JP4791791B2 - PIN code judging method and PIN code judging device - Google Patents

Description

The present invention relates to a personal identification number determination method and a personal identification number determination apparatus for inputting a personal identification number to a terminal.

Currently, withdrawal of cash using an automatic teller machine (hereinafter also simply referred to as ATM) is widely performed. When cash is withdrawn from an ATM using only a cash card, the user first inserts the cash card into the ATM. And ATM reads account information from the magnetic stripe of the inserted cash card. The ATM notifies the center system of the read account number and the password entered from the numeric keypad. The center system recognizes the ATM operator as the principal when the PIN number for the account number that is held matches the received PIN number, and sends to the ATM whether or not the ATM operator and the principal match. To do. And ATM enables the drawer operation by a user.
JP 2001-337924 A

  In recent years, there has been an endless crime of fraudulent cash withdrawal by impersonation using a counterfeit / stolen cash card. As a countermeasure, an authentication system using biometric information (palm vein authentication, finger vein authentication, etc.), which is said to be difficult to forge or steal, has been proposed.

  However, it is said that the above measures require new investment and the investment amount is not small. That is, there is a problem that it is expensive to take the above measures. Therefore, it is expected that there will be financial institutions that can respond immediately and financial institutions that take time to respond. As a result, there is a problem that an equal safety measure is not taken from the viewpoint of the customer.

The present invention has been made in view of the above-described problems, and it is relatively simple to effectively utilize existing resources while suppressing an increase in cost without adding a new device or a medium such as an IC card. It is an object of the present invention to provide a personal identification number determination method and a personal identification number determination apparatus that can enhance the personal identification number and improve the accuracy of identification.

In order to solve the above-described problem, the personal identification number determination method according to the present invention is a computer in which a personal identification number input by a user is acquired and page information read from a passbook is acquired, and a personal identification number in a storage area. , With reference to the account information that records which digit position value of the password is to be replaced, the value of the digit position defined in the account information for the password entered by the user is page information read from and a step replacement replace the number indicated, and the personal identification number which the replacement has, and a determination step of determining whether the personal identification number of the storage area are matched.

Further, in the personal identification number determination method of the present invention, the acquisition step includes a step of acquiring an account number recorded on a cash card inserted by a user and an account number read from a passbook , and the determination step includes: Determining whether or not the account number recorded on the cash card and the account number read from the passbook match , and the account number recorded on the cash card and the account number read from the passbook are If it does not match provided with a higher interrupt interruption engineering a deal.

Further, the personal identification number determination device of the present invention acquires the personal identification number input by the user, acquires the page information read from the passbook, the personal identification number of the storage area, and any digit of the personal identification number With reference to the account information that records whether to replace the position value, the page information read from the passbook shows the digit position value specified in the account information for the password entered by the user and means replacing replaced by a personal identification number which the replacement was a determining means for determining whether a personal identification number of the storage area are matched.

According to the present invention, the computer obtains the password entered by the user, obtains the page information read from the passbook, and determines whether the password in the storage area is replaced with the digit position value of the password. Referring to the recorded account information, for the password entered by the user, the digit position value specified in the account information is replaced with the number indicated by the page information read from the passbook , and the replaced password and , it is determined whether the secret number storage area match. Therefore, in the present invention, if the bankbook is not correct, for example, a transaction such as cash withdrawal using the bankbook cannot be performed, so that the safety of the transaction can be improved. Further, the present invention, even if the personal identification number is leaked, without knowing whether the one of the page number of the passbook of its PIN, it is not possible to conduct a transaction, the transaction using the passbook Whether or not the person who has the right to do this (this person is the principal in this specification. This person also includes, for example, an agent delegated to process payment transactions from the account holder). It is possible to improve the accuracy of identity verification, which is confirmation of the transaction, and to improve the safety of transactions using a passbook. In addition, the present invention, for example, when performing transactions such as payment of cash using a cash card and a passbook together, even if the cash card is forged or stolen, Since the transaction such as payment cannot be performed, the safety of the transaction can be improved.

In addition, the present invention accepts the insertion of a cash card and interrupts the transaction if the account number recorded on the cash card and the account number read from the passbook do not match. Both a passbook and a cash card are required, and the accuracy of identity verification, which is confirmation of whether or not the person has the right authority to conduct transactions using the passbook, can be improved, and the safety of transactions using the passbook Can be improved.

Further, in order to use the number indicated by the page information read from the passing book is unnecessary to provide the passbook special identification information for the present invention, the present invention using a passbook that is commonly used As a result, the cost can be prevented from increasing.

In addition , since the digit number to be replaced in the password is recorded in the storage area , the user cannot make a transaction if he also knows the number indicated by the page information read from the passbook. As a result, the safety of transactions can be further improved.

(1) System Configuration First, an embodiment of a password input method that is a password determination method of the present invention will be described with reference to the drawings. The description of the embodiment of the password input method of the present invention described below also serves as the description of the embodiment of the password input device which is the password determination device of the present invention.

First, the configuration of an embodiment of the password input method of the present invention will be described with reference to FIG. FIG. 1 is a system configuration diagram for carrying out an embodiment of a password input method according to the present invention. In the system shown in FIG. 1, the center system of each financial institution and each store ATM are connected by a bank network, and each financial institution center system is connected by a financial settlement network. In one embodiment of the PIN code input method of the present invention, ATM is taken as an example of a terminal for a user to make a transaction, but the PIN code input method of the present invention is not limited to such a case, The terminal is not limited to ATM as long as it can perform bank transactions.

  Each bank center system is connected to an account database (hereinafter also simply referred to as DB). In the example shown in FIG. 1, only two financial institution systems are shown. However, the present invention is not limited to such a case, and there are two financial institution systems connected to each other. The number may be any number as described above.

(2) Block Diagram Next, functions of the center system and ATM shown in FIG. 1 will be described with reference to FIG. FIG. 2 is an internal block diagram of the center system and ATM shown in FIG.

  As shown in FIG. 2A, the center system includes a host transaction processing unit 202. Then, the host transaction processing unit 202 includes a distribution processing unit 206 that performs processing for distributing what processing is performed, and a password number method that determines whether the password number method to be used is, for example, a passbook or not. An inquiry processing unit 207, a password change processing unit 208 that performs a password change process, a payment transaction processing unit 209 that debits an account when paying cash to a user, and other processing such as balance inquiry Other transaction processing unit 210 is provided. The ATM is provided with an ATM transaction processing unit 201. The ATM transaction processing unit 201 displays the necessary information for the user on the screen, accepts information input from the user, accepts a cash card from the user, and provides cash to the user. Perform processing to do.

  For example, in the example shown in FIG. 2A, when the bank A account holder uses the ATM of the bank A to perform payment processing, the ATM transaction processing unit 201 in the ATM and the bank A center system For example, information for payment processing such as an account number, a payment amount, whether payment is possible, and the like is exchanged with the host transaction processing unit 202.

  In addition, when the bank A account holder performs payment processing using the ATM 205 of the bank B, the ATM transaction processing unit 205 performs a payment operation such as input of a payment amount by the user, and the ATM transaction processing unit From 205, for example, information for payment processing such as an account number and payment amount is sent to the other bank-directed relay processing unit 203 and the financial settlement network 204 in the B bank center system, and the host transaction processing unit in the A bank center system 202. Thereafter, payment processing such as balance inquiry is performed in the host transaction processing unit 202 in the A bank center system, and information such as whether payment is possible is transmitted to the ATM transaction processing unit 205.

