JP2579491B2 - Card issuing method - Google Patents

Description

Description: TECHNICAL FIELD The present invention relates to a card issuing system, and more particularly to an ID card issuing system used in financial institutions such as banks.

(Related Art) In recent years, transactions using an ID card are frequently performed in automatic transaction devices installed in financial institutions such as banks. Conventionally, a customer who wishes to issue an ID card to be used in an automatic transaction device has filled in an application form with a predetermined item including a personal identification number, and has applied to a teller at a counter. The ID card was issued at the center and was later delivered to the customer by mail.

(Problems to be Solved by the Invention) However, in the above-mentioned method, there is a risk that the PIN is easily known to others because the PIN is first entered in the application form at the time of application, and the ID card is also used. At the mailing stage, there was a problem that there was a trouble such as loss or theft. Further, there is a problem that the customer cannot use the transaction using the ID card for a number of days before obtaining the ID card.

The present invention eliminates the above-mentioned problems of the prior art, such as the danger that the password is easily known to others, the loss of the ID card during mailing, the trouble such as theft, and the delay in starting the use of the ID card by the customer. It is an object of the present invention to provide a code issuing system with excellent responsiveness.

(Means for Solving the Problems) According to the present invention, a temporary registration unit for temporarily registering a password, a main registration unit for permanently registering a password, a password input first and a password input again are provided. A center for processing and storing information associated with the transaction, a first input means for the teller, and a first input means for the teller.
Display means, communication means for communicating with the center, second input means for customers, second display means for customers,
And a window transaction device having card issuing means for issuing a card, the window transaction device uses the first input based on a new card issuance application form on which customer data excluding a personal identification number is recorded. When the customer data is input by the means, a screen for registering a personal identification number is displayed on the first display means, and guidance for inputting a screen and a personal identification number based on the customer data is displayed on the second display means. And when the customer confirms the authenticity of the screen based on the customer data displayed on the second display means and the personal identification number is entered by the second input means, the first display means Without displaying the personal identification number, the communication means transmits the personal identification number to the center, displays the guidance of the input instruction of the personal identification number again, and inputs the personal identification number again by the second input means. Then, the password is transmitted to the center by the communication means. When the center receives the password inputted first, the password is provisionally registered in the temporary registration means, and the password inputted again is received. When you receive
The comparison means compares the password temporarily registered in the temporary registration means with the re-entered password, and when the two passwords match, the password is stored in the official registration means. After the registration, the card issuing process is selected by the first input unit, so that the card issuing unit is activated by the online processing from the center, and a new card is issued to the customer.

(Operation) In the present invention, when a customer desires to issue a card, the customer applies to the bank employee by using, for example, an application form (do not enter a password). Then, the staff selects the password registration process by the first input means. In response to this, the first display means displays a screen for registering a personal identification number to the staff, while the second display means displays guidance for inputting a personal identification number to the customer. According to the guidance, the customer inputs the personal identification number by the second input unit. The staff member instructs the completion of the password input by the customer through the first input means. The input personal identification number is sent to the center via the communication means, and is temporarily registered in the temporary registration means together with the customer data. Next, the second display means prompts the customer to input a password again. The customer inputs the password again using the second input means, and the comparing means compares the password with the password of the temporary registration means. When the two passwords match, the registration means permanently registers the password together with the customer data. When the main registration is completed, the staff member selects the card issuing process by the first input unit, and the card issuing unit is instructed to issue the card. The card issuance means performs card issuance processing by online processing from the center, and the issued card is handed to the customer on the spot.

Therefore, by verifying the identity with certificates, etc., the card can be issued immediately, the security code will not be known to others, and there is no fear of trouble such as loss or theft of the card until the card is handed. And the problem of the prior art is solved.

(Embodiment) FIG. 1 is a functional block diagram of a system showing one embodiment of the present invention, and FIG. 2 is a perspective view showing a teller machine according to this embodiment. In FIG. 1, 1 is a teller counter, 2
Is a card reader / writer for reading transaction data written on a card inserted from a card insertion slot 21 described later, and writing for updating transaction data, 3 is guidance for input instruction, contents of transaction data And a customer display device 4 for displaying data and the like input by a keyboard 7 to be described later to the customer, and 4 for the customer to input a personal identification number in accordance with the guidance displayed on the customer display device 3, and An input operation unit 5 composed of a touch panel or the like, a passbook insertion / ejection slot 5 for inserting a passbook at the time of passbook entry, and discharging after entry, 6 is provided on the teller side, and an input operation unit 4 and a keyboard 7 to be described later. Display device for displaying the data inputted by the operator, 7 is a keyboard for key input by staff members, 8 is a cash-receipt-and-disbursement machine for taking in and out cash, 9 A passbook processor for writing entries in the passbook inserted from the passbook insertion / ejection port 5, a window main control unit 10 for processing signals from each component and controlling the operation of each component, and 11, 14 A communication control device, 12 and 13 are transceivers, 15 is a central processing unit, 16 is a file for registering customer data and a password, 17 is a temporary file for temporarily registering a password, and 18 is a card issuing machine.

