JP2015125717A - Consumer transaction facility and bullion realization processing method for the same - Google Patents

Abstract

PROBLEM TO BE SOLVED: To maintain safety of realization processing of a bullion.SOLUTION: A consumer transaction facility 10 is configured so that, a record medium 2a of a bullion card 2 having a bullion 2b of noble metal records second account information and weight information of the bullion 2b, and a card information acquisition part 14 acquires first account information of a financial card 1, the second account information of the bullion card 2, and the weight information, and a bullion realization part 16 performs realization of a sum corresponding to the weight information, based on the weight information, when an account information determination part 15 determines matching of the first account information and second account information. Therefore, in the consumer transaction facility 10, a person who acquired the bullion card 2 dishonestly, cannot perform realization of the bullion 2b of the bullion card 2 by setting himself/herself up as an owner of the bullion card 2. Therefore the consumer transaction facility 10 can perform realization processing in a state that safety of realization transaction is maintained.

Description

  The present invention relates to an automatic transaction apparatus and a bullion cashing method for the automatic transaction apparatus.

  In financial institutions such as banks and credit sales companies, ATMs (Automatic Teller Machines) that perform financial transactions and automatic transaction devices such as cashing devices are used. The automatic transaction apparatus can accept a financial card such as a cash card or a credit card, and can automatically perform a financial transaction based on an operation input from a customer.

  By the way, precious metals such as gold, platinum and silver are distributed as bullion (metal soul), and sales transactions are performed at the exchange rate (price per weight) of the weight at that time. Such bullion transactions are conducted manually by precious metal management companies. At this time, a precious metal bullion can be provided in a card (bullion card) including a recording medium such as an IC chip and handled by the bullion card (see, for example, Patent Document 1). For this reason, handling property of bullion is improved, and information such as a precious metal management company and a transaction history can be recorded on the IC chip.

  Therefore, by handling such a bullion card with an automatic transaction device, it becomes possible to automatically execute cash payment based on the exchange rate from the weight of the bullion without any human intervention. Processing becomes easy and convenience can be improved.

JP 2009-140427 A

  However, when the automatic transaction apparatus uses the above bullion card to execute the bullion cashing process, for example, the cashing process is executed by impersonation, and the bullion card from which the bullion is extracted is cashed. There is a possibility that fraud such as cash is obtained by executing the process.

  This invention is made in view of such a point, Comprising: It aims at providing the automatic transaction apparatus in which the safety | security of the bullion cashing transaction was maintained, and the bullion cashing processing method of an automatic transaction apparatus. .

  According to one aspect of the present invention, in an automatic transaction apparatus that accepts a financial card and executes a financial transaction with a financial institution, a record in which first account information related to an account provided in the accepted financial card is recorded. Obtaining the first account information from a medium, receiving a bullion card comprising a precious metal bullion, comprising a recording medium in which second account information relating to the account and weight information of the bullion are recorded, Whether the card information acquisition unit that acquires the second account information and the weight information from the recording medium of the gold card matches the first account information acquired by the card information acquisition unit and the second account information When the account information determination unit that determines whether or not the account information determination unit determines that the first account information matches the second account information, the weight information is converted into an amount corresponding to the weight information. You Automatic transaction apparatus is provided with a bare metal cash unit.

According to one aspect of the present invention, a cash processing method performed by the automatic transaction apparatus is provided.
According to another aspect of the present invention, an automatic transaction apparatus that accepts a financial card and executes a financial transaction with a financial institution comprises a precious metal bullion and is associated with the owner of the financial card. A card information acquisition unit that receives a bullion card including a recording medium in which identification information and weight information of the bullion are recorded, and acquires the identification information and the weight information from the recording medium; and There is provided an automatic transaction apparatus having an identification information holding unit to be held and a cash payment unit for paying a cash amount corresponding to the weight information.

  According to the disclosed technology, it is possible to prevent illegal cash exchange transactions of bullion.

It is a conceptual diagram of the automatic transaction apparatus which concerns on 1st Embodiment. It is a figure which shows an example of the automatic transaction system which concerns on 2nd Embodiment. It is a figure which shows the hardware structural example of the automatic transaction apparatus which concerns on 2nd Embodiment. It is a figure which shows the hardware structural example of the card processing unit with which the automatic transaction apparatus which concerns on 2nd Embodiment is provided. It is a figure which shows the hardware structural example of the financial host computer and bullion host computer which concern on 2nd Embodiment. It is a functional block diagram which shows the function with which the automatic transaction apparatus which concerns on 2nd Embodiment is provided. It is a functional block diagram which shows the function with which the financial host computer and bullion host computer which concern on 2nd Embodiment are provided. It is a flowchart (the 1) which shows the bullion cashing process performed with the automatic transaction system which concerns on 2nd Embodiment. It is a flowchart (the 2) which shows the bullion cashing process performed with the automatic transaction system which concerns on 2nd Embodiment. It is a flowchart (the 3) which shows the bullion exchange process performed with the automatic transaction system which concerns on 2nd Embodiment. It is a flowchart (the 4) which shows the bullion cashing process performed with the automatic transaction system which concerns on 2nd Embodiment. It is FIG. (1) which shows the example of a display screen displayed on an automatic transaction apparatus at the time of the bullion cashing process performed with the automatic transaction system which concerns on 2nd Embodiment. It is FIG. (2) which shows the example of a display screen displayed on an automatic transaction apparatus at the time of the bullion cashing process performed with the automatic transaction system which concerns on 2nd Embodiment. It is FIG. (3) which shows the example of a display screen displayed on an automatic transaction apparatus at the time of bullion cashing process performed with the automatic transaction system which concerns on 2nd Embodiment. It is a functional block diagram which shows the function with which the automatic transaction apparatus which concerns on 3rd Embodiment is provided. It is a flowchart which shows the bullion cashing process performed with the automatic transaction system which concerns on 3rd Embodiment.