  FIG. 2B is an internal block diagram of the ATM transaction processing unit 201 shown in FIG. As shown in FIG. 2B, the ATM transaction processing unit 201 includes an input / display unit 211, an insertion / discharge unit 212, a recognition unit 213, a determination unit 214, a page turning unit 215, and an interruption. Part 216.

The input / display unit 211 controls the operation of a touch panel display provided in the ATM. For example, the input / display unit 211 detects that the user has touched an image part showing a character, a numerical value, or an action displayed on the touch panel with a finger, and the character, numerical value, or action corresponding to the detected image part. Is detected by the user. The input / display unit 211 provides information to the user by displaying necessary information on the touch panel. Note that the input means used in the PIN code input method of the present invention is not limited to such a touch panel, but an arbitrary device such as a keyboard or other numeric keys that are input by a physical vertical movement. Can be used.

  The insertion / ejection unit 212 takes in the cash card or passbook set by the user into the ATM, and performs an operation of ejecting the used cash card or passbook from the ATM. The recognition unit 213 reads and recognizes information such as an account number recorded on a magnetic stripe or the like formed on a cash card or a passbook. The recognition unit 213 reads and recognizes information regarding page numbers provided as vertical bars or horizontal bars printed on the passbook. For recognition of the vertical bar or horizontal bar, a method of irradiating light and recognizing the reflected light can be used. The method of inputting the personal identification number of the present invention is not limited to such a case as the method of recognizing the page number of the recognition unit 213, and magnetic information representing the page number is formed on each page of the passbook. Other methods may be used.

  In addition, the determination unit 214 determines whether the password entered by the user matches the password transmitted from the host, and whether the account number of the cash card matches the account number of the passbook. Various determination processes such as are performed.

  When the page currently opened in the passbook inserted in the ATM is different from the page printed on the passbook, the page turning unit 215 turns the passbook from the currently opened page to the page to be printed. It has a function. The page turning portion 215 may be configured such that, for example, a roller at the tip of a motor is attached, the roller contacts each page of the bankbook, the roller rotates in accordance with the rotation of the motor, and the page turns.

  The interruption unit 216 has a function of interrupting a process that is currently being performed. For example, if the determination unit 214 determines that the account number of the cash card does not match the account number of the passbook, the interruption unit 216 interrupts the payment transaction, for example.

(3) Security Code Change Transaction Next, an operation for changing a security code in an embodiment of the security code input method of the present invention will be described with reference to FIG. 3, FIG. 4, and FIG. FIG. 3, FIG. 4 and FIG. 5 are flowcharts of operations when changing the password in one embodiment of the password input method of the present invention. 3, 4, and 5, the left part shows an operation of an ATM transaction processing unit provided in the ATM that performs a transaction operation in the ATM by the user and various processes described later.

  3, 4, and 5, the right part shows the operation of each unit provided in the host transaction processing unit of the center system. As will be described below, the host transaction processing unit includes a distribution processing unit, a personal identification number method inquiry processing unit, a personal identification number change processing unit, a payment transaction processing unit, and other transaction processing units. The operation of these units will be described later. Further, in the flowcharts shown in FIGS. 3, 4 and 5, the process enclosed by a square indicates the operation of the ATM transaction processing unit, and the process indicated as characters indicates the process of the user.

  First, in S3-1, the ATM transaction processing unit displays a transaction menu screen on the ATM. This transaction menu screen includes "PIN change transaction" which is a process for changing the PIN, "Payment transaction" which is a process for requesting cash payment, and "Payment process" which is a process for making a transfer. This is the displayed screen. Of course, other arbitrary processing may be performed. The user can select a transaction by touching these display parts displayed on the screen with a finger.

Next, in S3-2, the user presses the “PIN change transaction” button displayed on the ATM display screen. In the following description, pressing a button means that a user touches a picture portion such as a button displayed on an ATM screen with a finger. When the user touches the ATM screen with his / her finger, the voltage of the portion corresponding to the touched screen changes, and the process indicated by the figure or characters formed corresponding to the portion touched with the finger It is possible for the ATM to determine that is selected by the user.

  Next, in S3-3, the ATM transaction processing unit displays a passbook and cash card insertion request message on the ATM display screen, and informs the user of the necessity of such insertion processing. Next, in S3-4, the user sets the passbook and the cash card in the insertion slot according to the guidance message.

  Next, in S3-5, the ATM transaction processing unit waits to set a passbook as an insertion medium. That is, the ATM transaction processing unit waits until a passbook is set (S3-5-1). Next, in S3-6, the ATM transaction processing unit inhales the set passbook and reads the information recorded in the magnetic stripe of the passbook. Then, the ATM transaction processing unit determines whether or not the bankbook has been normally read (S3-6-1). If the reading of the bankbook is abnormal, the ATM transaction processing unit proceeds to S3-12.

  If the reading is normal, the ATM transaction processing unit stores information (account number, etc.) necessary for the processing in the ATM storage area, and reads the passbook page information (S3-7). Here, the page information of the passbook is recorded in the passbook by, for example, vertical or horizontal bars. The ATM recognizes the page of the passbook by reading this bar with a bar reader. Of course, the reading of the passbook page information of the present invention is not limited to this method, and other methods may be used. Then, the ATM transaction processing unit determines whether or not the passbook page information has been normally read (S3-7-1). If the reading of the passbook page information is abnormal, the process proceeds to S3-12.

  Then, if the reading of the passbook page information is normal, the ATM transaction processing unit stores two digits of page information in a storage area in the ATM. If the valid page information is a single digit, the ATM transaction processing unit pads the page information with zero padding. Here, the page information stored in the storage area in the ATM will be described with reference to FIG. FIG. 6 is a conceptual diagram of page information stored in the ATM of one embodiment of the password input method of the present invention. As shown in FIG. 6, in the page information 1 to 9, zero is padded (inserted) in the page number.

  Next, in S3-8, the ATM transaction processing unit displays a cash card insertion request message and waits for the insertion of the cash card. In S3-9, the user sets a cash card in the ATM.

  Next, in S3-10, the ATM transaction processing unit inhales the set cash card and reads the information recorded in the magnetic stripe. Then, the ATM transaction processing unit determines whether or not normal reading has been performed (S3-10-1), and if reading of information on the magnetic stripe of the cash card is abnormal, the process proceeds to (S3-12).

  If the reading of the information on the magnetic stripe of the cash card is normal, the ATM transaction processing unit stores information (account number, etc.) necessary for the processing in a storage area in the ATM. In step S3-11, the ATM transaction processing unit compares each account number read from the bankbook and the cash card. Then, the ATM transaction processing unit determines whether or not the bankbook and the account number read from the cash card match (S3-11-1). If they match, the process proceeds to (S3-13). If they do not match, the process proceeds to (S3-12).

  Next, in S3-12, the ATM transaction processing unit displays an error message corresponding to each error and interrupts the corresponding transaction. Thereafter, the process proceeds to S3-1. Next, in S3-13, the ATM transaction processing unit sets a code indicating "PIN number method inquiry" and a read account number in the transaction code, and transmits an upstream message to the host. Here, the PIN code type inquiry transaction upstream message format will be described with reference to FIG. FIG. 7 is a conceptual diagram of the structure of an upstream message transmitted in an embodiment of the password input method of the present invention.

