the automatic transaction apparatus 10 is connected to the host computer 100 and the monitoring apparatus 101 via a network.

  Here, the customer operation unit 40 in FIG. 2 corresponds to the customer operation unit 15 in FIG. Moreover, CIP60, PPR70, and BRU80 in FIG. 2 are related to the card entrance 11, the passbook entrance 12, and the banknote entrance 13 in FIG.

  The control unit 20 has a function of controlling the operation of each unit of the automatic transaction apparatus 10, and controls the exchange of data between the LAN control unit 21 that controls the exchange of data with the host computer 100 and the monitoring apparatus 101. A line control unit 22 for controlling, a main control unit 23 for controlling the operation of each part of the automatic transaction apparatus 10 by executing a control program, and an auxiliary storage for storing the control program and other data necessary for the operation of the automatic transaction apparatus 10 Part 24. Here, the main control unit 23 is, for example, a CPU, and the auxiliary storage unit 24 is, for example, a hard disk device or a DVD-R.

  2 illustrates the configuration of the automatic transaction apparatus 10 when the automatic transaction apparatus 10 and the host computer 100 are connected via a LAN (local area network), the automatic transaction apparatus 10 and the host are illustrated. The computer 100 may be connected via the Internet or a WAN (wide area network). In this case, a WAN control unit, an Internet control unit, or the like is used instead of the LAN control unit 21.

  The customer operation unit 40 functions as an interface with the customer, and overlays the state display unit 41 that displays the state of the automatic transaction apparatus 10, the color LCD 42 that provides a transaction screen to the customer, and the color LCD 42. A touch panel 43 that accepts an operation of the arranged customer, a voice guidance 44, a customer sensor 45 that detects the presence of the customer, and a voice guidance 46 are provided. The voice guidance 44 and the voice guidance 46 have a function of guiding a transaction method by the automatic transaction apparatus 10 to a customer using voice.

  The management operation unit 50 is used for management operation of the automatic transaction apparatus 10, and includes a color LCD 51 that provides a management screen to the administrator of the automatic transaction apparatus 10, and an administrator arranged on the color LCD 51. A touch panel 52 that receives an operation and a function key 53 to which a specific management function is assigned are provided.

  The CIP 60 has a function of handling a card used for a transaction and a receipt on which a transaction result is printed. The CIP 60 reads a card reader / writer unit 61 that reads / writes from / to the MS of the card and an embossed card surface. A card emboss reading unit 62; a printer unit 63 that prints transaction results and transaction contents on receipts and journals; an automatic replenishment unit 64 that stores spare receipts and replenishes receipts to the printer unit 63 as necessary; and a simple card And a card collection unit 66 that collects and stores a card that is a simple card issuer issued by the simple card issue unit 65.

  The PPR 70 has a function of handling a passbook used for transactions, a passbook magnetic stripe reader / writer unit 71 that reads / writes from / to the passbook MS, a passbook printer unit 72 that prints transaction results and transaction contents on the passbook, A passbook issuing unit 73 that issues a passbook.

  The BRU 80 has a function of handling banknotes used for transactions. A fixed stacker 82 that stores banknotes to be deposited and withdrawn, a banknote cassette 81 that stores banknotes to be replenished to the fixed stacker, and a customer forgot to remove it. It includes a forgetting box 83 for storing banknotes, and an operation RJ (reject) box 84 for storing banknotes that have become defective in payment transactions or banknote replenishment.

  The CRU 90 has a function of handling coins used for transactions, a fixed stacker 92 storing coins to be deposited and withdrawn, a coin cassette 91 storing coins for replenishing the fixed stacker, and a customer forgot to take It includes a forgetting box 93 for storing coins, and an operation RJ (reject) box 94 for storing coins that have become defective in payment transactions or coin replenishment.

FIG. 3 is a functional block diagram of the automatic transaction apparatus shown in FIG. With reference to FIG. 3, functions of the automatic transaction apparatus 10, particularly functions related to card reissue, will be described.
As illustrated in FIG. 3, the automatic transaction apparatus 10 includes an authentication information acquisition unit 110 that acquires authentication information, a message generation unit 120 that generates a message, and a transmission / reception unit that transmits and receives a message between the host computer 100. 130, a card collecting means 140 for collecting a card, and a simple card issuing means 150 for issuing a simple card.

  3 is realized by the touch panel 43, the card reader / writer unit 61, and the card emboss reading unit 62 in FIG. 2, for example. In addition, the message generation unit 120, the transmission / reception unit 130, the card collection unit 140, and the simple card issue unit 150 in FIG. 3 are respectively the main control unit 23 (control unit 20) and the LAN control unit 21 (control unit) in FIG. 20), which is realized by the card collecting unit 66 and the simple card issuing unit 65.

