JP4645117B2 - System and automatic transaction apparatus having an occlusion release function - Google Patents

Description

  The present invention relates to an automatic transaction apparatus and an automatic transaction system that release a block when a transaction card such as a cash card is stolen or lost and when the transaction card is discovered after the transaction is blocked.

  When a transaction card such as a cash card issued by a financial institution to a customer is stolen or lost, the customer performs a procedure for stopping (blocking) the transaction using the cash card at the financial institution. The financial institution that has undergone the closing procedure performs the procedure for closing the account that has been processed, that is, the procedure for stopping the transaction with the cash card in the account that has been processed.

Needed to go to the financial institution's window to resume the suspension of transactions with the suspended cash card. In this way, the blockage release procedure requires the customer to go to the financial institution's window, and the blockage release procedure must be performed within the business hours of the financial institution. It was.

  The present invention has been made in view of the above-described problems, and it is an object of the present invention to provide an automatic transaction apparatus and an automatic transaction system capable of performing a blockage release procedure without going to a counter of a financial institution.

The present invention adopts the following configuration in order to solve the above points.
<Constitution>

And transaction management and intends line management device performing customer authentication of, and is connected with the management device receives a transaction stop instruction from a customer that has been authenticated, the management to stop the transaction by transaction card in the account of the customer an automatic teller machine to be registered in the apparatus, the automatic transaction system wherein the automatic transaction apparatus, the lost number for the customer to get lost number for releasing the registered transaction stops from the management device a missing number notification means for notifying, transactions after occlusion registration causes authenticated by the management device based on the missing number obtained from the release seekers occlusion registration, by trading cards of authorized released applicant's account Introduction of Bei and unblocking unit stop deregistration instructs the management device, the management device, when closed registration, occlusion registration processing to supply the missing numbers to the automated transaction apparatus Parts and, consistent with the the from the automatic teller machine receives the missing number missing number and the supply with the missing number, as well as authenticate a discrepancy, the cancellation seekers authentication unit for authenticating the release seekers, the automatic transaction A block registration cancellation processing unit that cancels transaction stop registration by a transaction card in the account of the authenticated cancellation requester when receiving an instruction to cancel the block registration from the apparatus.

Perform customer authentication of connected transactions management and line cormorant management apparatus, and from the authenticated customer receives a transaction stop instruction, to register the stop of the transaction by transaction card in the account of the customer to the management device The automatic transaction apparatus includes a lost number notification means for acquiring a lost number for canceling a registered transaction suspension from the management apparatus and notifying the customer.

And transaction management a row cormorant management devices perform customer authentication of, and is connected with the management device receives a transaction stop instruction from a customer that has been authenticated, the stop of the transaction by transaction card in the account of the customer said an automatic teller machine to be registered in the management apparatus, the automatic transaction system wherein the automatic transaction apparatus, the lost against to get lost number for releasing the registered transaction stops from the management device to the customer e Bei lost number notifying means for notifying the number, the management device, when closed registration, characterized in that it comprises a closed registration processing section for supplying the missing numbers to the automated transaction apparatus.

According to the automatic transaction apparatus of the present invention, after the block registration, the personal authentication is performed by the management apparatus based on the lost number acquired from the applicant who wants to cancel the block registration, and the transaction card in the account of the authenticated cancel applicant By providing a block cancellation unit that instructs the management device to cancel the transaction stop registration, the block release can be performed even if the cancellation applicant does not bother to go to the counter, improving the convenience of the customer. .

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

As shown in FIG. 1, the automatic transaction system 100 of the present invention includes an automatic transaction apparatus 10 and a management apparatus 40 connected to the automatic transaction apparatus via a network 30.
The automatic transaction apparatus is generally called ATM (Automated Teller Machine) in financial institutions, the management apparatus is called a host computer, and the automatic transaction apparatus is called ATM 10 in the following description. The host computer 40 will be described.

  The ATM 10 includes a card reading unit 11 for reading information recorded on a transaction card called a cash card, an input display unit 12 for receiving an input from a user and performing a display corresponding to the input, A depositing / withdrawing unit 13 that performs cash depositing / withdrawing processing according to a depositing / withdrawing instruction from a person, a printing unit 14 for printing a transaction result on a passbook or transaction slip, and a host computer 40 via a network 30. The communication unit 15 for communicating with the account, the block registration unit 16 for registering the suspension (blocking) of transactions with the cash card associated with the transaction account, the block release unit 17 for performing block release, and the respective units And an ATM control unit 18 for controlling automatically.

  In the cash card, personal information such as financial institution identification information, account number, customer name, etc. is magnetically registered, and the card reader 11 reads the magnetically recorded information from the cash card.

