JP2014002431A - Automatic transaction device and automatic transaction system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To improve user convenience of an automatic transaction device by allowing a user to send a message not only to an account of a payee but also to those who have no bank account or to many and unspecified people.SOLUTION: At an automatic transaction device, a user stores a message in a server by using a medium, such as a card and a bankbook, which provides an account number. Thereby, any person can read the message by using the account number, the name, or the date of birth of the user as a key.

Description

  The present invention relates to an automatic transaction apparatus (ATM) such as a financial institution or a bank.

  There has been proposed a system in which a user holding an account in a bank or the like can store a message in a database using an automatic transaction apparatus and read the message from an automatic transaction apparatus, a portable terminal, a personal computer, or the like.

  For example, in Patent Documents 1 to 3, when performing a transfer transaction with an automatic transaction apparatus, a message is registered in the host computer in association with the account of the transfer destination, and the owner of the transfer destination account can see it. Technology is disclosed.

JP2012-84101A JP2012-84102A JP 2012-84013 A

  With the techniques disclosed in the above-mentioned Patent Documents 1 to 3, etc., only a person who has an account at the bank can see the message. For example, it is inconvenient when it is necessary to convey the safety of users to many people including those who do not have an account at a bank.

  The message input by the user to the automatic transaction apparatus is stored in the database in association with the account number. The database in which the message is stored can be accessed from an automatic transaction device, mobile terminal, personal computer, etc., and the account number or name of the person who sent the message (when there is a duplicate name, the date of birth is also included) You can see the message by typing

  A user of an automated transaction apparatus that wishes to send a message can save the message in a database and any person can access the message.

Overview of automatic transaction equipment and host computer Internal configuration diagram of automatic transaction equipment and host computer User message input flow in automatic transaction equipment Message input selection screen in automatic transaction equipment Message input screen in automatic transaction equipment Password input screen for automatic transaction equipment Message browsing flow from automated transaction equipment or mobile terminals and PCs Message browsing selection screen in automatic transaction equipment Account number and name input screen Date of birth input screen Password input screen Message output screen Network configuration diagram including automatic transaction apparatus and financial institution host computer of the present invention

  Hereinafter, an embodiment of the present invention will be described with reference to FIGS. The present embodiment relates to an automatic transaction apparatus such as an ATM (Automated Tellers Machine) employed in a financial institution system such as a bank system.

  First, FIG. 1 is a connection diagram between an automatic transaction apparatus 1 according to the present embodiment and a system connected via a communication network, and FIG. 2 is an internal configuration diagram of the automatic transaction apparatus and a host computer. A schematic structure will be described with reference to the connection diagram and the internal configuration diagram.

  An automatic transaction apparatus (hereinafter referred to as ATM) 1 is an automatic transaction apparatus that is installed in a financial institution and performs transactions such as cash deposits and withdrawals by customer operations. It is connected to the connection unit 12. The ATM is a device that automatically executes various transactions requested by the user, and includes an operation unit 3, a card / detail slip mechanism unit 4, a passbook mechanism unit 5, a bill deposit / withdrawal mechanism unit 6, and a coin deposit / withdrawal mechanism unit 7. , A vein authentication mechanism unit 9, and a control unit 2 for controlling these units. The control unit includes a hardware configuration such as a CPU and a memory, and a software configuration such as a program and data, and controls various processes and transactions.

  Each part will be described below. The operation unit 3 has a screen display and a key input detection function. When an ATM user mainly performs a transaction, the operation unit 3 displays a transaction operation guide screen, or a user's operation such as a personal identification number or a key pressed by a finger. This is the part that accepts input. Note that the operation unit 3 is preferably an input / display unit (also referred to as an input display unit) configured by a touch panel or the like, and displays various information on the display screen, and of course, various items included in the display screen can be pressed. Detect.

  The card mechanism unit 4 has a user card insertion or ejection operation, a card magnetic stripe or IC chip read or write operation, a card embossed portion image reading function, and the like. Moreover, it has the statement slip mechanism part 4 which prints the transaction contents on a statement slip by a printing part, and discharge | emits it from the inside of an apparatus.

  The passbook mechanism unit 5 has a user's passbook insertion / ejection operation, magnetic stripe read / write operation, a printing function by the passbook printing unit, and the like.

  The banknote deposit / withdrawal mechanism 6 and the coin deposit / withdrawal mechanism 7 have a cash deposit / withdrawal function, a cash discrimination / conveyance function, and a storage function.

  The vein authentication mechanism unit 9 has a user vein reading function and an authentication function between vein data registered in the IC card and read vein data. And as above-mentioned, the process of each of these site | parts is controlled by the control part 2. FIG.

