JP2016018441A - Transaction device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a transaction device capable of changing a password information input system to be applied according to a medium used for transaction.SOLUTION: A transaction device comprises: a plurality of means capable of accepting input of password information; a medium processing unit for receiving a medium used for transaction; selection means for selecting input means used for input of password information according to a medium having been received by the medium processing unit; and a transaction processing unit for accepting input of password information from the input means selected by the selection means and executing transaction processing by using the accepted password information.SELECTED DRAWING: Figure 1

Description

  The present invention relates to a transaction apparatus and can be applied to, for example, an automatic cash transaction apparatus (hereinafter also referred to as “ATM”) installed in a convenience store, a financial institution, or the like.

  Conventionally, in ATM, there are two input methods for inputting a personal identification number: input using a soft key on a touch panel display or input using a hard key capable of inputting a number (hereinafter also referred to as “PINPAD”). (See Patent Documents 1 and 2).

  For example, in an ATM corresponding to a cashing transaction using a credit card, which input method is used to input a personal identification number is determined according to the security level (security policy) required by the card company.

JP2012-022438A JP 2012-108796 A

  By the way, when dealing with foreign credit cards other than Japan with ATMs installed in Japan, usually not all foreign cards are handled at once, but from one foreign card first, Then increase the number of cards handled. As described above, the standard of the security level (security policy) regarding the input of the personal identification number is determined for each card company.

  However, the conventional ATM can cope with only one security level for the input of password information such as a password. In other words, in conventional ATM, only one or both of soft keys and hard keys (PINPAD) are supported, so that it is possible to correspond to different security levels depending on the type of credit card used for the transaction. could not.

  Therefore, there is a demand for a transaction apparatus that can change the input method of password information to be applied according to the medium used for the transaction.

  The transaction apparatus of the present invention includes (1) a plurality of input means capable of accepting input of personal identification information, (2) a medium processing unit for receiving a medium used for the transaction, and (3) a medium received by the medium processing unit. And (4) a transaction for accepting the input of the password information from the input means selected by the selection means and executing the transaction process using the received password information. And a processing unit.

  Provided is a transaction apparatus capable of changing the input method of password information to be applied according to the medium used for the transaction.

It is the block diagram shown about the functional structure of ATM which concerns on 1st Embodiment. It is a perspective view of ATM which concerns on 1st Embodiment. It is a top view which expands and shows PINPAD mounted in ATM which concerns on 1st Embodiment. It is explanatory drawing shown about the structural example of the security information hold | maintained by ATM which concerns on 1st Embodiment. It is the flowchart shown about the operation example in case cashing transaction is performed by ATM which concerns on 1st Embodiment. It is explanatory drawing shown about the structural example of the card selection screen displayed by ATM which concerns on 1st Embodiment. It is explanatory drawing shown about the PIN code input screen (the 1) displayed by ATM which concerns on 1st Embodiment. It is explanatory drawing shown about the PIN code input screen (the 2) displayed by ATM which concerns on 1st Embodiment. It is explanatory drawing shown about the transaction amount input screen displayed by ATM which concerns on 1st Embodiment. It is explanatory drawing shown about the PIN code input screen (the 1) displayed by ATM which concerns on 2nd Embodiment. It is explanatory drawing shown about the PIN code input screen (the 2) displayed by ATM which concerns on 2nd Embodiment.

(A) 1st Embodiment Hereinafter, 1st Embodiment of the transaction apparatus by this invention is explained in full detail, referring drawings. In addition, 1st Embodiment demonstrates the example which applies the transaction apparatus of this invention to ATM.

(A-1) Configuration of the First Embodiment FIG. 1 is a block diagram showing a functional configuration of the ATM 1 of this embodiment. FIG. 2 is an external perspective view of the ATM 1 of this embodiment.

  ATM1 is installed in a financial institution's store, convenience store, etc., and is processed by the operation of a customer (user) who performs transaction processing or information processing (for example, transaction processing) involving communication with the host computer 2. Transaction processing with a customer (for example, cashing transaction using the customer's card) is performed.

  ATM1 can execute transactions using a medium such as a credit card or a cash card. Below, it demonstrates centering on the example which performs the cashing transaction (transaction with payment) using a credit card in ATM1.

  The ATM 1 includes a control unit 10, a data storage unit 20 as an information holding unit, an operation display unit 30 as a first input unit, a card reader 40 as a medium processing unit, a receipt printer 50, a cash processing unit 60, and a journal printer 70. , And a PINPAD device 80 as a second input means.