Hereinafter, embodiments will be described with reference to the drawings.
[First Embodiment]
The automatic transaction apparatus of 1st Embodiment is demonstrated using FIG.

FIG. 1 is a conceptual diagram of an automatic transaction apparatus according to the first embodiment.
1A shows the automatic transaction apparatus, and FIG. 1B shows the case where the financial card and the bullion card have different account information.

  The automatic transaction apparatus 10 receives the financial card 1 and executes a financial transaction with a financial institution. As shown in FIG. 1A, the financial card information holding unit 11 and the bullion card information A holding unit 12 is provided. The automatic transaction apparatus 10 further includes a recording medium reading unit 13, a card information acquisition unit 14, an account information determination unit 15, a bullion cashing unit 16, and a payment unit 17.

The financial card 1 includes a recording medium 1a on which account information related to an account is recorded. The recording medium 1a is, for example, a magnetic stripe or an IC chip.
The bullion card 2 includes a precious metal bullion 2b and includes a recording medium 2a on which account information relating to an account and bullion weight information are recorded. The recording medium 2a is, for example, a magnetic stripe or an IC chip.

  The financial card information holding unit 11 holds information (account information or the like) recorded on the recording medium 1a of the financial card 1 received by the automatic transaction apparatus 10 and acquired by a card information acquisition unit 14 described later.

  The bullion card information holding unit 12 receives information (account information, weight information of the bullion 2b) recorded on the recording medium 2a of the bullion card 2 received by the automatic transaction apparatus 10 and acquired by the card information acquisition unit 14 described later. Etc.).

  The recording medium reading unit 13 reads account information from the recording medium 1 a of the financial card 1 received by the automatic transaction apparatus 10. The recording medium reading unit 13 receives the bullion card 2 and reads account information and weight information of the bullion 2b from the recording medium 2a of the bullion card 2. Such a recording medium reading unit 13 is, for example, a card processing device or the like.

  The card information acquisition unit 14 acquires the account information of the financial card 1 read by the recording medium reading unit 13, the account information of the bullion card 2, the weight information of the bullion 2b, and the like. The card information acquisition unit 14 causes the financial card information holding unit 11 to hold the account information acquired from the financial card 1, and stores the account information and weight information acquired from the bullion card 2 in the bullion card information holding unit 12. Hold.

The account information determination unit 15 determines whether or not the account information of the financial card 1 acquired by the card information acquisition unit 14 matches the account information of the bullion card 2.
When the account information determination unit 15 determines that the account information of the financial card 1 matches the account information of the bullion card 2, the bullion cashing unit 16 converts the weight information into cash corresponding to the weight information. .

The payment unit 17 pays cash of the cash amount calculated by the bullion cashing unit 16. Such a payment part 17 is a banknote processing apparatus etc., for example.
Note that at least the card information acquisition unit 14, the account information determination unit 15, and the bullion cashing unit 16 of the automatic transaction apparatus 10 are executed by a CPU (Central Processing Unit) (not shown) included in the automatic transaction apparatus 10. Thus, the processing function is realized.

Next, the cashing process executed by the automatic transaction apparatus 10 having such a configuration will be described.
First, for example, “123” is recorded as account information on the recording medium 1 a of the financial card 1. The owner (customer) of the financial card 1 owns the bullion card 2 provided with the bullion 2b to be converted. On the recording medium 2 a of the bullion card 2, account information (“123”) that matches the financial card 1 is recorded.

  The customer inserts the financial card 1 into the recording medium reading unit 13 of the automatic transaction apparatus 10. Then, the recording medium reading unit 13 receives the financial card 1 and reads account information (“123”) from the recording medium 1 a of the financial card 1.

  Subsequently, when the customer inserts the bullion card 2 into the recording medium reading unit 13 of the automatic transaction apparatus 10, the recording medium reading unit 13 accepts the bullion card 2 and stores the account from the recording medium 2 a of the bullion card 2. Information ("123") and weight information are read.

  The card information acquisition unit 14 acquires the account information of the financial card 1 read by the recording medium reading unit 13 and the account information and weight information of the bullion card 2 to obtain the financial card information holding unit 11 and the bullion card information. Each of the holders 12 holds it.

  The account information determination unit 15 refers to the financial card information holding unit 11 and the bullion card information holding unit 12 to obtain the account information of the financial card 1 and the account information of the bullion card 2 acquired by the card information acquisition unit 14. In both cases, “123” is determined to match.

  When the account information determination unit 15 determines that the account information of the financial card 1 and the account information of the bullion card 2 match, the bullion cashing unit 16 converts the weight information into cash corresponding to the weight information.

  The payment unit 17 pays the customer the cash redeemed by the bullion cashing unit 16. Note that the payment is made to the customer by withdrawing the converted cash directly to the customer or depositing it into the customer's account.

The bullion card 2 including the bullion 2b for which the cashing process has been completed is collected in the automatic transaction apparatus 10.
Next, a case will be described in which a person who has illegally acquired the above-mentioned bullion card 2 (a fraudulent person) uses the automatic transaction apparatus 10 for cashing with his / her financial card.

For example, as shown in FIG. 1B, the financial card 1 owned by the fraudster is provided with a recording medium 1a on which account information (“789”) is recorded.
In such a case, the fraudster inserts the financial card 1 into the recording medium reading unit 13 of the automatic transaction apparatus 10 as described above. Then, the recording medium reading unit 13 reads account information (“789”) from the received recording medium 1 a of the financial card 1.

  Subsequently, when the fraudster inserts the bullion card 2 into the recording medium reading unit 13 of the automatic transaction apparatus 10, the recording medium reading unit 13 reads the account information (“123” from the recording medium 2 a of the received bullion card 2. )) And weight information.

  The card information acquisition unit 14 acquires the account information of the financial card 1 read by the recording medium reading unit 13 and the account information and weight information of the bullion card 2, and holds the financial card information holding unit 11 and the bullion card information. It is made to hold to each part 12.