  When a user makes an application for reissuance of a card with the automatic transaction apparatus 10, the authentication information acquisition means 110 is input from the user, or from the user input and the card inserted into the automatic transaction apparatus 10, The authentication information for authenticating the card user collected by the card collection means 140 is acquired, and the message generation means 120 generates a card reissue request message including the authentication information acquired by the authentication information acquisition means 110. The transmission / reception unit 130 transmits a card reissue request message generated by the message generation unit 120 to the host computer 100. When the transmission / reception means 130 receives a simple card issue permission response message from the host computer 100 as a response to the card reissue request message, the card collection means 140 inserts the card inserted into the automatic transaction apparatus 10 into the automatic transaction apparatus 10. Collected and issued a simple card for performing an account transaction related to the account corresponding to the card collected by the simple card issuing means 150.

  As described above, the automatic transaction apparatus 10 has a function of receiving a request for reissuing a card and transmitting it to the host computer 100 and issuing a simple card.

  4A to 4D are flowcharts of a card reissue transaction performed by the automatic transaction apparatus shown in FIG. 5A to 5Q are diagrams illustrating various screens displayed on the automatic transaction apparatus shown in FIG. FIG. 6 is a diagram illustrating the configuration of data stored in the MS of the card used in the automatic transaction apparatus shown in FIG. FIG. 7A is a diagram illustrating a configuration of a telegram of a card reissue request transmitted from the automatic transaction apparatus shown in FIG. 1 to the host computer. FIG. 7B is a diagram exemplifying a configuration of a message of a simple card issue permission response transmitted from the host computer to the automatic transaction apparatus shown in FIG. With reference to FIG. 4A to FIG. 7B, the card reissue transaction process performed by the automatic transaction apparatus 10, that is, the process of accepting a card reissue application and issuing a simple card will be described in detail.

  First, when the customer sensor 45 detects the presence of a user, the control unit 20 displays a transaction type selection screen illustrated in FIG. 5A on the color LCD 42 (step S1). Thereafter, the touch panel 43 monitors the user pressing the transaction key (step S2). When the transaction key is pressed, the control unit 20 determines whether or not the pressed transaction key is a card reissue key (step S2). S3).

  When determining that the pressed transaction key is a key other than the card reissue key, the control unit 20 executes a transaction process corresponding to the pressed transaction key (step S4). On the other hand, if it is determined that the pressed transaction key is a card reissue key, a card stamp branch number input screen illustrated in FIG. 5B is displayed on the color LCD 42 (step S5), and the user is given a card. Prompt to enter the stamped branch number. Thereafter, the touch panel 43 monitors the pressing of the confirmation key and the correction key by the user (steps S6 and S7). The confirmation key and the correction key are validated and can be pressed in a state where the branch number is entered with one or more digits.

  When the correction key is pressed, the control unit 20 clears the input data input on the card stamp branch number input screen (step S9), and further displays the card stamp branch number re-input screen illustrated in FIG. Displayed on the LCD 42 (step S10), the user is prompted again to input the branch number stamped on the card. On the other hand, when the confirmation key is pressed, the control unit 20 displays the card stamp account number input screen illustrated in FIG. 5D on the color LCD 42 (step S11), and the account number stamped on the card by the user. Prompt for Thereafter, the touch panel 43 monitors the pressing of the confirmation key and the correction key by the user (steps S12 and S13). The confirmation key and the correction key are validated and can be pressed in a state where the account number is input with one or more digits.

  When the correction key is pressed, the control unit 20 clears the input data input on the card stamp account number input screen (step S14), and further displays the card stamp account number re-input screen illustrated in FIG. The information is displayed on the LCD 42 (step S15), and the user is prompted again to input the account number stamped on the card. On the other hand, when the confirmation key is pressed, the control unit 20 displays a card stamp name input screen illustrated in FIG. 5F on the color LCD 42 (step S16), and the user inputs the name stamped on the card. Prompt. Thereafter, the touch panel 43 monitors the pressing of the confirmation key and the correction key by the user (steps S17 and S18). The confirmation key and the correction key are validated and can be pressed when one or more characters are entered.

  When the correction key is pressed, the control unit 20 clears the input data input on the card stamp name input screen (step S19), and causes the color LCD 42 to display the card stamp name input screen illustrated in FIG. 5F again. (Step S16). On the other hand, when the confirmation key is pressed, the control unit 20 displays the reissue source card insertion screen illustrated in FIG. 5G on the color LCD 42 (step S20), that is, the card that the user wishes to reissue, Then, the user is prompted to insert the reissue source card into the card entrance 11. Thereafter, the CIP 60 monitors card insertion into the card entrance 11 (step S21).