  The control unit 10 has a function of controlling the operation of each unit in the ATM 1, and includes a transaction processing unit 110 and a communication unit 120. The data storage unit 20 is a data storage unit that stores various types of information necessary for the control unit 10 to perform information processing, and can be configured by various types of memories, for example. The data storage unit 20 stores security information 21 to be described later.

  The control unit 10 can be realized, for example, by installing the program of the embodiment (a program including the processing configuration of the transaction processing unit 110) or the like in an implementation configuration (computer) of a program including a processor or the like. The above-mentioned program may be stored in the data storage unit 20, for example, and may be read and executed by the control unit 10 when the ATM 1 is activated.

  The communication unit 120 is a network interface for connecting to the host computer 2.

  The transaction processing unit 110 performs information processing (including information presented to the customer and processing associated with operation reception) for performing transactions with the customer, and controls each component in the ATM 1 in accordance with the transaction processing. It is.

  The operation display unit 30 as an operation screen display unit has a user interface function of the ATM 1. The operation display unit 30 provides an operation screen to a customer using a touch panel display. The operation display unit 30 can display an operation screen according to the control of the transaction processing unit 110 and can perform information output and operation reception (acceptance of information input).

  The card reader 40 reads data by sucking a card (for example, a credit card or a cash card) inserted from the customer into the card insertion / extraction port 41.

  The receipt printer 50 discharges a receipt on which transaction details are printed from a receipt discharge unit 51.

  The journal printer 70 prints a transaction history on paper (for example, journal roll paper).

  The cash processing unit 60 has a function of storing cash (banknotes and / or coins) received from a customer and a function of withdrawing (discharging) the stored cash to the customer. In this embodiment, the cash processing unit 60 includes a banknote storage unit 610 that stores banknotes and a coin storage unit 620 that stores coins. In the banknote storage unit 610, it is possible to deposit and withdraw banknotes from the banknote deposit / withdrawal port 611 shown in FIG. Moreover, in the coin storage part 620, it is possible to deposit / withdraw coins from the coin deposit / withdrawal port 621 shown in FIG.

  The PINPAD device 80 is a device that can accept input of numbers such as a password and transaction amount. The hard key unit 81 and data obtained by encrypting the password input to the hard key unit 81 are input to the control unit 10. And an encryption processing unit 82 to be supplied.

  In the PINPAD device 80, when accepting the input of the PIN, the content input by the hard key unit 81 is encrypted by the encryption processing unit 82 and then output to the outside of the PINPAD device 80 (control unit 10) And On the other hand, the personal identification number using the soft key (operation display unit 30) is encrypted by the control unit 10 in software. Accordingly, it is assumed that the security code input using the PINPAD device 80 has a lower security risk and a higher risk level than the security code input using the soft key (operation display unit 30).

  FIG. 3 is a plan view of the hard key unit 81 constituting the PINPAD device 80. In FIG. 3, portions other than the hard key portion 81 are omitted.

  As shown in FIG. 3, the hard key unit 81 includes a numeric keypad 811 for inputting numbers “0” to “9”, and correction of input numbers (for example, part or all of already input numbers). Correction key 812 for performing (deletion), confirmation key 813 for accepting confirmation of the input contents, and amount input keys 813 and 814 for “ten thousand”, “thousand”, and “yen” used when accepting an amount input. , 815 are arranged. The PINPAD device 80 can accept input of numbers such as a personal identification number and transaction amount by depressing the hard key 81.

  Next, the contents of processing in which transaction processing unit 110 accepts an input such as a password from a customer will be described.

  When the transaction processing unit 110 accepts the input of the personal identification number, the transaction processing unit 110 requests the customer to input the personal identification number in the input method and the input format according to the inserted card type (credit card type).

  In the ATM 1 of this embodiment, it is assumed that the security information 21 in which the input method and the input format (number of digits of the password) for each card type are registered is stored in the data storage unit 20. Then, the transaction processing unit 110 refers to the security information 21 when receiving the input of the personal identification number from the customer, and inputs the personal identification number in the input format according to the security information 21 by the input method according to the security information 21. Accept.

  Although the specific format of the security information 21 is not limited, in this embodiment, the security information 21 will be described as having the configuration shown in FIG.

  In the security information 21 shown in FIG. 4, information on the input method and the input format is registered for each card type (card type ID).

  In the security information 21, as an input method, a value of “normal” that can accept a password input from the operation display unit 30 (soft key), or “PINPAD” that can accept a password input only from the PINPAD device 80. One of the values shall be set. In addition, as an input method, a value that can accept the input of the personal identification number from the operation display unit 30 (soft key) and the PINPAD device 80 may be set, but this is omitted in this embodiment.