  The account information determination unit 15 refers to the financial card information holding unit 11 and the bullion card information holding unit 12, and the account information (“789”) of the financial card 1 acquired by the card information acquisition unit 14 and the bullion card 2. It is determined that the account information (“123”) does not match.

  In the automatic transaction apparatus 10, when the account information determination unit 15 determines that the account information of the financial card 1 and the account information of the bullion card 2 do not match, the bullion cashing unit 16 does not perform the cashing process, for example, the financial information The card 1 notifies that the bullion 2b of the bullion card 2 cannot be exchanged.

  As described above, the automatic transaction apparatus 10 records the second account information and the weight information of the bullion 2b on the recording medium 2a of the bullion card 2 provided with the precious metal bullion 2b, and the card information. The acquisition unit 14 acquires the first account information of the financial card 1 and the second account information and weight information of the bullion card 2, and the bullion cashing unit 16 causes the account information determination unit 15 to When the match with the second account information is determined, the cash is converted from the weight information to the cash corresponding to the weight information.

  Thereby, in the automatic transaction apparatus 10, the bullion 2b can be converted from only the bullion card 2 having the account information matching the financial card 1. In other words, a person who has illegally obtained a bullion card 2 can impersonate the owner of the bullion card 2 and cannot convert the bullion card 2 b of the bullion card 2, thereby maintaining the security of the cash transaction. In this state, the automatic transaction apparatus 10 can execute the cashing process.

  By the way, in the above, the recording medium 2a of the bullion card 2 retains identification information for identifying the owner of the financial card 1 and the bullion card 2 in place of the account information, thereby enhancing the safety of the cash transaction. It is also possible to keep.

  In this case, in the automatic transaction apparatus 10, if the cash card 1 is used to perform the cashing process for the bullion card 2 from which the bullion card 2 b has been illegally extracted by the owner of the financial card 1, The card 2 is collected inside the automatic transaction apparatus 10, and the owner can illegally acquire the cash of the cash amount.

  However, after that, when the clerk inspects the bullion card 2 collected in the automatic transaction apparatus 10 and finds the bullion card 2 from which the bullion 2b is extracted, the recording medium 2a of the bullion card 2 is detected. The owner (unauthorized person) of the bullion card 2 can be specified based on the identification information recorded on the card. By providing such a function, it is possible to promote fraud prevention of the cash transaction and maintain the safety of the cash transaction.

[Second Embodiment]
Hereinafter, in the second embodiment, the first embodiment will be described more specifically.
First, an automatic transaction system will be described with reference to FIG.

FIG. 2 is a diagram illustrating an example of an automatic transaction system according to the second embodiment.
As shown in FIG. 2, in the automatic transaction system 100, an automatic transaction apparatus 200, a financial host computer 300, and a bullion host computer 400 are connected via a network 500 so as to be able to communicate with each other.

  The automatic transaction apparatus 200 is an ATM used in a bank, a cashing apparatus used in a credit sales company, or the like, and can accept a financial card and execute a financial transaction based on an operation input from a customer.

The financial host computer 300 manages information on each customer, financial transactions executed by the automatic transaction apparatus 200, and the like.
The bullion host computer 400 manages the bullion owner (purchaser), the exchange rate of bullion sales, and the like.

Next, the detail of each part which comprises such an automatic transaction system 100 is demonstrated.
First, the hardware configuration of the automatic transaction apparatus 200 will be described with reference to FIG.
FIG. 3 is a diagram illustrating a hardware configuration example of the automatic transaction apparatus according to the second embodiment.

3A shows the appearance of the automatic transaction apparatus, and FIG. 3B shows the hardware configuration of the automatic transaction apparatus.
The automatic transaction apparatus 200 includes a control unit 210 that controls processing executed by the automatic transaction apparatus 200, and a display unit 220 that receives an operation input from a customer and displays a reception screen or the like. Also, a card processing unit 230 for inserting / extracting a cash card or the like from the card insertion / discharge port 230a, a passbook processing unit 240 for inserting / extracting a passbook from / to the passbook insertion / discharge port 240a, and a coin to / from the coin deposit / withdrawal port 250a It has a coin processing unit 250 for depositing money and a bill processing unit 260 for depositing / withdrawing banknotes from a banknote deposit / withdrawal port 260a.

  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, a financial communication control unit 210f, and a bullion communication control unit 210g. These parts are connected to each other by a bus 210h.

The CPU 210a comprehensively controls the entire automatic transaction apparatus 200 by executing various programs stored in a recording medium such as the HDD 210c.
The RAM 210b temporarily stores at least a part of the OS and programs executed by the CPU 210a. The RAM 210b stores various data necessary for processing by the CPU 210a.

  The HDD 210c stores programs such as an OS and applications on the automatic transaction apparatus 200. The HDD 210c stores setting information for the automatic transaction apparatus 200 and various information necessary for processing by the CPU 210a.

  A display unit 221 of the display unit 220 is connected to the graphic processing unit 210d. The graphic processing unit 210d displays a predetermined screen on the display 221 of the display unit 220 in accordance with a command from the CPU 210a.

  A touch panel 222 of the display unit 220, a card processing unit 230, a passbook processing unit 240, a coin processing unit 250, and a 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 210h, and similarly notifies the CPU 210a of a signal from each unit.

  The financial communication control unit 210f is communicably connected via a financial host computer 300 that manages the automatic transaction apparatus 200, and transmits and receives signals to and from the financial host computer 300.

  The bullion communication control unit 210g is communicably connected via a bullion host computer 400 that manages bullion and performs transmission / reception with respect to the bullion host computer 400.

Subsequently, each unit other than the control unit 210 will be described.
The display unit 220 includes a display 221 and a touch panel 222, and is connected to the graphic processing unit 210d and the input / output interface 210e, respectively.