  When a card is inserted into the card entrance / exit 11, the controller 20 inputs the entered card stamp branch number, card stamp account number, card stamp name, branch number, account number, and name stamped or stored on the card. Are compared to verify the input information (step S22). Here, the branch number, the account number, and the name stamped or stored on the card are acquired using the card reader / writer unit 61 and the card emboss reading unit 62. As a result of the verification, when it is determined that the input information is not correct, for example, the processing may be stopped and the card may be returned, or the user may be requested to input again.

  If it is determined that the input information is correct, the control unit 20 displays a password input screen illustrated in FIG. 5H on the color LCD 42 (step S23), and prompts the user to input the password. Thereafter, the touch panel 43 monitors the input of the 4-digit password and the pressing of the correction key by the user (steps S24 and S25). The correction key is validated and can be pressed in a state where the password is entered with one or more digits.

  When the correction key is pressed, the control unit 20 clears the input data input on the password input screen (step S26), and displays the password re-input screen illustrated in FIG. 5I on the color LCD 42 ( Step S27), prompting the user again to enter a password. On the other hand, when the password number of 4 digits is input, the control unit 20 displays an input content confirmation screen illustrated in FIG. 5J on the color LCD 42 (step S28), and prompts the user to confirm the input content.

  When the touch panel 43 detects that the user presses the confirmation key, the control unit 20 generates a card reissue request message (step S29). More specifically, the control unit 20 causes the card reader / writer unit 61 to acquire information (hereinafter referred to as MS information) having the configuration illustrated in FIG. 6 stored in the magnetic stripe of the inserted card. Then, a card reissue request message having the configuration illustrated in FIG. 7A is generated from the acquired MS information and the branch number, account number, name, and personal identification number which are authentication information input by the user. .

  As illustrated in FIG. 7A, the card reissue request message includes a message type field 301 including a message type indicating a card reissue request, and the contents of the MS information acquired by the card reader / writer unit 61. Inserted card MS information field 302 included, first input information field 303 containing the PIN entered by the user, and second input information containing the branch number and account number entered by the user. It includes a field 304 and a third input information field 305 containing the name entered by the user. That is, the card reissue request message includes the acquired MS information and the authentication information input by the user.

  The configuration of the information stored in the MS of the card used in the automatic transaction apparatus 10 includes a simple card information field 203 indicating whether or not the card is a simple card, as illustrated in FIG. The point provided in 202 is different from the conventional one. When “0” is stored in the simple card information field 203, the card is a normal card that is not a simple card. When other than “0” is stored, the card is a simple card. is there. In addition, it is the same as that of the past about having the account information field 201 in which the account information of the account corresponding to the card is stored.

  When the card reissue request message is generated, the control unit 20 transmits the generated message to the host computer 100 and displays the host communication screen illustrated in FIG. 5K on the color LCD 42 (step S30). The reception of the response message from the host computer 100 is monitored (step S31).

  When receiving the response message from the host computer 100, the control unit 20 checks the message type field of the response message, and determines whether the response message is a simple card issue permission response message (step S32).

  Note that the message of the simple card issue permission response includes a message type field 401 including a message type indicating a simple card issue permission response and a card format information field 402, as illustrated in FIG. 7B. . A simple card information field 405 indicating that a card permitted to be issued to the automatic transaction apparatus 10 is a simple card is a spare field in the card format information field 402 of the message of the simple card issue permission response transmitted to the automatic transaction apparatus 10. It differs from the conventional card format information field 402 in that it is provided in 404. The point that the account information field 403 is provided in the card format information field 402 is the same as in the prior art.

  When the control unit 20 determines that the received response message is a simple card issue permission response message, the control unit 20 displays the simple card issue screen illustrated in FIG. 5L on the color LCD 42 (step S33), and collects the card. The card inserted in the unit 66 is collected in the automatic transaction apparatus 10 (step S34). Further, the control unit 20 causes the simple card issuing unit 65 to issue a simple card (step S35).

  More specifically, the simple card issuing unit 65 feeds the simple card to the card reader / writer unit 61, and the card format of the message of the simple card issue permission response illustrated in FIG. 7B is sent to the card reader / writer unit 61. Based on the information in the information field 402, the MS information of the simple card is updated. Accordingly, the simple card information field 203 of the magnetic stripe illustrated in FIG. 6 is set to the value of the simple card information field 405 of the message of the simple card issue permission response illustrated in FIG. 7B, that is, “0” indicating the simple card. It is updated in addition to "". Further, the simple card issuing unit 65 feeds the simple card to the printer unit 63 and causes the printer unit 63 to print the branch number, account number, and name entered by the user on the surface of the simple card.

