JP2016051237A - Consumer transaction facility - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a technology of preventing a peep of individual information without reducing the operability when individual information such as a password is input.SOLUTION: The consumer transaction facility includes a display operation unit for displaying a guide screen and receiving an input operation by a user, and a display screen generation unit for generating the guide screen displayed on the display operation unit. The display screen generation unit generates a display screen for displaying some key as an input target in a display region of an input key used for input of a numerical value, and changes the key as the input target displayed in the display region in response to an input operation received by the display operation unit.SELECTED DRAWING: Figure 4

Description

  The present invention relates to an automatic transaction apparatus.

  When you conduct a specific transaction such as cash withdrawal or account balance inquiry, the personal information such as personal identification number will be used for authentication (confirmation). input. In particular, the PIN is important information when using a cash card, and if the counterfeit card is created by skimming the cash card, the cash card PIN may be misused. . For this reason, a technique has been proposed in which when a personal identification number is entered, the personal identification number is prevented from being peeped by a person other than the user (for example, a person lined up behind the user).

  For example, in Patent Document 1, when personal information such as a personal identification number is input or displayed, the position of a person standing behind the user is detected by a customer sensor mounted on the automatic transaction apparatus, and the user's It is disclosed that a key for inputting personal information such as a personal identification number or the input personal information is displayed at a position where it is difficult to see from a person standing behind. Patent Document 2 discloses that a plurality of the same numeric keys are displayed on a password input screen and the display positions of the numeric keys are random.

JP 2006-244104 A JP 2006-243938 A

  In the case of the above-mentioned patent document 1, it is possible to prevent peeping from a person standing behind the user, but the display position of the input key is determined according to the detection result of the customer sensor mounted on the automatic transaction apparatus. It will change. Therefore, the user cannot predict the display position of the input key, and the operability may be reduced.

  Also, according to the above-mentioned Patent Document 2, it is difficult to guess the PIN from the movement of the arm or the movement of the hand by displaying the input key at random. Depending on the person, it may be difficult to find the key to be pressed and the operability may be reduced.

  The present invention has been made in view of the above points, and an object of the present invention is to provide a technique for preventing peeping of personal information without deteriorating operability when inputting personal information such as a personal identification number.

  In order to solve the above problems, the present invention includes a display operation unit that displays a guidance screen and receives an input operation by a user, and a display screen creation unit that creates a guidance screen to be displayed on the display operation unit. In the automatic transaction apparatus, the display screen creation unit creates a display screen for displaying a part of input target keys in a display area of input keys used for inputting numbers, and the display operation unit In accordance with the input operation received in step 1, the key to be input displayed in the display area is changed.

  According to the present invention, it is possible to prevent peeping from a third party standing behind the user by changing the size of the input key or adjusting the display range. In addition, by displaying only a part of the input keys in the display range, it is possible to reduce the risk of leakage of the password entered by the person standing behind the user from the movement of the user's arm or hand. Become. Other effects will be described later.

It is the schematic which shows the external appearance of an automatic transaction apparatus. It is a block diagram which shows the function structure of an automatic transaction apparatus. It is an example of a personal identification number input screen, and is a diagram showing a state in which all input keys are displayed. It is a figure which shows an example of the PIN code input screen in 1st Embodiment. FIG. 6 is a diagram illustrating processing for changing the size of an input key in the first embodiment. In 1st Embodiment, it is a figure explaining the process which moves the area | region displayed on a frame among input keys. It is a figure which shows an example of the PIN code input screen in 2nd Embodiment. In 2nd Embodiment, it is a figure explaining the process which moves a frame. It is a figure which shows an example of the PIN code input screen in 3rd Embodiment. In 3rd Embodiment, it is a figure explaining the process which moves the area | region displayed on a frame among input keys. It is a figure which shows an example of the PIN code input screen in 4th Embodiment. It is a figure which shows an example of the PIN code input screen in 4th Embodiment. It is a figure which shows an example of the PIN code input screen in 5th Embodiment. It is a figure which shows an example of the PIN code input screen in 6th Embodiment. It is a figure which shows an example of the PIN code input screen in 7th Embodiment.