The input display unit 12 is called a touch panel, and accepts input from the user according to the guidance screen, and displays the input contents, instruction contents, information obtained from the host computer 40, and the like.
The deposit / withdrawal unit 13 has a function of performing a counting process and a discrimination process for depositing and dispensing cash.
The printing unit 14 has a function of printing transaction contents on a passbook or transaction slip.

The communication unit 15 has a function for communicating with the host computer 40 via the network 30.
The block registration unit 16 performs transaction stop registration (block registration) using a cash card to the host computer 40 based on a transaction stop instruction from an authenticated customer. When the host computer 40 performs block registration, the host computer 40 issues a lost number as release authentication information. The issued lost number is sent to the release authentication information issuing unit 19 provided in the block registration unit 16 of the ATM 10 via the network 30. The cancellation authentication information issuing unit 19 that has acquired the lost number controls the input display unit 12 and the printing unit 14 to display the lost number and print it on the transaction slip. In this way, the lost number is issued to the customer who instructed to stop the transaction.

  The lost number issued to the customer is used to authenticate the person who wishes to cancel the registration when the registration is canceled. The acquired lost number is compared with the lost number managed in association with the personal information of the customer by the host computer 40 of the issuer, and the person who wants to cancel is authenticated. Thereby, in addition to the personal authentication based on the personal information, the personal authentication based on the lost number is performed, so that the personal authentication of the person who wishes to cancel can be performed strictly.

  The blockage release unit 17 transmits the lost number input from the input requesting unit 12 to the host computer 40 from the applicant who wants to release the blockage, and causes the host computer 40 to authenticate the person based on the lost number, and the requested blockage release request The host computer 40 is instructed to cancel the suspension registration cancellation of the transaction by the cash card in the account of the user. Receiving this instruction, the host computer 40 cancels the block registration.

  The host computer 40 includes a host communication unit 41 for communicating with the ATM 10 via the network 30, an authentication unit 42 for authenticating a user, and a block information storage unit 43 based on an instruction from the authenticated user. A block registration processing unit 44 that performs block registration, a block registration release processing unit 45 that cancels block registration in the block information storage unit 43 based on an instruction from an authenticated user, and a host that controls the above-described units centrally. And a control unit 46.

The host communication unit 41 has a function for communicating with the ATM 10 via the network 30.
The authentication unit 42 performs personal authentication based on information acquired from the ATM 10, personal information held in advance, a lost number managed in association with the personal information, and the like. Personal authentication in a financial transaction using a general cash card is performed based on the personal identification number associated with the account number read from the cash card. In addition to identity authentication using an account number or PIN, identity authentication is performed based on a telephone number or address. Moreover, in the cancellation | release of blockade registration, in addition to the personal authentication based on personal information, the personal authentication based on a lost number is also performed.

The blockage information storage unit 43 includes an account number to be stopped by a cash card, personal information such as a personal identification number corresponding to the account number, a customer's name, address, and telephone number, and a lost number associated with the personal information. And hold.
Based on the block registration instruction from the ATM 10, the block registration processing unit 44 performs a process of registering in the block information storage unit 43 the suspension of the transaction using the cash card in the instructed customer account.
The blockage registration release processing unit 45 releases the blockage registration of the instructed customer to the blockage information storage unit 43 based on the blockage registration release instruction from the ATM 10.

Next, operation | movement of the automatic transaction system 100 is demonstrated using a flowchart.
First, the block registration process will be described with reference to the flowchart of FIG.
As shown in FIG. 3, the customer selects “Lost Report” from the menu screen of the input display unit 12 of the ATM 10 in order to report the loss of the cash card (step S1). When “Lost Notification” is selected, an account number input screen associated with the lost cash card is displayed. First, a branch is selected as shown in FIG. 4, an account subject is selected as shown in FIG. 5, an account number is input as shown in FIG. 6, and an account to be closed is designated (step S2). .

  Next, as shown in FIG. 7, the customer inputs the personal identification number associated with the designated account (step S3), and inputs the name. Thereafter, as shown in FIGS. 8 and 9, a telephone number and an address are input (step S4). Information such as the input account number and address is temporarily stored in a storage unit (not shown). When necessary input is completed, the information stored in the storage unit is read out and shown in FIG. Thus, a confirmation screen is displayed on the input display unit 12.

  When the customer presses the “confirm button” displayed on the confirmation screen, the block registration unit 16 creates a message based on the information stored in the storage unit (step S5). The created electronic message is sent to the host computer 40 via the network 30 under the control of the communication unit 15 (step S6).