  On the other hand, a host computer (hereinafter referred to as a host) 10 connected to the ATM 1 is connected to a line control unit 8 of the ATM 1 and is connected via a line connection unit 12 for transmitting or receiving data to / from the ATM 1. It has an account information file control unit 13 for controlling the account information file 14 and various files 16 for storing the provided user account information and the like, and a host computer control unit 11 for controlling them.

  The account information file 14 also stores the user's personal identification number, and the host 11 compares the personal identification number included in the data received from the ATM 1 and transmits the result to the ATM 1. Thereby, it is determined whether or not the password entered by ATM1 is acceptable.

  Next, a method for a user to input a message using ATM will be described. FIG. 3 is a flow chart thereof. A transaction start screen 400 as shown in FIG. 4 is displayed on the operation unit 3 of the ATM 1 at the start of the transaction, and a message input button 401 is further displayed on the screen.

  When the user presses the message input button 401 (step S300), the user is prompted to insert a bank account card or passbook (step S301). When the user inserts a card or passbook, a message input screen 500 shown in FIG. 5 is displayed (step S302). The user inputs an arbitrary message on this screen. The message can be input using a software keyboard 502 displayed on the screen. The input message is displayed in the input area 501. When the message input is completed, an input end button 504 is pressed. When canceling the message input, a cancel button 503 is pressed.

  When the input end button 504 is pressed to complete the message input, a password input screen 600 shown in FIG. 6 is displayed (step S303). Here, the user inputs the password using the software keyboard 602 displayed on the screen. Since the input password is displayed in the input area 601, if there is no mistake after confirmation, the input end button 604 is pressed. It is also possible to set no password by pressing the input end button 604 without entering the password.

  The input message is stored in the message storage server 17 in association with the user's account number, name, and date of birth in the host computer 10. Here, the reason why the data is stored in the message storage server 17 is to prevent direct access to the financial institution server via the portable terminal or the PC when viewing the message from the viewpoint of safety.

  Next, a method for browsing a registered message using an automatic transaction apparatus, a portable terminal, and a PC will be described. FIG. 7 is a flowchart explaining this. If you want to view the message using the automatic transaction apparatus, when you press the other transaction button 402 on the transaction start screen 400 of FIG. 4, a transaction start screen (continued) 800 as shown in FIG. 8 is displayed. The message browsing button 801 displayed there is pressed (step S700).

  Then, a message saver designation screen 900 for inputting the bank account number or name of the person who saved the message is displayed, and the account number or name is entered using the software keyboard 901 (step S701).

  In addition, when browsing a message using not a ATM but a portable terminal or PC, by inputting a specific URL on the portable terminal or PC, an input screen similar to the message saver designation screen 900 is displayed on the portable terminal or PC. Displayed on the PC.

  Here, if there is a duplicate name of the message saver when entering the name, the date of birth input screen 1000 as shown in FIG. 10 is displayed for discrimination, and the date of birth of the message saver is entered ( Step S702).

  Next, when a password is applied to the message, a password input screen 1100 as shown in FIG. 11 is displayed, and the password is input (step S703). If the passwords match, the sender's message can be viewed on the message display screen 1200 as shown in FIG. 12 (step S704).

  As described above, according to the embodiment of the present invention, a user of an automatic transaction apparatus that wants to transmit a message can store the message in a database, and an arbitrary person can access the message.

DESCRIPTION OF SYMBOLS 1 ... Automatic cash transaction apparatus 2 ... Control part 3 ... Operation part (input and display part)
4 ... Card mechanism part / details slip mechanism part 5 ... Passbook mechanism part 6 ... Banknote deposit / withdrawal mechanism part 7 ... Coin deposit / withdrawal mechanism part 8 ... Line connection part (automatic cash transaction apparatus side)
9 ... Vein authentication mechanism unit 10 ... Host computer 11 ... Host computer control unit 12 ... Line connection unit (host computer side)
13 ... Account information file control unit 14 ... Account information file 15 ... File unit 16 ... Various files 17 ... Message storage server 18 ... Internet 19 ... Mobile terminal 20 ... PC

Claims (3)

An automatic transaction apparatus that performs transactions by user operation,
A message input means for a user to input a message;
Transmitting means for transmitting the input message to a storage unit of a host computer;
Message input person specifying means for inputting information for specifying a user who has input a message stored in the storage unit of the host computer;
Receiving means for receiving a message input by the user specified by the message input person specifying means from the storage unit of the host computer;
Display means for displaying the received message;
An automatic transaction apparatus characterized by comprising: The automatic transaction apparatus according to claim 1,
The automatic transaction apparatus characterized in that the information for identifying the user is an account number or a name of the user. The automatic transaction apparatus according to claim 2,
When a name is entered as information for identifying the message input person, if there is a duplicate name, the date of birth of the message input person is further entered and specified.

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