(1) First Embodiment Hereinafter, a first embodiment of the present invention will be described with reference to FIGS.
First, with reference to FIG. 1, the external structure of an automatic transaction apparatus is demonstrated. As shown in FIG. 1, the automatic transaction apparatus 1 includes a display 7 with a display / operation unit 2, a bill processing unit 3, a coin processing unit 4, a card / detail slip processing unit 5, and a passbook processing unit 6. Configured.

  The display / operation unit 2 is provided on the upper surface of the automatic transaction apparatus 1, displays a guidance screen for the user, and accepts a user's input operation. In particular, the display / operation unit 2 is configured to detect that a user's finger or the like has been touched at a plurality of locations, and to expand, reduce, or move the input key or the like by moving the user's finger or the like. . The display / operation unit 2 may include a biometric information reading unit that reads biometric information of a user (fingerprint, finger vein, palm print, etc.).

  The banknote processing unit 3 stores deposit / withdrawal banknotes and is provided with a shutter for storing banknotes. The banknote processing unit 3 restricts the insertion and removal of banknotes from the banknote processing unit 3 by opening and closing the shutter. In addition, the banknote processing unit 3 is configured such that each denomination cassette that stores banknotes in each denomination, a reject cassette that stores non-confirmed banknotes or unidentified banknotes that are unidentified, and forgetting to remove a banknote that has been fed out. In order to store the banknotes in the forgetting collection cassette for storing banknotes and the denomination cassettes, there are a loading cassette for manually packing banknotes.

  The coin processing unit 4 stores deposit / withdrawal coins and is provided with a shutter for storing coins in the same manner as the banknote processing unit 3. The coin processing unit 4 restricts the insertion and removal of coins from the coin processing unit 4 by opening and closing the shutter. In addition, the coin processing unit 4 is configured such that each denomination cassette that stores coins in each denomination, a reject cassette that stores damaged coins and uncertain coins that cannot be identified, or forgetting to remove a coin that has been fed out. It has a forgetting collection cassette for storing coins and a loading cassette for hand-packing coins in order to store coins in each denomination cassette.

  The bankbook processing unit 5 has a printing unit that takes in a bankbook inserted in a bankbook insertion port provided on the front of the main body and prints a transaction history for the bankbook. In addition, the passbook processing unit 5 is recorded on a page turning mechanism for turning over the page of the imported passbook, a bar code reader for reading a bar code indicating a page number printed on the passbook, and a magnetic stripe attached to the passbook. It also has a magnetic head that reads the bankbook information (financial institution number, store number, account number, etc.). It also has a passbook issuing mechanism for printing, writing, and issuing a new passbook when there is no print space in the passbook, and a loading cassette for hand-packing the new passbook to the general pass issue mechanism.

  The card / detail slip processing unit 6 takes in the inserted card, reads the card information (financial institution number, store number, account number, etc.) recorded on the card, rewrites the card information, and the like. The card / detail slip processing unit 6 may be configured to process a magnetic card, may be configured to process an IC card, or may be configured to process both cards (magnetic card and IC card). . The card / detail slip processing section 6 has a print section for printing the transaction contents on the detail slip, and discharges the detail slip printed by the print section. Also, the card / detail slip processing unit 6 is a journal unit that prints the operation history of the automatic transaction apparatus 1 on a journal roll paper, and a transfer ticket that writes, prints, and issues a transfer ticket that records transfer destination information in a transfer transaction. When forgetting to take out the issuing unit and the card that has been paid out, the forgetting collecting cassette for storing the forgetting card is provided.

  Next, the functional configuration of the automatic transaction apparatus 1 will be described with reference to FIG. As shown in FIG. 2, the automatic transaction apparatus 1 includes a communication control unit 21, a storage unit 22, and a control unit 23 in addition to the above configuration. A staff member / display operation unit that displays an operation screen for the staff member and receives a staff member's input operation may be provided.

