JP2014109820A - Transaction medium determination system, transaction medium determination method, and automatic transaction device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To guide a user to stop using a transaction medium with a personal identification number written thereon to prevent unauthorized use of the transaction medium by a person who has acquired the transaction medium.SOLUTION: In a transaction medium determination system 10, an automatic transaction device 20 receives a transaction medium A used in transaction processing, acquires an image of a main surface of the transaction medium A, receives a personal identification number associated with the transaction medium A, and recognizes a description item C hand-written on the main surface of the transaction medium A on the basis of design information B showing specified design of the main surface of the transaction medium A and the acquired image of the transaction medium A; and an information processing apparatus 30 receives the personal identification number and the description item C on the transaction medium A from the automatic transaction device 20, authenticates a user on the basis of the personal identification number, and determines whether the personal identification number coincides with the description item C. The information processing apparatus 30 further causes the automatic transaction device 20 to output a guide to stop using the transaction medium A to terminate the transaction processing.

Description

  The present invention relates to a handling medium discrimination system, a handling medium discrimination method, and an automatic transaction apparatus.

  Automatic transaction machines (ATMs) are currently installed not only in financial institutions but also in various places such as convenience stores and station premises. When such an automatic transaction apparatus receives a personal identification number together with a handling medium such as a cash card used in transaction processing such as transfer and payment from the user, it notifies the host computer of a personal identification number authentication request. When the host computer appropriately authenticates the notified personal identification number in response to the request, the automatic transaction apparatus can execute transaction processing designated by the user (see, for example, Patent Document 1).

JP 2012-073868 A

  By the way, some users directly write the personal identification number on the cash card in preparation for forgetting the personal identification number. In this case, if the cash card on which the personal identification number is written is lost, there is a problem that it may be illegally used as it is by the acquirer of the cash card.

  In view of such a point, the present invention provides a handling medium discrimination system, a handling medium discrimination method, and an automatic transaction apparatus that can determine whether a security code is described in a handling medium handled in transaction processing. The purpose is to provide.

  In order to solve the above-described problem, an image acquisition unit that receives a handling medium handled in transaction processing and obtains an image of a main surface of the handling medium, and a code number that receives a code number associated with the handling medium A reception unit, a recognition processing unit for recognizing a description added to the main surface of the handling medium based on the acquired image and design information representing a prescribed design of the main surface of the handling medium, and an arbitrary guide An automatic transaction apparatus that executes the transaction process, and receives the personal identification number and the description of the handling medium from the automatic transaction apparatus, and based on the personal identification number When the handling medium is authenticated, a description item determination unit for determining a match between the personal identification number and the description item, and a guidance output unit of the automatic transaction apparatus according to a determination result of the description item determination unit. An output request unit for outputting a guidance Cease handling media handling medium detecting system comprising an information processing apparatus, a having provided.

  In order to solve the above problem, an image acquisition unit that receives a handling medium handled in transaction processing and obtains an image of a main surface of the handling medium, and a password associated with the handling medium are received. An automatic transaction apparatus for executing the transaction process; and receiving the image of a main surface of the handling medium from the automatic transaction apparatus. A recognition processing unit for recognizing a description added to the main surface of the handling medium based on the image of the main surface of the handling medium and design information representing a prescribed design of the main surface of the handling medium; When a personal identification number is received from the automatic transaction apparatus and the handling medium is authenticated based on the personal identification number, a description item determination unit that determines a match between the personal identification number and the description item, and a determination by the description item determination unit Result Depending on the handling medium detecting system comprising, an information processing apparatus and an output request unit for outputting a guidance Cease of the handling medium to the guidance output unit of the automatic transaction device is provided.

  In order to solve the above-mentioned problems, there are provided a handling medium discriminating method executed by the handling medium discriminating system and an automatic transaction apparatus provided in the handling medium discriminating system.

  In such a handling medium discriminating system, handling medium discriminating method, and automatic transaction apparatus, the user is prevented from using the handling medium on which the personal identification number is described to prevent unauthorized use by the acquirer of the handling medium. can do.

It is the schematic of the handling medium discrimination | determination system which concerns on 1st Embodiment. It is the schematic of another handling medium discrimination | determination system which concerns on 1st Embodiment. It is a figure for demonstrating the automatic transaction system which concerns on 2nd Embodiment. It is a figure which shows the hardware constitutions of ATM of the automatic transaction system which concerns on 2nd Embodiment. It is a figure which shows the structural example of the card processing unit with which ATM of the automatic transaction system which concerns on 2nd Embodiment is provided. It is a figure which shows the hardware constitutions of the host computer of the automatic transaction system which concerns on 2nd Embodiment. It is a block diagram which shows the function with which ATM and the host computer of the automatic transaction system which concern on 2nd Embodiment are provided. It is a figure which shows an example of the design information holding | maintenance part with which the host computer of the automatic transaction system which concerns on 2nd Embodiment is provided. It is a flowchart which shows the transaction card discrimination | determination process performed with the automatic transaction system which concerns on 2nd Embodiment. It is a figure which shows the example of a display of the utilization cancellation guidance of the transaction card which ATM of the automatic transaction system which concerns on 2nd Embodiment displays. It is a flowchart which shows the memorandum recognition process performed with ATM of the automatic transaction system which concerns on 2nd Embodiment, and the inquiry process performed with a host computer. It is a block diagram which shows the function with which ATM and the host computer of the automatic transaction system which concern on 3rd Embodiment are provided. It is a flowchart which shows the transaction card discrimination | determination process performed with the automatic transaction system which concerns on 3rd Embodiment. It is a flowchart which shows the memorandum recognition process performed with the host computer of the automatic transaction system which concerns on 3rd Embodiment.

Hereinafter, embodiments will be described with reference to the drawings.
[First Embodiment]
In the handling medium discrimination system, it is possible to discriminate whether or not a personal identification number has been added to the handling medium handled in transaction processing, and to allow the user to stop using the handling medium according to the discrimination result. is there.

Such a handling medium discrimination system will be described with reference to FIG.
FIG. 1 is a schematic diagram of a handling medium discrimination system according to the first embodiment.
1A is a functional block diagram showing functions provided in the handling medium discrimination system 10, and FIG. 1B shows a flowchart of handling medium discrimination processing executed in the handling medium discrimination system 10. .

