JP2019125390A - Transaction device - Google Patents

Abstract

To provide a transaction device that can address a plurality of password information input schemes in accordance with a medium to be used for a transaction.SOLUTION: The present invention relates to a transaction device. The transaction device of the present invention includes a card insertion port, a soft key and a hard key that can accept input of password information, and a transaction processing unit that performs transaction processing at least using the accepted password information. In a case where input of the password information is performed by a customer with the hard key rather than the soft key in customer authentication for a card inserted through the card insertion port, the transaction processing unit causes information that guides that an input destination of the password information is the hard key to be output.SELECTED DRAWING: Figure 1

Description

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

  Conventionally, in the ATM, there are two input methods as an input method of a personal identification number, an input by a soft key on a touch panel display, or an input using a hard key (hereinafter also referred to as "PINPAD") capable of number input. (Refer patent document 1, 2).

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

JP, 2012-022438, A JP, 2012-108796, A

  By the way, when supporting ATMs installed in Japan and dealing with credit cards in foreign countries other than Japan, usually, not all foreign cards are handled at once, but only one foreign card is handled first. Then increase the number of cards handled. As mentioned above, the standard of the security level (security policy) about a personal identification number entry is decided for every card company.

  However, in the conventional ATM, only one security level can be handled for the input of password information such as a password. That is, in the conventional ATM, only one or both of the soft key and the hard key (PINPAD) can be handled, so that different security levels can be supported for different types of credit cards used for transactions. could not.

  Therefore, according to the medium used for a transaction, the transaction apparatus which can respond to the input system of a plurality of personal identification information is desired.

  The transaction apparatus of the first invention of the present invention comprises (1) a card insertion slot, (2) a soft key and a hard key capable of accepting input of password information, and (3) transaction processing using at least the accepted password information. (4) In the case of the identification of the card inserted from the card insertion slot, when the customer inputs the PIN information not from the soft key but from the hard key, the transaction processing part The input destination of the password information is characterized by outputting information for guiding the user to be the hard key.

  The transaction apparatus of the second invention of the present invention is a transaction process using at least (1) a card insertion slot, (2) a soft key and a hard key capable of accepting input of password information, and (3) the accepted password information. (4) when the card inserted from the card insertion slot is a foreign credit card, the transaction processing unit guides the input destination of the password information to be the hard key Information to be output.

  A transaction apparatus capable of coping with a plurality of input methods of password information is provided according to the medium used for the transaction.

It is the block diagram shown about the functional composition of ATM concerning a 1st embodiment. It is a perspective view of ATM which concerns on 1st Embodiment. It is a top view expanding and showing PINPAD carried in ATM concerning a 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 the transaction of caching is performed by ATM which concerns on 1st Embodiment. It is explanatory drawing shown about the structural example of the card | curd selection screen displayed by ATM which concerns on 1st Embodiment. It is explanatory drawing shown about the PIN-number input screen (the 1) displayed by ATM which concerns on 1st Embodiment. It is explanatory drawing shown about the PIN-number 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-number input screen (the 1) displayed by ATM which concerns on 2nd Embodiment. It is explanatory drawing shown about the PIN-number input screen (the 2) displayed by ATM which concerns on 2nd Embodiment.

(A) First Embodiment Hereinafter, a first embodiment of a transaction apparatus according to the present invention will be described in detail with reference to the drawings. In the first embodiment, an example in which the transaction apparatus of the present invention is applied to an ATM will be described.

(A-1) Configuration of 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.

  The ATM 1 is installed in a store of a financial institution, a convenience store or the like, and is operated by an operation of a customer (user) who performs transaction processing or information processing (for example, transaction processing) involving communication with the host computer 2. It performs transaction processing with a customer (for example, cashing transaction using a card of the customer, etc.).

  The ATM 1 can execute transactions using a medium such as a credit card or a cash card. In the following, an example in which a cashing transaction (a transaction accompanied by a withdrawal) using a credit card at ATM 1 will be mainly described.

  The ATM 1 includes a control unit 10, a data storage unit 20 as information holding means, an operation display unit 30 as a first input means, 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 information and the like necessary for the control unit 10 to perform information processing, and can be configured by, for example, various memories and the like. Further, the data storage unit 20 stores security information 21 described later.

  The control unit 10 can be realized, for example, by installing the program (the program including the processing configuration of the transaction processing unit 110) or the like of the embodiment in a program implementation configuration (computer) including a processor or the like. The above program may be stored, for example, in the data storage unit 20, and the control unit 10 may read and execute the program 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 control of each component in the ATM 1 along with information processing (including processing associated with presentation of information to the customer and operation acceptance) for conducting a transaction with a customer It is.