  As shown in FIG. 7, the upstream message includes an upstream message header indicating information such as the destination of the message, a transaction code indicating the transaction to be processed, an account store used by the user, Store number / account number indicating the account number is included. In FIG. 7, 9 represents a multi-digit number, and the number in parentheses represents the number of digits. This is the same for all message formats described below. For example, the transaction code shown in FIG. 7 has four digits, and the transaction code 9001 indicates a PIN code inquiry transaction.

  Next, the distribution processing unit provided in the host processing unit that has received the upstream message from the ATM performs transaction distribution processing. The distribution processing unit checks the transaction code included in the upstream message (S3-14). Then, the distribution processing unit determines whether or not the transaction is a personal identification number system inquiry (S3-14-1), and when the transaction code indicates “personal identification number system inquiry”, the process proceeds to step S3-15. .

  Then, when the transaction code does not indicate “password reference”, the distribution processing unit determines whether the transaction code indicates “password change” (S3-14-2). If the transaction code is “change PIN”, the distribution processing unit proceeds to S3-41 shown in FIG. 5. If the transaction code is not “change PIN”, the distribution processing unit will be described in FIG. Perform payment transaction processing. This payment transaction process will be described later.

Next, in S3-15, the personal identification number system inquiry processing unit provided in the host transaction processing unit
Check whether the transaction is being executed using an ATM at another bank. The use of another bank's ATM means that the user is performing this processing using an ATM of a bank different from the bank issuing the passbook. Then, the personal identification number system inquiry processing unit determines whether or not the other-line ATM is used (S3-15-1). When the other-line ATM is used, the process proceeds to (S3-16), and the own line If ATM is used, the process proceeds to (S3-17).

  Next, in S3-16, the personal identification number system inquiry processing unit returns an error response to the ATM that requested the inquiry because the transaction is a processing unit that does not permit the use of the other bank ATM. Thereafter, the process proceeds to S3-12.

  Next, in S3-17, the personal identification number method inquiry processing unit reads out the "security code method", "password", and "password configuration information" from the corresponding account information. Then, the personal identification number system inquiry processing unit returns a response message for the personal identification number system inquiry request to the ATM having made the inquiry request. Here, account information recorded in the host will be described with reference to FIG. FIG. 8 is a conceptual diagram of account information stored in the host according to an embodiment of the password input method of the present invention.

  As shown in FIG. 8, the account information includes store number / branch number, account number, caution / accident information, account balance, code number system, code number, convenience code number, and code number. Configuration information.

The store number / branch number is information indicating the store that manages the account. A store number indicates a store, and a branch number indicates a branch included in the store. The account number is a management number uniquely assigned to the account. Caution / accident information is information including an accident that occurred in the account. The account balance is information indicating the balance of the deposit left in the account.

  The information of the PIN code method is either when the PIN code used by the user is composed of information entered using the numeric keypad or when it consists of information consisting of a passbook page number and numeric keypad number. It is information indicating whether or not.

  For example, 0 is set when the password is all numeric keys, and 1 is set when the password is composed of a passbook page number and input information using the numeric keys. If 0 is set, the reference of the personal identification number configuration information is invalid. When 1 is set, reference to the personal identification number configuration information is valid.

  The information on the personal identification number is an original (genuine) personal identification number that does not include information indicating the page number. The convenient password is a convenient password when the password method is 1. That is, when using a password using a passbook page number, the user replaces one number of the original password with the page number. Then, a password that is obtained by replacing one of the original passwords with P indicating the page number is a convenient password. Note that a character in which one of the original personal identification numbers indicates a page number is not limited to P, and other characters may be used.

  The personal identification number configuration information is information indicating which one of the four personal identification numbers is replaced with a page number. For example, when the numerical value at the left end is 0, the first digit of the code number is information input from the numeric keypad, and when the numerical value at the left end is 1, the first digit of the code number is the passbook page number. Indicates the value of the place.

From the above, for example, when the personal identification number is 1234 and the convenient personal identification number is 1P34 (the personal identification number configuration information is 0100), the second digit is the first value of the passbook page number, and the personal identification numbers 1, 3 , Means that the fourth digit is composed of an input value from the numeric keypad.

  Next, a response message returned from the host to the ATM in S3-17 will be described with reference to FIG. FIG. 9 is a conceptual diagram of a response message for a personal identification number system inquiry request returned from the host to the ATM in one embodiment of the personal identification number input method of the present invention.

  As shown in FIG. 9, the response message stores a downstream message header including information such as a destination, a password number system, a password number, and a password number configuration information. 9 is a numerical attribute, and the number in parentheses indicates the number of digits. These pieces of information are the same as the information shown in FIG.

  Next, in S3-18, the ATM transaction processing unit extracts “password method”, “password”, and “password configuration information” from the response message to the received password method inquiry request shown in FIG. And stored in a storage area in the ATM.

In S3-19, the ATM transaction processing unit checks the received password number method. Then, the ATM transaction processing unit determines whether or not the personal identification number method is 1 (S3-19-1), shifts the processing to the case where the personal identification number method is 1 (S3-20), and the personal identification number method is 1. If not, the process proceeds to (S3-21).

In S3-20, the ATM transaction processing unit displays the personal identification number change transaction (1), displays a password input request, and waits for a confirmation key to be pressed. Thereafter, the process proceeds to S3-22 shown in FIG. The screen displayed in S3-20 is shown in FIG. FIG. 10 is a schematic diagram of an example of a personal identification number change transaction confirmation screen (1) displayed on an ATM in an embodiment of the personal identification number input method of the present invention.

  (A) of FIG. 10 shows an example of the personal identification screen (1) of the password change transaction, and (b) of FIG. 10 shows a password data display transition example accompanying input from the numeric keypad. In the example of the personal identification screen (1) for the password change transaction shown in (a) of FIG. 10, a password input display section 1001 is displayed.

  Furthermore, an example of the personal identification number change screen (1) shown in (a) of FIG. 10 includes a numeric keypad 1002 for inputting the personal identification number and a confirmation key for confirming the input content by the user. 1004 and a cancel key 1005 for the user to cancel the input content are displayed.

  The user can select numbers and input information by touching the numeric keypad 1002 with a finger or the like. The numeric keypad 1002 includes a display 1003 of a letter P indicating the input of a page number. The user can specify the position to input the passbook page number in the personal identification number by touching the P numeric keypad with a finger or the like.

  The password input process will be described with reference to FIG. As shown in FIG. 10B, for example, when the user sequentially inputs 1, P, and 3, for example, three * s are sequentially displayed from the left on the input display portion 1001 for the personal identification number. This * is used in order not to display the contents of the password.

  Next, when the personal identification number method is not 1, the screen displayed in S3-21 will be described with reference to FIG. FIG. 11 is a schematic diagram of an example of a personal identification number change transaction confirmation screen (2) displayed on the ATM in the embodiment of the personal identification number input method of the present invention.

  The screen shown in FIG. 11 includes a password input display section 1101, a numeric keypad 1102 for inputting the password, a confirmation key 1103 for confirming the input contents, and a cancel key 1104 for canceling the input contents. And are displayed. Note that the numeric keypad 1102 shown in FIG. 11 does not include the letter P indicating the page number unlike the numeric keypad 1002 shown in FIG. This is because when the screen shown in FIG. 11 is displayed, 0 is selected as the personal identification number method, that is, a process that does not use a passbook is selected.