  As described above, since the security level is higher when the PIN code is input only from the PINPAD device 80, PINPAD is set for the card type input method that requires a higher security level.

  In the security information 21, information on the number of digits of the personal identification number that accepts the input is set as an input format. The number of digits that can be set as the input format is not limited, and the number of digits corresponding to the card company can be set.

  In ATM1, the contents of the security information 21 may be downloaded and cached by communication from an external server, or may be registered by a maintenance person or the like. Further, in ATM1, the security information 21 data itself is not stored, but may be read from an external server or the like and stored for reference whenever necessary.

  Although the method for recognizing the type (for example, credit card brand, card company, etc.) that can be settled with the card into which the transaction processing unit 110 is inserted is not limited, for example, data recorded on the card (card Number or the like) may be recognized.

  As described above, in the first embodiment, the transaction processing unit 110 functions as a selection unit and a transaction processing unit.

(A-2) Operation of the First Embodiment Next, the operation of the ATM 1 of the first embodiment having the above configuration will be described.

  In the following, an operation when a cashing transaction is performed as an example of a withdrawal transaction using a card (credit card) accompanied by the input of a personal identification number in ATM 1 will be described.

  FIG. 5 is a flowchart showing an operation when a withdrawal transaction is performed in the control unit 10 (transaction processing unit 110) constituting the ATM 1.

  First, it is assumed that a card is inserted into the card reader 40 (S101).

  Then, the transaction processing unit 110 displays a “transaction selection screen” for transaction processing on the screen of the operation display unit 30 (S102).

  Although details of the transaction selection screen are not shown here, the following description will be given on the assumption that a cashing transaction has been selected by the customer as a transaction involving the input of a personal identification number.

  When a cashing transaction is selected on the transaction selection screen, the transaction processing unit 110 acquires the data (card number) of the card inserted into the card reader 40, and the card type (card that can be cashed with the card) (card Type ID) is extracted. Then, the transaction processing unit 110 displays a “card selection screen” for allowing the customer to select a card type to be applied in the current cashing transaction from the extracted card types, and accepts a card company selection from the customer (S103). .

  FIG. 5 is an explanatory diagram showing a configuration example of a card selection screen displayed on the screen of the operation display unit 30. In the card selection screen of FIG. 5, buttons B101 to B103 corresponding to “A company card”, “B company card”, and “C company card” are arranged. On the card selection screen, buttons corresponding to selectable card types are displayed according to the inserted card. The transaction processing unit 110 performs subsequent transaction processing with the card type corresponding to the button pressed on the card selection screen as shown in FIG. 5 as the card type to be applied to the cashing transaction.

  Next, the transaction processing unit 110 obtains information on the input method and input format of the personal identification number corresponding to the selected card type from the security information 21, and the input method and input format of the personal identification number in the current cashing transaction. Is determined (selected) (S104).

  Next, it is assumed that the transaction processing unit 110 performs a process of requesting the customer to input a password with the determined input format using the determined input method, and the customer has input the password (S105). Details of the password input process in step S105 will be described later.

  When the password is entered by the customer on the password input screen, the transaction processing unit 110 displays a “transaction amount input screen” for requesting the customer to input the transaction amount on the operation display unit 30 to display the transaction amount. The input is accepted (S106). Further, after the transaction amount is input on the transaction amount input screen, the transaction processing unit 110 displays a “transaction amount confirmation screen” for confirming the transaction amount input by the customer, and accepts confirmation of the transaction amount from the customer. .

  Next, the transaction processing unit 110 executes information processing related to the transaction (cashing transaction) (for example, transaction processing using a message with the host computer 2) and succeeds (S107).

  Next, the transaction processing unit 110 receives cash from the receipt output process (S108) from the receipt printer 50, the card ejection process from the card reader 40 (S109), and the cashing transaction from the cash processing unit 60 according to the transaction information processing result. A withdrawal process (S110) is performed.

  Next, the transaction processing unit 110 will be described in detail with respect to the process of accepting the input of the password at the above-described step S105.

  First, a process in which the transaction processing unit 110 accepts an input of a personal identification number when the input method corresponding to the inserted card is “normal” will be described. In this case, transaction processing unit 110 can accept a password input from operation display unit 30. When the transaction processing unit 110 can accept a password from the operation display unit 30, for example, the transaction processing unit 110 receives an input of the password using an operation screen as shown in FIG.

  On the operation screen shown in FIG. 7, a soft key SK201 for accepting an input of a personal identification number and a field F201 for displaying the number of digits of the inputted personal identification number are arranged. The soft key SK201 includes a numeric keypad K201 for inputting a personal identification number, a confirmation key K203 for confirming the input of the personal identification number, and a correction of the input personal identification number (for example, a part of the number already input). Or a correction key K202 for deleting all). In the field F201, “*” symbols corresponding to the number of digits to which the password is input are displayed.