  The operation display unit 30 as an operation screen display unit is responsible for the user interface function of the ATM 1. The operation display unit 30 provides the customer with an operation screen 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 perform information output and operation reception (reception of information input).

  The card reader 40 sucks a card (for example, a credit card or a cash card) inserted from a customer into the card insertion and ejection port 41 to read data.

  The receipt printer 50 discharges a receipt on which the content of the transaction is printed from the receipt discharge unit 51.

  The journal printer 70 prints the history of transaction contents on a sheet (for example, a roll sheet for journals).

  The cash processing unit 60 has a function of storing cash (bills and / or coins) received from a customer, and a function of dispensing (discharging) the stored cash to the customer. In this embodiment, the cash processing unit 60 is assumed to have a bill storage unit 610 for storing bills and a coin storage unit 620 for storing coins. In the bill storage unit 610, it is possible to deposit or withdraw bills from the bill deposit / withdrawal port 611 shown in FIG. In addition, in the coin storage unit 620, it is possible to deposit and withdraw money from the coin depositing and dispensing port 621 shown in FIG.

  The PINPAD device 80 is a device capable of accepting numeric input such as a personal identification number or a transaction amount, and the control unit 10 is provided with a hard key unit 81 and data obtained by encrypting the personal identification number input to the hard key unit 81. An encryption processing unit 82 is provided.

  In the PINPAD device 80, when accepting the input of the personal identification number, the content input by the hard key unit 81 is encrypted by the encryption processing unit 82 and then output to the outside (control unit 10) of the PINPAD device 80 I assume. On the other hand, the control unit 10 encrypts the password using the soft key (the operation display unit 30) in software. Therefore, it is assumed that the security code input with the PINPAD device 80 has a smaller risk of security code leakage and the like than the security code input with the soft key (the operation display unit 30) and the security level is high.

  FIG. 3 is a plan view of the hard key portion 81 constituting the PINPAD device 80. As shown in FIG. In FIG. 3, parts other than the hard key part 81 are omitted.

  As shown in FIG. 3, in the hard key unit 81, a ten key 811 for inputting numerals of "0" to "9" and correction of inputted numerals (for example, a part or all of already inputted numerals) Correction key 812 for performing deletion), a confirmation key 813 for receiving confirmation of the input content, and "10,000", "one thousand", and "yen" amount input keys 813 and 814 used when receiving the money input. , 815 are arranged. In the PIN PAD device 80, when the key of the hard key unit 81 is pressed, it is possible to receive numeric input such as a personal identification number or a transaction amount.

  Next, the contents of the process in which the transaction processing unit 110 receives an input such as a personal identification number from a customer will be described.

  When accepting 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 input format (number of digits of the password) of 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 uses the input method according to the security information 21 to input the personal identification number 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 being configured as shown in FIG.

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

  In the security information 21, as an input method, a value “normal” capable of accepting a password input from the operation display unit 30 (soft key), or “PINPAD” capable of accepting an input of a password only from the PINPAD device 80 It is assumed that one of the values is set. In addition, as the input method, a value capable of accepting 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 personal identification number is accepted only from the PINPAD device 80, PINPAD is set as the card type input method for which a higher security level is required.

  In the security information 21, information on the number of digits of the personal identification number that accepts an 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 the ATM 1, the contents of the security information 21 may be downloaded from the external server by communication and cached, or may be registered by a person in charge of maintenance or the like. Further, in the ATM 1, the data itself of the security information 21 may not be stored, but may be read from an external server or the like as needed, held, and referred to.

  Although there is no limitation on the method of recognizing the types (for example, brand of credit card, card company, etc.) that can be settled by the card into which the transaction processing unit 110 is inserted, for example, data recorded on the card (card It may be made to recognize based on a number etc.).

  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 First Embodiment Next, the operation of the ATM 1 of the first embodiment having the configuration as described above will be described.

  Hereinafter, an operation in the case where a cash transaction is performed as a withdrawal transaction using a card (credit card) accompanied by the input of a personal identification number in the ATM 1 will be described as an example.

  FIG. 5 is a flow chart showing an operation when a payment transaction is performed by the control unit 10 (transaction processing unit 110) configuring the ATM 1.

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

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

  Here, although the illustration of the details of the transaction selection screen is omitted, the following description will be made assuming that the caching transaction is selected by the customer as the transaction accompanied by the input of the personal identification number.

