JP2017041137A - Automatic transaction machine, and personal identification number input method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an automatic transaction machine and a personal identification number input method capable of allowing a user to input a personal identification number with a familiar operation while avoiding steal a glance.SOLUTION: The automatic transaction machine comprises: a first input unit that receives an input of a part or all of personal identification number of predetermined number of digits; a second input unit that receives an input of a remaining digit of the personal identification number of predetermined number of digits; and a control unit authenticates a user based on the personal identification number of predetermined number of digits which is input from the first input section or/and the second input section and preregistered personal identification number.SELECTED DRAWING: Figure 1

Description

  The present invention relates to an automatic transaction apparatus and a method for inputting a personal identification number of the automatic transaction apparatus.

  Conventionally, in an automatic transaction apparatus, it is common to input a personal identification number at the start of a transaction. The password is generally displayed on a display device with a touch panel as a numeric keypad, or provided with a numeric keypad in the vicinity of the display device, and a 4-digit numerical value is input.

  Conventional numeric keys generally have numeric keys 0 to 9 arranged in a horizontal row, numeric keys 1 to 9 arranged in 3 rows and 3 columns, and a 0 key arranged in the vicinity thereof. However, since each key is fixed, it presents a big problem that it is easily seen from the back of the user or that the personal identification number is easily known from its operating posture. In order to solve these problems, the above-mentioned problems can be improved by changing the arrangement of numerical keys at random or by arranging the numerical keys from 1 to 0 in a circle and rotating them in the circumferential direction. There is what was tried (for example, patent document 1).

JP 2001-109559 A

  According to the above conventional example, the numeric key layout changes randomly, so it is difficult to determine which number was pressed at the pressed position, or it does not change at random, but changes without changing the order in the circumferential direction. So there is a merit that buttons are not difficult to find. However, in the above-mentioned conventional example, although it is an arrangement similar to a dial type telephone, dials are hardly seen in recent telephones, so that it is not accustomed to operation with such an arrangement, or the button is almost on the whole screen There is a problem that it is easy to see because it is displayed. SUMMARY OF THE INVENTION An object of the present invention is to provide an automatic transaction apparatus and a password input method that are difficult to be seen and can input a password by a familiar operation.

  In order to solve the above-described problems and achieve the object, in the automatic transaction apparatus according to the present invention, a first input unit that accepts an input of a part or all of a predetermined number of PINs, and a PIN of the predetermined number of digits A second input unit that accepts input of the remaining digits, a password of the predetermined number of digits input from the first input unit or / and the second input unit, and a password registered in advance And a control unit that authenticates the user.

  Moreover, this invention is grasped | ascertained also as a PIN code input method performed with the said automatic transaction apparatus.

  According to the present invention, a personal identification number can be input with an operation that is difficult to be seen and is used to.

It is explanatory drawing of the automatic transaction apparatus to which this invention is applied. It is a network block diagram of a bank system. This is a transaction flow in which the fourth digit of the personal identification number is input from the handset. It is an example of a screen displayed on the display screen of an automatic transaction apparatus in FIG. This is a transaction flow in which all the PIN numbers are input from the handset. It is an example of a screen displayed on the display screen of an automatic transaction apparatus in FIG. It is an example of the menu screen for changing the input method of a PIN code. It is an example of an input method change screen.

  Hereinafter, an embodiment of an automatic transaction apparatus and a password input method according to the present invention will be described with reference to FIGS. In the present embodiment, the case where the automatic transaction apparatus and the personal identification number input method according to the present invention are applied to an automatic transaction apparatus employed in a banking system is described. However, the present invention is not limited to this. It can be applied to various devices that need it.

  FIG. 1 is a perspective view of an automatic transaction apparatus according to the present invention and an automatic transaction apparatus to which a password input method is applied. FIG. 2 is a network configuration diagram of a bank system having the automatic transaction apparatus shown in FIG. FIG. 3 is a flowchart showing a processing procedure of a PIN code input transaction performed by the automatic transaction apparatus shown in FIG. FIG. 4 is a screen example displayed on the display screen of the automatic transaction apparatus in the process shown in FIG.

  First, with reference to FIG. 1, the schematic structure of the automatic transaction apparatus in this embodiment is demonstrated. In FIG. 1, an automatic transaction apparatus 1 (hereinafter, ATM1: Automated Teller Machine 1) is installed in a lobby of a financial institution or the like. The ATM 1 is disposed so as to close the L-shaped opening, and the main body housing 10 having an opening cut out in an L-shape when viewed from the side. The front panel 11 is formed.