The display 221 displays a screen based on the screen information from the graphic processing unit 210d.
The touch panel 222 detects a customer touch on the screen displayed on the display 221. The transaction content displayed at the touch position on the screen detected by the touch panel 222 is executed by the CPU 210 a of the control unit 210.

  The card processing unit 230 executes processing such as reading of information on the financial card and the bullion card inserted by the customer from the card insertion / discharge port 230a. Further, the card processing unit 230 performs processing such as transporting a financial card and a bullion card, discharging the card from the card insertion / discharge port 230a, and returning it to the customer. Details of the configuration of the card processing unit 230 will be described later.

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

  The coin processing unit 250 and the banknote processing unit 260, according to the transaction executed by the automatic transaction apparatus 200, deposit or withdraw coins and banknotes corresponding to the amount based on the transaction format. It performs with respect to the mouthpiece 260a.

Next, details of the configuration of the card processing unit 230 will be described with reference to FIG.
FIG. 4 is a diagram illustrating a hardware configuration example of a card processing unit included in the automatic transaction apparatus according to the second embodiment.

  4A shows a block diagram showing functions provided in the card processing unit 230, and FIGS. 4B and 4C show examples of plan views of a financial card and a bullion card, respectively. .

  As shown in FIG. 4A, the card processing unit 230 includes a conveyance path 230b extending from the card insertion / discharge port 230a to the inside of the unit, and a conveyance roller 230c for conveying the conveyance path 230b to the inside or outside. Prepare. The card processing unit 230 reads information from the magnetic stripe of the card transported through the transport path 230b, or reads information from the IC chip of the card, similarly to the magnetic reader / writer unit 230d that writes information to the magnetic stripe, or IC An IC reader / writer unit 230e for writing information to the chip is provided. The card processing unit 230 is provided at the end of a retreat path 230b1 branched from the transport path 230b, and includes a retreat unit 230f that temporarily retreats the card and a collection unit 230g that collects the card. Further, the card processing unit 230 controls the transport roller 230c, the magnetic reader / writer unit 230d, and the IC reader / writer unit 230e to transport, eject, evacuate, and collect the received card, and to read and write information. The control part 230h to be provided is provided.

  Such a card processing unit 230 includes the evacuation unit 230f, so that the second card can be received while the first card is evacuated to the evacuation unit 230f. be able to. For example, the accepted financial card can be temporarily saved in the saving unit 230f, and a bullion card can be accepted.

  As shown in FIG. 4B, the financial card 1000 has a magnetic stripe 1003 in which an account number, financial information (for example, bank and branch number information for a bank), etc. are recorded on a card medium 1001. Is provided. The financial card 1000 may be provided with an IC chip in which an account number, financial information, and the like are recorded on the card medium 1001 instead of the magnetic stripe 1003.

  As shown in FIG. 4C, the bullion card 2000 has a gold (precious metal) bullion 2002 having a weight of 2 g attached to the card medium 2001, and the financial card of the owner of the bullion 2002, for example. An IC chip 2003 in which weight information of the bare metal 2002 such as an account number matching 1000 is recorded is provided. The bullion card 2000 may be provided with a magnetic stripe in which an account number, financial information, and the like are recorded on the card medium 2001 in place of the IC chip 2003 in the same manner as the financial card 1000.

Next, the hardware configuration of the financial host computer 300 and the bullion host computer 400 will be described with reference to FIG.
FIG. 5 is a diagram illustrating a hardware configuration example of the financial host computer and the bullion host computer according to the second embodiment.

Since the financial host computer 300 and the bullion host computer 400 have the same configuration, FIG. 5 also shows each configuration.
Similarly to the automatic transaction apparatus 200, the financial host computer 300 and the bullion host computer 400 are a CPU 310a / 410a, a RAM 310b / 410b, a graphic processing unit 310d / 410d to which a display 321/421 of a display unit 320/420 is connected, An input / output interface 310e / 410e to which the touch panel 322/422 of the display unit 320/420 is connected, and a communication control unit 310f / 410f that performs communication with the automatic transaction apparatus 200 are provided with each other via the network 500. Yes. These parts are connected to each other by buses 310h / 410h.

Next, the function with which each apparatus of the automatic transaction system 100 is provided is demonstrated.
First, the automatic transaction apparatus 200 will be described with reference to FIG.
FIG. 6 is a functional block diagram showing functions provided in the automatic transaction apparatus according to the second embodiment.

FIG. 6A shows the functions of the automatic transaction apparatus, and FIGS. 6B to 6D show the information of the automatic transaction apparatus.
As shown in FIG. 6A, the automatic transaction apparatus 200 includes an exchange rate information holding unit 201, a financial card information holding unit 202, a bullion card information holding unit 203, and a cash completion information holding unit 204.

The exchange rate information holding unit 201 holds information about the exchange rate (price per gram) of the bullion when the automatic transaction apparatus 200 converts the bullion.
As shown in FIG. 6B, the financial card information holding unit 202 holds the account number and financial information recorded in the magnetic stripe 1003 of the financial card 1000 read by the automatic transaction apparatus 200.

  As shown in FIG. 6 (C), the bullion card information holding unit 203 stores the account number, financial information, and bullion recorded on the IC chip 2003 of the bullion card 2000 read by the automatic transaction apparatus 200. The card ID (card identification information) for identifying the card 2000 and the weight information of the bare metal 2002 are held.

  As shown in FIG. 6D, the cash completion information holding unit 204 includes the card ID of the bullion card 2000 that has been redeemed so far and the bullion 2002 of the bullion card 2000 in the current cash transaction. Along with the weight information, information on the total weight (total cash amount) of the cashed bullion 2002 and information on the total cash amount of the cashed bullion 2002 is held. In the case of FIG. 6D, a bullion card 2000 with a card ID “1” and a weight “2 g”, a bullion card 2000 with a card ID “2” and a weight “3 g”, The bullion card 2000 with the card ID “3” and the weight “2 g” has been redeemed. Furthermore, the total cash amount is “7 g”, and the total cash amount is “31,038 yen”.

