JP2020042620A - Automated teller machine, transaction processing system, and transaction processing method - Google Patents

Abstract

To provide a technology of allowing cash payment transaction in an automated teller machine even when a communication line is cut off.SOLUTION: An automated teller machine 1 connected through a communication line to a host computer 2 which includes a storage unit 41 storing an account ledger 81 having transaction history associated with each account includes: a biometric authentication unit 51 which performs biometric authentication on the basis of biometric information stored in an IC chip 4 mounted on an IC card 3 to be used by a user in a transaction with the automated teller machine 1; a payment amount receiving unit 52 which receives the amount to be paid based on an operation of the user when the biometric authentication by the biometric authentication unit 51 is permitted; a cash payment unit 53 which pays the amount to be paid received by the payment amount receiving unit 52 by cash; and an off-line transaction history write unit 54 which writes the amount paid by the cash payment unit 53 during off-line of the communication line in the IC chip 4, as offline transaction history for updating the transaction history in the account ledger 81 when the communication line is recovered.SELECTED DRAWING: Figure 4

Description

  The present invention relates to an automatic transaction device, a transaction processing system, and a transaction processing method.

  2. Description of the Related Art Conventionally, automatic transaction devices such as ATMs (Automated Teller Machines) installed in stores of financial institutions such as banks, convenience store stores, and the like include an authentication server and a host computer in which an account ledger is stored. Various transactions are conducted on the premise of online connection with communication networks.

  Such an automatic transaction apparatus is connected online with a host computer of a bank via a dedicated line, and displays an authentication information input screen for prompting the user to input authentication information when a bank card is inserted. The automatic transaction device acquires the authentication information input by the input device, communicates with the host computer or the authentication server of the bank, and acquires the bank card information from the bank host computer when the authentication is successful. An apparatus has been proposed (for example, see Patent Document 1).

JP 2008-234505 A

  However, various transactions performed by the automatic transaction apparatus are premised on being connected online through a communication line. For this reason, when a large-scale disaster occurs and the communication line of a financial institution store or the like is cut off, the automated teller machine can identify itself with a personal identification number through an authentication server, or use an account ledger recorded on a host computer. Will not be able to check your balance. Therefore, when the communication line is disconnected, there is a problem that the automatic transaction apparatus cannot perform a transaction for paying cash.

  The present invention has been made in view of the above problems, and has as its object to provide a technology that enables an automatic transaction apparatus to perform cash payment transactions even when a communication line is disconnected.

  According to one aspect of the present invention, in an automatic transaction device connected via a communication line to a host computer including a storage unit that stores an account ledger in which a transaction history is associated with each account, A biometric authentication unit that performs biometric authentication based on biometric information stored in an IC chip mounted on a card used for a transaction, and, if biometric authentication by the biometric authentication unit is permitted, the user's operation A payment amount receiving unit that receives a payment amount based on the payment amount received by the payment amount receiving unit in cash, and a cash payment unit that pays the cash amount when the communication line is offline, Offline transaction history written in the IC chip as an offline transaction history for updating the transaction history of the account ledger when the communication line is restored Characterized in that it comprises a write unit.

  According to one aspect of the present invention, a transaction includes a host computer including a storage unit that stores an account ledger in which a transaction history is associated with each account, and an automatic transaction device connected to the host computer through a communication line. A processing system, wherein the automatic transaction device is a biometric authentication unit that performs biometric authentication based on biometric information stored in an IC chip mounted on a card used for a transaction with the automatic transaction device, When biometric authentication by the biometric authentication unit is permitted, a payment amount receiving unit that receives a payment amount based on the operation of the user, and a cash payment that pays the payment amount received by the payment amount receiving unit in cash. Unit and the payment amount paid by the cash payment unit when the communication line is offline, and updates the transaction history of the account ledger when the communication line is restored. There is an offline transaction history writing unit that writes in the IC chip as an offline transaction history for the operation, and the offline transaction history written by the offline transaction history writing unit in the IC chip when the communication line is restored. An off-line transaction history determination unit for determining whether or not the off-line transaction is written in the IC chip when the off-line transaction history determination unit determines that there is an off-line transaction history in the IC chip. An offline transaction history transmitting unit that transmits a history to the host computer, wherein the host computer stores the account stored in the storage unit based on the offline transaction history transmitted by the offline transaction history transmitting unit. It has a ledger transaction history update unit that updates the transaction history of the ledger, That.

  Further, according to one aspect of the present invention, there is provided a transaction processing method for an automatic transaction apparatus connected via a communication line to a host computer including a storage unit for storing an account ledger in which a transaction history is associated with each account. Performs biometric authentication based on the biometric information stored in the IC chip mounted on the card used for the transaction with the automatic transaction device, and when the biometric authentication is permitted, Offline transaction for updating the transaction history of the account ledger when the communication line is restored, receiving the payment amount based on the received payment amount in cash, and paying the payment amount when the communication line is offline. The history is written in the IC chip.

  According to one aspect of the present invention, a transaction includes a host computer including a storage unit that stores an account ledger in which a transaction history is associated with each account, and an automatic transaction device connected to the host computer through a communication line. A transaction processing method of a processing system, wherein the automatic transaction device performs biometric authentication based on biometric information stored in an IC chip mounted on a card used by a user for transactions with the automatic transaction device, When the biometric authentication is permitted, a payment amount based on the operation of the user is received, the received payment amount is paid in cash, and the payment amount paid when the communication line is offline is used for the communication. Write in the IC chip as an offline transaction history for updating the transaction history of the account ledger when the line is restored, and restore the communication line It is determined whether or not there is the offline transaction history written in the IC chip, and if it is determined that there is an offline transaction history in the IC chip, the offline transaction history written in the IC chip is determined. Transmitting an offline transaction history to the host computer, wherein the host computer updates the transaction history of the account ledger stored in the storage unit based on the offline transaction history transmitted from the automatic transaction device. Features.