  The main body housing 10 includes a base housing 12 having an open front surface, a plate-shaped front door 13 provided below the front surface of the base housing 12, and a plate-shaped rear surface disposed on the back surface of the base housing 12. And a door 14. The base case 12 is a mechanism unit that performs various transaction processes, for example, a display unit with a touch panel 220, a card unit 221, a passbook details printing unit 222, which are arranged at a substantially central part of the main body case 10 shown in FIG. A transmission control unit 223, a storage device unit 224, a coin deposit / withdrawal unit 225, a bill deposit / withdrawal unit 226, a call unit 228, a power supply unit 227, a control unit 229, a voice output unit 230, and the like are incorporated, and a display unit with a touch panel 220 operation display units 15 and medium ports of the respective units are arranged so as to be exposed from the front panel 11.

  Returning to FIG. 1, the L-shaped front panel 11 includes a panel surface 16 that forms a vertical surface in front of the main body, and a table portion 17 that forms a horizontal plane. In the present embodiment, a medium handling unit 20 including a card / statement handling port 18 and a passbook handling port 19 is arranged at the center of the panel surface 16 constituting the vertical surface, and an operation is performed at the center of the table unit 17 constituting the horizontal plane. An emergency contact handset 21 and a non-contact card handling unit 22 included in the card unit 221 are arranged near the display unit 15 and the left and right sides thereof. In addition, a bill insertion / discharge port 23 and a coin insertion / discharge port 24 are juxtaposed at the corners of the horizontal and vertical surfaces. In this embodiment, the card unit 221 includes two devices of a non-contact type and an insertion type, and further includes a speaker 802 for outputting voice guidance to the customer.

  The display unit with a touch panel 220 shown in FIG. 2, a card unit 221 that reads and writes various cards, a passbook details print unit 222 that writes a passbook, a coin deposit / withdrawal unit 225, and a banknote deposit / withdrawal unit 226, a call The unit 228 and the voice output unit 230 have the functions of the operation display unit 15, the medium handling unit 20 including the card / detail slip handling port 18 and the passbook handling port 19, the handset 21, and the speaker 802 shown in FIG. Realize. The transmission control unit 223 is a device for connecting to the store network 211.

One of the features of the ATM 1 according to the present embodiment is a method in which a part of the password displayed on the operation display unit 15 is input while being hidden by the body. In this embodiment, the control unit 229 displays a speech bubble 801 indicating a method of inputting a password on the screen displayed on the password input screen 800 displayed by the operation display unit 15.
According to this configuration, for example, as shown in FIG. 1, the fourth digit PIN can be input by the handset 21, and if the PIN is input from the handset, it will not be seen.

  This will be described in more detail with reference to FIGS. First, a bank system in which ATM1 is installed will be described with reference to FIG. In this bank system, a plurality of sales stores 200 are connected by a network 300 to a center 100 that controls the bank system. A plurality of devices are connected to the business store 200 via the store network 211, and these devices are connected to the center 100 via the network 300 to provide various financial services to customers who use this bank system. Can do.

  The center 100 is a center that manages and manages all information in the bank, and has various servers for managing the system and customers who use the system.

  On the other hand, various devices are connected to the business store 200 via the store network 211. For example, in this system, an ATM (automated teller machine) 1, a customer's store entrance / exit, an operation terminal 202 for a clerk to perform various services for the customer, and a store server 201 for managing various information in the store Such as a terminal and a server.

  Further, in this bank system, various information can be provided via a portable terminal 213 owned by the customer, an ID card 212 provided by the bank to the customer, or the like. (Example 1) Next, the transaction flow for displaying the characteristic PIN number input screen 400 of the ATM 1 according to this embodiment will be described in more detail with reference to FIG. 3 and FIG.

  First, when starting a transaction at an ATM, the card unit 221 accepts insertion of a card (step A101). Next, the password is input. Here, the control unit 229 displays the password input screen shown in FIG. 4 on the display unit with touch panel 220 (step A102).

  As shown in FIG. 4, the control unit 229 displays and uses a screen in which an instruction text is displayed in the PIN number input screen 800, and the fourth digit of the PIN number must be input from the left handset in the balloon 801. Instruct the person how to input.