  When the above processing by the simple card issuing unit 65 is completed, the control unit 20 displays the medium return screen illustrated in FIG. 5M on the color LCD 42 (step S36) and returns to the card entrance 11 to return to the user. A simple card is conveyed (step S37). Thereafter, the CIP 60 monitors the removal of the simple card from the card entrance 11 (step S38).

  When the CIP 60 detects the removal of the simple card by the user, the control unit 20 displays a thank-you screen illustrated in FIG. 5N on the color LCD 42 (step S39), and returns the control to step S1.

  On the other hand, if the control unit 20 determines that the received response message is not a simple card issue permission response message, that is, a rejection response message, the control unit 20 further determines the card reissue procedure from the contents of the rejection response message. It is determined whether it has been completed (step S40).

  When it is determined that the card reissue procedure has been completed, this is the case, for example, when the card itself inserted by the automatic transaction apparatus 10 is a simple card. The issuance procedure completed return screen is displayed on the color LCD 42 (step S41), and the card inserted into the card entrance 11 is returned for return to the user (step S43). Thereafter, the CIP 60 monitors the removal of the inserted card from the card slot 11 (step S44).

Also, if it is determined that the card reissue procedure has not been completed, for example, if the inserted card is a card that is prohibited from trading, if there is no corresponding account, or if the PIN is incorrect However, the control unit 20 displays the transaction NG medium return screen illustrated in FIG. 5Q on the color LCD 42 (step S42), and the card inserted into the card entrance 11 to be returned to the user. Transport (step S43). Thereafter, the CIP 60 monitors the removal of the inserted card from the card slot 11 (step S44).
When the CIP 60 detects the removal of the inserted card by the user, the control unit 20 returns the control to step S1.

  8A and 8B are flowcharts of a card reissue transaction performed at the host computer. FIG. 9 is a diagram illustrating the configuration of account records stored in the database of the host computer. FIG. 10 is a diagram exemplifying a configuration of a message of a card reissue request notification transmitted from the host computer to the counter terminal in the store. With reference to FIGS. 8A to 10, the card reissue transaction process performed by the host computer 100 will be described in detail.

  First, when receiving the transaction request message (step S101), the host computer 100 monitoring the reception of the transaction request message determines whether the received transaction request message is a card reissue request message (step S101). Step S102).

  If the host computer 100 determines that the received transaction request message is not a card reissue request message, the host computer 100 executes transaction processing corresponding to the received transaction request message (step S103). On the other hand, if it is determined that the received transaction request message is a card reissue request message, the branch number included in the second input information field 304 of the card reissue request message illustrated in FIG. The database of the host computer 100 is searched using the account number as a key (step S104), and the presence / absence of the corresponding account record is determined (step S105).

  Note that the account record in the database of the host computer 100 is specified by the branch number in the branch number field 501 and the account number in the account number field 502, as illustrated in FIG. 9, and the personal identification number field 503, the address field 504, A name field 505, a balance field 506, and a simple card information field 507 are included. In the simple card information field 507, when “0” is stored, the simple card is not issued in the account, or the normal card is used after the simple card is issued and the simple card is used. Indicates that the simple card has been issued, and when a value other than “0” is stored, the simple card has been issued and use of the simple card is permitted.

  If it is determined that the corresponding record does not exist, the host computer 100 transmits a transaction rejection response to the automatic transaction apparatus 10 assuming that the corresponding account data does not exist (step S106), and returns control to step S101. Resume monitoring of receipt of transaction request message. On the other hand, if it is determined that the corresponding record exists, the host computer 100 determines the personal identification number included in the first input information field 303 of the card reissue request message illustrated in FIG. 7A and the personal identification number of the relevant record. The personal identification number stored in the field 503 is compared (step S107), and it is determined whether the personal identification number matches (step S108).

  If it is determined that the personal identification numbers do not match, the host computer 100 transmits a transaction rejection response to the automatic transaction apparatus 10 because of the personal identification number mismatch (step S109), returns control to step S101, and receives a transaction request. Restart monitoring the reception of the message. On the other hand, if it is determined that the passwords match, the host computer 100 sends the name included in the third input information field 305 of the card reissue request message illustrated in FIG. 7A and the name field 505 of the corresponding record. Is compared with the name stored in (step S110), and it is determined whether or not the names match (step S111).

  If it is determined that the names do not match, the host computer 100 sends a transaction rejection response to the automatic transaction apparatus 10 because of the name mismatch (step S112), returns control to step S101, and sends a transaction request message. Resume monitoring of reception. If it is determined that the names match, the host computer 100 determines whether or not the value stored in the simple card information field 507 of the corresponding record is other than “0” (step S114).