  According to one embodiment of the present invention, even in a case where a communication line is disconnected, a transaction for paying cash can be performed in the automatic transaction device.

It is a figure showing an example of transaction processing system 100 concerning this embodiment. FIG. 3 is a block diagram illustrating an example of a hardware configuration of the ATM 1. FIG. 3 is a block diagram illustrating an example of a hardware configuration of a host computer. It is a figure showing an example of functional composition of transaction processing system 100 concerning this embodiment. FIG. 3 is a diagram illustrating an example of a data structure of a memory in an IC chip 4 of the IC card 3. It is a figure showing an example of the offline transaction history stored in the offline transaction history storage area 93. It is a figure showing an example of a payment acceptance screen. FIG. 6 is a diagram showing an example of a transaction journal written in an electronic journal 61. FIG. 4 is a diagram illustrating an example of an account ledger 81 stored in a storage unit 41 of the host computer 2. It is a flow chart which shows an example of transaction processing which transaction processing system 100 performs. Flowchart showing an example of offline transaction processing executed by transaction processing system 100 FIG. 3 is a diagram illustrating an example of a receipt medium. It is a flowchart which shows an example of the online transaction processing which the transaction processing system 100 performs. It is a flow chart which shows an example of transaction history detailed inspection processing which transaction processing system 100 performs.

  Hereinafter, embodiments of the present invention will be described in detail.

  FIG. 1 is a diagram illustrating an example of a transaction processing system 100 according to the present embodiment. As shown in FIG. 1, the transaction processing system 100 has an ATM 1 and a host computer 2. The ATM 1 and the host computer 2 are communicably connected to each other via a dedicated line or a communication line (network N) of a closed network such as a VPN (Virtual Private Network). Transaction processing system 100 may include other devices and servers not shown in FIG.

  The ATM 1 executes various transactions such as deposit, withdrawal, transfer and balance inquiry using a personal identification number or biometric information input by the user when the communication line is online, and performs the user's biometrics when the communication line is offline. It is a device that executes a withdrawal transaction using information. The ATM 1 is also called an automatic teller machine. ATM1 is an example of an automatic transaction device. In the following description, an explanation will be given using ATM1 as a representative of the automatic transaction apparatus. The ATM 1 switches the communication mode to the online transaction possible mode when the communication line is online, and switches the communication mode to the offline transaction possible mode when the communication line is offline, based on the operation of a staff member or the like.

  The card used in the ATM 1 is, for example, a bank card (hereinafter, referred to as “IC card 3”) that stores information on a bank account of a customer (user) in an IC chip. The recording data stored in the IC chip 4 of the IC card 3 includes the user's biometric information, bank code, store number, account, account number, and the like. The IC chip 4 also includes a biometric authentication application and the like. The structure inside the IC chip 4 will be described later.

  FIG. 2 is a block diagram illustrating an example of a hardware configuration of the ATM 1. The ATM 1 includes an ATM control unit 10, a storage unit 11, a display unit 12, an input unit 13, a biological sensor unit 14, a passbook processing unit 15, a card processing unit 16, a bill processing unit 17, a coin processing unit 18, a receipt issuing unit 19, It has a communication unit 20. The ATM 1 may have another circuit configuration not shown in FIG.

  The ATM control unit 10 controls the entire ATM 1 and has a CPU (Central Processing Unit) (not shown) for reading a program and executing a control process. The storage unit 11 includes a random access memory (RAM), a read only memory (ROM), a hard disk drive (HDD), and the like. The storage unit 11 stores a program executed by the ATM control unit 10, display screen data, and other various data. The storage unit 11 provides a work area when the ATM control unit 10 executes a program. The storage unit 11 has an electronic journal that stores a transaction journal. The transaction journal will be described later.

  The display unit 12 is, for example, an LCD (Liquid Crystal Display), and displays an operation screen, a display screen, a menu screen, a guide screen for operation instructions, and the like to a user of the ATM 1 in accordance with an instruction from the ATM control unit 10. . The input unit 13 is a touch panel integrated with the display unit 12, and allows the user to select and enter a transaction type, a transfer destination, a transfer source, a transfer amount, a password, a deposit / withdrawal amount, and the like. The received information is notified to the ATM control unit 10.

  The biometric sensor unit 14 reads biometric information of a user who performs biometric authentication under the control of the ATM control unit 10. The ATM control unit 10 transmits the biological information read by the biological sensor unit 14 to the IC chip 4 of the IC card 3. The biometric authentication application in the IC chip 4 performs biometric authentication based on the biometric information transmitted from the ATM control unit 10 and the biometric information of the user in the IC chip 4. The biometric authentication application transmits the authentication result of the biometric authentication to the ATM control unit 10.

  In the present embodiment, the biological sensor unit 14 is configured by a palm vein sensor that reads biological information of the palm vein of the user. The biometric sensor unit 14 is provided, for example, near the display unit 12 of the ATM 1 housing. In the above-described embodiment, the biological sensor unit 14 is configured by a palm vein sensor, but is not limited thereto. For example, a face authentication sensor, an iris authentication sensor, a fingerprint authentication sensor, or the like may be used.