As illustrated in FIG. 1A, the handling medium determination system 10 includes an automatic transaction apparatus 20 and an information processing apparatus 30 that are connected to be able to communicate with each other.
The automatic transaction apparatus 20 receives an operation input from a user together with a handling medium such as a cash card or a passbook, which is handled in transaction processing such as transfer or withdrawal, and executes the transaction processing. Such an automatic transaction apparatus 20 includes an image acquisition unit 21, a personal identification number reception unit 22, a recognition processing unit 23, a guidance output unit 24, an identification information acquisition unit 25, and a communication unit 26.

The image acquisition unit 21 acquires an image of the main surface of the handling medium A received from the user.
The image acquisition unit 21 is, for example, an imaging device built in a card processing device (not shown) that receives the handling medium A included in the automatic transaction device 20. When the card processing device accepts the handling medium A, the imaging device takes an image of the main surface of the handling medium A.

  The personal identification number receiving unit 22 receives the personal identification number associated with the received handling medium A. The personal identification number receiving unit 22 is, for example, a touch panel installed in the automatic transaction apparatus 20, and accepts a personal identification number by an operation input to the touch panel (not shown) from the user.

  The recognition processing unit 23 is added to the main surface of the handling medium A based on the design information B representing the prescribed design of the main surface of the handling medium A and the image of the main surface of the handling medium A acquired by the image acquisition unit 21. Recognize the items described. The design information B can be provided in advance in the automatic transaction apparatus 20 or can be acquired from the information processing apparatus 30 by the automatic transaction apparatus 20. In the present embodiment, the case where the design information B is acquired from the information processing apparatus 30 is taken as an example (described later).

  The guide output unit 24 outputs an arbitrary guide. The guidance output unit 24 is, for example, at least one of a monitor that displays an image and a speaker that outputs audio, and can output an arbitrary guidance to the user by at least one of an image and audio.

  The identification information acquisition unit 25 acquires identification information for identifying the handling medium A associated with the handling medium A, and notifies the information processing apparatus 30 of the acquired identification information. The identification information is, for example, the magnetic stripe (or IC chip) of the handling medium A received by the magnetic head (or IC (Integrated Circuit) reader / writer) built in the card processing device of the automatic transaction apparatus 20 described above. Read from.

The communication unit 26 transmits and receives information to the information processing apparatus 30.
On the other hand, the information processing device 30 is a host computer that manages transaction processing of the automatic transaction device 20, authentication of a personal identification number, and the like, for example, and includes a communication unit 31, a description item determination unit 32, an output request unit 33, A design information holding unit 34 and a design information inquiry unit 35 are provided.

The communication unit 31 transmits and receives information to and from the automatic transaction apparatus 20.
The description item determination unit 32 receives the PIN number and the description item of the handling medium A from the automatic transaction apparatus 20, and when the handling medium A is properly authenticated based on the PIN number, it determines whether the PIN number and the description item match. To do.

The output request unit 33 causes the guidance output unit 24 of the automatic transaction apparatus 20 to output a guide to stop using the handling medium A according to the determination result of the description item determination unit 32.
The design information holding unit 34 holds design information B that represents the specified design for each handled medium A and that is associated with the identification information of the handled medium A.

  When receiving the identification information from the automatic transaction apparatus 20, the design information inquiry unit 35 refers to the design information holding unit 34 to inquire about design information corresponding to the identification information, and notifies the automatic transaction apparatus 20 of the inquired design information. Thus, the recognition processing unit 23 is made to recognize the items to be described.

  In addition, at least the recognition processing unit 23 and the identification information acquisition unit 25 of the automatic transaction apparatus 20, the description item determination unit 32, the output request unit 33, and the design information inquiry unit 35 of the information processing apparatus 30 The processing function is realized by executing a handling medium determination program by a CPU (Central Processing Unit) (not shown) included in the information processing apparatus 30.

Next, a handling medium discrimination method in the handling medium discrimination system 10 having such a configuration will be described with reference to FIG.
It is assumed that the user has added a personal identification number (for example, “1234”) associated with the handling medium A to his handling medium A.

  In the automatic transaction apparatus 20, when such a handling medium A is received from the user, the image acquisition unit 21 acquires the image of the main surface of the handling medium A, and the identification information acquisition unit 25 acquires the identification information of the handling medium A. (Step S11). The identification information acquisition unit 25 causes the information processing apparatus 30 to transmit the acquired identification information of the handling medium A to the communication unit 26 (step S12).

  In the information processing apparatus 30, the design information inquiry unit 35 refers to the design information holding unit 34 and inquires about the design information B corresponding to the identification information of the handling medium A received via the communication unit 31 (step S13). . The design information inquiry part 35 makes the automatic transaction apparatus 20 transmit the design information B to the communication part 31 (step S14).

  In the automatic transaction apparatus 20, the recognition processing unit 23 uses the design information B received via the communication unit 26 and the main surface of the handling medium A based on the image of the main surface of the handling medium A acquired by the image acquisition unit 21. The description item C added to is recognized (step S15). For example, the recognition processing unit 23 acquires information (difference information) on the difference between the design information B and the image of the main surface of the handling medium A acquired by the image acquisition unit 21, and based on the difference information, the recognition processing unit 23 Recognize the description C added to the main surface.

In the automatic transaction apparatus 20, the personal identification number receiving unit 22 receives the personal identification number ("1234") by the user's operation input (step S16).
The recognition processing unit 23 and the personal identification number receiving unit 22 cause the information processing apparatus 30 to transmit the description item C and the personal identification number (“1234”) thus acquired to the communication unit 26 (step S17).

  In the information processing apparatus 30, when the description item determination unit 32 properly authenticates the handling medium A based on the password received via the communication unit 31, the description item C and the password received via the communication unit 31 are obtained. It is determined whether or not they match (step S18). In the case of FIG. 1A, the description item C and the personal identification number are “1234”, respectively, so the description item determination unit 32 determines that the description item C and the personal identification number match.

