JP4585950B2 - Automatic transaction device and mobile terminal - Google Patents

Description

  INDUSTRIAL APPLICABILITY The present invention performs desired transactions using mobile terminals in finance, distribution, transportation, and public fields, and in particular, an automatic machine transaction apparatus that transmits and receives data through short-range communication with a mobile terminal, or a mobile that can communicate with an automatic transaction apparatus The present invention relates to a terminal and an automatic transaction system including these devices and terminals.

  In recent years, mobile terminals such as mobile phones are equipped with short-range communication interfaces. Typical examples are non-contact IC, infrared, and short-range communication. In particular, non-contact IC chips have been proposed to enable various transactions simply by holding them over the device. In addition, a non-contact IC chip is mounted on the mobile terminal itself, and a mechanism for cashing, credit card, point card, coupon, etc. is provided on the chip and digitized.

  As a technique for executing a transaction of an automatic transaction apparatus (ATM) from a mobile phone, there is Patent Document 1. This personal authentication method discloses that an IC chip is built in a mobile phone, and an ATM transaction is performed from the mobile phone by inputting a personal identification number or financial processing information to the mobile phone.

JP 2001-297198 A

  According to the above-described prior art, when a transaction is performed by an automatic transaction apparatus using a mobile terminal such as a mobile phone, the mobile terminal is placed on the automatic transaction apparatus in order to read data on the mobile terminal from the automatic transaction apparatus. Operation is required. In this case, there is a problem that the customer forgets to leave the mobile terminal after the transaction ends, and the next customer steals or illegally uses it.

  In addition, as a technology of the mobile terminal itself, there is a method in which a legitimate user makes a phone call to a mobile terminal that has been left behind and locks it remotely, but this method can be applied to the above technology. , The legitimate user notices that he / she has forgotten to take it and makes unauthorized use.

In order to solve the above-described problems, particularly in an automatic transaction apparatus capable of communicating with a mobile terminal having a short-distance communication interface, a reader / writer for the short-distance communication interface is provided near the operation surface of the automatic transaction apparatus. , By contacting the mobile terminal in the vicinity of the reader / writer, it communicates with the mobile terminal using the short-range communication interface , periodically transmits a predetermined command to the mobile terminal, and based on the response, the mobile terminal A designation command for stopping all or part of the functions of the terminal is transmitted to the mobile terminal.

By detecting the misplacement of the mobile terminal with the automatic transaction apparatus according to the present invention and stopping all or a part of the functions of the mobile terminal, accurate monitoring of the mobile terminal, data on the mobile terminal being stolen, etc. Can be prevented.

  In the following, an automatic transaction apparatus (ATM) installed in a financial institution will be taken as an example, and the explanation will focus on transactions using a mobile phone equipped with a non-contact IC chip. However, automatic transaction apparatuses such as railway terminals and contract terminals The present invention can also be applied to mobile terminals (not only mobile phones) but also mobile terminals equipped with a short-range communication interface (including mobile phones and simply mobile terminals). In addition, it cannot be overemphasized that each process, transaction, and execution content which an automatic transaction apparatus or a mobile terminal performs are the functions or means which each has.

  FIG. 1 illustrates an automatic transaction system using an automatic transaction apparatus 101 and a mobile phone (simply a mobile terminal) 1 equipped with a non-contact IC chip carried by a user. The automatic transaction apparatus 101 is equipped with a non-contact IC reader / writer 106 capable of short-range communication with a non-contact IC chip. On the other hand, on the IC chip of the mobile terminal 1, data of various media such as cash card data and credit card data stored in the wallet are digitized and stored. In addition, a short-range communication interface is mounted, and non-contact IC communication, infrared light, UWB (Ultra Wide Band), or the like is used as short-range communication.

  The customer can place (or hold) the non-contact IC mobile phone 1 on the non-contact IC reader / writer 106 of the automatic transaction apparatus 101 and perform transactions such as cash deposit / withdrawal. The automatic transaction apparatus 101 reads data such as a cash card stored in a non-contact IC chip built in the non-contact IC mobile phone 1 placed in the non-contact IC reader / writer 106 by short-range communication, and generates a magnetic cache. Perform transactions similar to cash transactions with cards.

  The automatic transaction apparatus 1 reads the magnetic stripe of the cash card, inserts / discharges or exits the card unit 103 that discharges the statement slip, prints on the passbook, inserts / discharges the passbook unit 102, and banknote entry / exit The mouth of the banknote unit 104 that performs money, conveyance, discrimination, etc. is arranged in front of the automatic transaction apparatus 101 as shown. On the horizontal plane, an operation unit 105 for performing operations such as guidance display and input to the user is disposed, and the above-described reader / writer 106 is installed in the vicinity thereof.