  The passbook processing unit 15 converts the passbook inserted in the passbook entrance provided at the front of the ATM 1 into a passbook transport path for transporting the passbook inside, a printing unit for printing transaction details on the passbook, and data on a magnetic stripe attached to the passbook. It has an MS recording / reproducing unit for reading and writing data. The passbook processing unit 15 has a passbook sensor for detecting a passbook at the passbook entry / exit. The passbook processing unit 15 detects the insertion of the passbook or the removal of the discharged passbook by the passbook sensor, and sends it to the ATM control unit 10. Notice.

  The card processing unit 16 transports a card inserted into a card inlet / outlet provided in front of the ATM 1, or discharges the card to the card inlet / outlet, and a magnetic card attached to a magnetic card. It has an MS recording / reproducing unit for reading / writing stripe data, and a memory recording / reproducing unit for reading / writing IC card memory. The card processing unit 16 has a card sensor for detecting a card at a card entrance / exit, and the card processing unit 16 detects insertion of the card or removal of the ejected card by the card sensor, and notifies the ATM control unit 10.

  The bill processing unit 17 includes a temporary holding unit that temporarily stores bills, a bill discriminating unit that discriminates authenticity of bills, a bill stacker that stores bills by type, and forgets to take after releasing the shutter of the bill entrance and exit. A bill forgetting box for storing bills, a bill entrance / exit, a temporary holding unit, a bill discriminating unit, a bill stacker, and a transport path for carrying bills between the bill forgetting boxes. The bill processing unit 17 has a bill amount sensor that detects the amount of bills in the bill stacker, and the bill processing unit 17 detects the amount of bills in the bill stacker using the bill amount sensor and notifies the ATM control unit 10. I do.

  The coin processing unit 18 includes a coin discriminating unit that discriminates the authenticity of coins, a coin stacker that stores coins by type, a coin forgotten box that stores coins that are left behind after the shutter of the coin entrance and exit is released, and a coin forgotten box. It has a transport path for transporting coins between the entrance and exit, a coin discriminator, a coin stacker, and a box for which coins have been forgotten. The coin processing unit 18 has a coin amount sensor for detecting the amount of coins in the coin stacker. The coin processing unit 18 detects the amount of coins in the coin stacker by the coin amount sensor and notifies the ATM control unit 10. I do.

  At the time of withdrawal processing, the banknote processing unit 17 and the coin processing unit 18 count the necessary banknotes and coins according to the instruction from the ATM control unit 10 and take out the banknotes and coins from the banknote stacker or coin stacker. It conveys and after conveyance, the shutter of a bill entrance and exit and a coin entrance and exit is opened. The forgotten bill box and the forgotten coin box are collectively referred to as a media storage.

  The receipt issuing unit 19 includes a receipt printing mechanism and a receipt transport mechanism, and has a function of emitting a receipt medium on which the details of a transaction performed by the user have been printed from the receipt outlet to the user. The communication unit 20 exchanges data (telegram) with the host computer 2 via the network N.

  FIG. 3 is a block diagram illustrating an example of a hardware configuration of the host computer. As shown in FIG. 3, the host computer 2 has a host control unit 40, a storage unit 41, a display unit 42, an input unit 43, and a communication unit 44. Further, the host computer 2 may have another hardware configuration not shown in FIG.

  The host control unit 40 is a CPU or the like, and controls the entire operation of the host computer 2 by expanding programs stored in the ROM or the HDD of the storage unit 41 into the RAM of the storage unit 41 and sequentially executing the programs. The storage unit 41 is a RAM, a ROM, an HDD, or the like, and stores a program executed by the host control unit 40, various setting information, and the like. The storage unit 41 stores an account ledger.

  The display unit 42 is, for example, a display such as an LCD, and displays various information on a screen under the control of the host control unit 40. The input unit 43 is, for example, an input interface such as a keyboard and a mouse, and receives an operation input of an operator of the host computer 2. The communication unit 44 communicates with the ATM 1 through the network N under the control of the host control unit 40. The host computer 2 transmits and receives data to and from the ATM 1 by performing communication by the communication unit 44.

  Next, a functional configuration of the transaction processing system 100 including the host computer 2 including the ATM 1 and the host computer 2 according to the present embodiment will be described. FIG. 4 is a diagram illustrating an example of a functional configuration of the transaction processing system 100 according to the present embodiment.

  The ATM control unit 10 of the ATM 1 includes a biometric authentication unit 51, a payment amount receiving unit 52, a cash payment unit 53, an offline transaction history writing unit 54, an offline transaction history determination unit 55, an offline transaction history transmission unit 56, and a journal writing unit. 57, and at least a transaction journal transmission unit 58. The ATM 1 may have another functional configuration not shown in FIG. The storage unit 11 of the ATM 1 has an electronic journal 61. The storage unit 11 of the ATM 1 may include other data not shown in FIG.

  The host control unit 40 of the host computer 2 has at least a ledger transaction history update unit 71 and a transaction history examination unit 72. The host computer 2 may have another functional configuration not shown in FIG. The storage unit 41 of the host computer 2 has an account ledger 81. The storage unit 41 of the host computer 2 may include other data not shown in FIG. The IC chip 4 of the IC card 3 has a biometric information storage area 91, a payable amount storage area 92, and an offline transaction history storage area 93.