In S3-21, the ATM transaction processing unit displays the personal identification screen (2) shown in FIG. Next, in S3-22, the user inputs a personal identification number and presses the confirmation key on the screen shown in FIG. In S3-23, the ATM transaction processing unit waits for the input of a password and pressing of the confirmation key (S3-23-1). When the confirmation key is pressed, the process proceeds to S3-24.

  In S3-24, the ATM transaction processing unit checks the personal identification number method. Then, the ATM transaction processing unit proceeds to S3-26 when the password number method is 1, and proceeds to S3-25 when the password number method is not 1 (S3-24-1).

  In S3-25, the ATM transaction processing unit checks whether the password entered by the user from the numeric keypad for identity verification matches the received password. If the check result does not match, the ATM transaction processing unit proceeds to S3-32 and if matched, the process proceeds to S3-33 (S3-25-1).

Next, in S3-26, the ATM transaction processing unit obtains the registered passbook page number 1 digit (first place) from the received password number and the password number configuration information. Derivation of the registered passbook page will be described with reference to FIG. FIG. 12 is a conceptual diagram of derivation of a registered passbook page in an embodiment of the password input method of the present invention. As shown in FIG. 12, for example, when the second digit of the code number configuration information is “1” and the second digit of the code number is “2”, the first page number of the passbook inserted by the user is It turns out that it is "2".

  Next, in S3-27, the ATM transaction processing unit compares the obtained registered passbook page number 1 digit (first place) with 1 digit (first place) of the already read passbook page number 2 digits. . The ATM transaction processing unit proceeds to the processing of S3-28 when both numerical values match, and proceeds to the processing of S3-32 when they do not match (S3-27-1).

  In S3-28, the ATM transaction processing unit creates the comparison code number configuration information from the convenience code input from the numeric keypad. That is, the ATM transaction processing unit replaces the characters “0” to “9” input from the numeric keypad with “0”, and replaces the “P” character with “1” to obtain the password configuration information for comparison. create.

  Here, an example of operation for creating the personal identification number configuration information from the convenient personal identification number in S3-28 will be described. For example, (a) if the convenience code number is 1234, the code number configuration information is 0000. Further, (b) if the convenience code is P234, the code number configuration information is 1000. Further, (c) if the convenience code number is 1P34, the code number configuration information is 0100. Further, (d) if the convenience code number is 12P4, the code number configuration information is 0010. Further, (e) if the convenience code number is 123P, the code number configuration information is 0001. Here, P (uppercase letter) represents the passbook page number (first place).

  Next, in S3-29, the ATM transaction processing unit compares the created personal identification number configuration information with the received personal identification number configuration information. And when both numerical values correspond, an ATM transaction process part transfers a process to S3-30, and when it does not correspond, transfers a process to S3-32 (S3-29-1).

  In step S3-30, the ATM transaction processing unit creates a comparison password from the convenience code input from the numeric keypad and the read passbook page number. That is, the ATM transaction processing unit searches for the “P” character from the convenience code entered from the numeric keypad. If the “P” character is present, the “P” character portion is read as one digit of the read passbook page number (one digit). )).

  Here, an example of an operation for creating a comparison password from the convenience code will be described. For example, (a) when the convenience code is 1234 and the page number is 08, the comparison code is 1234. Further, (b) when the convenience code number is P234 and the page number is 08, the comparison code number is 8234. (C) When the convenience code is 1P34 and the page number is 08, the comparison code is 1834. Further, (d) when the convenience code number is 12P4 and the page number is 08, the comparison code number is 1284. Further, (e) when the convenience code is 123P and the page number is 08, the comparison code is 1238. Here, P (uppercase letter) represents the passbook page number (first place).

Next, in S3-31, the ATM transaction processing unit compares the created comparison password with the received password. Then, the ATM transaction processing unit proceeds to S3-33 when both numerical values match, and proceeds to S3-32 when they do not match (S3-31-1). In this embodiment, the check processing from S3-26 to S3-31-1 is performed by the ATM transaction processing unit, but these processing may be performed by the host. Next, in S3-32, the ATM transaction processing unit displays an error message corresponding to each error, and interrupts the transaction. Thereafter, the process proceeds to S3-1.

  Next, in S3-33, the ATM transaction processing unit has been able to confirm the identity, and therefore proceeds to a new password setting process. That is, the ATM transaction processing unit displays a personal identification number method selection screen and waits for selection. Here, the personal identification number method selection screen displayed on the ATM will be described with reference to FIG.

  FIG. 13 is a conceptual diagram of a personal identification number method selection screen displayed on the ATM of one embodiment of the personal identification number input method of the present invention. In the screen shown in FIG. 13, a display unit 1301 of the selected personal identification number method, a numeric keypad 1302 which is a numerical value input unit indicating the personal identification number method, a confirmation key 1303 for confirming the input content, and an input A cancel key 1304 for canceling the contents is displayed. In the example shown in FIG. 13, 0 is entered when all the passwords are entered with the numeric keypad, and 1 is entered when the password is entered with a combination of the numeric keypad and passbook page number.

  Next, in S3-34, the user selects a personal identification number method. In S3-35, the ATM transaction processing unit checks the selected personal identification number method. Then, the ATM transaction processing unit proceeds to S3-36 when the password number method selected by the user is 1, and shifts to S3-37 when the password number method selected by the user is not 1 (S3-37). 35-1).

  Next, in S3-36, the ATM transaction processing unit displays the security code change screen (1) of the security code change transaction, requests for input of the security code and security code configuration information, and waits for pressing of the confirmation key. After the confirmation key is pressed, the process proceeds to S3-38. Here, the screen displayed in S3-36 will be described with reference to FIG. FIG. 14 is a schematic diagram of a password change screen (1) for a password change transaction in an embodiment of the password input method of the present invention.

  In the screen shown in FIG. 14, a display unit 1401 for displaying the input code number, a display unit 1402 for displaying the input code number configuration information, and a code number and code number configuration information are input. Are displayed, a confirmation key 1404 for confirming the input content, and a cancel key 1405 for canceling the input content. The numeric keypad 1403 includes a letter P indicating a page number.

  Next, in S3-37, the ATM transaction processing unit displays the password change screen (2) for the password change transaction, requests for input of the password, and waits for pressing of the confirmation key. Thereafter, the ATM transaction processing unit proceeds to S3-38. Here, the screen displayed in S3-37 will be described with reference to FIG. FIG. 15 is a schematic diagram of a password change screen (2) of a password change transaction in an embodiment of the password input method of the present invention.

  FIG. 15 shows a display unit 1501 for displaying the entered password, a numeric keypad 1502 for entering the password, a confirmation key 1503 for confirming the entered content, and a cancel key for canceling the entered content. 1504 is displayed. In the example shown in FIG. 15, unlike the example shown in FIG. 14, the display unit for the code number configuration information is not displayed.

  Next, in S3-38, the user inputs a new password or the like from the screen shown in FIG. Next, in S3-39, the ATM transaction processing unit waits for the confirmation key to be pressed. Then, the ATM transaction processing unit confirms whether or not the confirmation key is pressed (S3-39-1), and when it is pressed, proceeds to S3-40 shown in FIG.

  In S3-40, the ATM transaction processing unit sets a numerical value indicating the change of the PIN number in the transaction code, and sets the account number, the changed new PIN number method, the PIN number, and the PIN number configuration information in the upstream message. To do. Then, the ATM transaction processing unit transmits this upstream message to the host.

  Here, the uplink message transmitted in S3-40 will be described with reference to FIG. FIG. 16 is a conceptual diagram of a password change transaction upstream message format transmitted by ATM in one embodiment of the password input method of the present invention.