2, the same reference numerals as those in FIG. 1 indicate the same components. As a different component, 21 is a card insertion slot. As can be seen from FIG. 2, on the customer side of the teller counter 1, a card insertion slot 21, a display device 3 for a customer, an input operation unit 4, a passbook insertion / ejection port 5, and the like are provided on the customer side of the card reader / writer 2. A teller display device 6, a keyboard 7, and the like are provided on the teller side, and devices required for window transactions such as a deposit / withdrawal machine 8, a passbook processing device 9, and the like are arranged at predetermined positions.

Also, as can be seen from FIG. 1, each component is connected to the counter main controller 10, and the counter main controller 10, the communication controller 11, and the transceiver 12 constitute a counter transaction apparatus. Further, the transceiver 12 of the teller machine is connected to the transceiver 13 of the center via a communication circuit.
A central processing unit 15 connected to the communication control unit 13 via a communication control unit 14
And a file 16 and a temporary file 17 connected to the central processing unit 15 are provided on the center side.

Next, the processing operations for registering a personal identification number and issuing a card in the present embodiment will be described with reference to the flowcharts of the personal identification number registration processing and the card issuing processing in FIGS. 1 and 2 and FIGS. 3 and 4. I do.

The customer who wishes to issue a card enters predetermined items excluding the personal identification number on the application form and applies to the staff at the counter (step 101). The staff selects the password registration process using the keyboard 7 (step 102), and inputs customer data such as the customer's address and name using the keyboard 7 according to the display of the password registration screen of the teller display device 6 (step 103) (step 102). Step 104). The customer data input by the staff is displayed on the display device for teller 6 and the display device for customer 3 (steps 105 and 106), and the customer checks the contents of the display (step 107), and if there is an error, proposes a correction to the staff. ,
If the password is correct, the personal identification number registered by the customer is input by the input operation unit 4 (step 108). For example, "**" is displayed when the first digit is input, and "**" when the second digit is input.
Is displayed, and the input personal identification number itself does not display specific numbers on either the customer display device 3 or the teller display device 6 (step 109). When the input is completed, the completion of the customer input is displayed on the teller display device 6 (step 110), and the attendant presses the completion key on the keyboard 7 (step 111). When the completion key is pressed, the customer data and password are sent to the central processing unit 15 of the center via the communication control devices 11, 14 and the transceivers 12, 13, and the central processing unit 15 registers the customer data and the password in the temporary file 17. (Step 112). Next, a confirmation screen is displayed from the center on the teller display device 6 and the customer display device 3 via the communication control devices 11 and 14 and the transceivers 12 and 13 (step
113, 114), the customer follows the display on the customer display device 3 and again inputs the personal identification number through the input operation unit 4 (step).
115). At this time, a display method similar to that of step 109 is displayed (step 116). When the input is completed, the completion of the input by the customer is displayed on the teller display device 6 (step 117), and the staff presses the completion key on the keyboard 7 (step 118). When the completion key is pressed, the customer data and the password are transmitted to the communication control devices 11 and 14 and the transceivers 12 and 13.
Through the central processing unit 15 of the center. The central processing unit 15 confirms that the personal identification number of the customer registered in the temporary file 17 matches the received personal identification number (step
119), if they do not match, the confirmation screen is transmitted to the teller display device 6 and the customer display device 3 again. If a match is confirmed, the customer data and personal identification number of the customer registered in the temporary file 17 are registered in the file 16 (step 120), and the contents of the temporary file 17 are deleted. Then, upon receiving the registration completion from the center, the password registration processing at the window ends.

Note that in the above example, the confirmation of the coincidence of the personal identification numbers in step 119 was performed on the center side, but it is also possible for the counter transaction apparatus to perform the same.

Next, the staff asks the customer who wants to issue a card to present a certificate, such as a driver's license, that confirms the customer's name and address, etc., and if confirmed, selects the card issuance using the keyboard 7. As a result, a card issuance request is sent to the central processing unit 15 of the center (step 121). From the center, the customer data to be issued is displayed on the teller display device 6 and the customer display device 3 as a confirmation screen (steps 122 and 123), and the customer follows the display on the customer display device 3.
The password is again input by the input operation unit 4 (step 124). The display method at the time of inputting the personal identification number is the same as step 109 in FIG. 3 (step 125). When the input of the customer is completed, the completion of the input of the customer is displayed on the teller display device 6 (step 126), and the customer presses the completion key on the keyboard 7 (step 127). Is the central processing unit 15 of the center
Sent to The central processing unit 15 confirms whether the personal identification number of the customer registered in the file 16 matches the received personal identification number (step 128), and if not, the confirmation screen is displayed again on the teller display device 6 and the customer display. Send it to device 3. If a match is confirmed, it is checked whether or not the number of cards issued has reached the limit, registration processing for card issuance management is performed (step 129), and the customer data and personal identification number are transmitted to the communication control device 11. , 14, the transceivers 12 and 13 and the window main controller 10 to the card issuing machine 18 to instruct card issuance. The card issuing machine 18 performs a card issuing operation as described later (step 130), and the issued card is directly delivered to the customer (step 131).