  Then, when a cash transaction is selected on the transaction selection screen, the transaction processing unit 110 acquires data (card number) etc. of the card inserted in the card reader 40, and the card type (card) that can be cash transaction with the card Extract type ID). Then, the transaction processing unit 110 displays a “card selection screen” for causing the customer to select the card type to be applied in the present caching transaction from the extracted card types, and accepts the selection of the card company from the customer (S103) .

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

  Next, the transaction processing unit 110 acquires, from the security information 21, information on the input method and input format of the PIN corresponding to the selected card type, and the input method and input format of the PIN in the current cash transaction. Are selected (selected) (S104).

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

  When the customer enters the PIN on the PIN input screen, the transaction processing unit 110 causes the operation display unit 30 to display a “transaction amount entry screen” that requests the customer to enter the transaction amount, The input is accepted (S106). In addition, 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 receives confirmation of the transaction amount from the customer .

  Next, the transaction processing unit 110 executes information processing (for example, transaction processing using a message with the host computer 2) related to the transaction (caching transaction) and is assumed to be successful (S107).

  Next, the transaction processing unit 110 executes receipt output processing from the receipt printer 50 (S108), card ejection processing from the card reader 40 (S109), and cash associated with the cash transaction from the cash processing unit 60 according to the information processing result of the transaction. The payment process (S110) is to be performed.

  Next, details of the process in which the transaction processing unit 110 accepts the input of the personal identification number in the above-described step S105 will be described.

  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, the transaction processing unit 110 can receive an input of a password from the operation display unit 30. When the transaction processing unit 110 can receive a password from the operation display unit 30, the transaction processing unit 110 receives an input of the password using, for example, an operation screen as shown in FIG.

  In the operation screen shown in FIG. 7, soft key SK201 for accepting the input of the personal identification number and field F201 for displaying the number of digits of the input personal identification number are arranged. Then, in soft key SK201, ten-key pad K201 for inputting the personal identification number, confirmation key K203 for confirming the input of the personal identification number, and correction of the input personal identification number (for example, a part of the already inputted numbers) And a correction key K 202 for erasing the entire image. In the field F201, symbols of "*" for the number of digits in which the personal identification number 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 input of the personal identification number from the PINPAD device 80 (hard key unit 81), or the PINPAD device 80 (hard key unit It is also possible to accept the password input from 81).

  Next, when the input method corresponding to the inserted card is "PINPAD", the processing of the transaction processing unit 110 to receive the input of the personal identification number will be described. In this case, the transaction processing unit 110 can accept the input of the personal identification number only from the PINPAD device 80. In the case where the transaction processing unit 110 can receive the password only from the PINPAD device 80, for example, the transaction processing unit 110 receives an 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 password is arranged. In the field F301, symbols of "*" for the number of digits for which the personal identification number is input are displayed.

  In the state where the operation screen of FIG. 8 is displayed, the transaction processing unit 110 does not receive the password input by the soft key, so the soft key is not arranged, but the soft key is displayed in grayed out (for example, An image in which each key of the soft key SK201 shown in FIG. 7 is grayed out may be displayed.

  Next, details of the process in which the transaction processing unit 110 receives the input of the transaction amount in step S106 described above will be described.

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

  In the operation screen shown in FIG. 9, a soft key SK401 for accepting transaction amount input and a field F401 for displaying the entered transaction amount are arranged. Then, the soft key SK401 includes a ten key K401 for inputting the transaction amount, a confirmation key K403 for confirming the input of the transaction amount, and correction of the transaction amount (for example, a part or all of the numbers already input) The correction key K 402 for deleting the image data, and the money input keys 404 K, 405 K, and 406 K for “10,000”, “one thousand”, and “yen” which are used when accepting the money 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. In addition, when the transaction processing unit 110 receives an input of a personal identification number using a soft key, the transaction amount may also be able to be input using the soft key. In this case, the input from the PINPAD device 80 is disabled. Furthermore, when the transaction processing unit 110 receives the input of the personal identification number by the PINPAD device 80 (hard key unit 81), the transaction amount may also be input by the PINPAD device 80 (hard key unit 81). In this case, input from the soft key is disabled.

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

  In the ATM 1, 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 cards of multiple security levels.

  Further, in the ATM 1, the input method and the like for each card type are registered in the security information 21 and the transaction processing unit 110 makes the processing corresponding to each input method (configuration of operation screen etc.) You can add a new security level card handling process without affecting it.