  As shown in FIG. 16, the PIN change transaction upstream message includes, from the top, an upstream message header, a transaction code, a store number / account number, a PIN number system, a PIN number, and a PIN number configuration information. include. Since these pieces of information are the same as the information described with reference to FIG. 8, detailed description thereof is omitted. In FIG. 16, for example, when a password change transaction is performed, 9002 is set in the transaction code.

  Next, in S3-41, the PIN change processing unit of the host transaction processing unit checks the validity of the new PIN number method, the PIN number, and the PIN number configuration information after the change. The validity check is not appropriate when, for example, the personal identification number is 1, and the personal identification number is supposed to be a combination of a number and P indicating a page, but the personal identification number is 0000. It means to judge.

  Next, when the check result is not valid (error), the password change processing unit proceeds to S3-42, and proceeds to S3-44 when the check result is valid. In S3-42, the password change processing unit sends an error response to the ATM because of the validity error. Next, in S3-43, the ATM transaction processing unit displays a corresponding error message and interrupts the transaction. Thereafter, the ATM transaction processing unit shifts the process to S3-46.

  Next, in S3-44, the password change processing unit overwrites the information of the corresponding account with the new password number method, the password, and the password number configuration information after the change. Further, the password change processing unit creates a convenient password from the new password number method, the password, and the password number configuration information after the change, and overwrites the corresponding account information. In S3-45, the password change processing unit responds to the inquired ATM with a transaction end. In S3-46, the ATM transaction processing unit displays a transaction menu screen.

(4) Payment Transaction Next, the payment transaction will be described with reference to FIGS. FIG. 17 to FIG. 21 are flowcharts of the payment processing operation of one embodiment of the password input method of the present invention. In the technique of this embodiment, it is a technique which cannot be transacted using another bank ATM. Therefore, the difference in operation between the case of using the other row ATM and the case of using the own row ATM will be described. First, the operation in the case of using other row ATM will be described.

  First, in S4-1 shown in FIG. 17, the ATM transaction processing unit initializes a work area in the ATM memory. Next, in S4-2, the ATM transaction processing unit displays a transaction menu screen on the ATM. Since this transaction menu has been described in the portion of S3-1 in FIG. 3, detailed description thereof will be omitted. Next, in S4-3, the user presses the “payment transaction” button.

In S4-4, the ATM transaction processing unit displays a message for requesting insertion of a medium such as a cash card on the ATM screen, and informs the user of the necessity of insertion of the passbook. Next, in S4-5, the user sets the cash card in the insertion slot according to the guidance message.

  In S4-6, the ATM transaction processing unit inhales the set cash card and reads the information recorded in the magnetic stripe. Then, the ATM transaction processing unit determines whether or not the reading of information is normal reading (S4-6-1). If the reading of information is abnormal, the process proceeds to S4-7. If the information reading is normal, the ATM transaction processing unit stores information (account number, etc.) necessary for the processing in the ATM storage area, and then proceeds to S4-8.

  In S4-7, the ATM transaction processing unit displays an error message indicating that reading of information is abnormal on the ATM, and interrupts the transaction. Thereafter, the ATM transaction processing unit shifts the process to S4-1. Next, in S4-8, the ATM transaction processing unit confirms display of a payment transaction screen, a request for input of a personal identification number, a request for input of transaction data such as an amount of money, and a display of screen information prompting the user to press a confirmation key Performs key press waiting processing.

  In step S4-9, the user inputs a password or data for the amount of money to be paid and presses a confirmation key. In S4-10, the ATM transaction processing unit waits for the confirmation key to be pressed. Then, the ATM transaction processing unit determines whether or not the confirmation key is pressed (S4-10-1). If the confirmation key is pressed, the process proceeds to S4-11.

  Next, in S4-11, the ATM transaction processing unit determines whether the payment transaction code, the account number, the payment amount, and the inserted medium are, for example, a passbook or a cash card by pressing the confirmation key. Set the recommended information. Then, the ATM transaction processing unit transmits this upstream message to the host. Thereafter, the processing proceeds to S4-11-1 shown in FIG.

  Next, the operation when the user uses the own ATM will be described with reference to FIG. First, in S4-12, the ATM transaction processing unit initializes a work area in the ATM memory. In S4-13, the ATM transaction processing unit displays a transaction menu screen on the ATM. Since this transaction menu screen is the same as the screen described in S3-1 of FIG. 3, its detailed description is omitted.

  Next, in S4-14, the user presses the “payment transaction” button. In S4-15, the ATM transaction processing unit displays a passbook or cash card insertion request message.

  In S4-16, the user sets a bankbook or cash card in the ATM slot according to the guidance message. Next, in S4-17, the ATM transaction processing unit checks the inserted medium. Then, the ATM transaction processing unit determines whether or not the set medium is a passbook. If the set medium is a passbook, the process proceeds to S4-18. If the set medium is not a passbook, the process proceeds to S4-24 (S4-17-). 1).

  In the present embodiment, when the passbook page number is used as the personal identification number, a method of always inserting the passbook into the ATM before the cash card is adopted. With such a method, when the passbook page number is used as a personal identification number, it is necessary to make the insertion order of the passbook and cash card correct, and the safety of withdrawal of cash from the ATM can be improved. . However, the personal identification number input method of the present invention is not limited to the case where the passbook is first inserted into the ATM in the cash card, and the order may be reversed or arbitrary.

Next, in S4-18, the ATM transaction processing unit inhales the set passbook medium and reads the information recorded in the magnetic stripe of the passbook. Then, the ATM transaction processing unit determines whether or not the information reading is normal (S4-18-1). If the information reading is abnormal, the process proceeds to S4-25, and the information reading is normal. If there is, information (account number or the like) necessary for processing is stored in a storage area in the ATM.

  Next, in S4-19, the ATM transaction processing unit reads the passbook page information. Here, the passbook page information reading process is the same as that described in S3-7, and a detailed description thereof will be omitted. Then, the ATM transaction processing unit determines whether or not the reading of the page information is normal (S4-19-1). If the reading is abnormal, the process proceeds to S4-25, and if the reading is normal, Two digits of page information are stored in the ATM storage area. If the valid page information is one digit, zero is padded at the beginning and stored. Here, in S4-19, the page information stored in the ATM is the same as that described with reference to FIG.

  Next, in S4-20, the ATM transaction processing unit displays a cash card insertion request message and waits for the insertion of the cash card. In S4-21, the user sets a cash card.

  In S4-22, the ATM transaction processing unit inhales the set cash card and reads the information recorded in the magnetic stripe. Then, the ATM transaction processing unit determines whether or not the magnetic stripe information has been read normally (S4-22-1). If the reading is abnormal, the process proceeds to S4-25, and if the reading is normal. The information (account number, etc.) necessary for the read process is stored in a storage area in the ATM. Thereafter, the process proceeds to S4-23.

  Next, in S4-23, the ATM transaction processing unit compares whether or not the account numbers read from the bankbook and the cash card match each other. Then, the ATM transaction processing unit determines whether or not both account numbers match (4-23-1). If they match, the process proceeds to S4-26, and if they do not match, the process proceeds to S4-25.