  The communication control unit 21 controls data communication with a host computer (not shown) installed on the center side that performs maintenance operation. The host computer is provided with a database in which account management information including the name of the account opener, address, contact telephone number, transaction history, personal identification number, account balance, etc. is registered for each opened account. Further, the host computer 40 responds to a process of updating the account management information related to the account in which the transaction has been performed based on the transaction content notified from the automatic transaction apparatus 1 or an authentication request from the automatic transaction apparatus 1 regarding whether or not transaction is possible. On the other hand, processing for authenticating whether or not the transaction is possible and returning the authentication result is performed.

  The storage unit 22 is a DRAM (Dynamic Random Access Memory), an HDD (Hard Disk Drive), an SSD (Solid State Drive), etc., and records all operations of the automatic transaction apparatus 1, adjustment of money and consumables, and detailed information on failures. Is memorized.

  The control unit 23 controls the operation of the automatic transaction apparatus 1. For example, the input key is enlarged, reduced, or moved, or the input key display area is enlarged, reduced, or moved in accordance with the movement of the user's finger detected by the display / operation unit 2. In addition, the control unit 23 transmits data such as account information, an input password, a deposit amount, and a withdrawal amount to the host computer via the communication control unit 21. Thereafter, the control unit 23 controls the banknote processing unit 3, the coin processing unit 4, the passbook processing unit 5, and the card / detail slip processing unit 6 based on the instruction received from the host computer. Moreover, the control part 23 monitors operation of the user and a staff member with respect to the banknote processing part 3, the coin processing part 4, the passbook processing part 5, the card / detail slip processing part 6, and the like. That is, the control unit 23 functions as a display screen creation unit that creates a guidance screen to be displayed on the display / operation unit 2, a transaction control unit that controls transactions, and a device monitoring unit that monitors the entire device.

  Next, the outline | summary of the process in the automatic transaction apparatus 1 is demonstrated. FIG. 3 is a diagram showing a password input screen. The input screen 300 includes a password input key 301 and a frame 302 arranged around the input key 301. The input screen 300 includes a cancel key 303 that is pressed when canceling the transaction, a correction key 304 that is pressed when correcting the input password, and a key that is pressed when confirming the input password. The confirmation key 305 may be provided.

  In this case, the input keys 301 display all the keys corresponding to the numbers from 0 to 9, but if the position and size of each key are fixed, the movement of the user's arm and the hand It becomes easier to guess the password entered from the movement.

  Therefore, as shown in the password input screen 400 shown in FIG. 4, an input key 401 displaying a part of keys corresponding to numbers 0 to 9 and a frame 402 having substantially the same shape as the frame 302 are provided. Thus, when the user inputs the personal identification number, an operation of changing the display area of the input key 401 is accompanied. For this reason, it is possible to reduce the risk of leakage of the personal identification number input from the movement of the user's arm or hand by the person standing behind the user.

  At this time, the number displayed on the input key 401 may be reduced. Thereby, even if the display / operation unit 2 is easily seen by a person standing behind the user, it is possible to reduce the risk of leakage of the input personal identification number. FIG. 4 shows a case where the number displayed on the input key 401 is reduced.

  The input screen 400 includes a cancel key 403 that is pressed when canceling the transaction, a correction key 404 that is pressed when correcting the input password, and a key that is pressed when confirming the input password. The confirmation key 405 may be provided.

  Next, a process of changing the size of the input key 401 on the password input screen 400 shown in FIG. 4 will be described with reference to FIG. FIG. 5 is a diagram excerpting the input key 301 and the frame 302, the input key 401, and the frame 402, and is a diagram for explaining the size of the input key 401 on the password input screen 400 shown in FIG.

  When the input screen 300 is displayed, the contact position of the display / operation unit 2 is set to P1 and P2, and then the contact position of the display / operation unit 2 is set to P3 and P4 while maintaining the state in which the user's finger is in contact. When moved, the size L2 of the input key 401 is L2 = L1 × D2 / D1 + X (L1: size of the input key 301, D1: distance between P1 and P2, D2: distance between P3 and P4). . Here, X is a correction coefficient for correcting the magnitude of L2, and it is possible to change the degree of change in the magnitude of the input key 401. Whether or not the correction coefficient X is used may be arbitrary.