  Next, the control unit 229 determines whether or not the input password is an input method as instructed (step A103). For example, when the personal identification number is four digits, the control unit 229 determines whether or not the display unit with a touch panel 220 has accepted the input of the first three digits from the personal identification number input screen 800, and then continues. Then, it is determined whether or not the call unit 228 has accepted the input of the fourth digit, which is the last digit.

  When determining that the input method is not as instructed (step A103; No), the control unit 229 displays an error message display on the display unit with touch panel 220 and ends the transaction (step A104). For example, the control unit 229 displays a screen that displays an instruction prompting the user to input the password using the correct method, such as the password must be input using the correct input method because the password input method is different. To do.

  On the other hand, if the control unit 229 determines that the input method is as instructed (step A103; Yes), the control unit 229 transmits to the center 100 via the network 300 whether or not the password is correct. It is determined whether or not the number and the password registered in advance match (step A105).

  When the control unit 229 receives from the center 100 that it is determined that the personal identification number does not match (step A105; No), the control unit 229 displays an error message display on the display unit with touch panel 220 and ends the transaction (step A106).

On the other hand, when the control unit 229 receives a notification from the center 100 that the password has been matched (step A105; Yes), the transaction is continued and the money amount input / confirmation is displayed on the display unit 220 with the touch panel (step S105). A107). Finally, the control unit 229 executes the withdrawal / card return and ends the transaction (step A108).
(Embodiment 2) Next, the transaction flow for another example will be described in more detail with reference to FIGS.

  First, when starting a transaction at an ATM, the card unit 221 accepts insertion of a card (step A101).

  Next, the control unit 229 outputs the voice guidance “Please input all passwords from the left handset” from the voice output unit 230 (step A109), and prompts the user to input the password from the handset by voice. .

  Next, the control unit 229 performs password input. Here, the control unit 229 displays a password number input screen shown in FIG. 6 on the touch panel display unit 220 (step A102).

As shown in FIG. 6, the control unit 229 displays a screen displaying an instruction message “Please enter all passwords from the left handset” in the balloon 801 in the password input screen 800. Instruct the input method.
Next, the control unit 229 determines whether or not the input code number is an input method as instructed (step (A103). For example, if the code number is 4 digits, the control unit 229 calls. It is determined whether the unit 228 has accepted input of all the numbers from the first digit to the fourth digit.

  Thereafter, the control unit 229 executes the processes of Steps A104 to A108 as in the case shown in FIGS.

  In this way, unlike the first embodiment, the operability is improved so that the input method is instructed by prompting the user to input a handset by voice guidance. Also, since the voice guidance also exposes the input method to the surrounding people, it is not necessary to input only the fourth digit from the handset, and the instruction is such that all passwords are input from the handset.

  In the above-described embodiment, the method for inputting the personal identification number has been described on the premise that the digit to be input from the touch panel or the handset is stored in advance in a storage unit such as a memory in the control unit 229, and the input method does not change. However, for example, in the past, the first two digits were entered from the touch panel and the remaining two digits were entered from the handset. However, only the first digit is entered from the touch panel and the remaining three digits are entered from the handset. The change in the number of input digits may be accepted. In this case, since the customer can change the method of inputting the password at an arbitrary timing, the password is more difficult to be seen.

  FIG. 7 is a diagram showing an example of a menu screen for changing the method for inputting a password. As shown in Fig. 7, the menu screen changes the PIN code input method with buttons for selecting various transactions such as deposit transaction, withdrawal transaction, balance inquiry, and transfer transaction that ATM1 performs with customers. A password input method change button 803 is displayed. If the display unit with touch panel 220 determines that the selection of the button 803 has been received, the control unit 229 subsequently displays an input method change screen for changing the password input method on the display unit with touch panel 220.

  FIG. 8 is a diagram illustrating an example of an input method change screen. As shown in FIG. 8, in the input method change screen, a code number input field 804 for inputting the number of digits of the code number input from the display unit with touch panel 220, and the number of digits of the code number input from the call unit 228. A password input field 805 for inputting the password is displayed. In the example shown in FIG. 8, the input method of the 4-digit password is changed so that the first two digits are input from the display unit with touch panel 220 and the remaining two digits are input from the call unit 228. I understand.