  Next, in S4-24, the ATM transaction processing unit inhales the cash card set in the ATM and reads the magnetic stripe information. Then, the ATM transaction processing unit determines whether or not the information has been normally read (S4-24-1). If the reading is abnormal, the process proceeds to S4-25. If the reading is normal, the process is performed. Necessary information (account number, etc.) is stored in the ATM storage area. Thereafter, the ATM transaction processing unit shifts the process to S4-26. Next, in S4-25, the ATM transaction processing unit displays an error message corresponding to each error, and interrupts the corresponding transaction. Thereafter, the ATM transaction processing unit shifts the process to S4-12.

  Next, in S4-26, the ATM transaction processing unit changes the transaction code to “PIN method inquiry” for the upstream message, sets the account number, and transmits this upstream message to the host. Here, the description of the personal identification number system inquiry transaction uplink message format transmitted in S4-26 is the same as the description made with reference to FIG. 7, and thus detailed description thereof is omitted.

  Next, in S4-27, the distribution processing unit of the host transaction processing unit checks the transaction code included in the upstream message. Next, in S4-27-1, the distribution processing unit checks whether or not the transaction code is a password change. Then, when the transaction code included in the upstream message indicates a change of the security code, the distribution processing unit proceeds to S3-41 illustrated in FIG. Since the explanation of the processing after S3-41 has already been explained, detailed explanation is omitted.

  Next, when the transaction code included in the upstream message does not indicate the password change process, the distribution processing unit proceeds to S4-11-1 illustrated in FIG. 19, and the transaction code included in the upstream message is the password. It is determined whether or not it indicates a method inquiry. When the transaction code included in the upstream message does not indicate the password number system inquiry, the distribution processing unit proceeds to S4-11-2 shown in FIG. 21. To migrate.

  Next, the processing of the personal identification number system inquiry processing unit after S4-28 will be described. In S4-28, the personal identification number system inquiry processing unit checks whether or not the other-line ATM is used. Then, the personal identification number system inquiry processing unit determines whether or not the other bank ATM is used (S4-28-1), shifts the process to S4-30 if the other bank ATM is used, and S4 if the own bank ATM is used. The process is shifted to 29.

  Next, in S4-29, the personal identification number method inquiry processing unit reads out the "personal identification number method", "personal identification number", and "personal identification number configuration information" from the corresponding account information in which the transaction is performed, and sends an inquiry request ATM. A response message to the personal identification number system inquiry request in which these pieces of information are set is returned. Thereafter, the process proceeds to S4-31.

  Here, the structure of the corresponding account information is shown in FIG. Since the description regarding FIG. 8 has already been described, the detailed description thereof will be omitted. Further, a response message for the personal identification number system inquiry request is shown in FIG. Since the description regarding FIG. 9 has already been given, its detailed description is omitted.

  Next, in S4-30, the personal identification number system inquiry processing unit returns an error response to the inquiry request ATM because the transaction is a transaction that does not allow the use of other bank ATMs. Thereafter, the process proceeds to S4-35.

  Next, in S4-31, the ATM transaction processing unit extracts “PIN number method”, “PIN number”, and “PIN number configuration information” from the response message to the received PIN number method inquiry request, and stores it in the ATM. Store in the storage area.

In S4-32, the ATM transaction processing unit checks the password number method included in the received response message. Then, the ATM transaction processing unit judges the password number method (S4-3-1), and shifts the process to S4-34 when the password number method is 1, and shifts to S4-37 when the password number method is not 1. Shift processing.

  In S4-34, the ATM transaction processing unit checks whether or not both the passbook and the cash card have been inserted because both the passbook and the cash card are required to perform the transaction. Then, the ATM transaction processing unit determines whether or not both have been inserted (S4-34-1). If both have been inserted, the process proceeds to S4-36, and in other cases, the process proceeds to S4-35. To migrate.

  In S4-35, the ATM transaction processing unit displays an error message corresponding to each error, and interrupts the transaction. Thereafter, the process proceeds to S4-12. Then, in S4-36, the ATM transaction processing unit displays the identity confirmation screen (1) of the corresponding payment transaction, and waits for an input request such as a personal identification number and a confirmation key press. Thereafter, the process proceeds to S4-38. Here, the identity confirmation screen (1) displayed in S4-36 will be described with reference to FIG. FIG. 22 is a conceptual diagram of an example of a person confirmation screen (1) displayed on the ATM of one embodiment of the password input method of the present invention.

The screen shown in FIG. 22 includes a display unit 2201 for the input PIN number, a display unit 2202 for displaying the input amount, a numeric keypad 2203 for inputting the PIN number and the payment amount, and for confirming the input contents. A confirmation key 2204 and a cancel key 2205 for canceling the input contents are displayed. The numeric keypad 2203 includes P, which is a letter indicating a page number.

  Next, in S4-37, the ATM transaction processing unit displays a personal identification number change transaction (2) confirmation request, and waits for an input request for a personal identification number and a confirmation key press. Thereafter, the process proceeds to S4-38. Here, the identity confirmation screen (2) displayed in S4-37 will be described with reference to FIG. FIG. 23 is a conceptual diagram of an example of a person confirmation screen (2) displayed on the ATM of one embodiment of the password input method of the present invention.

  In the screen shown in FIG. 23, the display unit 2301 for the input password number, the display unit 2302 for displaying the input amount, the numeric keypad 2303 for inputting the password number and the payment amount, and the input content are confirmed. A confirmation key 2304 and a cancel key 2305 for canceling the input contents are displayed. The numeric keypad shown in FIG. 23 does not include the letter P. This is because it is not necessary to input the letter P indicating the page number of the passbook because the passbook is not used in the processing of S4-37.

  Next, in S4-38, the user inputs a personal identification number and relevant data (eg, transaction amount) from the screen shown in FIG. In S4-39, the ATM transaction processing unit waits for the confirmation key to be pressed. Then, the ATM transaction processing unit determines whether or not the confirmation key is pressed (S4-39-1). If the confirmation key is pressed, the process proceeds to S4-40.

  In S4-40, the ATM transaction processing unit checks the password method. Then, the ATM transaction processing unit determines whether or not the code number method is 1 (S4-40-1), and when the code number method is 1, the process proceeds to S4-42 shown in FIG. If the code number system is not 1, the process proceeds to S4-52 shown in FIG.

  In S4-42, the ATM transaction processing unit obtains the registered passbook page number 1 digit (first place) from the received password number and the password number configuration information. For example, referring again to FIG. 12, the second digit of the PIN number is “2” with respect to the second digit “1” of the PIN number configuration information, so the first digit of the passbook page number is “2”. It turns out that it is.

  Then, in S4-43, the ATM transaction processing unit compares the obtained registered passbook page number 1 digit (1st place) with 1 digit (1st place) of the read 2 passbook page number. Then, the ATM transaction processing unit determines whether or not both page numbers match (S4-43-1). If they match, the process proceeds to S4-44, and if they do not match, the process proceeds to S4-48. Transition.

  In S4-44, the ATM transaction processing unit creates the comparison code number configuration information from the convenience code input from the numeric keypad. That is, the ATM transaction processing unit replaces the characters “0” to “9” input from the numeric keypad with “0”, and replaces the “P” character with “1” to obtain the personal identification number configuration information for comparison. create.

Here, an example of the password number configuration information creation process from the convenient password in S4-44 will be described. For example, (a) when the convenience code number is 1234, the code number configuration information is 0000. Also, (b) when the convenience code number is P234, the code number configuration information is 1000. Further, (c) when the convenience code number is 1P34, the code number configuration information is 0100. Also, (d) when the convenience code number is 12P4, the code number configuration information is 0010. In addition, (e) when the convenience code number is 123P, the code number configuration information is 0001. Here, P (uppercase letter) expresses the first place of the passbook page number having at least one digit.