  As shown in FIG. 6A, the automatic transaction apparatus 200 further includes a display processing unit 205, an input receiving unit 206, a card processing control unit 207, a withdrawal processing control unit 208, a transmitting unit 209, and a receiving unit 211. , A money amount calculation unit 212, a card verification unit 213, and a cash processing control unit 214.

The display processing unit 205 displays a display screen in the cashing process on the display 221 of the display unit 220 based on the display request from the cashing process control unit 214.
The input receiving unit 206 receives an input signal from the touch panel 222 of the display unit 220 and notifies the cashing process control unit 214 of the input signal.

  The card processing control unit 207 controls the operation of the card processing unit 230, conveys the financial card 1000 and the bullion card 2000 to the inside, and reads information from the magnetic stripe 1003 and the IC chip 2003. Transport to 230 g or the like.

  The withdrawal processing control unit 208 controls the coin processing unit 250 and the banknote processing unit 260 based on the withdrawal control signal from the cashing processing control unit 214 to withdraw coins and banknotes corresponding to the cash amount.

The transmission unit 209 transmits information to the financial host computer 300 and the bullion host computer 400 based on the transmission request from the cashing process control unit 214.
The receiving unit 211 receives information transmitted from the financial host computer 300 and the bullion host computer 400 and notifies the cashing process control unit 214.

  The money amount calculation unit 212 calculates the cash amount from the weight information of the bullion card information holding unit 203 based on the exchange rate of the exchange rate information holding unit 201 based on the cash amount calculation request from the cash processing control unit 214. .

  The card verification unit 213 holds the account number and financial information of the financial card 1000 held in the financial card information holding unit 202 and the bullion card information holding unit 203 based on the card verification request from the cash processing control unit 214. The account number of the bullion card 2000 and the financial information are collated.

Next, functions of the financial host computer 300 and the bullion host computer 400 will be described with reference to FIG.
FIG. 7 is a functional block diagram illustrating functions of the financial host computer and the bullion host computer according to the second embodiment.

7A shows a functional block diagram of the financial host computer 300, and FIG. 7B shows a functional block diagram of the bullion host computer 400.
As shown in FIG. 7A, the financial host computer 300 includes an account information holding unit 301, a receiving unit 302, a cashability determination control unit 303, and a transmitting unit 304.

The account information holding unit 301 holds in advance information such as an account number, financial information, and a PIN number related to a customer account for each account.
The receiving unit 302 receives information (account number, financial information, password, etc.) transmitted from the automatic transaction apparatus 200.

  The cashability determination control unit 303 refers to the account information holding unit 301 to confirm that the account number, financial information, and the like transmitted from the automatic transaction apparatus 200 exist, and collates it with the password entered by the customer. If they match, it is determined that they can be redeemed. If they do not exist, or if the PIN numbers do not match, it is determined that they cannot be redeemed.

The transmitting unit 304 transmits the result of determining whether or not the money can be converted to the automatic transaction device 200.
Further, as shown in FIG. 7B, the bullion host computer 400 includes a card ID information holding unit 401, a receiving unit 402, an authentication control unit 403, and a transmitting unit 404.

The card ID information holding unit 401 holds information on the card ID of the bullion card 2000 in advance.
The receiving unit 402 receives information (card ID) transmitted from the automatic transaction apparatus 200.

  The authentication control unit 403 refers to the card ID information holding unit 401 and confirms the presence or absence of the card ID of the bullion card 2000 received from the automatic transaction apparatus 200, and authenticates the bullion card 2000.

  As the card ID of the bullion card 2000, for example, a plurality of pieces of identification information expressed by characters, numbers, etc. are stored. The authentication control unit 403 refers to the card ID information holding unit 401 and determines whether or not all the identification information of the card ID of the bullion card 2000 received from the automatic transaction apparatus 200 exists. Authenticate.

The transmission unit 404 transmits the authentication result of the bullion card 2000 authenticated by the authentication control unit 403 to the automatic transaction apparatus 200.
Next, the bullion cashing process executed in the automatic transaction system 100 will be described with reference to FIGS. 8 to 11 and FIGS. 12 to 14.

FIGS. 8-11 is a flowchart which shows the bullion exchange process performed with the automatic transaction system which concerns on 2nd Embodiment.
FIGS. 12-14 is a figure which shows the example of a display screen displayed on an automatic transaction apparatus at the time of the bullion cashing process performed with the automatic transaction system which concerns on 2nd Embodiment.

[Step S11] The display processing unit 205 displays a transaction selection screen as shown in FIG. 12 on the display 221, for example, and waits for a transaction selection from a customer.
[Step S12] When the input accepting unit 206 accepts an operation input of “bulb cash (FIG. 12)” on the touch panel 222, the process of step S13 is executed, and if another transaction is accepted, the transaction is accepted. Another transaction is performed, and then the process returns to step S11 (step S12).

  [Step S13] The cashing process control unit 214 displays a reception request screen (not shown) for the financial card 1000 on the display 221 from the display processing unit 205, and the financial card from the card insertion / discharge port 230a of the card processing unit 230. 1000 is accepted.

  The card processing control unit 207 causes the control unit 230h of the card processing unit 230 to control the received financial card 1000 to the position of the magnetic reader / writer unit 230d on the transport path 230b by the transport roller 230c.

  [Step S14] The card processing control unit 207 causes the card processing unit 230 to read the account number and financial information from the magnetic stripe 1003 of the accepted financial card 1000 by the magnetic reader / writer unit 230d.

  [Step S15] The cash process control unit 214 receives a notification from the card process control unit 207 as to whether or not the card processing unit 230 has successfully executed the reading process on the financial card 1000.