  Next, a process of moving the area 401b displayed in the frame 402 among the input keys 401a in the password input screen 400 shown in FIG. 4 will be described with reference to FIG. When the contact position of the display / operation unit 2 when the input screen 400 is displayed is set to P5, and then the contact position of the display / operation unit 2 is moved to P6 while maintaining the state in which the user's finger is in contact, A vector b1 indicating the moving direction and distance of the input key 401a is obtained by adding the vector a1 indicating the moving direction and distance of the contact position of the display / operation unit 2 and the correction vector x1. By adding the correction vector x1, it is possible to change the moving direction of the input key 401a and the degree of change in the distance. Whether or not the correction vector x1 is used may be arbitrary. Further, the input key 401 may be reduced as well as enlarged.

  According to the first embodiment, when the user inputs a personal identification number, the size and position of the input key 401 can be changed to limit the display area within the frame. For this reason, it is possible to reduce the risk of leakage of the personal identification number input from the movement of the user's arm or hand by the person standing behind the user.

  In addition, since the above-described processing can be executed using a password input screen provided in the past, an additional screen is unnecessary, so that the introduction cost is low and the introduction to the automatic transaction apparatus is easy. .

(2) Second Embodiment Hereinafter, a second embodiment will be described. The description common to the first embodiment is omitted, and only the characteristic part of the present embodiment will be described below (the same applies to the following embodiments).

  FIG. 7 is a diagram showing a password input screen 700 in the present embodiment. In the input screen 700 in this embodiment, the frames 702a, 702b, 702c, and 702d can be moved, and the size of the display area of the input keys 701 can be changed. Further, the size of the display area of the input key 701 may be changed by moving the corners 702e, 702f, 702g, and 702h of the frame. The input screen 700 includes a cancel key 703 that is pressed when canceling the transaction, a correction key 704 that is pressed when correcting the input password, and a key that is pressed when confirming the input password. The confirmation key 705 may be provided.

  Next, processing for moving the frames 702a and 702d on the password input screen 700 shown in FIG. 7 will be described with reference to FIG. When the input screen 700 is displayed, the contact position of the display / operation unit 2 is set to P7 (or P8), and then the contact position of the display / operation unit 2 is set to P9 (with the user's finger kept in contact). Or the vector b2 (or b3) indicating the moving direction and distance of the frame 702a (or 702d), the vector a2 indicating the moving direction and distance of the frame 702a (or the moving direction and distance of the frame 702d). The vector a3) shown and the correction vector x2 (or x3) are added together. By adding the correction vectors x2 and x3, it is possible to change the moving direction of the frames 702a and 702d and the degree of change in the distance. Note that whether or not to use the correction vectors x2 and x3 may be arbitrary.

  According to the second embodiment, since it is not necessary to change the size of the input key itself, even if the display / operation unit 2 is easily seen by a person standing behind the user, the input key is input. It becomes possible to reduce the risk of leakage of the personal identification number.

  Note that the display area of the input key 701 may be enlarged by moving the frames 702a, 702b, 702c, and 702d. At this time, all the numbers 0 to 9 are displayed on the input key 701, but the operation becomes complicated by the addition of an operation other than the input operation of the password, so there is a risk of leakage of the input password. It becomes possible to reduce.

(3) Third Embodiment Hereinafter, a third embodiment will be described.

  FIG. 9 is a diagram showing a password input screen 900 in the present embodiment. In the input screen 900 according to the present embodiment, the input key 901 is enlarged, and the input key 901 is displayed in addition to the input key 901 displaying a part of the keys corresponding to the numbers 0 to 9 and the frame 902. Movement keys 903a, 903b, 903c, and 903d for moving the area are provided. The movement key 903a is an upper movement key for moving the display area of the input key 901 upward, the movement key 903b is a lower movement key for moving the display area of the input key 901 downward, and the movement key 903c is the movement key 903c. A left movement key for moving the display area of the input key 901 to the left and a movement key 903d are right movement keys for moving the display area of the input key 901 to the right. These movement keys 903a to 903d display the movement key only in the movable direction, or select the display color of the movement key in the non-movable direction as a display color different from the display color of the movement key in the movable direction. It may not be possible. The input screen 900 includes a cancel key 904 that is pressed when canceling the transaction, a correction key 905 that is pressed when correcting the input password, and a key that is pressed when confirming the input password. The confirmation key 906 may be provided.