  Since the description item C matches the personal identification number in this manner, the output request unit 33 sends an output request for the user's usage suspension guidance for the handling medium A to the communication unit 31 to the automatic transaction apparatus 20. (Step S19).

  In the automatic transaction apparatus 20, the guidance output unit 24 displays the usage suspension guidance for the handling medium A on, for example, a monitor based on the output request received via the communication unit 26, and informs the user of the handling medium A. The use is stopped and the transaction process is terminated (step S20).

  Thus, in the handling medium discrimination system 10, the automatic transaction apparatus 20 receives the handling medium A handled in the transaction process, acquires an image of the main surface of the handling medium A, and the password associated with the handling medium A. Receiving the number, so that the description item C added to the main surface of the handling medium A is recognized based on the design information B representing the prescribed design of the main surface of the handling medium A and the acquired image of the handling medium A did. In addition, when the information processing apparatus 30 receives the personal identification number and the description item C of the handling medium A from the automatic transaction apparatus 20 and appropriately authenticates the handling medium A based on the personal identification number, Judgment was made. Further, the information processing apparatus 30 causes the automatic transaction apparatus 20 to output the usage suspension guidance for the handling medium A in accordance with the determination result, thereby terminating the transaction process.

  By using the handling medium discriminating method by the handling medium discriminating system 10 as described above, the use of the handling medium A to which the personal identification number is added is stopped, so that the acquisition of the lost handling medium A by the acquirer can be prevented. become able to.

  In the handling medium determination system 10 described above, the case where the automatic transaction apparatus 20 performs the recognition process has been described. Next, a case where the recognition process is performed by the information processing apparatus 30 will be described with reference to FIG.

FIG. 2 is a schematic diagram of another handling medium discrimination system according to the first embodiment.
2A is a functional block diagram showing functions provided in another handling medium discrimination system, and FIG. 2B shows a flowchart of handling medium discrimination processing executed in another handling medium discrimination system. ing.

  As shown in FIG. 2A, the handling medium discrimination system 10a includes an automatic transaction apparatus 20a and an information processing apparatus 30a that are connected so as to communicate with each other. However, in the handling medium discriminating system 10a, the function of performing the recognition processing of the description item C of the handling medium A in FIG. 1 is provided as the recognition processing unit 36 in the information processing apparatus 30a, not in the automatic transaction apparatus 20a.

  The recognition processing unit 36 receives the image of the main surface of the handling medium A from the automatic transaction apparatus 20a, and based on the image of the main surface of the handling medium A and the design information B representing the prescribed design of the main surface of the handling medium. The description item C added to the main surface of the handling medium A is recognized. The design information B is inquired by the design information inquiry unit 35.

Since other configurations are the same as those in FIG. 1, detailed descriptions thereof are omitted.
Next, a handling medium discrimination method in the handling medium discrimination system 10a having such a configuration will be described with reference to FIG. Note that the same step numbers as in FIG. 1B are assigned to the same processes as in FIG.

In the case of FIG. 2B as well, it is assumed that the user has added a personal identification number (for example, “1234”) associated with the handling medium A to his handling medium A.
When the automatic transaction apparatus 20a receives the handling medium A from the user, the image acquisition unit 21 acquires the image of the main surface of the handling medium A, and the identification information acquisition unit 25 acquires the identification information of the handling medium A (step). S11). The identification information acquisition unit 25 causes the information processing device 30a to transmit the identification information of the handling medium A together with the acquired image of the main surface of the handling medium A to the communication unit 26 (step S21).

  In the information processing apparatus 30a, the design information inquiry unit 35 refers to the design information holding unit 34 and inquires about the design information B corresponding to the identification information of the handling medium A received via the communication unit 31 (step S13). . The recognition processing unit 36 is a description item added to the main surface of the handling medium A based on the image of the main surface of the handling medium A acquired from the automatic transaction apparatus 20a and the design information B inquired by the design information inquiry unit 35. C is recognized (step S22). The recognition processing unit 36 causes the automatic transaction apparatus 20a to transmit a recognition completion notification of the description item C from the communication unit 31 (step S23).

  When the automatic transaction apparatus 20a receives the recognition completion notification of the description item C through the communication unit 26, the personal identification number receiving unit 22 receives the personal identification number ("1234") by a user operation input (step S16).

The personal identification number receiving unit 22 causes the information processing apparatus 30a to transmit the personal identification number ("1234") thus acquired to the communication unit 26 (step S24).
In the information processing apparatus 30a, when the description item determination unit 32 properly authenticates the handling medium A based on the password received via the communication unit 31, the description item C recognized by the recognition processing unit 36 matches the password. It is determined whether or not to perform (step S18). In the case of FIG. 2A as well, similarly to FIG. 1, the description item C and the password number are “1234”, so the description item determination unit 32 matches the description item C and the password number. Judge that.

Thereafter, processing similar to steps S19 and S20 in FIG.
Thus, in the handling medium discrimination system 10a, the automatic transaction apparatus 20a receives the handling medium A handled in the transaction process, acquires an image of the main surface of the handling medium A, and the password associated with the handling medium A. The number was accepted. Further, the information processing device 30a receives the image of the main surface of the handling medium A from the automatic transaction device 20a, and the design information B representing the design of the image of the main surface of the handling medium A and the main surface of the handling medium A Based on the above, the description item C added to the main surface of the handling medium A is recognized, the personal identification number is received from the automatic transaction apparatus 20a, and the handling medium A is properly authenticated based on the personal identification number. Matching with description item C was determined. Further, the information processing apparatus 30a outputs the usage suspension guidance for the handling medium A to the automatic transaction apparatus 20a in accordance with the determination result, and ends the transaction process.

  By using the handling medium discriminating method by the handling medium discriminating system 10a, the use of the handling medium A to which the personal identification number is added is stopped, thereby preventing the occurrence of unauthorized use by the acquirer of the handling medium A that has been lost or the like. become able to.

[Second Embodiment]
First, the automatic transaction system of 2nd Embodiment is demonstrated using FIG.
FIG. 3 is a diagram for explaining an automatic transaction system according to the second embodiment.