  When the cash process control unit 214 is notified by the card process control unit 207 that the reading process is not normal (reading error), the cash process control unit 214 executes the process of step S16 and confirms that the reading process has been executed normally. When notified, the account encryption and financial information read in step S14 are held in the financial card information holding unit 202, and the process of step S17 is executed.

  [Step S16] The cashing process control unit 214 causes the display processing unit 205 to display on the display 221 that a reading error of the financial card 1000 has occurred (not shown) and guides the customer.

Thereafter, the cashing process control unit 214 executes the process of step S38.
[Step S17] The cashing process control unit 214 displays a reception request screen (not shown) for the bullion card 2000 on the display 221 from the display processing unit 205, and the card processing / deleting port 230a of the card processing unit 230 receives the card. Accept gold card 2000.

  The card processing control unit 207 causes the control unit 230h of the card processing unit 230 to control the financial card 1000 to be retracted from the retreat path 230b1 branched from the transport path 230b to the retreat unit 230f, and then the received land The gold card 2000 is transported by the transport roller 230c to the position of the IC reader / writer unit 230e on the transport path 230b.

  [Step S18] The card processing control unit 207 causes the card processing unit 230 to read the account number, financial information, card ID, and weight information from the IC chip 2003 of the received bullion card 2000 by the IC reader / writer unit 230e.

  [Step S <b> 19] The cashing process control unit 214 receives a notification from the card processing control unit 207 as to whether or not the card processing unit 230 has successfully read the bullion card 2000.

  When the cash processing control unit 214 is notified by the card processing control unit 207 that the reading process is not normal (reading error), the cashing process control unit 214 executes the process of step S20 and confirms that the reading process has been executed normally. When notified, the account encryption, financial information, card ID, and weight information read in step S18 are held in the bullion card information holding unit 203, and the process of step S21 is executed.

  [Step S20] The cash process control unit 214 causes the display processing unit 205 to display on the display 221 that a reading error of the bullion card 2000 has occurred (not shown) and guides the customer.

Thereafter, the cashing process control unit 214 executes the process of step S40.
[Step S <b> 21] The cashing process control unit 214 displays a personal identification number acceptance request screen (not shown) on the display 221 from the display processing unit 205, and accepts a personal identification number operation input from the customer to the touch panel 222.

The cashing process control unit 214 acquires the password received from the touch panel 222 from the input receiving unit 206.
[Step S22] The cash process control unit 214 refers to the card verification unit 213 for the financial card information holding unit 202 and the bullion card information holding unit 203, and the account number and financial information of the financial card 1000 read in step S14. The account number of the bullion card 2000 read in step S18 is compared with the financial information.

[Step S <b> 23] The cashing process control unit 214 determines whether or not they match based on the verification result of the card verification unit 213.
The cashing process control unit 214 executes the process of step S24 when determining that they match, and executes the process of step S40 when determining that they do not match.

  [Step S24] The cashing process control unit 214 transmits a cashability determination request from the transmission unit 209 to the financial host computer 300 together with the personal identification number, account number, and financial information of the financial card 1000.

[Step S111] In the financial host computer 300, the receiving unit 302 receives a password, an account number, and financial information.
[Step S112] With reference to the account information holding unit 301, the cashability determination control unit 303 confirms that the password, account number, and financial information received in step S111 exist, and the password entered by the customer Is matched, it is determined that the money can be exchanged. If it does not exist, or if the passwords do not match, it is judged that the money cannot be exchanged.

[Step S113] The exchangeability determination control unit 303 causes the transmission unit 304 to transmit the exchangeability determination result of step S112 to the automatic transaction apparatus 200.
[Step S <b> 25] In the automatic transaction apparatus 200, the cashing process control unit 214 determines whether or not cashing is possible based on the cashability determination result received by the receiving unit 211.

The cashing process control unit 214 executes the process of step S26 when it is determined that cashing is possible, and executes the process of step S39 when it is determined that cashing is not possible.
[Step S <b> 26] The cashing process control unit 214 transmits an authentication request for the bullion card 2000 from the transmission unit 209 to the bullion host computer 400 together with the card ID of the bullion card 2000.

[Step S211] In the bullion host computer 400, the receiving unit 402 receives the card ID.
[Step S <b> 212] The authentication control unit 403 refers to the card ID information holding unit 401 and performs verification of a card ID configured by a plurality of pieces of identification information received in step S <b> 211. The authentication control unit 403 determines that the bullion card 2000 is appropriate when all of a plurality of pieces of identification information constituting the card ID can be verified, and if the verification cannot be performed, the bullion card 2000 is inappropriate. And authenticate each.

[Step S213] The authentication control unit 403 notifies the automatic transaction apparatus 200 of the authentication result of step S212 from the transmission unit 404.
[Step S <b> 27] In the automatic transaction apparatus 200, the cash processing control unit 214 determines the authentication result from the bullion host computer 400 received by the receiving unit 211.

  The cash process control unit 214 executes the process of step S28 when the bullion card 2000 is appropriate (authentication OK), and executes the process of step S40 when the bullion card 2000 is inappropriate.

  [Step S <b> 28] The cashing process control unit 214 acquires the current exchange rate information of the bullion 2002 from the bullion host computer 400 and causes the exchange rate information holding unit 201 to hold it.

The exchange rate of the bullion 2002 is not limited to acquisition from the bullion host computer 400, but may be acquired by accessing a home page displaying the exchange rate.
[Step S <b> 29] Based on the exchange rate held by the exchange rate information holding unit 201, the cash exchange processing control unit 214 changes the weight from the weight of the bullion 2002 held by the bullion card information holding unit 203 to the weight. The corresponding cash amount is calculated.