  FIG. 5 is a diagram showing an example of a data structure of a memory in the IC chip 4 of the IC card 3.

  The IC chip 4 includes a memory 200. The memory 200 includes an OS recording area 201, a biometric authentication APL area 202, and a JBA APL recording area 203. The memory 200 records programs and data of other applications such as a credit card business application executed in the IC chip 4.

  The OS recording area 201 is an area for recording an OS program executed in the IC chip 4. The biometric authentication APL area 202 is an area for recording a program of a biometric authentication application executed on the IC chip 4. The JBA APL recording area 203 includes a program recording area 204 and a data recording area 205.

  The program recording area 204 is an area for recording a program of the JBA application (Japan Bank Association application) executed on the IC chip 4. The data recording area 205 includes a cash card information recording area 206, a card holder related information recording area 207, a transfer card information recording area 208, and an optional information storage area 209.

  The cash card information recording area 206 is an area for recording a bank number, a branch number, an account, an account number, and the like. The card holder related information recording area 207 is an area for recording information (e-mail address and the like) related to the holder (user) of the IC card 3. The transfer card information recording area 208 is an area for recording transfer card information (information on a client, a receiver, and the like).

  The optional information storage area 209 includes a biometric information storage area 91, a payable amount storage area 92, and an offline transaction history storage area 93.

  The biometric information storage area 91 is an area for storing biometric information of a user of the IC card 3. In the present embodiment, the biometric information storage area 91 stores biometric information generated based on the palm vein of the user.

  The payable amount storage area 92 stores the payable amount that can be paid when the communication line is offline. The payment storage amount is set arbitrarily. For example, the payable amount can be set at 100,000 yen for a general customer, and 1 million yen for a good customer, which is larger than that of a general customer.

  The offline transaction history storage area 93 stores the transaction history of the payment amount paid by the cash payment unit 53 when the communication line is offline as the offline transaction history. FIG. 6 is a diagram showing an example of the offline transaction history stored in the offline transaction history storage area 93. The offline transaction history of FIG. 6 stores transaction history for n times from transaction history 1 to transaction history n, and information of the offline transaction amount and the cumulative offline transaction for each account information of the user of the IC card 3. ing. In one transaction history, information on the date of the transaction paid by the cash payment unit 53 when offline, information on the amount paid by the cash payment unit 53 when offline, and transaction information are stored. The offline transaction history may include information not shown in FIG. The user's account information includes card bank number, card branch number, card account number information, and the like.

  In the transaction information, “0” is stored when the transaction is in the initial state, “1” is stored when the transaction is completed, and when the offline transaction history in the IC chip 4 is additionally updated in the account ledger 81, Is stored as “2” as the account ledger is already reflected. In the offline transaction amount, the accumulated amount of the amount transacted in each transaction history 1 to transaction n is stored. The cumulative total of the number of transaction histories 1 to n is stored in the offline transaction total.

  The biometric authentication unit 51 performs biometric authentication based on biometric information stored in a biometric information storage area 91 in an IC chip 4 of an IC card 3 mounted on a card used by a user for transactions with the ATM 1. Specifically, the biometric authentication unit 51 transmits the user's biometric information read by the biometric sensor unit 14 to the IC chip 4 of the IC card 3. The biometric authentication application in the IC chip 4 performs biometric authentication based on the biometric information transmitted from the biometric authentication unit 51 and the biometric information stored in the biometric information storage area 91 in the IC chip 4. The biometric authentication application transmits the authentication result of the biometric authentication to the biometric authentication unit 51. The biometric authentication unit 51 determines whether to permit biometric authentication based on the authentication result transmitted from the biometric authentication application, that is, determines whether the authentication is OK.

  When the biometric authentication by the biometric authentication unit 51 is permitted, the payment amount receiving unit 52 displays the payment receiving screen of FIG. 7A on the display unit 12 and receives the payment amount based on the operation of the user. . FIG. 7 is a diagram illustrating an example of the payment reception screen. 7A, a payable amount 301 and a confirmation key 302 are displayed.

  The payment amount receiving unit 52 can pay an amount obtained by subtracting the offline transaction amount written in the offline transaction history stored in the offline transaction history storage area 93 from the payable amount stored in the payable amount storage area 92. It is displayed on the amount 301.

  For example, assuming that the payable amount stored in the payable amount storage area 92 is “100,000 yen”, the payable amount receiving unit 52 converts the “100,000 yen” into the offline transaction amount “ The amount “40,000 yen” obtained by subtracting “60,000 yen” is displayed as the payable amount 301. When the user presses the confirmation key 302, the payment amount receiving unit 52 displays the payment receiving screen of FIG.

  On the payment reception screen of FIG. 7B, a payable amount 303, an input amount 304, an amount input key 305, and a confirmation key 306 are displayed. The payable amount 303 is the same as the payable amount 301 in FIG. As the input amount 304, the amount input based on the user's operation on the amount input key 305 is displayed. When the confirmation key 306 is pressed based on the operation of the user after the input amount 304 is input, the payment amount receiving unit 52 receives the amount input to the input amount 304 as the payment amount.

  The cash payment unit 53 pays the payment amount received by the payment amount reception unit 52 in cash. Specifically, the cash payment unit 53 determines that the payment amount received by the payment amount reception unit 52 is changed from the payable amount stored in the payable amount storage area 92 arbitrarily set in the IC chip 4 to the offline transaction. Only when the payment amount is equal to or less than the amount obtained by subtracting the payment amount written in the offline transaction history stored in the history storage area 93, the payment amount received by the payment amount receiving unit 52 is paid in cash.