  In S4-45, the ATM transaction processing unit compares the generated comparison code number configuration information with the already received code number configuration information. Then, the ATM transaction processing unit determines whether or not both numerical values match (S4-45-1). If they match, the process proceeds to S4-46, and if they do not match, the process proceeds to S4-48. To move to.

  In S4-46, the ATM transaction processing unit creates a comparison password from the convenience code input from the numeric keypad and the read passbook page number. In other words, the ATM transaction processing unit searches for the “P” character of the convenience code entered from the numeric keypad. If the “P” character exists, the “P” character part is read in one digit of the read passbook page number (first place). Replace with the value of.

  Here, an example of processing for creating a comparison password from the convenience code performed in S4-46 will be described. For example, (a) when the convenience code is 1234 and the page number is 08, the comparison code is 1234. Further, (b) when the convenience code number is P234 and the page number is 08, the comparison code number is 8234. (C) When the convenience code is 1P34 and the page number is 08, the comparison code is 1834. Further, (d) when the convenience code number is 12P4 and the page number is 08, the comparison code number is 1284. (E) When the convenience code is 123P and the page number is 08, the comparison code is 1238. Here, P (uppercase letter) expresses the first place of the passbook page number which is at least one digit.

  In S4-47, the ATM transaction processing unit compares the created comparison password with the received password. Then, the ATM transaction processing unit shifts the process to S4-49 when the two passwords match, and shifts the process to S4-48 when they do not match (S4-47-1).

  In S <b> 4-48, the ATM transaction processing unit sets data (for example, 0000) in which the personal identification number does not necessarily match in the host check as the personal identification number. Thereafter, the process proceeds to S4-53.

  In S4-49, the ATM transaction processing unit sets the created comparison password as the host check password. That is, the ATM transaction processing unit uses the created comparison personal identification number as the personal identification number for host check when the personal identification number method is 1.

  In step S4-50, the ATM transaction processing unit feeds the inserted passbook page to the print page. Therefore, the page number of the passbook opened in the inserted state and the print page in the passbook magnetic stripe are displayed. Is compared with the page number managed as. This description is an example when the print page number is managed on the magnetic stripe of the bankbook. Here, an example of management of print page numbers will be described with reference to FIG. FIG. 24 is a conceptual diagram of a passbook used in an embodiment of the password input method of the present invention.

  As shown in FIG. 24, the passbook 2400 used in this embodiment includes page information 2401 indicating pages, and magnetic stripes for managing page numbers and the like. The page information includes at least one vertical or horizontal bar, but the present invention is not limited to such a case. Information managed by the magnetic stripe 2402 includes a print page 2403, a print line 2404, an account number 2405, a passbook amount balance 2406, and other information 2407 such as information such as the number of the passbook. Including.

Next, in S4-50-1, the ATM transaction processing unit confirms whether the page number of the passbook opened in the inserted state matches the page number managed as a print page in the magnetic stripe of the passbook. If both page numbers match, the process proceeds to S4-53. If they do not match, the process proceeds to S4-51. In step S4-51, the ATM transaction processing unit performs page turning up to the print page by the passbook page automatic turning function installed in the ATM. Thereafter, the process proceeds to S4-53.

  Here, page turning in S4-51 will be described with reference to FIG. FIG. 25 is a conceptual diagram of the page turning operation performed in the embodiment of the password input method of the present invention.

  As shown in FIG. 25, in this embodiment, in order to use the page number as a personal identification number, a predetermined page 2501 of the passbook 2500 is opened and the passbook is inserted into the ATM. In the example shown in FIG. 25, an example is shown in which 2 is used as the personal identification number based on the page number. Therefore, the user inserts the bankbook 2500 into the ATM with the two pages of the bankbook opened. In the case shown in FIG. 25, the page numbers 2501 and 2502 are indicated by numerical values. However, this is for convenience of explanation, and normally, the numerical values of the page are at least one or more in the vertical or horizontal direction. Identified by the bar. Of course, as an indication of a page, the present invention is not limited to the case where page information is constituted by such a bar.

  After reading the page number, ATM reads the passbook page up to the print page in order to perform withdrawal and payment printing on the passbook 2500 when the read passbook page and the page to be printed are different. That is, ATM determines that page turning is necessary when the page indicated by the page information 2401 shown in FIG. 24 is different from the page indicated by the print page 2403 recorded in the magnetic stripe.

  In the example shown in FIG. 25, the print page 2502 is eight pages. The ATM then turns the bankbook up to 8 pages and prints on the 8 pages of the bankbook. As described above, the ATM according to the present embodiment can execute printing by turning an appropriate print page of the passbook even if the page used for encryption and the page for printing are different.

  In step S4-52, the ATM transaction processing unit directly uses the input password data as a host check password. In S4-53, the ATM transaction processing unit determines the corresponding transaction code (eg payment code), account number, personal identification number, transaction data, and inserted medium information (cash card and bankbook information). Is set in the payment transaction upstream message and sent to the host. Thereafter, the process proceeds to S4-11-1.

  Here, an example of the payment transaction upstream message format transmitted in S4-53 will be described with reference to FIG. FIG. 26 is a conceptual diagram showing an example of a payment transaction upstream message format transmitted in an embodiment of the password input method of the present invention.

  As shown in FIG. 26, the payment transaction upstream message to be transmitted includes an upstream message header 2601 including information such as a transmission destination, a transaction code 2602 indicating the type of transaction, and the number and account number of the store where the transaction is performed. Information such as the store number / account number 2603 indicating the user's password, the transaction number 2604 indicating the user's password, the transaction amount 2605 indicating the transaction amount, and the bankbook of which financial institution is used. It includes passbook information 2606 that indicates information related to a passbook, and cash card information 2607 that is information related to a cash card indicating which financial institution the cash card used is.

In FIG. 26, X is shown in parentheses indicating the number of digits of the passbook information and the number of digits of the cash card information. This indicates that the number of digits of these pieces of information is arbitrary in this embodiment.

  Next, the operation of the payment transaction processing unit shown in FIG. 21 will be described. In S4-54, the payment transaction processing unit checks whether or not another bank ATM is used. Then, the payment transaction processing unit determines whether or not the user is using an ATM of another bank (S4-54-1), and moves to S4-55 when the other bank ATM is used. If used, the process proceeds to S4-57.

  And in S4-55, a payment transaction processing part checks the personal identification number system of the applicable account used as transaction object. The payment transaction processing unit determines whether or not the code number method is 1 (S4-55-1). If the code number method is 1, the process proceeds to S4-56, and otherwise the process proceeds to S4-57. .

  In S4-56, when the PIN code method is 1, the payment transaction processing unit is required to use the bankbook of its own bank, and the bankbook cannot be set at other bank ATMs. It responds to the ATM at the other line as an error. Thereafter, the process proceeds to S4-59.

  Next, in S4-57, the payment transaction processing unit performs a match check between the password entered at the ATM and the password of the corresponding account that is the object of the transaction. And a payment transaction process part transfers a process to S4-60, when both PIN numbers correspond, and when a mismatch does not transfer a process to S4-58.

  In S4-58, the payment transaction processing unit makes an error response because the personal identification numbers do not match and the person is not recognized. Thereafter, the process proceeds to S4-59. In S4-59, the ATM transaction processing unit displays an error message corresponding to each error and interrupts the transaction. Thereafter, the process proceeds to S4-12.