  As shown in FIG. 3, the automatic transaction system 100 in a financial institution includes a plurality of ATMs 200 (one of which is shown in FIG. 3), and each ATM 200 is connected via a host computer 300 and a financial network 400. It is connected.

  In addition, on the front surface of the ATM 200, a display unit 220a for displaying a reception screen and the like, a card insertion / discharge port 40a through which a cash card is inserted / discharged, and a passbook insertion / discharge port 50a through which a bankbook is inserted / discharged. A coin deposit / withdrawal port 60a for depositing / withdrawing coins and a banknote deposit / withdrawal port 70a for depositing / withdrawing bills are provided.

Further, the hardware configuration of such ATM 200 will be described with reference to FIG.
FIG. 4 is a diagram showing an ATM hardware configuration of the automatic transaction system according to the second embodiment.

  The ATM 200 includes a control unit 210 that controls processing executed in the ATM 200, and a display unit 220 that receives an operation input from a user and displays a reception screen and the like. Also, a card processing unit 230 that inserts / discharges a cash card from the card insertion / discharge port 40a, a passbook processing unit 240 that inserts / discharges the passbook from the passbook insertion / discharge port 50a, and a coin that is deposited / withdrawn from the coin deposit / withdrawal port 60a. A coin processing unit 250, and a banknote processing unit 260 for depositing / withdrawing banknotes from the banknote deposit / withdrawal port 70a.

  The control unit 210 includes a CPU 210a, a RAM (Random Access Memory) 210b, an HDD (Hard Disk Drive) 210c, a graphic processing unit 210d, an input / output interface 210e, and a host communication control unit 210f, each of which is a bus 210g. Are connected to each other.

The CPU 210a performs overall control of the entire ATM 200 by executing various programs stored in a storage medium such as the HDD 210c.
The RAM 210b temporarily stores an OS (Operating System) to be executed by the CPU 210a and at least a part of the program. The RAM 210b stores various data necessary for processing by the CPU 210a.

  The HDD 210c stores the OS and application programs on the ATM 200. The HDD 210c stores various information necessary for processing by the CPU 210a.

  A display unit 220 is connected to the graphic processing unit 210d. The graphic processing unit 210d displays a predetermined screen on the display unit 220a of the display unit 220 in accordance with an instruction from the CPU 210a.

  The input detection unit 220b of the display unit 220, the card processing unit 230, the passbook processing unit 240, the coin processing unit 250, and the banknote processing unit 260 are connected to the input / output interface 210e. The input / output interface 210e notifies each unit of a control signal from the CPU 210a via the bus 210g, and similarly notifies the CPU 210a of a signal from each unit.

  The host communication control unit 210f is communicably connected to the host computer 300 that manages the ATM 200 and the like via the financial network 400, and transmits and receives signals to and from the host computer 300.

Next, other units will be described.
The display unit 220 includes a display unit 220a and an input detection unit 220b, and is connected to the graphic processing unit 210d and the input / output interface 201e, respectively.

The display unit 220a displays a screen based on the screen information from the graphic processing unit 210d.
The input detection unit 220b detects a user's touch on the screen displayed by the display unit 220a. The transaction content displayed at the touch position on the screen detected by the input detection unit 220b is executed by the CPU 210a of the control unit 210.

  The card processing unit 230 executes processing such as reading of information on the cash card inserted by the user from the card insertion / discharge port 40a. Further, when the processing such as reading is completed, the card processing unit 230 conveys the cash card, discharges it from the card insertion / discharge port 40a, and returns it to the user. Details of the card processing unit 230 will be described later.

  The passbook processing unit 240 conveys the passbook inserted by the user from the passbook insertion / discharge port 50a to a predetermined position, and prints a history of transactions executed in response to a transaction execution instruction from the user on a passbook page. Moreover, the passbook processing unit 240 conveys the passbook for which the transaction history or the like has been recorded, discharges it from the passbook insertion / discharge port 50a, and returns it to the user.

  The coin processing unit 250 and the banknote processing unit 260, according to the transaction executed at the ATM 200, deposit or withdraw coins and banknotes corresponding to the amount based on the format of the transaction, and the coin deposit / withdrawal port 60a and the banknote deposit / withdrawal port 70a. Run against.

Next, a configuration example of the card processing unit 230 will be described with reference to FIG.
FIG. 5 is a diagram illustrating a configuration example of a card processing unit provided in the ATM of the automatic transaction system according to the second embodiment.

5A shows a side view of the card processing unit 230, and FIG. 5B shows a top view of the card processing unit 230.
The card processing unit 230 can accept a transaction card D such as a cash card or a credit function integrated IC cash card, and perform processing such as reading and writing on each card.

  As shown in FIG. 5, the card processing unit 230 is provided with a transport roller 230d that transports the transaction card D received from the card insertion / discharge port 40a to a predetermined position on the transport path 230b. In addition, a magnetic reader / writer (not shown) that performs processing such as reading on the magnetic stripe of the transaction card D conveyed on the conveyance path 230b is incorporated.

Furthermore, an imaging device 230c that captures images of the main surface of the transaction card D that is transported on the transport path 230b and the main surface opposite to the main surface is incorporated.
In this way, the operation of each component built in the card processing unit 230 is controlled based on a control signal from the CPU 210a of the control unit 210.

Next, the hardware configuration of the host computer 300 to which the ATM 200 is connected will be described with reference to FIG.
FIG. 6 is a diagram illustrating a hardware configuration of the host computer of the automatic transaction system according to the second embodiment.

  The host computer 300 includes a CPU 310a, a RAM 310b, an HDD 310c, for example, a graphic processing unit 310d to which a display unit 500i such as a monitor is connected, an input / output interface 310e to which an input unit 500j such as a keyboard and a mouse is connected, and a communication control unit 310f. Each is equipped. These units are connected to each other by a bus 310g.

The communication control unit 310f performs communication with the host communication control unit 210f of the ATM 200 via the financial network 400.
Next, functions of the ATM 200 and the host computer 300 of the automatic transaction system 100 having such a configuration will be described with reference to FIG.

FIG. 7 is a block diagram illustrating functions of the ATM and the host computer of the automatic transaction system according to the second embodiment.
Moreover, FIG. 8 is a figure which shows an example of the design information holding part with which the host computer of the automatic transaction system which concerns on 2nd Embodiment is provided.