[Step S30] The cashing process control unit 214 displays the cashing amount calculated in step S29 from the display processing unit 205 on the display 221.
For example, when the bullion card 2000 to be exchanged is the first (or only one) of the plurality, the current exchange rate (1g = 4,434) as shown in FIG. “8,868 yen” of the cash amount at this time is displayed together with the card ID (“1”) of the read bullion card 2000 and the weight of the bullion 2002 (“2 g”).

  The cash amount display screen displays a “continue cashing” button for executing the cashing of the remaining bullion card 2000 when there is a remaining bullion card 2000 to be cashed. Further, an “end cashing” button for ending cashing of the bullion card 2000 is also displayed.

  Further, when the bullion card 2000 to be redeemed is the second or later, in addition to the above, for example, as shown in FIG. 13B, the card ID of the bullion card that has been redeemed (to date). The total cash amount (“5 g”) and the total cash amount (“22,170 yen”) are displayed together with (“1”, [2]) and their weights (“2 g”, “3 g”).

[Step S31] The cashing process control unit 214 determines whether the input receiving unit 206 has received an operation input of either the “continue cashing” button or the “end cashing” button.
The cash process control unit 214 executes the process of step S32 when the input accepting unit 206 accepts an operation input of the “continue cashing” button, and receives an operation input of the “end cashing” button. The process of step S33 is executed.

  [Step S32] The cash processing control unit 214 controls the card processing unit 230 from the card processing control unit 207, conveys the bullion card 2000, and collects it by the collecting unit 230g.

Thereafter, the cashing process control unit 214 executes the process of step S17 again.
[Step S33] The cash processing control unit 214 controls the card processing unit 230 from the card processing control unit 207, conveys the bullion card 2000, and collects it by the collecting unit 230g.

  [Step S34] The cashing process control unit 214 selects a payment method in which buttons for selecting “withdrawal” to be withdrawn as it is or as “payment” into the customer's account are displayed. A screen (not shown) is displayed on the display 221 from the display processing unit 205 to accept a payment method.

[Step S35] The cashing process control unit 214 determines whether the input receiving unit 206 has received an operation input of either the “withdrawal” button or the “deposit” button.
The cash process control unit 214 executes the process of step S36 when the input accepting unit 206 accepts an operation input of the “withdrawal” button, and executes a process when accepting an operation input of the “deposit” button. The process of S37 is executed.

  [Step S36] The cashing processing control unit 214 causes the coin processing unit 250 and the banknote processing unit 260 to withdraw the cash of the cashing amount calculated in step S29 from the cashing processing control unit 208.

  [Step S37] The cashing process control unit 214 sends the cash amount calculated in step S29, the account number of the financial card 1000, and financial information to the financial host computer 300 by referring to the financial card information holding unit 202. Deposit the cash amount into the account.

[Step S38] The cash process control unit 214 controls the card processing unit 230 from the card process control unit 207 to return the financial card 1000 to the customer.
[Step S39] The cash processing control unit 214 controls the card processing unit 230 from the card processing control unit 207 to return the financial card 1000 and the bullion card 2000 to the customer.

[Step S40] The cashing process control unit 214 determines whether or not the current cashing is continuous cashing.
The cashing process control unit 214 executes the process of step S41 when the current cashing is continuous cashing, and when it is not continuous cashing (the cashing of the first (only one) bullion card 2000). Performs the process of step S39.

[Step S41] The cash processing control unit 214 controls the card processing unit 230 from the card processing control unit 207 to return the bullion card 2000 to the customer.
[Step S42] The cashing process control unit 214 causes the display processing unit 205 to display on the display 221 the cashing amount that has been cashed from the bullion card 2000 so far.

  For example, as shown in FIG. 14, together with the exchange rate (1 g = 4,434 yen) and the bullion card ID and weight of the bullion card 2000 that has been redeemed so far, the total cash amount and the total cash amount ( The amount of money that has been redeemed) is displayed.

Also in this case, a “continue cashing” button and an “end cashing” button are displayed.
[Step S43] The cashing process control unit 214 determines whether the input receiving unit 206 has received an operation input of either the “continue cashing” button or the “end cashing” button.

  The cashing process control unit 214 executes the process of step S17 when the input receiving unit 206 receives an operation input of the “continue cashing” button, and receives an operation input of the “end cashing” button. The process of step S34 is executed.

With the above processing flow, the cash transaction process is executed in the automatic transaction system 100.
As described above, in the automatic transaction apparatus 200, the account number, the financial information, the weight information of the bullion 2002, and the card ID are matched with the IC chip 2003 of the bullion card 2000 provided with the bullion 2002. Record it. The card processing control unit 207 acquires the account number and financial information of the financial card 1000 and the account number, financial information, card ID, and weight information of the bullion card 2000, and the financial card 1000 and the bullion by the card verification unit 213 are acquired. The account number and financial information of the card 2000 are collated. If the account number and financial information of the financial card 1000 and the bullion card 2000 match as a result of the collation, the cash value processing control unit 214 causes the money amount calculation unit 212 to cash from the weight of the bullion card 2000.

  As a result, the automatic transaction apparatus 200 can exchange the bullion 2002 only with the bullion card 2000 having account information that matches the financial card 1000. That is, a person who has illegally acquired the bullion card 2000 can impersonate the owner of the bullion card 2000 and cannot exchange the bullion 2002 of the bullion card 2000, and the security of the cash transaction is maintained. Thus, the automatic transaction apparatus 200 can execute the cashing process.

[Third Embodiment]
In the third embodiment, the IC chip 2003 of the bullion card 2000 is not recorded with account information and financial information matching the financial card 1000, but is recorded with card ID and weight information. Are associated with owners (customers) of the financial card 1000 and the bullion card 2000.

The card ID is associated with information that can specify the owner, such as the owner's name, address, and telephone number.
First, the function with which the automatic transaction apparatus which concerns on 3rd Embodiment is provided is demonstrated using FIG.

FIG. 15 is a functional block diagram showing functions provided in the automatic transaction apparatus according to the third embodiment.
FIG. 15A shows the functions of the automatic transaction apparatus, and FIG. 15B shows the information of the automatic transaction apparatus.