FIG. 2 shows a block diagram in which the mobile terminal 1 and the automatic transaction apparatus 101 are connected.
The automatic transaction apparatus 101 has a control unit 107 including a hardware configuration such as a CPU and a memory for controlling each unit in addition to the above-described units, and a software configuration of a program. Control.

The non-contact IC mobile phone (mobile terminal) 1 is roughly composed of a non-contact IC chip 201, a mobile phone control unit 207, and blocks connected thereto. Each block includes a communication unit 208 having a communication function as a telephone, a display unit 209 for displaying various menus, a key input unit 210 composed of numbers or characters, a microphone / speaker unit 211 for outputting sound, and a camera having a photographing function. There is a section 212. In addition, it has a main storage device 213 and an auxiliary storage device 214 that store programs for mobile terminals.
The mobile terminal 1 incorporates a non-contact IC chip 201. The non-contact IC chip 201 is a non-contact communication transmitting / receiving unit 203 for short-range communication with the automatic transaction apparatus 101, a non-contact IC control unit 202 for controlling each block of the non-contact IC chip, and leads from the control unit 202, It comprises cash card data 204 having a writable cash card function, credit card data 205 having a credit function, and other data 206.
The non-contact IC control unit 202 reads the cash card data 204 and the credit card data 205 in response to a request from the automatic transaction apparatus 101 via the non-contact communication transmission / reception unit 203, and the automatic transaction apparatus 101 via the non-contact communication transmission / reception unit 203. Send to. Further, a write request is received from the automatic transaction apparatus 101 via the non-contact communication transmitting / receiving unit 203, and data is written into other data 206 or the like. Further, the non-contact IC control unit 202 receives and responds to a polling command (command for detecting a mobile phone) from the automatic transaction apparatus 101 via the non-contact communication transmitting / receiving unit 203. When the non-contact IC mobile phone 200 is left on the reader / writer 106 of the automatic transaction apparatus 101, a function stop command is received from the automatic transaction apparatus 101 via the non-contact communication transmitting / receiving unit 203, and the function of the non-contact IC chip is obtained. Stop. Although the mobile terminal detection command has been described as a polling command as described above, any other command type that can detect a mobile terminal is also referred to as a monitoring command.
This can prevent unauthorized use of the contactless IC mobile phone 200 that has been misplaced. The function stop command specifies not only the function stop of the non-contact IC chip 201 but also the function stop of the mobile phone control unit 207. That is, the non-contact IC control unit 202 transfers this request to the mobile phone control unit 207 when the designated parameter of the function stop command includes the mobile phone control unit. The mobile phone control unit 207 receives this request and stops its function. Whether only the non-contact IC chip 201 or the mobile phone control unit 207 is stopped depends on the setting on the automatic transaction apparatus side.

FIG. 3 is a business flow of an automatic transaction apparatus using a non-contact IC mobile phone. On the idle screen displayed on the operation unit 105 of the automatic transaction apparatus 101, a transaction menu “mobile transaction” using a mobile phone is displayed. When this transaction is selected (301), a transaction type is selected (302). Transaction types include cash card withdrawal, deposit, credit borrowing, repayment, etc. When a desired type is selected from among the transaction types by the operation unit 105, a guidance “Place a mobile phone in a predetermined position” is displayed on the mobile phone set guidance screen displayed on the operation unit 105. When it is detected that the non-contact IC mobile phone 1 is placed on the reader / writer 106 of the automatic transaction apparatus 101, the data 204 corresponding to the type selected in step 302 from the non-contact IC chip built in the non-contact IC mobile phone. , 205 are read (303).
Subsequently, the PIN code input / collation process (304), the money amount input to the operation unit 105 (305), and the money amount confirmation (306) are performed, and the processing such as withdrawal from the banknote unit 104 or the card unit is performed. The statement slip issuing process (307) is executed mainly on the control unit 107.
When the transaction by the automatic transaction apparatus is completed and completed, the operation unit 105 outputs a voice with a guidance message “Please take the mobile phone” (308), and whether or not the mobile phone 1 is left is described later. Detection is performed by a polling response (309). When the mobile phone 1 is not detected, that is, when the user definitely holds the mobile phone, a guidance “Thank you for using” is displayed on the operation unit 105 as a transaction end screen, and an initial screen is displayed. On the other hand, if it is detected in step 309 that the mobile phone has been left behind, repeat the "Please take your mobile phone" (308) for a certain period of time (about a few seconds) or a certain number of times (about 3 times for retrying), etc. In this case, the non-contact IC mobile phone is locked (function stopped) (311).