  As shown in FIG. 7, a control unit 210 that controls processing executed by the ATM 200 of the automatic transaction system 100 includes a card processing control unit 211, an input information reception unit 212, a display processing unit 213, and an image information acquisition unit 214. (Image acquisition unit), card ID information acquisition unit 215 (identification information acquisition unit), memo writing recognition processing unit 216 (recognition processing unit), password number acquisition unit 217 (password number reception unit), and communication unit 218.

  The card processing control unit 211 controls the operation of the card processing unit 230. For example, as shown in FIG. 5, the card processing control unit 211 controls a transport roller 230d built in the card processing unit 230 to transport the transaction card D received by the card processing unit 230 to a predetermined position. Or discharge to the outside. Further, the card processing control unit 211 causes the imaging device 230c to image the main surface of the transaction card D that is transported in this way.

  The input information reception unit 212 receives information input to the input detection unit 220b. For example, the input information reception unit 212 receives input of a transaction process start such as withdrawal and transfer, a personal identification number, and an account number via the input detection unit 220b.

The display processing unit 213 displays an arbitrary image on the display unit 220a.
The image information acquisition unit 214 acquires image information of the main surface of the transaction card D captured by the imaging device 230 c of the card processing unit 230 under the control of the card processing control unit 211.

  The card ID information acquisition unit 215 acquires the card ID information associated with each transaction card D read by the magnetic reader / writer of the card processing unit 230 from the magnetic stripe of the transaction card D under the control of the card processing control unit 211. To do.

  The memo recognition processing unit 216 uses the memo written on the transaction card D based on the image information of the transaction card D acquired by the image information acquisition unit 214 and the design information indicating the prescribed design of the main surface of the transaction card D. Recognize writing. For example, the memo recognition processing unit 216 acquires and acquires the difference between the image information of the transaction card D acquired by the image information acquisition unit 214 and the design information indicating the prescribed design of the main surface of the transaction card D. Based on the difference information, the memo written on the main surface of the transaction card D can be recognized.

The personal identification number acquisition unit 217 acquires a personal identification number that is input to the input detection unit 220b by the user and received by the input information reception unit 212.
The communication unit 218 transmits / receives information to / from the host computer 300.

  On the other hand, the control unit 310 that controls processing executed by the host computer 300 of the automatic transaction system 100 includes a design information holding unit 311, a communication unit 312, a design information inquiry unit 313, a password authentication unit 314, and a memo writing determination. A unit 315 (description item determination unit) and an output request unit 316.

  For example, as shown in FIG. 8, the design information holding unit 311 holds a card ID in association with design information that is a template for the design of the transaction card D. For example, a design template with design information “b” is associated with transaction card D with card ID “B”.

The communication unit 312 transmits / receives information to / from the ATM 200.
When receiving the card ID information from the ATM 200, the design information inquiry unit 313 refers to the design information holding unit 311 and inquires about the design information corresponding to the card ID indicated by the card ID information. The design information inquiry unit 313 notifies the ATM 200 of the inquired design information so that the memo writing recognition processing unit 216 recognizes the memo writing (description items) added to the transaction card D.

The password authentication unit 314 authenticates the transaction card D associated with the password based on the password received from the ATM 200.
When the personal identification number authentication unit 314 properly authenticates the transaction card D, the memorandum determination unit 315 determines whether the memorandum received from the ATM 200 matches the personal identification number. When the memorandum determination unit 315 determines that the memorandum and the personal identification number match (the personal identification number is added to the transaction card D), the output request unit 316 executes processing. On the other hand, if it is determined that the memorandum and the password do not match, the communication unit 312 is caused to continue to transmit a transaction process continuation request to the ATM 200.

  When the memo writing determination unit 315 determines that the memo writing and the personal identification number match, the output request unit 316 notifies the display processing unit 213 of the ATM 200 of the output request for the transaction card D usage suspension guidance.

  Next, transaction card discrimination processing in the automatic transaction system 100 having the ATM 200 and the host computer 300 having such a configuration and function will be described with reference to FIGS. 9 and 10.

FIG. 9 is a flowchart showing a transaction card discrimination process executed in the automatic transaction system according to the second embodiment.
Moreover, FIG. 10 is a figure which shows the example of a display of the utilization cancellation guidance of the transaction card which ATM of the automatic transaction system which concerns on 2nd Embodiment displays.

  [Step S110] The card processing unit 230 waits for receipt of the transaction card D. When the card processing control unit 211 detects that the transaction card D is received by the card processing unit 230, the process of the next step S120 is executed.

  [Step S120] The card processing control unit 211 causes the imaging device 230c (see FIG. 5) of the card processing unit 230 to capture an image of the main surface of the transaction card D, and the image information acquisition unit 214 captures the captured image. Get information. Further, the card processing control unit 211 operates a magnetic reader / writer (not shown) of the card processing unit 230 to read the card ID of the transaction card D from the magnetic stripe of the transaction card D, thereby obtaining a card ID information acquisition unit. 215 obtains the read card ID information.

  [Step S210] The design information inquiry unit 313 refers to the design information holding unit 311 in response to the inquiry request from the ATM 200, and inquires the design information corresponding to the card ID of the transaction card D received from the ATM 200. The inquired design information is transmitted to the ATM 200.

  [Step S130] The memorandum recognition processing unit 216 receives the design information corresponding to the card ID from the host computer 300, and writes it in the transaction card D based on the received design information and the image information acquired in Step S120. Recognize written notes. Details of the processes in steps S130 and S210 will be described later.

  [Step S140] The personal identification number acquisition unit 217 waits for acceptance of an operation input of a personal identification number to the input detection unit 220b by the user. When the personal identification number acquisition unit 217 acquires the personal identification number received by the input detection unit 220b, the process of the next step S150 is executed.

  [Step S150] The memorandum recognition processing unit 216 and the password acquisition unit 217 cause the host computer 300 to transmit the memorandum recognized in step S130 and the password received in step S140 to the communication unit 218.