A message from the ATM 10 received by the host communication unit 41 of the host computer 40 is sent to the block registration processing unit 44. The blockage registration processing unit 44 performs personal authentication by the authentication unit 42 based on the information indicated in the message (step S7). That is, the authentication unit 42 refers to a customer database (not shown) based on the account number shown in the electronic message, and shows the personal identification number, name, telephone number and address associated with the account number, and the electronic message. Identity verification is performed by comparing the PIN, name , phone number and address. When the customer is authenticated by the authentication unit 42, the block registration processing unit 44 issues (numbers) the lost number to the ATM 10 (step S8).

  The block registration processing unit 44 that has issued the lost number is required to register the transaction stoppage due to the lost cash card in the block information storage unit 43, the account number to be stopped, the PIN corresponding to the account number, the customer's address, the telephone Registration of personal information such as a number and a lost number in association with the personal information is performed (step S9).

  By the way, the lost number issued by the block registration processing unit 44 is sent to the ATM 10 via the host communication unit 41. In the ATM 10, the lost number from the host computer 40 is received by the communication unit 15 in order to acquire the lost number by the release authentication information issuing unit 19 of the block registration unit 16 (step S10). The cancellation authentication information issuing unit 19 displays the acquired lost number on the input display unit 12 and causes the printing unit 14 to print it on the transaction slip. In this way, the lost number is issued to the customer who made the loss notification (step S11). The issued lost number is obtained from the person who wishes to release the block at the time of deregistration, and the acquired lost number is compared with the lost number registered in the block information storage unit 43 when the lost number is issued. Used when authenticating.

  As described above, according to the automatic transaction system 100 of the present invention, loss notification can be made at the nearest ATM without the customer going to the window. Furthermore, according to the automatic transaction system 100 of the present invention, since the lost number for performing the personal authentication by releasing the block registration is issued to the customer, based on the lost number in addition to the personal authentication taken for the customer's personal information. Authentication can be performed and authentication can be performed more strictly.

Next, the processing operation for releasing the block registration will be described with reference to the flowchart of FIG.
As shown in FIG. 3, the customer selects “Card Loss Release Notification” from the menu screen of the input display unit 12 of the ATM 10 to notify the cancellation of the registration registration of the cash card (step S21). When “notification of cancellation of card transaction” is selected, as shown in FIG. 12, a guidance screen for inserting a cash card from a card insertion slot (not shown) of the card reading unit 11 is displayed on the input display unit 12 (step S22). ).

  When a person who wishes to release the blockage inserts a cash card from the card insertion slot according to this guidance, the card reading unit 11 reads information such as a branch number and an account number from the cash card and temporarily holds them in a storage unit (not shown).

  Thereafter, the customer inputs a personal identification number as shown in FIG. 13 (step S23), and inputs a lost number issued at the time of block registration as shown in FIG. 14 (step S24). Next, the customer inputs a telephone number, an address as shown in FIG. 16, and a name as shown in FIG. 15 (step S25).

  The input information is temporarily held in a storage unit (not shown). When necessary input is completed, the information stored in the storage unit is read and a confirmation screen is input as shown in FIG. It is displayed on the display unit 12 (step S26).

  When the customer presses the “confirm button” displayed on the confirmation screen, the blockage release unit 17 creates a message based on the information stored in the storage unit. The created electronic message is sent to the host computer 40 via the network 30 under the control of the communication unit 15 (step S27).

  A message from the ATM 10 received by the host communication unit 41 of the host computer 40 is sent to the block registration cancellation processing unit 45. The block registration cancellation processing unit 45 performs personal authentication by the authentication unit 42 based on the information indicated in the message. That is, the authentication unit 42 refers to the block information storage unit 43 based on the account number shown in the message, and the code number, name, phone number, address and lost number, and the code number shown in the message, Verify your identity by checking your name, phone number, address and lost number. When the authentication unit 42 authenticates the customer, the block registration cancellation processing unit 45 stores information registered in the block information storage unit 43 in order to cancel the suspension of the transaction by the transaction card in the account of the block cancellation requester. delete.

  The block registration cancellation processing unit 45 that has completed the block registration cancellation processing notifies the ATM 10 that the block registration cancellation has been completed via the host communication unit 41.

  When the ATM 10 receives the notification of the completion of the block registration release by the communication unit 15, the completion notification is sent to the block release unit 17. The block release unit 17 controls the printing unit 14 to print on the transaction slip that the release of the block registration has been completed, and issues the slip to the block release applicant (step S28).

  As described above, according to the automatic transaction system 100 of the present invention, it is possible to cancel the transaction stop by the cash card at the nearest ATM without the customer going to the window. Furthermore, according to the automatic transaction system 100 of the present invention, the lost number is obtained together with the personal information from the applicant who wants to release the blockage when the card transaction suspension release notification is issued by issuing a lost number to the customer at the time of the loss notification. Since personal authentication is performed by comparing the personal information and lost number with the personal information and lost number registered in the blockage information storage unit 43 when the lost number is issued, in addition to the personal authentication for the customer's personal information Thus, the personal authentication can be performed based on the lost number, and the personal authentication can be performed more strictly.