  In addition, the automatic transaction system 100 of 3rd Embodiment is provided with the automatic transaction apparatus 1200 instead of the automatic transaction apparatus 200 in the automatic transaction system 100 in 2nd Embodiment. Moreover, the hardware configuration of the automatic transaction apparatus 1200 includes the same hardware configuration as that of the automatic transaction apparatus 200 of the second embodiment.

As shown in FIG. 15A, the automatic transaction apparatus 1200 has a configuration in which the financial card information holding unit 202 and the card verification unit 213 are removed from the automatic transaction apparatus 200.
Further, in the bullion card information holding unit 1203 provided in the automatic transaction apparatus 1200, as shown in FIG. 15B, the card ID read from the bullion card 2000 and the weight information are held.

Next, the cashing process executed in the automatic transaction system 100 including the automatic transaction apparatus 1200 will be described with reference to FIGS. 16 and 9 to 11.
FIG. 16 is a flowchart showing a bullion cashing process executed in the automatic transaction system according to the third embodiment.

In the automatic transaction system 100, the automatic transaction apparatus 1200 performs the process of step S11-step S17 similarly to FIG. 8, and performs the process of step S18a.
[Step S18a] The card processing control unit 207 causes the card processing unit 230 to read the card ID and weight information from the IC chip 2003 of the received bullion card 2000 by the IC reader / writer unit 230e.

  Thereafter, after the processes of steps S19 and S20, the processes of FIGS. 9 to 11 are executed. In the process of step S19, when the cash process control unit 214 is notified that the reading process has been normally executed, the cash ID and weight information read in step S18a is held in the bullion card information holding unit 203. Then, the process of step S21 is executed.

When the processes in FIGS. 16 and 9 to 11 are executed, the display screens in FIGS. 12 to 14 are appropriately displayed.
In such an automatic transaction system 100, the automatic transaction apparatus 1200 uses the financial card 1000 to execute a cash process of the bullion card 2000 from which the bullion 2002 is illegally extracted by the owner of the financial card 1000. The And the said bullion card 2000 is collect | recovered by the collection | recovery parts 230g of the card processing unit 230, and the said owner illegally acquires the cash of a cash amount.

  However, after that, when the clerk inspects the bullion card 2000 collected in the collection unit 230g of the automatic transaction apparatus 1200 and finds the bullion card 2000 from which the bullion 2002 has been extracted, Based on the card ID recorded on the IC chip 2003, the owner (unauthorized person) of the bullion card 2000 can be specified. By providing such a function, it is possible to promote fraud prevention of the cash transaction and maintain the safety of the cash transaction.

  Further, 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 storage device, an optical disk, a magneto-optical storage medium, and a semiconductor memory. Magnetic storage devices include HDDs, flexible disks (FD), magnetic tapes (MT) and the like. Optical discs include DVD (Digital Versatile Disc), DVD-RAM, CD-ROM (Compact Disc-Read Only Memory), CD-R (Recordable) / RW (ReWritable), and the like. Magneto-optical storage 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.

DESCRIPTION OF SYMBOLS 1 Financial card 1a, 2a Recording medium 2 Bullet card 2b Bullet 10 Automatic transaction apparatus 11 Financial card information holding part 12 Bullet card information holding part 13 Recording medium reading part 14 Card information acquisition part 15 Account information determination part 16 Bullion Cashing Department 17 Payment Department

Claims (7)

In an automatic transaction device that accepts a financial card and executes a financial transaction with a financial institution,
The first account information is obtained from a recording medium in which the first account information related to the account is recorded, which is provided in the received financial card, and is provided with a precious metal bullion. A card information acquisition unit that receives a bullion card including a recording medium on which the weight information is recorded, and acquires the second account information and the weight information from the recording medium of the bullion card;
An account information determination unit for determining whether or not the first account information and the second account information acquired by the card information acquisition unit match;
When the account information determination unit determines that the first account information and the second account information match, a bullion cash conversion unit that converts the weight information into an amount corresponding to the weight information;
An automatic transaction apparatus comprising: If the account information determination unit determines that the first account information and the second account information do not match, the cash processing control unit for discharging the financial card and the bullion card,
The automatic transaction apparatus according to claim 1, further comprising: The cash processing control unit causes the cash of the amount cashed in the bullion cashing unit to be withdrawn.
The automatic transaction apparatus according to claim 2. The cash process control unit causes the first account information to be credited with the amount cashed in the bullion cash exchange unit.
The automatic transaction apparatus according to claim 2. Card identification information for identifying the bullion card is recorded on the recording medium of the bullion card,
The bullion cash exchange unit cashes the bullion card authenticated based on the card identification information.
The automatic transaction apparatus according to claim 1. In the method of cash processing of an automatic transaction apparatus that accepts a financial card and executes a financial transaction with a financial institution,
The first account information is obtained from a recording medium provided with the received financial card and recorded with the first account information related to the account. The first account information is provided with a precious metal bullion, and the second account information regarding the account and the bullion. Receiving a bullion card provided with a recording medium on which the weight information is recorded, obtaining the second account information and the weight information from the recording medium of the bullion card,
Determining whether the acquired first account information and the second account information match,
When it is determined that the first account information matches the second account information, the weight information is converted into an amount corresponding to the weight information.
A bullion cash processing method for an automatic transaction apparatus, comprising: In an automatic transaction device that accepts a financial card and executes a financial transaction with a financial institution,
Receiving a bullion card comprising a precious metal bullion, comprising a recording medium in which identification information associated with an owner of the financial card and weight information of the bullion are recorded, and the identification from the recording medium A card information acquisition unit for acquiring information and the weight information;
An identification information holding unit for holding the identification information;
A cash payment unit for paying a cash amount corresponding to the weight information;
An automatic transaction apparatus comprising:

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