  [Step S <b> 220] The host computer 300 waits for receipt of a memo and PIN from the ATM 200. When the host computer 300 receives the memo and the password, the process of the next step S230 is executed.

[Step S230] Based on the password received from the ATM 200, the password authenticating unit 314 authenticates the transaction card D associated with the password.
If the transaction card D associated with the personal identification number is not properly authenticated, the process of the next step S240 is executed, and if it is properly authenticated, the next step S250 is executed.

[Step S240] The personal identification number authenticating unit 314 causes the ATM 200 to transmit a display request indicating that the personal identification number is erroneously input to the communication unit 312.
[Step S160] Based on the display request received via the communication unit 218, the display processing unit 213 displays on the display unit 220a that the password has been entered incorrectly.

  [Step S190] The card processing control unit 211 drives the transport roller 230d (see FIG. 5) of the card processing unit 230 to discharge the transaction card D from the card insertion / discharge port 40a and returns it to the user.

[Step S250] The memo writing determination unit 315 determines whether or not the memo received from the ATM 200 matches the password.
If the memorandum and the password do not match, the process of the next step S260 is executed. If they match, the process of the next step S270 is executed.

[Step S260] The memorandum determination unit 315 causes the ATM 200 to transmit a transaction processing continuation request to the communication unit 312.
[Step S170] When the communication unit 218 receives a transaction process continuation request from the host computer 300, the ATM 200 receives the execution of the transaction process from the user and executes the transaction process that the user wants to execute.

  [Step S <b> 270] The output request unit 316 sends a request to the ATM 200 display processing unit 213 to display the transaction card D usage suspension guidance to the communication unit 312 when the memo and the password match. Let

  [Step S180] Based on the display request received via the communication unit 218, the display processing unit 213 causes the display unit 220a to display a usage cancellation guide on the transaction card D, for example, as illustrated in FIG.

Thereafter, the ATM 200 performs the process of step S190.
Next, the processing in step S130 by the ATM 200 and the processing in step S210 by the host computer 300 in FIG. 9 will be described with reference to FIG.

FIG. 11 is a flowchart showing a note recognizing process executed by the ATM of the automatic transaction system according to the second embodiment and an inquiry process executed by the host computer.
[Step S131] The card ID information acquisition unit 215 causes the host computer 300 to transmit a design information inquiry request to the communication unit 218 together with the card ID information of the transaction card D acquired in step S120.

  [Step S211] The design information inquiry unit 313 refers to the design information holding unit 311 and inquires design information corresponding to the card ID received from the ATM 200 in step S131.

[Step S212] The design information inquiry unit 313 causes the ATM 200 to transmit the inquired design information from the communication unit 312.
Note that the host computer 300 performs the processing after step S220 after step S212.

  [Step S <b> 132] The note recognition processing unit 216 acquires difference information between the design information received from the host computer 300 and the image information of the main surface of the transaction card D acquired by the image information acquisition unit 214.

[Step S133] The note recognizing processing unit 216 recognizes the note written on the transaction card D based on the difference information.
In addition, ATM200 performs the process after step S140 after step S133.

  As described above, in the automatic transaction system 100, the ATM 200 receives the transaction card D handled in the transaction process, acquires the image of the main surface of the transaction card D, and receives the personal identification number associated with the transaction card D. The memo written on the main surface of the transaction card D is recognized based on the design information representing the prescribed design of the main surface of the transaction card D and the acquired image of the transaction card D. Further, when the host computer 300 receives the personal identification number and the memorandum of the transaction card D from the ATM 200 and properly authenticates the transaction card D based on the personal identification number, the host computer 300 determines whether the personal identification number and the memorandum match. did. Further, the host computer 300 causes the ATM 200 to output a usage stop guide for the transaction card D in accordance with the determination result, thereby terminating the transaction process.

  By using the transaction card discriminating method by the automatic transaction system 100 as described above, the use of the transaction card D to which the personal identification number has been added is stopped, so that the occurrence of unauthorized use by the acquirer of the lost transaction card D can be prevented. It becomes like this.

  Moreover, in such an automatic transaction system 100, since the memo writing recognition processing is performed by the ATM 200, the processing burden on the host computer 300 can be reduced.

  Further, in the second embodiment, the case of a transaction card has been described as an example of the handling medium. However, the handling medium is not limited to the transaction card, and a booklet processing unit such as a bankbook may be used. By newly incorporating an imaging device in 240, the same determination can be made.

[Third Embodiment]
In the third embodiment, the first embodiment (FIG. 2) will be described more specifically. That is, a case where the memo writing recognition process is performed by the host computer will be described as an example. In the following, the same symbols and step numbers as those in the configuration and processing step numbers described in the second embodiment are given.

First, the automatic transaction system of 3rd Embodiment is demonstrated using FIG.
FIG. 12 is a block diagram showing functions of the ATM and the host computer of the automatic transaction system according to the third embodiment.

  As shown in FIG. 12, the automatic transaction system 100a includes an ATM 200a and a host computer 300a that are communicably connected to each other. The ATM 200a further includes a control unit 1210, and the host computer 300a includes a control unit 1310. However, in the automatic transaction system 100a, the function of performing the memo recognizing process for the transaction card D in FIG. 7 is provided as the memo recognizing processing unit 317 in the control unit 1310 of the host computer 300a instead of the control unit 1210 of the ATM 200a. Yes.

  The memo recognition processing unit 317 receives the image information of the main surface of the transaction card D from the ATM 200a, and converts the image information of the main surface of the transaction card D and the design information indicating the prescribed design of the main surface of the transaction card D. Based on this, the memo written on the main surface of the transaction card D is recognized. The design information is inquired by the design information inquiry unit 313. In addition, when such a memo writing recognition process is completed, the memo writing recognition processing unit 317 causes the ATM 200a to transmit a memo writing recognition completion notification to the communication unit 312.

  In the ATM 200a, when the communication unit 218 receives such a note recognition completion notification, the code number acquisition unit 217 acquires the code number received from the user by the input detection unit 220b.

Next, the transaction card discrimination method in the automatic transaction system 100a having such a configuration will be described with reference to FIG.
FIG. 13 is a flowchart showing a transaction card discrimination process executed in the automatic transaction system according to the third embodiment.