  If it is determined that the value stored in the simple card information field 507 is other than “0”, the host computer 100 sends a transaction rejection response to the automatic transaction apparatus 10 because the simple card has already been issued. (Step S115), the control is returned to step S101, and the monitoring of the reception of the transaction request message is resumed. On the other hand, when the host computer 100 determines that the value stored in the simple card information field 507 is “0”, the host computer 100 sets the value of the simple card information field 507 of the corresponding record to a value other than “0”. The message is updated to “1” (step S116), and the message of the simple card permission response illustrated in FIG. 7B is inserted into the information on the account record of the host computer or the inserted card MS information field 302 of the received card reissue request message. (Step S117), and the generated message is transmitted to the automatic transaction apparatus 10 (step S118).

  Thereafter, the host computer 100 generates a card reissue request notification message having the configuration illustrated in FIG. 10 in order to notify the sales office of the card reissue request from the automatic transaction apparatus 10 (step S119). ), The generated message is transmitted to the counter terminal of the sales office (step S120), and then the control is returned to step S101 to resume monitoring the reception of the transaction request message.

  The card reissue request notification message is acquired by the message type field 601 including the message type indicating the card reissue request notification and the card reader / writer unit 61 of the automatic transaction apparatus 10 as illustrated in FIG. The inserted card MS information field 602 containing the contents of the MS information, the first input information field 603 containing the password entered by the user at the automatic transaction apparatus 10, and the user at the automatic transaction apparatus 10 A second input information field 604 containing the entered branch number and account number, and a third input information field 605 containing the name entered by the user in the automatic transaction apparatus 10 are included. That is, the card reissue request notification message transmitted from the host computer 100 to the window terminal includes the message of the card reissue request transmitted from the automatic transaction apparatus 10 to the host computer 100, and the message type included in the message type field 601. Except for the same thing.

  When a card reissue request notification message is received at the counter terminal, at the sales office, the staff in charge of the counter or the counter terminal searches the database based on the information of the card reissue request notification message and is notified. After confirming that there is a record that matches the branch number, account number, personal identification number, and name, reissue the card.

  As described above, the automatic transaction apparatus 10 accepts the card reissue application, and as shown in FIG. 11, the card reissue request message and its response between the automatic transaction apparatus 10 and the host computer 100. A simple card issue permission response message is exchanged, and a card reissue request notification message is sent from the host computer 100 to the window terminal. The automatic transaction apparatus 10 that has received the application for the card reissue by exchanging these electronic messages issues a simple card and provides it to the user, and notifies the branch terminal through the host computer 100 of the card reissue request. You can apply for a card reissue.

  Therefore, according to the automatic transaction apparatus 10, if the automatic transaction apparatus 10 can be used, it is possible to apply for a card reissue even outside the business hours of the business office. There is no need to go to the counter during business hours, and the time constraints imposed on users when applying for card reissue can be greatly improved. Also, since a simple card is issued at the same time as the application, the user uses the simple card for account transactions until the reissued card reaches the user's hand after the card reissue application. Therefore, it is possible to prevent a period during which account transactions cannot be performed.

  Moreover, according to the automatic transaction apparatus 10, since the card of a reissuance origin is collect | recovered in the automatic transaction apparatus 10 when issuing a simple card, multiple simple cards are issued from the card of a reissue origin. In addition, it is possible to prevent the reissue card and the simple card from being provided to the user in duplicate. As a result, it is possible to avoid the occurrence of problems such as confusing procedures and reduced security due to an unnecessarily large number of cards.

  12A to 12C are flowcharts of payment transactions performed by the automatic transaction apparatus shown in FIG. 13A to 13M are diagrams illustrating various screens displayed on the automatic transaction apparatus shown in FIG. FIG. 14 is a diagram exemplifying a configuration of a payment transaction request message transmitted from the automatic transaction apparatus shown in FIG. 1 to the host computer. With reference to FIG. 12A to FIG. 14, a payment transaction process performed in the automatic transaction apparatus 10 will be described in detail as an example of an account transaction performed in the automatic transaction apparatus 10. Hereinafter, a case where the card inserted into the automatic transaction apparatus 10 is a simple card will be described as an example.

  First, when the customer sensor 45 detects the presence of a user, the control unit 20 displays a transaction type selection screen illustrated in FIG. 13A on the color LCD 42 (step S201). Thereafter, the touch panel 43 monitors the user pressing the transaction key (step S202). When the transaction key is pressed, the control unit 20 determines whether or not the pressed transaction key is a payment key (step S203). .

  When determining that the pressed transaction key is a key other than the payment key, the control unit 20 executes a transaction process corresponding to the pressed transaction key (step S204). On the other hand, if it is determined that the pressed transaction key is a payment key, a card insertion screen illustrated in FIG. 13B is displayed on the color LCD 42 (step S205) to prompt the user to insert a card. Thereafter, the CIP 60 monitors card insertion by the user (step S206), and when the CIP 60 detects card insertion, the control unit 20 determines whether the card inserted into the CIP 60 is a normal card. (Step S207).