  Next, a process of moving the area 901b displayed in the frame 902 among the input keys 901a in the password input screen 900 shown in FIG. 9 will be described with reference to FIG. In the case of FIG. 10, when the user's finger touches the upper movement key 903a, the relative position of the frame 902 with respect to the input key 901a moves upward. Since the position of the frame 902 is fixed on the actual input screen 900, the input key displayed in the display area 901b is displayed as if it has moved upward.

  The movement distance of the frame 902 (or the input key) may be a fixed distance when the user's finger contacts the movement keys 903a to 903d once, or may be variable according to the contact time with the movement keys 903a to 903d. good.

  According to the third embodiment, when the display area of the input key is moved, the direction of movement is guided, so that it is possible to reduce the risk of leakage of the personal identification number and facilitate the user's operation. Is possible.

(4) Fourth Embodiment Hereinafter, a fourth embodiment will be described.

  FIG. 11 is a diagram showing a password input screen 1100 in the present embodiment. In the input screen 1100 according to the present embodiment, the input key 1101 is enlarged, and in addition to the input key 1101 displaying a part of the keys corresponding to the numbers from 0 to 9 and the frame 1102, the display of the input key 1101 is displayed. Movement keys 1103a, 1103b, 1103c, 1103d, 1103e, 1103f, 1103g, and 1103h for moving the area are provided. These movement keys 1103a to 1103h are displayed in a color different from that of the input key 1101 or blinking.

  The movement key 1103a is an upper movement key that moves the display area of the input key 1101 upward, the movement key 1103b is a lower movement key that moves the display area of the input key 1101 downward, and the movement key 1103c is the movement key 1103c. A left movement key for moving the display area of the input key 1101 to the left and a movement key 1103d are right movement keys for moving the display area of the input key 1101 to the right. The process of moving the area displayed in the frame 1102 among the input keys on the input screen 1100 is the same as in the third embodiment.

  Further, in the case of the input screen 1100 shown in FIG. 11, the upper right side move key 1103e having the functions of the move keys 1103a and 1103d, the upper left side move key 1103f having the functions of the move keys 1103a and 1103c, and the move keys 1103b and 1103c. A lower left movement key 1103g having both functions and a lower right movement key 1103h having the functions of movement keys 1103b and 1103d are provided.

  FIG. 12 is a diagram showing a state in which the user's finger continuously touches the right movement key 1103d for a predetermined time on the password input screen 1100. Among the input keys 1101, the “6” key provided on the right side of the “5” key is displayed outside the frame 1102 and on the right side of the right movement key 1103. When the user's finger is released from the right movement key 1103d, the display area of the force key 1101 moves to the right side, and the “6” key is displayed.

  The input screen 1100 includes a cancel key 1104 that is pressed when canceling the transaction, a correction key 1105 that is pressed when correcting the input password, and a key that is pressed when confirming the input password. The confirmation key 1106 may be provided.

  According to the fourth embodiment, since the display area of the input key is reduced and the direction of movement is guided, even if the display / operation unit 2 is easy to be seen, the risk of leaking the code number is reduced. It is possible to make the operation of the user easy.

(5) Fifth Embodiment Hereinafter, a fifth embodiment will be described.

  FIG. 13 is a diagram showing a password input screen 1300 in the present embodiment. The input screen 1300 in the present embodiment is common to the first embodiment in that it includes an input key 1301 that displays a part of keys corresponding to numbers from 0 to 9 and a frame 1302. However, among the input keys 1301, only selectable input keys are displayed, and input keys that cannot be selected are not displayed (in the case of FIG. 13, corresponding portions are displayed in black). This is different from the first embodiment.

  That is, the input screen 1300 in the present embodiment displays differently the input keys that can be selected by the user and the input keys that cannot be selected by the user. The input screen 1300 includes a cancel key 1303 that is pressed when canceling the transaction, a correction key 1304 that is pressed when correcting the input password, and a key that is pressed when confirming the input password. The confirmation key 1305 may be provided.

  According to the fifth embodiment, by clearly displaying the input keys that cannot be selected, it is possible to reduce the risk of leaking the password while facilitating the user's operation.