  The offline transaction history writing unit 54 writes the payment amount paid by the cash payment unit 53 when the communication line is offline in the offline transaction history storage area 93 in the IC chip 4 as the offline transaction history in FIG. The offline transaction history stored in the offline transaction history storage area 93 is used to update the transaction history in the account ledger 81 of the host computer 2 when the communication line is restored.

  The offline transaction history determining unit 55 determines whether or not there is an offline transaction history written by the offline transaction history writing unit 54 in the offline transaction history storage area 93 in the IC chip 4 when the communication line is restored.

  When the offline transaction history determination unit 55 determines that the offline transaction history storage area 93 in the IC chip 4 has the offline transaction history, the offline transaction history transmission unit 56 stores the offline transaction history in the IC chip 4. The offline transaction history written in the area 93 is transmitted to the host computer 2.

  The journal writing unit 57 writes the payment amount paid by the cash payment unit 53 when the communication line is off-line in the electronic journal 61 of the storage unit 11 of the ATM 1 as a transaction journal. The transaction journal written in the electronic journal 61 is used for reconciliation with the transaction history of the account ledger 81 stored in the storage unit 41 of the host computer 2 when the communication line is restored. The transaction journal transmission unit 58 transmits the transaction journal written in the electronic journal 61 to the host computer 2 when the communication line is restored.

  FIG. 8 is a diagram showing an example of a transaction journal written in the electronic journal 61. The transaction journal of FIG. 8 stores, for each transaction serial number, transaction date, transaction type, card bank number, card branch number, card account number, transaction amount, and offline identification information. The transaction serial number is a serial number that is assigned each time one transaction is performed. The transaction date stores the date on which the transaction was performed. The transaction type basically stores payment information at the time of offline transaction. Card information acquired from the IC chip 4 of the user's IC card 3 is stored in the card bank number, card branch number, and card account number.

  In the transaction amount, the amount transacted when offline is stored. In the optional notification item, identification information for identifying a transaction performed during offline is stored. For example, “1” is stored in a transaction performed when offline, and “0” is stored in a transaction performed online. Each time a transaction is performed, the transaction journal of FIG. 8 is written and stored in the electronic journal 61.

  The ledger transaction history update unit 71 of the host control unit 40 updates the transaction history of the account ledger 81 stored in the storage unit 41 based on the offline transaction history transmitted by the offline transaction history transmission unit 56.

  FIG. 9 is a diagram illustrating an example of the account ledger 81 stored in the storage unit 41 of the host computer 2. The account ledger 81 has information of transaction date, transaction type, card bank number, card branch number, card account number, and transaction amount. The account ledger 81 may include information not shown in FIG.

  When the offline transaction history is transmitted from the offline transaction history transmission unit 56, the ledger transaction history update unit 71 converts the date and amount information of each transaction history of the offline transaction history into the transaction date and transaction amount information of the account ledger 81. Update to add. The ledger transaction history update unit 71 additionally updates the account information of the offline transaction history to the information of the card bank number, card branch number, and card account number in the account ledger 81. The ledger transaction history update unit 71 additionally updates information on payment (offline) for the transaction type in the account ledger 81. The offline transaction history writing unit 54 additionally updates the account ledger 81, that is, updates the account information of the offline transaction history that has been successfully reflected in the account ledger 81 from "1" to "2" and stores the updated information.

  The transaction history examination unit 72 of the host control unit 40 closely examines the transaction journal transmitted by the transaction journal transmission unit 58 of the ATM 1 and the transaction history of the account ledger 81 updated by the ledger transaction history update unit 71. .

  Specifically, if the user does not make a transaction using the IC card 3 even though the communication line is restored, the offline transaction history in the IC chip 4 is not transmitted to the host computer 2. The ledger transaction history update unit 71 cannot update the transaction history of the account ledger 81. Accordingly, the transaction history reviewing unit 72 matches the contents of the transaction journal written in the electronic journal 61 of the ATM 1 with the transaction history of the account ledger 81 at the time of the offline transaction, thereby obtaining the offline transaction history in the IC chip 4. It checks whether the transaction history of the account ledger 81 has been updated based on it.

  FIG. 10 is a flowchart illustrating an example of the transaction processing executed by the transaction processing system 100. First, the ATM control unit 10 determines whether an ATM transaction has been accepted (step S101). In this process, for example, it is determined whether or not the IC card 3 has been inserted into a card entrance provided in front of the ATM 1. If the ATM transaction has not been received (NO in step S101), the process is on standby. When accepting the ATM transaction (YES in step S101), the ATM control unit 10 determines whether or not the current mode is the offline transaction-enabled mode, that is, whether or not the communication line is offline (step S101). Step S102).

  If the current mode is the off-line transaction possible mode, that is, if the communication line is off-line (YES in step S102), the ATM control unit 10 performs an off-line transaction process described later (step S103). When this process ends, the transaction process ends. If the current mode is the online transaction possible mode, that is, if the communication line is online (NO in step S102), the ATM control unit 10 performs an online transaction process described later (step S104). When this process ends, the transaction process ends.

  FIG. 11 is a flowchart illustrating an example of the offline transaction processing executed by the transaction processing system 100. In the online transaction processing, when a magnetic card or an IC card 3 in which no biometric information is stored is inserted, the ATM control unit 10 ends the processing without performing the processing of steps S201 to S212.