  In the above example, it is assumed that the first two digits of the code number are input from the display unit with touch panel 220 and the remaining digits are input from the call unit 228. However, the first two digits of the code number are It may be appropriately changed so that it is input from the call unit 228 and the remaining digits are input from the display unit 220 with a touch panel. That is, the input order of the personal identification number using the plurality of personal identification number input media may be appropriately changed based on the designation from the customer via the display unit with touch panel 220. Further, in the above example, the number of digits of the personal identification number is designated, but the digits of the personal identification number may be designated directly such as the first digit and the third digit. By making such a designation possible, since the input pattern of the personal identification number is diversified, it is possible to further reduce the risk of seeing the personal identification number.

  Moreover, in ATM1, as shown in FIG. 1, the card / detail slip handling port 18 is arranged on the right side of the front as viewed from the customer. The customer inputs the password after inserting the card. At this time, the right arm on the side where the card is inserted is often higher than the operation display unit 15. Therefore, even if an attempt is made to steal the password displayed on the operation display unit 15, the right arm cannot be easily seen and seen. However, the left arm on the opposite side is often located at a position lower than the operation display unit 15, and a gap between the customer and the ATM 1 is generated, and the personal identification number displayed on the operation display unit 15 can be seen through the gap. The possibility increases. However, in the ATM 1, since the personal identification number is input from the handset 21 provided on the opposite side to the card / statement handling port 18, the customer's left arm is positioned higher than the operation display unit 15 at the time of the input. It becomes. Therefore, when the password displayed on the operation display unit 15 is to be seen from the rear right side or the rear left side of the customer, the password displayed on the operation display unit 15 by the customer's arm on either side. Since the number is blocked, the password is not easily seen.

  As described above, according to the automatic transaction apparatus to which the present invention is applied, for example, even when the screen operation of the touch panel is peeped or voyeurized with a fixedly installed video camera, it is difficult to see it, And you can enter your PIN with a familiar operation.

DESCRIPTION OF SYMBOLS 1 ... ATM, 10 ... Main body housing | casing, 11 ... Front panel, 12 ... Base housing | casing, 13 ... Front door, 14 ... Back door, 15 ... Operation display part, 16 ... Panel surface, 17 ... Table part, 18 ... Card / Invoice handling port, 19 ... Passbook handling port, 20 ... Medium handling unit, 21 ... Handset, 22 ... Card handling unit, 23 ... Bill insertion / discharge port, 24 ... Coin insertion / discharge port, 100 ... Center, 200 ... Sales store, 201: Sales server, 202: Operation terminal, 211 ... Store network, 212 ... ID card, 213 ... Mobile terminal, 220 ... Display unit with touch panel, 221 ... Card unit, 222 ... Passbook details printing unit, 223 ... Transmission control unit, 224 ... storage device unit, 225 ... coin deposit / withdrawal unit, 226 ... banknote deposit / withdrawal unit, 227 ... power supply unit, 228 ... call unit, 229 ... control unit, 230 ... voice output unit, 30 ... network, 800 ... personal identification number input screen, 801 ... balloon, 802 ... speaker, 803 ... personal identification number input method changing button, 804, 805 ... personal identification number input field.

Claims (6)

A first input unit that accepts an input of a part or all of a predetermined number of passwords;
A second input unit that accepts input of the remaining digits of the predetermined number of passwords;
A control unit that authenticates a user based on the password of the predetermined number of digits input from the first input unit or / and the second input unit and a password registered in advance;
An automatic transaction apparatus comprising: The control unit accepts a change in an input method of the password of the predetermined number of digits input from the first input unit or / and the second input unit,
The automatic transaction apparatus according to claim 1. The control unit accepts designation of the number of digits of the code number inputted from the code number of the predetermined number of digits inputted from the first input unit or / and the second input unit,
The automatic transaction apparatus according to claim 2. The control unit accepts designation of a digit of the input code number among the code numbers of the predetermined number of digits input from the first input unit or / and the second input unit,
The automatic transaction apparatus according to claim 2. A card handling unit that accepts insertion of a card that is a transaction medium for the user to perform a predetermined transaction with the automatic transaction apparatus;
The first input unit is configured with a touch panel disposed in a central portion of the automatic transaction apparatus, and the second input unit is configured with a handset disposed near the touch panel,
The card handling unit and the handset are arranged on the left and right with the touch panel in between,
The automatic transaction apparatus according to claim 1. The first input unit accepts an input of a part or all of a password with a predetermined number of digits,
A second input unit accepts input of the remaining digits of the predetermined number of PINs;
The control unit authenticates the user based on the password of the predetermined number of digits input from the first input unit or / and the second input unit and a password registered in advance.
PIN code input method characterized by the above.

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