  When determining that the inserted card is not normal, the control unit 20 displays the card NG medium return screen illustrated in FIG. 13K on the color LCD 42 (step S208), and returns the card to the user (step S208). Step S235, Step S236). On the other hand, if it is determined that the inserted card is normal, a password input screen illustrated in FIG. 13C is displayed on the color LCD 42 (step S209) to prompt the user to input the password. Thereafter, the touch panel 43 monitors the input of the 4-digit password and the pressing of the correction key by the user (steps S210 and S211).

  When the correction key is pressed, the control unit 20 clears the input data input on the personal identification number input screen (step S212), and displays the personal identification number re-input screen illustrated in FIG. 13D on the color LCD 42 ( Step S213), prompting the user again to enter a password. On the other hand, when the password of 4 digits is input, the control unit 20 displays the amount input screen illustrated in FIG. 13E on the color LCD 42 (step S214), and prompts the user to input the transaction amount. Thereafter, the touch panel 43 monitors the pressing of the confirmation key and the correction key by the user (steps S215 and S216).

  When the correction key is pressed, the control unit 20 clears the input data input on the amount input screen (step S217), and displays the amount re-input screen illustrated in FIG. 13F on the color LCD 42 (step S218). ), Prompt the user to enter the transaction amount again. On the other hand, when the confirmation key is pressed, the control unit 20 determines whether or not a transaction amount has been input (step S219).

  If it is determined that the transaction amount has not been input, the control unit 20 returns the control to step S215 and again monitors the pressing of the confirmation key and the correction key. On the other hand, when determining that the transaction amount has been input, the control unit 20 displays the amount confirmation screen illustrated in FIG. 13G on the color LCD 42 (step S220), and confirms the transaction amount to the user. Prompt. Thereafter, the touch panel 43 monitors the pressing of the confirmation key and the correction key by the user (steps S221 and S222).

  When the correction key is pressed, the control unit 20 returns the control to step S214 and causes the color LCD 42 to display the amount input screen illustrated in FIG. 13E. On the other hand, when the confirmation key is pressed, the control unit 20 generates a payment transaction request message (step S223). More specifically, the control unit 20 causes the card reader / writer unit 61 to acquire the MS information having the configuration illustrated in FIG. 6 and stored in the magnetic stripe of the inserted card, and uses the acquired MS information. A message of a payment transaction request having the configuration illustrated in FIG. 14 is generated from the password entered by the person and information such as the transaction amount.

  As illustrated in FIG. 14, the payment transaction request message includes a message type field 701 including a message type indicating a payment transaction request, and the contents of the MS information acquired by the card reader / writer unit 61. And an inserted card MS information field 702, a password number field 703 containing the password entered by the user, and a payment transaction information field 704 containing the transaction amount entered by the user. Since the inserted card MS information field 702 includes the simple card information stored in the simple card information field 203 of the MS information of the inserted card, the payment transaction request message includes a request for payment transaction. Information on whether or not the card used for the is a simple card is included.

  When the payment transaction request message is generated, the control unit 20 transmits the generated message to the host computer 100 and displays the host communication screen illustrated in FIG. 13H on the color LCD 42 (step S224). The reception of a response message from the host computer 100 is monitored (step S225).

  When receiving the response message from the host computer 100, the control unit 20 checks the message type field of the response message and determines whether or not the response message is a payment permission response message (step S226).

  When the control unit 20 determines that the received response message is a payment permission response message, the control unit 20 counts the cash of the transaction amount input to the cash processing unit (not shown) (step S227), and is illustrated in FIG. 13I. The medium return screen is displayed on the color LCD 42 (step S228). Thereafter, the counted cash is provided to the user from the banknote entrance 13 and the coin entrance 14, and the inserted card is returned to the user from the card entrance 11 (step S229).

  When cash and a card are taken out by the user (step S230), the control unit 20 displays a thank-you screen illustrated in FIG. 13J on the color LCD 42 (step S231), and returns the control to step S201.

  On the other hand, when the control unit 20 determines that the received response message is not a payment permission response message, that is, a payment rejection response message, the control unit 20 refers to the field indicating the rejection reason in the rejection response message. Then, it is determined whether or not the reason for refusal is the use of a simple card (step S232).

  When it is determined that the reason for refusal is that the simple card cannot be used, the control unit 20 displays the simple card unusable return screen illustrated in FIG. 13M on the color LCD 42 (step S233) and returns it to the user. Therefore, the card inserted into the card slot 11 is transported (step S235). Thereafter, the CIP 60 monitors the removal of the inserted card from the card slot 11 (step S236).