(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 the second embodiment, an example in which the transaction apparatus of the present invention is applied to an ATM will be described.

(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. Only the differences from the first embodiment of the ATM 1 of the second embodiment will be described below.

  In the ATM 1 of the second embodiment, the processing of the transaction processing unit 110 when the input method corresponding to the inserted card is “PIN PAD” is different.

  If 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 continuing (a state where the input of the personal identification number is not performed continues), processing of switching the operation screen displayed on the operation display unit 30 is performed. Specifically, in this case, the transaction processing unit 110 displays an operation screen for guiding the customer to input the PIN number using the PINPAD device 80. For example, at this time, the transaction processing unit 110 may cause the operation display unit 30 to display an operation screen as shown in FIGS. 10 and 11.

  In FIG. 10, an image G301 for guiding the input of the password using the PINPAD device 80 and a message notifying the number of digits of the password to be input are further displayed on the operation screen of FIG. The message "10 digits is entered" is displayed. Further, an image G301 shown in FIG. 10 is an image showing the position of the PINPAD device 80 in the whole of the ATM 1, and makes it easier for the customer to recognize the input of the PIN code by the PINPAD device 80.

  In FIG. 11, the image G301 in FIG. 10 described above is replaced with an image G302 indicating an input operation using the PINPAD device 80. Note that the image G302 may be an animation image of an input operation (for example, an image in which the image of a finger shown in FIG. 11 operates to become an animation of the input operation).

(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, there is a possibility that time-out may increase because the operation is not well understood if the input method in the PINPAD device 80 is not displayed in the operation screen picture, but in the second embodiment, the customer By displaying a guidance message or an image for guiding a password 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 embodiments, and may include modified embodiments as exemplified below.

  (C-1) In each of the above embodiments, an example is shown in which the transaction apparatus of the present invention is applied to ATM, but other media (e.g., cards etc.) and transactions involving the input of the personal identification number corresponding to the media It can apply to the transaction apparatus (for example, the ticket vending machine etc. which used electronic money) to perform.

  (C-2) In each of the above embodiments, an example in which the present invention is applied to the input of the password in the ATM has been described, but it may be applied to other password information (for example, input of password including characters). You may

  (C-3) In each of the above embodiments, an example was described in which the hard key of the PINPAD device and the soft key of the operation display unit were applied to the ATM as input means, 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 ... Communications part, 130 ... Monitoring processing part, 20 ... Data storage part, 21 ... Security information, 30 ... Operation display part, 40 ... Card reader, 41 ... Card insertion and discharge port 50: receipt printer 51: slip output unit 60: cash processing unit 611: bill depositing and dispensing port 621: coin depositing and dispensing port 70: journal printer 80: PINPAD device 81: hard key 811: ten key, key 812: correction, 813: confirmation key, 82: encryption processing unit.

Claims (10)

Card slot and
Soft keys and hard keys that can accept input of password information,
A transaction processing unit that performs transaction processing using at least the accepted password information;
When personal information input from the hard key instead of the soft key is performed by the customer in the identity verification of the card inserted from the card insertion slot, the transaction processing unit determines that the input destination of the personal identification information is the hard key The transaction apparatus characterized by outputting the information which guides that it is.   The transaction apparatus according to claim 1, wherein the information to be guided is displayed on a display screen.   The transaction apparatus according to claim 1 or 2, wherein the information to be guided means that the input destination of the password information is not the soft key.   The transaction apparatus according to claim 3, wherein the information to be guided means that the soft key is not displayed on the screen for inputting the password information.   5. The transaction apparatus according to claim 4, wherein the information to be guided means that the soft key can not be input on the screen for inputting the password information.   The transaction apparatus according to claim 1, wherein the information to be guided is not the soft key but information prompting an input by the hard key.   7. The transaction apparatus according to claim 6, wherein the information for prompting the user not to input the soft key but the soft key is not displaying the soft key. Card slot and
Soft keys and hard keys that can accept input of password information,
A transaction processing unit that performs transaction processing using at least the accepted password information;
When the card inserted from the card insertion slot is a foreign credit card, the transaction processing unit outputs information for inducing that the input destination of the personal identification information is the hard key. apparatus.   The transaction apparatus according to claim 8, wherein the soft key is not displayed on the screen for inputting the password information.   9. The screen according to claim 8, wherein the soft key is not displayed on the screen for inputting the password information, but the soft key is displayed when a credit card in Japan is inserted into the card insertion slot. Trading device.

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