  First, the biometric authentication unit 51 performs biometric authentication based on biometric information stored in the biometric information storage area 91 in the IC chip 4 of the user's IC card 3 (step S201).

  If the authentication result by the biometric authentication unit 51 is NO (NO in step S202), the offline transaction processing ends. If the authentication result by the biometric authentication unit 51 is OK (YES in step S202), the payment amount receiving unit 52 displays the payable amount on the display unit 12 on the payment receiving screen shown in FIG. S203). Then, the payment amount receiving unit 52 displays the payment reception screen shown in FIG. 7B on the display unit 12 (Step S204), and receives the input amount input by the user as the payment amount (Step S205).

  The cash payment unit 53 writes the payment amount received by the payment amount reception unit 52 from the payable amount stored in the payable amount storage area 92 to the offline transaction history stored in the offline transaction history storage area 93. It is determined whether the payment amount is equal to or less than the subtracted amount (step S206). When the accepted payment amount is larger than the payment amount stored in the payable amount storage area 92 minus the payment amount written in the offline transaction history stored in the offline transaction history storage area 93 (step) In S206 (NO), the process returns to step S203. On the other hand, the received payment amount is equal to or less than the amount obtained by subtracting the payment amount written in the offline transaction history stored in the offline transaction history storage region 93 from the payable amount stored in the payable amount storage region 92. (YES in step S206), the cash payment unit 53 counts the payment amount received by the payment amount reception unit 52 (step S207).

  The offline transaction history writing unit 54 writes the payment amount counted in step S207 as the offline transaction history in the offline transaction history storage area 93 in the IC chip 4 (step S208). The ATM control unit 10 ejects the IC card 3 from the card entrance / exit of the ATM 1, and returns the IC card 3 to the user (Step S209).

  The ATM control unit 10 releases the receipt medium on which the details of the transaction performed by the user are printed from the receipt discharge port (Step S210). The cash payment unit 53 pays the payment amount counted in step S207 in cash (step S211). The payment amount paid by the cash payment unit 53 in step S211 is written in the electronic journal 61 as a transaction journal (step S212). When this process ends, the offline transaction process ends.

  Next, the receipt medium 400 released in step S210 will be described. FIG. 12 is a diagram illustrating an example of the receipt medium 400. Information including a use date column 401, a transaction amount column 402, a new balance after transaction column 403, and a message column 404 is printed on the receipt medium 400 in FIG.

  In the use date column 401, the transaction date of the transaction is printed. In the transaction amount column 402, the payment amount counted by the cash payment unit 53 is printed. In the new balance after transaction column 403, an amount obtained by subtracting the payment amount written in the offline transaction history stored in the offline transaction history storage region 93 from the payable amount stored in the payable amount storage region 92. Is printed. In the message field 404, a message indicating that the transaction is an offline transaction and a message indicating that the amount paid during the offline period is subtracted from the account ledger of the host computer after the communication line is restored are printed.

  FIG. 13 is a flowchart illustrating an example of the online transaction processing executed by the transaction processing system 100. The online transaction process is a process performed when the communication line is restored. In the online transaction processing, when a magnetic card or an IC card 3 in which no biometric information is stored is inserted, the process proceeds to step S309 without performing steps S301 to S308.

  First, the biometric authentication unit 51 performs biometric authentication based on biometric information stored in the biometric information storage area 91 in the IC chip 4 of the user's IC card 3 (step S301). If the authentication result by the biometric authentication unit 51 is NO (NO in step S302), the online transaction processing ends. If the authentication result by the biometric authentication unit 51 is OK (YES in step S302), the offline transaction history determination unit 55 writes the information into the offline transaction history storage area 93 in the IC chip 4 by the offline transaction history writing unit 54. It is determined whether there is any offline transaction history (step S303).

  If there is no offline transaction history in the IC chip 4 (NO in step S303), the process proceeds to step S309. That is, when there is no offline transaction history in the IC chip 4, there is no need to update the account ledger 81 of the host computer 2 based on the offline transaction history, so the processing of steps S304 to S308 is omitted, and the normal processing is omitted. Transaction processing is performed. If there is an offline transaction history in the IC chip 4 (YES in step S303), the offline transaction history transmission unit 56 stores the offline transaction history written in the offline transaction history storage area 93 in the IC chip 4 in the host computer 2 (Step S304).

  The ledger transaction history update unit 71 of the host computer 2 updates the transaction history of the account ledger 81 stored in the storage unit 41 based on the offline transaction history transmitted by the offline transaction history transmission unit 56 in step S304 (step S304). S305). The ledger transaction history update unit 71 notifies the ATM 1 of the restoration result (step S306). In this process, the number of accounts updated in the account ledger 81 based on the offline transaction history is notified to the ATM 1.

  The offline transaction history transmitting unit 56 of the ATM 1 determines whether or not the update of the account ledger 81 has been established based on all the transactions in the offline transaction history transmitted in step S304 (step S307). For example, if the offline transaction history in step S304 is three and the restoration result of the account ledger 81 notified in step S306 is two, the numbers do not match. It is determined that the update of the account ledger 81 has not been established. On the other hand, if the offline transaction history in step S304 is three and the restoration result of the account ledger 81 notified in step S306 is also three, the numbers match, so that all transactions in the offline transaction history are Based on this, it is determined that the update of the account ledger 81 has been established.