  In the state where the operation screen shown in FIG. 7 is displayed, the transaction processing unit 110 may not accept the PIN number input from the PINPAD device 80 (hard key portion 81), or the PINPAD device 80 (hard key portion). 81) may be accepted.

  Next, processing in which transaction processing section 110 accepts input of a personal identification number when the input method corresponding to the inserted card is “PINPAD” will be described. In this case, the transaction processing unit 110 can accept a password input only from the PINPAD device 80. When the transaction processing unit 110 can accept a password only from the PINPAD device 80, for example, the transaction processing unit 110 accepts the input of the password using an operation screen as shown in FIG.

  In the operation screen shown in FIG. 8, a field F301 for displaying the number of digits of the input personal identification number is arranged. In the field F301, “*” symbols corresponding to the number of digits to which the password is input are displayed.

  In the state where the operation screen of FIG. 8 is displayed, the transaction processing unit 110 does not accept the input of the personal identification number by the soft key, so the soft key is not arranged, but the soft key is displayed in a grayed-out state (for example, An image obtained by graying out each key of the soft key SK201 shown in FIG. 7 may be displayed).

  Next, the transaction processing unit 110 will be described in detail with respect to the processing for accepting the input of the transaction amount in step S106 described above.

  When accepting the input of the transaction amount, the transaction processing unit 110 displays an operation screen as shown in FIG. 9 on the operation display unit 30 and accepts the input of the transaction amount, for example.

  In the operation screen shown in FIG. 9, a soft key SK401 for accepting transaction amount input and a field F401 for displaying the input transaction amount are arranged. The soft key SK401 includes a numeric keypad K401 for inputting the transaction amount, a confirmation key K403 for confirming the input of the transaction amount, and correcting the transaction amount (for example, part or all of the number already input) A correction key K402 for erasing), and money input keys 404K, 405K, and 406K for “ten thousand”, “thousand”, and “yen” that are used when accepting the amount input.

  In the state where the operation screen shown in FIG. 9 is displayed, the transaction processing unit 110 may not accept the transaction amount input from the PINPAD device 80 (hard key unit 81), or the PINPAD device 80 (hard key unit). The transaction amount input from 81) may also be accepted. Further, when the transaction processing unit 110 accepts the input of the personal identification number with the soft key, the transaction amount may be input with the soft key. In this case, input from the PINPAD device 80 is not allowed. Further, when the PIN PAD device 80 (hard key unit 81) accepts the input of the personal identification number, the transaction processing unit 110 may input the transaction amount with the PINPAD device 80 (hard key unit 81). In this case, input from the soft key is not allowed.

(A-3) Effects of First Embodiment According to the first embodiment, the following effects can be achieved.

  In ATM1, since an input method of an appropriate security level can be selected in accordance with the security level (security policy) of the card, it can be handled by a plurality of security level cards.

  Also, in ATM1, the input method for each card type is registered in the security information 21, and the transaction processing unit 110 performs processing corresponding to each input method (configuration of the operation screen, etc.), thereby allowing the existing card input processing. A new security level card handling process can be added without affecting the card.

(B) Second Embodiment Hereinafter, a second embodiment of the transaction apparatus according to the present invention will be described in detail with reference to the drawings. In addition, 2nd Embodiment demonstrates the example which applies the transaction apparatus of this invention to ATM.

(B-1) Configuration and Operation of Second Embodiment The functional configuration of the ATM 1 of the second embodiment can also be shown using FIG. 1 as in the first embodiment. Below, only the difference with 1st Embodiment is demonstrated about ATM1 of 2nd Embodiment.

  In ATM1 of 2nd Embodiment, the process of the transaction process part 110 when the input system corresponding to the inserted card | curd is "PINPAD" differs.

  When the input method corresponding to the inserted card is “PINPAD”, the transaction processing unit 110 of the second embodiment first displays the operation screen shown in FIG. When the operation is continued (a state in which the password is not entered continues), a process of switching the operation screen displayed on the operation display unit 30 is performed. Specifically, in this case, transaction processing unit 110 displays an operation screen for guiding the customer to input a password using PINPAD device 80. For example, at this time, the transaction processing unit 110 may display an operation screen as shown in FIGS. 10 and 11 on the operation display unit 30.