On the other hand, if it is determined that the reason for refusal is that the simple card cannot be used, the control unit 20 displays the transaction NG medium return screen illustrated in FIG. 13L on the color LCD 42 (step S234) and returns it to the user. For this purpose, the card inserted into the card slot 11 is transported (step S235). Thereafter, the CIP 60 monitors the removal of the inserted card from the card slot 11 (step S236).
When the CIP 60 detects the removal of the inserted card by the user, the control unit 20 returns the control to step S201.

  FIG. 15A and FIG. 15B are flowcharts of payment transactions performed in the host computer. With reference to FIGS. 15A and 15B, the processing of the payment transaction performed in the host computer 100 will be described in detail.

  First, when receiving the transaction request message (step S301), the host computer 100 monitoring the receipt of the transaction request message determines whether the received transaction request message is a payment transaction request message (step S301). S302).

  If the host computer 100 determines that the received transaction request message is not a payment transaction request message, the host computer 100 executes the transaction process corresponding to the received transaction request message (step S303), and then proceeds to step S301. Return and resume monitoring the receipt of the transaction request message. On the other hand, if it is determined that the received transaction request message is a payment transaction request message, the host computer based on the information in the inserted card MS information field 702 in the payment transaction request message illustrated in FIG. 100 databases are searched (step S304), and the presence or absence of the corresponding account record is determined (step S305).

  If it is determined that the corresponding account record does not exist, the host computer 100 transmits a transaction rejection response to the automatic transaction apparatus 10 assuming that the corresponding account data does not exist (step S306), and returns the control to step S301. , Resume monitoring the receipt of the transaction request message. On the other hand, if it is determined that the corresponding record exists, the host computer 100 determines the personal identification number included in the personal identification number information field 703 of the payment transaction request message illustrated in FIG. 14 and the personal identification number field 503 of the corresponding record. Is compared with the password stored in step S307 to determine whether the passwords match (step S307). If it is determined that the personal identification numbers do not match, the host computer 100 transmits a transaction rejection response to the automatic transaction apparatus 10 because of the personal identification number mismatch (step S308), returns control to step S301, and receives a transaction request. Restart monitoring the reception of the message. On the other hand, if it is determined that the passwords match, the host computer 100 refers to the simple card information included in the inserted card MS information field 702 to determine whether the card used for the payment transaction request is a simple card. Judgment is made (step S309). More specifically, the determination is made based on whether the simple card information included in the inserted card MS information field 702 is “0” indicating a normal card or “0” such as “1” indicating a simple card.

  If the card used for the payment transaction request is not a simple card, the host computer 100 updates the value of the simple card information field 507 of the corresponding account record to “0” (step S310), and performs the process of step S311. Transition. On the other hand, when the card used for the payment transaction request is a simple card, the host computer 100 refers to the simple card information field 507 of the corresponding account record to determine whether or not the simple card can be used. (Step S311). More specifically, whether or not the simple card information field 507 is “other than 0” such as “1” indicating that the simple card has been issued and the use of the simple card is permitted. Whether or not to judge.

  If it is determined that the simple card cannot be used, the host computer 100 transmits a transaction rejection response to the automatic transaction apparatus 10 assuming that the use of the simple card is prohibited in the corresponding account (step S312). The control is returned to step S301, and the monitoring of the reception of the transaction request message is resumed. On the other hand, if it is determined that the simple card can be used, the host computer 100 transitions to the processing in step S313.

  In step S313, the host computer 100 compares the transaction amount information included in the payment transaction information field 704 of the message of the payment transaction request with the information in the balance field 506 of the account record.

  If the transaction amount is greater than the balance, the host computer 100 transmits a transaction rejection response to the automatic transaction apparatus 10 assuming that the balance of the corresponding account is insufficient (step S314), and returns control to step S301. , Resume monitoring the receipt of the transaction request message. On the other hand, when the transaction amount is less than the balance, the host computer 100 executes various processes necessary for the payment transaction such as updating the balance field 506 to a value obtained by subtracting the transaction amount from the balance (step S315). The host computer 100 then transmits a payment permission response message to the automatic transaction apparatus 10 (step S316), returns control to step S301, and resumes monitoring the reception of the transaction request message.

  As described above, when the automatic transaction apparatus 10 requests the host computer 100 to make a payment transaction, the automatic transaction apparatus 10 uses the simple card information indicating whether or not the used card is a simple card as the insertion card MS information of the payment transaction request message. By including and transmitting in the field 702, the host computer 100 can determine whether or not the card used for the request is a simple card. As a result, the automatic transaction apparatus 10 causes the host computer 100 to update the simple card information field 507 of the account record in accordance with the simple card information in the message from the automatic transaction apparatus 10 and a simple card is issued. Even if it exists, once a normal card is used, the use of a simple card can be prohibited.