  If the update of the account ledger 81 has not been completed based on all the transactions in the offline transaction history transmitted in step S304 (NO in step S307), the process returns to step S304, and based on all the transactions in the offline transaction history. Until the update of the account ledger 81 is established, the processing of steps S304 to S307 is repeatedly executed.

  On the other hand, when the update of the account ledger 81 is established based on all transactions in the offline transaction history transmitted in step S304 (YES in step S307), the offline transaction history writing unit 54 The offline transaction history in the chip 4 is deleted (step S308). Thereafter, the ATM control unit 10 performs a normal transaction process (Step S309). The ordinary transaction process is a process performed by the well-known ATM 1 and the host computer 2, and thus the description is omitted. When this processing ends, the online transaction processing ends.

  FIG. 14 is a flowchart illustrating an example of a transaction history examination process performed by the transaction processing system 100.

  The transaction history scrutiny process of FIG. 14 is a process of scrutinizing whether or not the account ledger 81 of the host computer 2 has been normally updated after the communication line is restored. This is a process executed independently of the transaction process of FIG. 10, the offline transaction process of FIG. 11, and the online transaction process of FIG.

  First, the ATM control unit 10 determines whether or not the current mode is the online transaction-enabled mode, that is, whether or not the communication line is restored and the communication line is online (step). S401). If the current mode is the offline transaction available mode (NO in step S401), the transaction history scrutiny process ends.

  On the other hand, when the current mode is the online transaction possible mode (YES in step S401), the transaction journal transmission unit 58 transmits the transaction journal written in the electronic journal 61 to the host computer 2 (step S403). ). When the transaction journal is transmitted to the host computer 2, the journal writing unit 57 deletes the transaction journal in the electronic journal 61 (Step S404).

  When the transaction history scrutinizing unit 72 of the host control unit 40 receives the transaction journals from all the ATMs 1 in which the transaction journals are written, the transaction history scrutiny unit 72 checks the transaction journals transmitted from all the ATMs 1 in which the transaction journals are written, and the ledger transaction. The transaction history of the account ledger 81 updated by the history updating unit 71 is compared and closely examined (step S405). The transaction history scrutinizing unit 72 displays the scrutinized result scrutinized in step S405 on the display unit 42 (step S406). In this process, the updated transaction history of the account ledger 81 is compared with the transaction journal transmitted from the ATM 1 and closely examined, and if an excessive or insufficient transaction history occurs, the transaction history is displayed as a detailed examination result on the display unit 42. To be displayed. The bank member who sees the scrutiny result can pursue the cause of the transaction history and clear the account ledger 81. When this process ends, the transaction history scrutiny process ends.

  Therefore, it is possible to perform identity verification based on the biological information stored in the IC chip mounted on the IC card 3 and pay cash. In addition, by writing the payment amount paid when the communication line was offline to the IC chip 4 as an offline transaction history, when the communication line was restored, the account ledger 81 was saved based on the offline transaction history written to the IC chip 4. Transaction history can be updated. Thus, even when a large-scale disaster occurs and a communication line of a store or the like of a financial institution is disconnected, it is possible to perform a transaction for paying cash in the automatic transaction apparatus.

  Note that the present invention is not limited to the above-described embodiments as they are, and can be embodied by modifying the constituent elements without departing from the gist of the embodiment. Various inventions can be formed by appropriately combining a plurality of components disclosed in the above embodiments. For example, all the components shown in the embodiments may be appropriately combined. Further, components of different embodiments may be appropriately combined. Various modifications and applications are possible without departing from the spirit of the invention.

  In the above-described embodiment, the process of reconciling the transaction journal with the transaction history of the account ledger 81 is performed by the host computer 2, but is not limited to this. For example, as a device different from the ATM 1 and the host computer 2, for example, a process for reconciling a transaction journal with a transaction history of the account ledger 81 in a center journal may be performed. In the center journal, as a part of the transaction processing system 100, the ATM 1 and the host computer 2 are communicably connected to each other via a dedicated line or a closed network communication line such as a VPN. The center journal is configured by a PC (Personal Computer) device having a control unit, a recording unit, and the like. The hardware configuration of the center journal is substantially the same as the hardware configuration of the host computer 2 and thus will not be described. In this case, the transaction journal transmitting unit 58 of the ATM 1 transmits the transaction journal written in the electronic journal 61 to the center journal. The host control unit 40 of the host computer 2 transmits the account ledger stored in the storage unit 41 to the center journal. Then, the control unit of the center journal compares the transaction journal transmitted from the ATM 1 with the transaction history of the account ledger 81 transmitted from the host computer 2 and closely examines it. As a result, the burden on the host computer 2 can be reduced, and the transaction history can be closely examined.

N Network 1 ATM
2 host computer 3 IC card 4 IC chip 10 ATM control unit 11 storage unit 12 display unit 13 input unit 14 biometric sensor unit 15 passbook processing unit 16 card processing unit 17 bill processing unit 18 coin processing unit 19 receipt issuing unit 20 communication unit 40 Host control unit 41 Storage unit 42 Display unit 43 Input unit 44 Communication unit 51 Biometric authentication unit 52 Payment amount receiving unit 53 Cash payment unit 54 Offline transaction history writing unit 55 Offline transaction history determination unit 56 Offline transaction history transmission unit 57 Journal book Loading unit 58 Transaction journal transmission unit 61 Electronic journal 71 Ledger transaction history update unit 72 Transaction history review unit 81 Account ledger 91 Biometric information storage area 92 Payable amount storage area 93 Offline transaction history storage area 100 Transaction processing system 200 Memory 201 OS record Region 20 2 Biometric APL area 203 JBA APL recording area 204 Program recording area 205 Data recording area 206 Cash card information recording area 207 Card holder related information recording area 208 Transfer card information recording area 209 Arbitrary information storage area 400 Receipt medium