  In FIG. 10, on the operation screen of FIG. 8 described above, an image G301 for guiding the password input using the PINPAD device 80 and a message notifying the number of digits of the password to be input (in FIG. The message “Number input is 10 digits” is displayed. An image G301 shown in FIG. 10 is an image showing the position of the PINPAD device 80 in the entire ATM 1, and makes it easier for the customer to recognize the PIN number input by the PINPAD device 80.

  In FIG. 11, the image G <b> 301 in FIG. 10 described above is replaced with an image G <b> 302 showing an input operation using the PINPAD device 80. Note that the image G302 may be an input operation animation image (for example, an image in which the finger image shown in FIG. 11 operates to become an input operation animation).

(B-2) Effects of Second Embodiment According to the second embodiment, the following effects can be achieved.

  In the ATM 1 of the first embodiment, if the input method in the PINPAD device 80 is hidden on the operation screen picture, the operation may not be well understood and the timeout may increase, but in the second embodiment, the customer may By displaying a guidance message or an image for guiding the PIN code input using the PINPAD device 80, it is possible to suppress a timeout based on a difference in input method.

(C) Other Embodiments The present invention is not limited to the above-described embodiments, and may include modified embodiments as exemplified below.

  (C-1) In each of the above embodiments, an example in which the transaction device of the present invention is applied to an ATM has been described. However, transactions involving input of a PIN code corresponding to another medium (such as a card) and the medium are performed. The present invention can be applied to a transaction apparatus to be executed (for example, a ticket machine using electronic money).

  (C-2) In each of the above embodiments, the example in which the present invention is applied to the input of a personal identification number in ATM has been described. However, the present invention is applied to other personal identification information (for example, input of a password including characters). It may be.

  (C-3) In each of the above embodiments, the example in which the hard key of the PINPAD device and the soft key of the operation display unit are applied to the ATM as the input means has been described, but the number of input means provided in the ATM of the present invention Is not limited.

  DESCRIPTION OF SYMBOLS 1 ... ATM, 10 ... Control part, 110 ... Transaction processing part, 120 ... Communication part, 130 ... Monitoring processing part, 20 ... Data storage part, 21 ... Security information, 30 ... Operation display part, 40 ... Card reader, 41 ... Card insertion / discharge port, 50 ... Receipt printer, 51 ... Slip discharge unit, 60 ... Cash processing unit, 611 ... Banknote deposit / withdrawal port, 621 ... Coin deposit / withdrawal port, 70 ... Journal printer, 80 ... PINPAD device, 81 ... Hard key , 811 ... numeric keypad, key 812 ... correction, 813 ... confirmation key, 82 ... encryption processing unit.

Claims (9)

A plurality of input means capable of accepting input of personal identification information;
A medium processing unit for receiving a medium used for the transaction;
Selecting means for selecting an input means used for inputting the personal identification information according to the medium received by the medium processing unit;
A transaction apparatus comprising: a transaction processing unit that receives input of password information from the input unit selected by the selection unit, and executes transaction processing using the received password information. It further comprises information holding means for holding information of input means used for inputting the personal identification information for each type of medium,
The transaction apparatus according to claim 1, wherein the selection unit selects an input unit corresponding to a medium received by the medium processing unit according to information held by the information holding unit. The information holding means also holds information in the form of personal identification information for each type of medium,
The selection means also selects the format of the password information according to the information held by the information holding means,
The transaction apparatus according to claim 2, wherein the transaction processing unit accepts input of personal identification information in a format selected by the selection means from the input means selected by the selection means. It further includes an operation display unit that displays an operation screen related to the transaction,
The transaction means displays an operation screen related to the transaction from the operation display unit and accepts an operation related to the transaction,
The transaction apparatus according to claim 1, wherein the first input means is a hard key capable of accepting input of password information, and the second input means is a soft key displayed on the operation screen.   5. The transaction apparatus according to claim 4, wherein the transaction means changes contents of an operation screen that requests input of personal identification information in accordance with the input means selected by the selection means.   5. The information stored in the information holding means is associated with the first input means as an input means used for inputting personal identification information for a medium requiring higher security. The transaction device described.   If the transaction means does not input password information for a certain period of time after requesting password information input at the first input section, an image for guiding the password information input at the first input section Is displayed on the operation display unit. The transaction apparatus according to claim 4.   After the transaction means accepts the input of the personal identification information by the input means selected by the selection means, the transaction means inputs the amount related to the transaction using either the first input means or the second input means. 6. The transaction apparatus according to claim 5, wherein the transaction apparatus is capable of being accepted.   When the transaction means accepts the input of password information by the input means selected by the selection means, the transaction means can accept the input of the amount related to the transaction only by the input means selected by the selection means. The transaction apparatus according to claim 5.

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