[Steps S110 and S120] The card processing unit 230 waits for acceptance of the transaction card D as in the second embodiment.
When the card processing unit 230 accepts the transaction card D, the card processing control unit 211 causes the imaging device 230c (see FIG. 5) of the card processing unit 230 to capture an image of the main surface of the accepted transaction card D, The card reader / writer of the card processing unit 230 is made to read the card ID from the magnetic stripe of the transaction card D.

  The image information acquisition unit 214 acquires image information of the main surface of the transaction card D imaged in this way, and the card ID information acquisition unit 215 stores the card ID information of the transaction card ID read in this way. get.

  [Step S1110] The image information acquisition unit 214 and the card ID information acquisition unit 215 cause the host computer 300a to transmit the acquired image information and card ID information from the communication unit 218.

  [Step S1210] The communication unit 312 receives image information and card ID information from the ATM 200a. The design information inquiry unit 313 refers to the design information holding unit 311 and inquires design information corresponding to the card ID of the transaction card D received from the ATM 200a.

  [Step S1220] The memorandum determination unit 315 is written on the main surface of the transaction card D based on the image information of the main surface of the transaction card D received from the ATM 200a and the design information inquired by the design information inquiry unit 313. Recognize notes.

The memo writing determination unit 315 causes the communication unit 312 to transmit a memo writing completion notification to the ATM 200a when the memo writing recognition is completed.
[Step S140] When the communication unit 218 receives a note recognition completion notification from the host computer 300a, the input information receiving unit 212 waits for the input number to be received by the input detecting unit 220b.

  When the input information reception unit 212 receives the password for the input detection unit 220b and the password acquisition unit 217 acquires the password, the process of the next step S1120 is executed.

[Step S1120] The personal identification number acquisition unit 217 causes the host computer 300a to transmit the personal identification number acquired in step S140 to the communication unit 218.
[Step S1230] The host computer 300a waits to receive a password from the ATM 200a. When receiving the personal identification number, the host computer 300a executes the process of the next step S230.

  The processes executed by the ATM 200a and the host computer 300a after step S160 and step S240 are executed in the same manner as the processes after step S160 and step S240 of the second embodiment.

Next, the processing in step S1220 by the host computer 300a in FIG. 13 will be described with reference to FIG.
FIG. 14 is a flowchart showing a note recognizing process executed by the host computer of the automatic transaction system according to the third embodiment.

  [Step S1221] The note recognition processing unit 317 acquires difference information between the design information inquired by the design information inquiry unit 313 and the image information of the main surface of the transaction card D received from the ATM 200a.

[Step S1222] The note recognition processing unit 317 recognizes the note written on the transaction card D based on the acquired difference information.
[Step S <b> 1223] The note recognition processing unit 317 causes the ATM 200 a to transmit a note authentication completion notification to the communication unit 312.

  In the ATM 200a, when such notification is received, the processing after step S140 in FIG. 13 is executed by the host computer 300a as the processing after step S140 in FIG. 13 is executed.

  As described above, in the automatic transaction system 100a, the ATM 200a receives the transaction card D handled in the transaction process, acquires the image of the main surface of the transaction card D, and receives the personal identification number associated with the transaction card D. I made it. Further, the host computer 300a receives the image of the main surface of the transaction card D from the ATM 200a, and based on the image of the main surface of the transaction card D and the design information representing the prescribed design of the main surface of the transaction card D, Recognizing the memo written on the main surface of the card D, receiving the code number from the ATM 200a, appropriately authenticating the transaction card D based on the code number, and determining the match between the code number and the memo. I did it. Further, the host computer 300a causes the ATM 200a to output a usage card stop guidance for the transaction card D in accordance with the determination result, thereby terminating the transaction process.

  By using the transaction card medium discriminating method by such an automatic transaction system 100a, the use of the transaction card D to which the personal identification number is added is stopped, so that the unauthorized use by the acquirer of the lost transaction card D can be prevented. It becomes like this.

  In the third embodiment, the case of a transaction card has been described as an example of a handling medium. However, the handling medium is not limited to a transaction card, and a booklet medium such as a bankbook can also be used as a bankbook processing unit. It is possible to make a similar determination by newly incorporating an imaging device.

  The above processing functions can be realized by a computer. In that case, a program describing the processing contents of the functions that the computer should have is provided. By executing the program on a computer, the above processing functions are realized on the computer.

  The program describing the processing contents can be recorded on a computer-readable recording medium. Examples of the computer-readable recording medium include a magnetic recording device, an optical disk, a magneto-optical recording medium, and a semiconductor memory. Examples of the magnetic recording device include an HDD, a flexible disk (FD), and a magnetic tape (MT). Optical disks include DVD (Digital Versatile Disc), DVD-RAM, CD-ROM (Compact Disc-Read Only Memory), CD-R (Recordable) / RW (ReWritable), and the like. Magneto-optical recording media include MO (Magneto-Optical disk). Semiconductor memory includes flash memory such as USB (Universal Serial Bus) memory.

  When the program is distributed, for example, a portable recording medium such as a DVD or CD-ROM in which the program is recorded is sold. It is also possible to store the program in a server computer and transfer the program from the server computer to another computer via a network.

  The computer that executes the program stores, for example, the program recorded on the portable recording medium or the program transferred from the server computer in its own storage device. Then, the computer reads the program from its own storage device and executes processing according to the program. The computer can also read the program directly from the portable recording medium and execute processing according to the program. In addition, each time the program is transferred from the server computer, the computer can sequentially execute processing according to the received program.

  Also, part or all of the processing described by the program can be replaced with an electronic circuit. For example, at least a part of the above processing functions may be realized by an electronic circuit such as a DSP (Digital Signal Processor), an ASIC (Application Specific Integrated Circuit), or a PLD (Programmable Logic Device).

Note that various modifications can be made to the above-described embodiment without departing from the gist of the embodiment.
Further, the above-described embodiments can be modified and changed by those skilled in the art, and are not limited to the exact configurations and application examples described.