  Therefore, according to the automatic transaction apparatus 10, it becomes possible to invalidate a simple card by using a normal card after issuing a simple card. For this reason, since a simple card can be automatically invalidated by using a normal card sent by mail, that is, a reissue card, an expiration date is set for the simple card in advance. Therefore, various problems associated with setting an expiration date on a simple card can be avoided. Further, it is possible to prevent the reissue card and the simple card from being used repeatedly after the reissue card is sent.

DESCRIPTION OF SYMBOLS 10 ... Automatic transaction apparatus 11 ... Card entrance / exit 12 ... Passbook entrance / exit 13 ... Banknote entrance / exit 14 ... Coin entrance / exit 15, 40 ... Customer operation part 20 ... Control part 21 ... LAN control unit 22 ... Line control unit 23 ... Main control unit 24 ... Auxiliary storage unit 30 ... Power supply unit 41 ... Status display units 42, 51 ... Color LCD
43, 52 ... Touch panel 44 ... Voice guidance 45 ... Customer sensor 46 ... Voice guidance 50 ... Management operation unit 53 ... Function key 60 ... CIP
61: Card reader / writer unit 62: Card emboss reading unit 63 ... Printer unit 64 ... Automatic replenishment unit 65 ... Simple card issue unit 66 ... Card collection unit 70 ... PPR
71 ... Passbook magnetic stripe reader / writer unit 72 ... Passbook printer unit 73 ... Passbook issuer 80 ... BRU
81 ... bill cassettes 82, 92 ... fixed stackers 83, 93 ... forgetting boxes 84, 94 ... operational RJ boxes 90 ... CRU
91 ... Coin cassette 95 ... External connection unit 96 ... External camera 100 ... Host computer 101 ... Monitoring device 110 ... Authentication information acquisition means 120 ... Message generation means 130 ... Transmission / reception means 140... Card collection means 150... Simple card issue means 201 and 403... Account information fields 202 and 404... Spare fields 203, 405 and 507. 601, 701 ... message type field 302, 602, 702... Inserted card MS information field 303, 603... First input information field 304 604, second input information field 305, 605. .. Third input information field 402... Card format information field 501. Number field 502 ... account number field 503 ... PIN number field 504 ... address field 505 ... name field 506 ... balance field 703 ... personal identification number information field 704 ... payment transaction information field

Claims (5)

An automatic transaction apparatus that performs account transactions by communicating with a host computer,
Card collecting means for collecting the card in the automatic transaction apparatus;
Authentication information acquisition means for acquiring authentication information for authenticating a user of the card recovered by the card recovery means;
Transmitting / receiving means for transmitting a request for reissuing a card including the authentication information acquired by the authentication information acquiring means to the host computer, and receiving a response to the request for reissuing the card;
When the transmission / reception means receives a simple card issuance permission response from the host computer in response to the request for reissuing the card, for performing an account transaction related to the account corresponding to the card collected by the card collection means And a simple card issuing means for issuing a simple card. The automatic transaction apparatus according to claim 1,
The transmission / reception means sends an account transaction request including a request for prohibiting the use of a simple card in an account corresponding to the normal card to the host computer when a normal card that is not a simple card is used for the account transaction. An automatic transaction apparatus characterized by transmitting. In the automatic transaction apparatus according to claim 1 or 2,
When the simple card is used for an account transaction, the transmission / reception means transmits an account transaction request including a request for permitting the use of the simple card in an account corresponding to the normal card to the host computer. Automatic transaction equipment. A simple card issuing method for an automatic transaction apparatus that performs account transactions by communicating with a host computer,
A card collection step for collecting the card in the automatic transaction apparatus;
An authentication information acquisition step of acquiring authentication information for authenticating a user of the card recovered in the card recovery step;
A transmission / reception step of transmitting a request for reissuing the card including the authentication information acquired in the authentication information acquiring step to the host computer, and receiving a response to the request for reissuing the card;
In order to perform an account transaction relating to the account corresponding to the card collected in the card collection step when a simple card issuance permission response is received from the host computer in response to the card reissue request in the transmission / reception step A simple card issuing method for an automatic transaction apparatus, comprising: a simple card issuing step for issuing a simple card. A method of prohibiting the use of a simple card reissued by the simple card issuing method of the automatic transaction apparatus according to claim 4,
When a normal card that is not a simple card is used for an account transaction, a use prohibition request transmission that transmits a request for an account transaction including a request for prohibiting the use of a simple card in an account corresponding to the normal card to the host computer A method for prohibiting use of a simple card, comprising: a step.

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