(6) Sixth Embodiment Hereinafter, a sixth embodiment will be described.

  FIG. 14 is a diagram showing a password input screen 1400 in the present embodiment. The input screen 1400 according to the present embodiment includes an input key 1401 in which the input key 1401 is enlarged and a part of the keys corresponding to numbers 0 to 9 are displayed, and a frame 1402. This is common to the fourth embodiment. However, the key 1403a, 1403b, 1403c, and 1403d is different from the fourth embodiment in that the number display position is changed so that the number is displayed in the display area in the frame 1402. The input screen 1400 includes a cancel key 1404 that is pressed when canceling the transaction, a correction key 1405 that is pressed when correcting the input password, and a key that is pressed when confirming the input password. The confirmation key 1406 may be provided.

  According to the sixth embodiment, even when the display area of the input key is made small, by displaying the number of the input key, it is possible to reduce the risk of leakage of the personal identification number and perform the user's operation. It can be easy.

(7) Seventh Embodiment Hereinafter, a seventh embodiment will be described.

  FIG. 15 is a diagram showing a password input screen 1500 in the present embodiment. The input screen 1500 in the present embodiment is common to the first embodiment in that the input screen 1500 includes an input key 1501 that displays some of the keys corresponding to numbers 0 to 9 and a frame 1502. ing. However, the second embodiment is different from the first embodiment in that a shuffle key 1503 for randomly changing the arrangement of input keys is provided. The input screen 1500 includes a cancel key 1504 that is pressed when canceling the transaction, a correction key 1505 that is pressed when correcting the input password, and a key that is pressed when confirming the input password. The confirmation key 1506 may be provided.

  According to the seventh embodiment, by further changing the arrangement of the input keys, it is possible to further reduce the risk of leaking the personal identification number.

  Note that the present invention is not limited to the above-described embodiments as they are, and can be modified without departing from the scope of the invention at the stage of implementation. In addition, two or more of the above embodiments may be combined. For example, when the first embodiment and the second embodiment are combined, or when the size of the input key is increased. The frame size may be reduced. Further, the shape of the frame is not limited to a substantially rectangular shape, and may be, for example, a substantially circular shape, a substantially triangular shape, or a substantially round shape.

1: Automatic transaction device, 2: Operation / display unit, 300, 400, 700, 900, 1100, 1200, 1300, 1400, 1500: Password input screen

Claims (9)

A display operation unit that displays a guidance screen and accepts an input operation by a user;
A display screen creation unit for creating a guide screen to be displayed on the display operation unit, and an automatic transaction apparatus comprising:
The display screen creation unit creates a display screen for displaying a part of input target keys in a display area of an input key used for inputting numbers, and performs an input operation accepted by the display operation unit. Along with this, an automatic transaction apparatus characterized in that the input target key displayed in the display area is changed. The automatic transaction apparatus according to claim 1,
The display screen creation unit displays a part of the keys to be input in the display area by enlarging the size of the keys to be input. The automatic transaction apparatus according to claim 2,
An automatic transaction apparatus, wherein the number of the key to be input is reduced and displayed. The automatic transaction apparatus according to any one of claims 1 to 3,
The automatic transaction apparatus characterized in that the display screen creation unit displays a part of the input target keys in the display area by reducing the display area. The automatic transaction apparatus according to any one of claims 1 to 4,
The display screen creation unit displays a movement key for moving the display area. The automatic transaction apparatus according to claim 5,
The display screen creation unit displays the movement key in a color different from that of the input key, or displays the movement key in a blinking manner. The automatic transaction apparatus according to any one of claims 1 to 6,
The automatic transaction apparatus, wherein the display screen creation unit displays differently the input key that can be selected by the user and the input key that cannot be selected by the user. The automatic transaction apparatus according to any one of claims 1 to 7,
The automatic transaction apparatus characterized in that the display screen creation unit changes and displays the position of the number so that the number is displayed in the display area. The automatic transaction apparatus according to any one of claims 1 to 8,
The automatic transaction apparatus, wherein the display screen creation unit displays a shuffle key for randomly changing the arrangement of the input keys.

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