In the above-described embodiment, the example of suspension / cancellation of transactions using a cash card has been described. However, an automatic transaction apparatus or a POS terminal that handles various transaction cards such as a credit card, a debit card, and an electronic money card instead of a cash card. The present invention can be applied to.
In addition, the ATM of a financial institution has been described as an example of an automatic transaction apparatus, but the present invention can also be applied to various service terminals installed in convenience stores, stores, and the like.

It is a block diagram of the automatic transaction system of this invention. It is a flowchart which shows operation | movement of the obstruction | occlusion process. It is a figure which shows a menu screen. It is a figure which shows the branch selection at the time of block registration. It is a figure which shows the subject selection screen at the time of occlusion registration. It is a figure which shows the account number input screen at the time of blockade registration. It is a figure which shows the PIN code input screen at the time of block registration. It is a figure which shows the telephone number input screen at the time of blockade registration. It is a figure which shows the address input screen at the time of blockade registration. It is a figure which shows the confirmation screen screen at the time of block registration. It is a flowchart which shows the operation | movement of a blockade registration cancellation | release process. It is a figure which shows the card insertion guidance screen at the time of closure registration cancellation. It is a figure which shows the PIN code input screen at the time of cancellation | release of obstruction | occlusion registration. It is a figure which shows the lost number input screen at the time of closure registration cancellation | release. It is a figure which shows the telephone number input screen at the time of cancellation | release of obstruction | occlusion registration. It is a figure which shows the address input screen at the time of cancellation | release of obstruction | occlusion registration. It is a figure which shows the confirmation screen at the time of closure registration cancellation | release.

Explanation of symbols

10 ATM
DESCRIPTION OF SYMBOLS 11 Card reading part 12 Input display part 13 Deposit / withdrawal part 14 Printing part 15 Communication part 16 Blocking registration part 17 Blocking cancellation part 18 ATM control part 18
19 Release Authentication Information Issuing Unit 30 Network 40 Host Computer 41 Host Communication Unit 42 Authentication Unit 43 Blocking Information Storage Unit 44 Blocking Registration Processing Unit 45 Blocking Registration Release Processing Unit 46 Host Control Unit 100 Automatic Transaction System

Claims (4)

And transaction management a row cormorant management devices perform customer authentication of, and is connected with the management device receives a transaction stop instruction from a customer that has been authenticated, the stop of the transaction by transaction card in the account of the customer said In an automatic transaction system comprising an automatic transaction device registered in a management device,
The automatic transaction apparatus is
A lost number notification means for acquiring a lost number for canceling a registered transaction suspension from the management device and notifying the customer of the lost number;
After the block registration, the management device is authenticated based on the lost number acquired from the applicant who wants to cancel the block registration, and instructs the management device to cancel the registration of the transaction with the transaction card in the account of the authenticated release applicant. An occlusion releasing part that
The management device
A block registration processing unit that supplies the lost number to the automatic transaction apparatus during block registration;
Upon receiving a lost number from the automatic transaction apparatus, the lost number and the supplied lost number are matched and authenticated, and the cancellation applicant authentication unit for authenticating the cancellation applicant,
An automatic transaction system comprising: a block registration cancellation processing unit that cancels the suspension registration of a transaction with a transaction card in the account of the authenticated release requester when receiving an instruction to cancel the block registration from the automatic transaction apparatus . And transaction management a row cormorant management devices perform customer authentication of, and is connected with the management device receives a transaction stop instruction from a customer that has been authenticated, the stop of the transaction by transaction card in the account of the customer said In an automatic transaction system comprising an automatic transaction device registered in a management device,
The automatic transaction apparatus is
To obtain the missing number for releasing the registered transaction is stopped from the management device includes a lost number notifying means for notifying the lost number against the customer,
The management device
During closed registration, automatic transaction system, characterized in that it comprises a closed registration processing section for supplying the missing numbers to the automated transaction apparatus. The lost number notification means includes a display unit for displaying the lost number, a printing unit for printing out the lost number, and a lost number issuing unit for performing notification control of the display unit and the printing unit. The automatic transaction system according to claim 1 or claim 2. Perform customer authentication of is the connection line cormorant management device transaction management, registration and from the authenticated customer receives a transaction stop instruction, to stop the transaction by transaction card in the account of the customer to the management device In the automatic transaction device to
An automatic transaction apparatus comprising: a lost number notification means for acquiring a lost number for canceling a registered transaction suspension from the management apparatus and notifying the customer.

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