Next, the processing operation of the card issuing machine 18 will be described with reference to FIG.

In FIG. 5, 21 is an unissued card, 22 is a card stacker for storing the unissued card 21, 23 (23a to 23j) are rollers for feeding out and transporting the card 21, and 24 (23a to 2a).
3c) is an optical sensor for detecting the position of the card 21, 25 is a card emboss section for embossing, 26 is a card reader / writer section for writing data to the magnetic stripe section of the card 21 and reading for checking data, 27 is a read / write head, and 28 is a card ejection port for ejecting the completed card 21.

When the card issuing machine 18 receives the card issuance command,
With the roller b open, the feed roller 23a is rotated in the direction of the arrow to feed the card 21. When the fed card 21 reaches the sensor 24a, the roller 23a stops rotating, and the roller 23
b is clamped, and the card 21 is taken out of the card stacker 22 by the roller 23b. The removed card 21 is first conveyed to the position of the sensor 24b, that is, the position of C, and stopped. Based on the customer data received from the central processing unit 15 of the center, the name and account number are embossed on the card 21 by an embossing mechanism (not shown). Do. Next, the card 21 is conveyed to a card reader / writer 26 in order to write customer data and a password on the magnetic stripe of the card 21. The data is written to the card 21 during the conveyance in the direction A, and the writing ends at the position D. After the writing is completed, the transport of the card 21 is stopped, the card 21 is transported in the B direction, and data is read to confirm whether data is normally written in the magnetic stripe portion during the transport. Perform a comparison check with the data. As a result of the comparison check, if they do not match, the writing is performed again. If a match is confirmed, the card 21 is transported in the direction A, transported to the card outlet 28 and stopped. The staff removes the completed card, and the operation of the card issuing machine 18 is completed.

(Effects of the Invention) As described above in detail, according to the present invention, a customer himself / herself directly inputs a personal identification number using the second input means, registers the personal identification number via a line, and issues a card. With this configuration, it is possible to easily remove the danger of notifying another person of the personal identification number, thereby improving security.

In addition, by issuing the card immediately and handing it directly to the person, provided that the identity is confirmed by certificates,
Troubles such as loss or theft during mailing can be prevented, and customers can use transactions using cards from the day.

Furthermore, since the matching means confirms the coincidence of the personal identification numbers, it is possible to prevent erroneous input of input data.

[Brief description of the drawings]

FIG. 1 is a functional block diagram of a system for carrying out an embodiment of the present invention, FIG. 2 is a perspective view showing an external configuration of a teller machine in the embodiment, and FIG. 3 is a password registration process according to the embodiment. FIG. 4 is a flowchart of a card issuing process according to the present embodiment, and FIG. 5 is an explanatory diagram of a processing operation of the card issuing machine. DESCRIPTION OF SYMBOLS 1 ... Teller counter 2 ... Card reader / writer 3 ... Customer display device 4 ... Input operation unit 6 ... Teller display device 7 ... Keyboard 10 ... Window main control unit 11, 14 ... Communication control device 12,13 ... Transceiver 15 ... Central processing unit 16 ... File 17 ... Temporary file 18 ... Card issuing machine

 ──────────────────────────────────────────────────続 き Continuation of the front page (56) References JP-A-62-79586 (JP, A) JP-A-61-97781 (JP, A) JP-A-61-259371 (JP, A) JP-A-63-1979 174172 (JP, A) JP-A-61-296496 (JP, A) JP-A-61-188664 (JP, A) JP-A-62-72088 (JP, A) Jiko 57-17386 (JP, Y2)

Claims (1)

(57) [Claims] 1. A temporary registration means for temporarily registering a personal identification number, a main registration means for permanently registering a personal identification number, and a comparing means for comparing a personal identification number inputted first with a personal identification number inputted again. A center for processing and storing information associated with a transaction, a first input means for a teller, a first display means for a teller, a communication means for communicating with the center, and a second means for a customer. Using a teller machine having input means, a second display means for the customer, and a card issuing means for issuing a card, the teller machine has customer data other than a personal identification number recorded thereon. When customer data is input by the first input means based on the new card issuance application form, a screen for registering a personal identification number is displayed on the first display means, and the customer is displayed on the second display means. Screen based on data for When the customer confirms the authenticity of the screen based on the customer data displayed on the second display means, and the personal identification number is inputted by the second input means, the guidance of the input instruction of the identification number is displayed. Without displaying the password on the first display means, transmitting the password to the center by the communication means and displaying the guidance for inputting the password again, and again displaying the password by the second input means. When a number is input, a password is transmitted to the center by the communication means. When the center receives the first input password, the center temporarily registers the password in the temporary registration means and re-enters the password. When the password is received by the comparing means, the password temporarily registered in the temporary registration means is compared with the re-entered password, and when a match is obtained between the two passwords, After registration the personal identification number to the registration unit, by selecting the card issuing process by the first input means, activates the card issuing means online processing from the center,
A card issuance method that issues a new card to a customer.