FIG. 4 is an internal processing flow for explaining detection of misplacement of a non-contact IC mobile phone and stopping the function of the non-contact IC mobile phone when misplaced. Details of steps 309 to 311 explained in FIG. 3 will be explained. Note that the processes already described with reference to FIG.
After executing the processing in steps 307 and 308 described above, the automatic transaction apparatus 101 starts a timer for detecting misplacement of the mobile terminal or sets the number of retries (403). Then, the mobile terminal misplacement detection process (404) is started. In this misplacement detection process, a polling command is transmitted from the control unit 107 of the automatic transaction apparatus 101, and it is determined whether or not the misplacement is detected by a response from the mobile terminal (405). In other words, the automatic transaction apparatus has a response monitoring function of the mobile terminal. If there is no response, the processing of step 312 described in FIG. 3 is executed. If there is a response, that is, to indicate that there is a mobile terminal on the reader / writer 106 of the automatic transaction apparatus, almost the same guidance as step 308. , Output a sound and a warning sound (308 '), determine the count at the start of the timer or the count of the number of retries (310), and issue a function stop command of the mobile terminal at the time of type up or retry out Transmit (408). This command parameter specifies whether to stop only the function 201 of the non-contact IC chip described in FIG. 2 or to stop the function of the mobile phone control unit 207 as well. Note that this step 408 shows substantially the same processing as step 311 in FIG. On the other hand, the non-contact IC mobile phone 1 stops the designated function based on a command from the automatic transaction apparatus 101 (409), which will be described in detail later with reference to FIG. On the other hand, the automatic transaction apparatus 101 logs that the non-contact IC mobile phone has been misplaced (410). Note that logging means storing the date and time when the terminal is left in the control unit 107, data, and the like, and then displaying various transactions as an initial screen on the operation unit 105.

FIG. 5 shows an internal processing flow mainly for the mobile phone side regarding the stoppage of the function of the non-contact IC mobile phone.
When the automatic transaction apparatus executes the misplacement detection process as described with reference to FIGS. 3 and 4, the automatic transaction apparatus transmits a function stop command to the non-contact IC mobile phone (408). In the non-contact IC mobile phone 1, the non-contact IC control unit 202 of the non-contact IC chip 201 receives the stop command (502) and stops the function of the non-contact IC chip 201 itself (503). As a result, the functions of the IC chip 201 such as a cash card function and a credit function cannot be used, and a withdrawal transaction or the like by a non-authorized user cannot be performed.
Further, if the function stop of the mobile phone control unit is specified in the parameter of the command received from the automatic transaction apparatus 101, it is determined (504), and if it is not specified, the process is terminated, but if specified, the mobile phone control unit 207 is determined. The designated command is transferred to (505). The mobile phone control unit 207 receives the stop command (506), and stops the function of the control unit 207 itself (507). As a result, all the functions of the mobile phone, that is, the mobile terminal are stopped. For example, communication with other mobile terminals becomes impossible.

The automatic transaction system block diagram which shows a non-contact IC mobile phone and an automatic transaction apparatus. Block diagram of contactless IC mobile phone and automatic transaction equipment. Business flow diagram of automatic transaction equipment using contactless IC mobile phones. Flow diagram for stopping the function of a non-contact IC mobile phone. Detailed view of the processing flow on the contactless IC mobile phone side.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 ... Non-contact IC mobile phone (mobile terminal), 101 ... Automatic transaction apparatus, 106 ... Non-contact IC reader / writer, 107 ... Control part, 207 ... Mobile control part, 201 ... Non-contact IC chip

Claims (2)

An automatic transaction apparatus capable of communicating with a mobile terminal having a short-range communication interface,
It has a row intends operating section to display or input, a reader writer that performs data read The writing and and is disposed in the vicinity the operating portion and the mobile terminal, and a control unit,
The controller is
Means for data communication with the mobile terminal in contact with the reader / writer according to the transaction type selected from the operation unit;
A determination unit that periodically transmits a predetermined command to the mobile terminal, and determines the presence or absence of the mobile terminal on the reader / writer based on a response from the mobile terminal to the predetermined command;
After the transaction selected by the operation unit is completed, when the determination unit determines that the mobile terminal is on the reader / writer, it issues a specified command specified in advance to the mobile terminal, An automatic transaction apparatus comprising: stop means for stopping all or part of functions of the mobile terminal. The automatic transaction apparatus according to claim 1,
An automatic transaction apparatus comprising output means for outputting a warning display or a warning sound.

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