Claims (9)

An automatic transaction device connected through a communication line to a host computer including a storage unit for storing an account ledger in which a transaction history is associated with each account
A biometric authentication unit that performs biometric authentication based on biometric information stored in an IC chip mounted on a card used by the user for transactions with the automatic transaction device;
When biometric authentication by the biometric authentication unit is permitted, a payment amount receiving unit that receives a payment amount based on the operation of the user,
A cash payment unit for paying the payment amount in cash received by the payment amount reception unit,
Offline transaction history writing to write in the IC chip the payment amount paid by the cash payment unit when the communication line is offline as an offline transaction history for updating the transaction history of the account ledger when the communication line is restored. Department and
An automatic transaction device comprising: The cash payment unit is configured such that the payment amount received by the payment amount receiving unit is equal to or less than an amount obtained by subtracting the payment amount written in the offline transaction history from a payable amount arbitrarily set in the IC chip. 2. The automatic transaction apparatus according to claim 1, wherein the payment amount received by the payment amount receiving unit is paid in cash only in the case. An offline transaction history determination unit that determines whether or not the offline transaction history written by the offline transaction history writing unit is present in the IC chip when the communication line is restored;
An offline transaction history transmission unit that transmits the offline transaction history written in the IC chip to the host computer when the offline transaction history determination unit determines that there is an offline transaction history in the IC chip; The automatic transaction apparatus according to claim 1, further comprising: A journal that writes the payment amount paid by the cash payment unit when the communication line is off-line to the electronic journal of the automatic transaction device as a transaction journal for reconciling with the transaction history of the account ledger when the communication line is restored. The automatic transaction device according to claim 1, further comprising a writing unit. The automatic transaction apparatus according to claim 4, further comprising a transaction journal transmission unit that transmits the transaction journal written in the electronic journal to the host computer when the communication line is restored. A transaction processing system comprising: a host computer including a storage unit that stores an account ledger in which a transaction history is associated with each account; and an automatic transaction device connected to the host computer through a communication line.
The automatic transaction device,
A biometric authentication unit that performs biometric authentication based on biometric information stored in an IC chip mounted on a card used by the user for transactions with the automatic transaction device;
When biometric authentication by the biometric authentication unit is permitted, a payment amount receiving unit that receives a payment amount based on the operation of the user,
A cash payment unit for paying the payment amount in cash received by the payment amount reception unit,
Offline transaction history writing to write in the IC chip the payment amount paid by the cash payment unit when the communication line is offline as an offline transaction history for updating the transaction history of the account ledger when the communication line is restored. Department and
An offline transaction history determination unit that determines whether or not the offline transaction history written by the offline transaction history writing unit is present in the IC chip when the communication line is restored;
An offline transaction history transmission unit that transmits the offline transaction history written in the IC chip to the host computer when the offline transaction history determination unit determines that there is an offline transaction history in the IC chip; And
The host computer comprises:
A transaction processing system comprising: a ledger transaction history update unit that updates a transaction history of the account ledger stored in the storage unit based on the offline transaction history transmitted by the offline transaction history transmission unit. The automatic transaction device,
A journal that writes the payment amount paid by the cash payment unit when the communication line is off-line to the electronic journal of the automatic transaction device as a transaction journal for reconciliation with the transaction history of the account ledger when the communication line is restored. A writing unit;
A transaction journal transmission unit that transmits the transaction journal written to the electronic journal to the host computer when the communication line is restored,
The host computer comprises:
A transaction history reconciliation unit that reconciles the transaction journal transmitted by the transaction journal transmission unit with the transaction history of the account ledger updated by the ledger transaction history update unit, and reconciles the transaction history. The transaction processing system according to claim 6. A transaction processing method of an automatic transaction device connected through a communication line to a host computer including a storage unit that stores an account ledger in which a transaction history is associated with each account,
A user performs biometric authentication based on biometric information stored in an IC chip mounted on a card used for a transaction with the automatic transaction device,
If the biometric authentication is permitted, accept a payment amount based on the operation of the user,
Paying the received payment amount in cash,
A transaction processing method, wherein the payment amount paid when the communication line is offline is written in the IC chip as an offline transaction history for updating a transaction history in the account ledger when the communication line is restored. A transaction processing method of a transaction processing system including a host computer including a storage unit that stores an account ledger in which a transaction history is associated with each account, and an automatic transaction device connected to the host computer through a communication line,
The automatic transaction device,
A user performs biometric authentication based on biometric information stored in an IC chip mounted on a card used for a transaction with the automatic transaction device,
If the biometric authentication is permitted, accept a payment amount based on the operation of the user,
Paying the received payment amount in cash,
The payment amount paid when the communication line was offline, written in the IC chip as an offline transaction history for updating the transaction history of the account ledger when the communication line was restored,
At the time of restoration of the communication line, it is determined whether there is the offline transaction history written in the IC chip,
When it is determined that there is an offline transaction history in the IC chip, the offline transaction history written in the IC chip is transmitted to the host computer,
The host computer comprises:
A transaction processing method, wherein the transaction history of the account ledger stored in the storage unit is updated based on the offline transaction history transmitted from the automatic transaction device.