DESCRIPTION OF SYMBOLS 10 Handling medium discrimination system 20 Automatic transaction apparatus 21 Image acquisition part 22 PIN number reception part 23 Recognition processing part 24 Guidance output part 25 Identification information acquisition part 26,31 Communication part 30 Information processing apparatus 32 Description item determination part 33 Output request part 34 Design information holding section 35 Design information inquiry section

Claims (10)

An image acquisition unit that receives a handling medium handled in transaction processing and acquires an image of a main surface of the handling medium, a password number reception unit that receives a password associated with the handling medium, and the acquired image A recognition processing unit for recognizing description items added to the main surface of the handling medium based on the design information representing a prescribed design of the main surface of the handling medium, a guidance output unit for outputting an arbitrary guidance, And an automatic transaction apparatus for executing the transaction process,
When the code number and the description items of the handling medium are received from the automatic transaction apparatus and the handling medium is authenticated based on the password number, a description item determination for determining whether the code number matches the description items And an output request unit that causes the guidance output unit of the automatic transaction apparatus to output a guide to stop using the handling medium according to the determination result of the description item determination unit,
A handling medium discrimination system comprising: The automatic transaction apparatus further includes an identification information acquisition unit that acquires identification information for identifying the handling medium associated with the handling medium, and notifies the information processing apparatus of the acquired identification information,
When the information processing apparatus receives the identification information from the automatic transaction apparatus, and a design information holding unit that holds the design information for each of the handling media, in association with the identification information of the handling medium, the design information A design information inquiry unit that refers to the design information corresponding to the identification information with reference to a holding unit, notifies the automated transaction apparatus of the inquired design information, and causes the recognition processing unit to recognize the description items; Further having
The handling medium discrimination system according to claim 1 characterized by things. The recognition processing unit recognizes the description items based on a difference between the acquired image and the design information representing a prescribed design of a main surface of the handling medium.
The handling medium discrimination system according to claim 1 characterized by things. The automatic transaction apparatus accepts a handling medium handled in transaction processing, obtains an image of the main surface of the handling medium, accepts a personal identification number associated with the handling medium, and obtains the acquired image and the Based on the design information representing the prescribed design of the main surface of the handling medium, recognize the description items added to the main surface of the handling medium,
When the information processing apparatus receives the personal identification number and the description of the handling medium from the automatic transaction apparatus and authenticates the handling medium based on the personal identification number, the information processing apparatus determines that the personal identification number and the description are consistent. According to the determined determination result, the guide output unit that outputs an arbitrary guide of the automatic transaction apparatus is made to output a guide to stop using the handling medium,
A method of discriminating handling media, characterized in that In an automatic transaction apparatus that is connected to an information processing apparatus so as to be communicable and accepts a handling medium handled in transaction processing, and executes the transaction processing,
An image acquisition unit for acquiring an image of the main surface of the received handling medium;
A personal identification number receiving unit for receiving a personal identification number associated with the handling medium;
A recognition processing unit for recognizing a description added to the main surface of the handling medium based on the acquired image and design information representing a prescribed design of the main surface of the handling medium;
Guidance output for outputting the guidance for canceling the use of the handling medium according to the determination result that the information processing apparatus authenticates the handling medium based on the code number and the match between the code number and the description item is determined. And
An automatic transaction apparatus comprising: An image acquisition unit that receives a handling medium handled in transaction processing and acquires an image of a main surface of the handling medium, a code number reception unit that receives a code number associated with the handling medium, and arbitrary guidance A guidance output unit for outputting, and an automatic transaction apparatus for executing the transaction process,
Receiving the image of the main surface of the handling medium from the automatic transaction apparatus, and based on the image of the main surface of the handling medium and design information representing a prescribed design of the main surface of the handling medium; A recognition processing unit for recognizing a description item added to the main surface of the device, and receiving the personal identification number from the automatic transaction apparatus and authenticating the handling medium based on the personal identification number. A description item determination unit that determines the match, and an output request unit that causes the guidance output unit of the automatic transaction apparatus to output a guide to stop using the handling medium according to a determination result of the description item determination unit. An information processing apparatus,
A handling medium discrimination system comprising: The automatic transaction apparatus further includes an identification information acquisition unit that acquires identification information for identifying the handling medium associated with the handling medium, and notifies the information processing apparatus of the acquired identification information,
The information processing device receives the identification information from the automatic transaction device, and a design information holding unit that holds design information representing a specified design for each of the handling media, in association with the identification information of the handling media. The design information holding unit is referred to inquire about the design information corresponding to the identification information, the inquired design information is notified to the automatic transaction apparatus, and the recognition processing unit recognizes the description items. A design information inquiry unit;
The handling medium discriminating system according to claim 6. The recognition processing unit recognizes the description items based on a difference between the acquired image and the design information representing a prescribed design of a main surface of the handling medium.
The handling medium discriminating system according to claim 6. The automatic transaction apparatus accepts a handling medium handled in transaction processing, acquires an image of the main surface of the handling medium, accepts a personal identification number associated with the handling medium,
The information processing apparatus receives the image of the main surface of the handling medium from the automatic transaction apparatus, and converts the image of the main surface of the handling medium and design information representing a prescribed design of the main surface of the handling medium. Based on the identification number added to the main surface of the handling medium, the code number is received from the automatic transaction apparatus, and the handling medium is authenticated based on the code number, the code number and the description According to the determination result of determining a match with the matter, the guidance output unit that outputs an arbitrary guidance of the automatic transaction apparatus outputs a guidance to cancel the use of the handling medium.
A method of discriminating handling media, characterized in that In an automatic transaction apparatus that is connected to an information processing apparatus so as to be communicable and accepts a handling medium handled in transaction processing, and executes the transaction processing,
An image acquisition unit for acquiring an image of the main surface of the received handling medium;
A personal identification number receiving unit for receiving a personal identification number associated with the handling medium;
Based on the image of the main surface of the handling medium and design information representing a prescribed design of the main surface of the handling medium, the information processing apparatus recognizes a description added to the main surface of the handling medium. A guide output unit for outputting a guide to cancel the use of the handling medium according to a determination result in which the handling medium is authenticated based on the password and the match between the password and the description is determined;
An automatic transaction apparatus comprising:

Images