  Next, in S4-60, the payment transaction processing unit can debit cash from the account that is the object of the transaction, and by performing host payment transaction processing that notifies the ATM that the transaction is established, A transaction establishment response is sent to the inquiry ATM. In S4-61, the ATM transaction processing unit receives a transaction establishment response and pays cash to the user.

  Next, in S4-62, the ATM transaction processing unit prints on the passbook as necessary for the transaction amount and transaction date and time. In S4-63, the ATM transaction processing unit discharges the passbook that is the inserted medium. And ATM complete | finishes a process.

  Next, in S4-64, the other transaction processing unit performs a match check between the password entered at the ATM and the password of the corresponding account that is the subject of the other transaction. Then, the other transaction processing unit determines whether or not both passwords match (S4-64-1). If they match, the process proceeds to S4-65. If they do not match, the process proceeds to S4-67. Migrate processing.

  In step S4-65, the other transaction processing unit can perform other transaction processing such as a balance inquiry transaction, and makes a transaction establishment response to notify the inquiry ATM that the transaction has been established. And in S4-66, other transaction processing parts perform transaction processing according to each transaction. Thereafter, the host ends the process. Next, in S4-67, the other transaction processing unit responds with an error because the personal identification number is inconsistent and the person is not recognized. Thereafter, the process proceeds to S4-59.

  As described above, according to one embodiment of the method for inputting a personal identification number of the present invention, when cash or the like is withdrawn from an ATM, the personal identification number is required to be input. It is a number that is combined with the page number of the passbook. As a result, it is possible to enhance identity verification in payment transactions using ATMs such as financial institutions.

  That is, according to one embodiment of the password input method of the present invention, the following effects can be expected by combining the password entered from the numeric keypad and the page number of the passbook into a password.

  (1) Although there is a trade-off relationship with user convenience, when a user withdraws cash, a passbook of the corresponding account is required in addition to a cash card. Therefore, in this embodiment, the passbook standard is correct, magnetic stripe information (writing standard: 1 block / 2 block system, stripe format varies for each customer, there is a host check of the passbook balance), page information (vertical bar) / There are two types of horizontal bars) must be read correctly. Therefore, since a regular bankbook is required for cash withdrawal, the risk of fraudulent cash withdrawal by impersonation using a counterfeit / stolen cash card can be reduced.

  (2) The password entered by the user (referred to as a convenient password in this description) is not the original (authentic) 4 digits, but (a) 3 digits and 1 character representing the passbook page number. It is necessary to input in 4 digits. (B) It is necessary to know which digit in the passbook page number corresponds to 4 digits. (C) The passbook page number inserted first must be correct. In the present embodiment, the fact that the above (a) to (c) match is a condition for canceling the password, which leads to an increase in the strength of the password itself as compared to the conventional password input using only the numeric keypad. It is not possible to recognize a person who has a legitimate authority to conduct a transaction only by knowing the genuine password. Therefore, it becomes difficult to impersonate the person and the risk can be reduced.

  In the above-described embodiment of the password input method of the present invention, the case where a bankbook and a cash card are used together has been described as an example. However, the present invention may be implemented using only a bankbook. Further, the place where the ATM is installed is not limited to the bank but may be a convenience store, a general store such as another mass retailer, or a booth dedicated to ATM.

  Moreover, as a passbook used in one Embodiment of the PIN code input method of this invention, it does not specifically limit about the magnitude | size and shape, Arbitrary things can be used. In addition, as a cash card used in one embodiment of the PIN code input method of the present invention, a card with account information recorded on a magnetic stripe is used, but the present invention is limited to such a case. Instead, for example, a cash card in which information is recorded on an integrated circuit (IC) chip may be used instead of the magnetic stripe or together with the magnetic stripe.

  In the description of one embodiment of the password input method of the present invention, the case where the number of digits of the password is 4 has been described as an example. However, the password input method of the present invention is limited to such a case. The number of digits of the personal identification number may be an arbitrary number of two or more digits.

(Additional remark 1) The input process which receives the input of the combination information which is the combination of the display information showing the recognition information recognized from a passbook, and the input information showing information other than the recognition information of the said passbook;
A recognition step of recognizing the recognition information of the inserted bankbook;
A determination step of determining whether or not the information obtained by replacing the display information of the combination information with the recognition information recognized in the recognition step matches a user's personal identification number. PIN code input method.

(Supplementary note 2) Insertion acceptance process for accepting insertion of a cash card;
An account number determination step of determining whether or not the account number of the cash card and the account number of the bankbook match;
The personal identification number input method according to supplementary note 1, comprising an interruption step of interrupting a transaction when an account number of the cash card and an account number of the bankbook do not match.

  (Supplementary note 3) The password input method according to supplementary note 1, wherein the recognition information is a page number of the passbook.

  (Additional remark 4) The PIN code input method of Additional remark 1 with which the position of the said display information in the said input information is designated in the said combination information.

  (Additional remark 5) When the page of the passbook opened when recognizing the recognition information is different from the page for printing predetermined information on the passbook, it is opened to recognize the recognition information. The method of inputting a personal identification number according to appendix 1, further comprising a turning step of turning a page from a printed page to a printed page.

  According to the invention of Supplementary Note 5, when the passbook page opened when recognizing the recognition information is different from the page for printing predetermined information on the passbook, the recognition information is recognized. Since pages are opened from the page opened to the page to be printed, it is possible to print on the correct page of the passbook.

  (Additional remark 6) The PIN code input method of Additional remark 1 whose said display information is a character and whose said input information is a number.

  According to the invention of the supplementary note 6, characters and numbers can be used for the display information and the input information, and the display information and the input information can be configured by the input information that is generally used. Therefore, a special symbol is not required, and the cost for carrying out the present invention can be reduced.

(Supplementary note 7) An input unit that receives input of combination information that is a combination of display information representing recognition information recognized from a passbook and input information representing information other than the recognition information of the passbook;
A recognition means for recognizing the recognition information of the inserted bankbook;
Judgment means for judging whether or not information obtained by replacing the display information of the combination information with the recognition information recognized by the recognition means coincides with a user's personal identification number; PIN code input device.

(Appendix 8) Insertion acceptance means for accepting insertion of a cash card;
Account number determination means for determining whether or not the account number of the cash card and the account number of the bankbook match,
The personal identification number input device according to appendix 7, further comprising interruption means for interrupting a transaction when an account number of the cash card and an account number of the bankbook do not match.

  (Supplementary note 9) The password input device according to supplementary note 7, wherein the recognition information is a page number of the passbook.

  (Additional remark 10) The PIN code input device of Additional remark 7 with which the position of the said display information in the said input information is designated in the said combination information.

  (Supplementary Note 11) When a passbook page opened when recognizing the recognition information is different from a page for printing predetermined information on the passbook, it is opened to recognize the recognition information. The password input device according to appendix 7, further comprising a turning means for turning the page from the printed page to the page to be printed.

  (Additional remark 12) The PIN code input device of Additional remark 7 whose said display information is a character and whose said input information is a number.

(Supplementary note 13)
An input means for receiving input of combination information that is a combination of display information representing recognition information recognized from a passbook and input information representing information other than the recognition information of the passbook;
A recognition means for recognizing the recognition information of the inserted bankbook, and
The information obtained by replacing the display information of the combination information with the recognition information recognized by the recognition means functions as a determination means for determining whether or not the information matches the user's personal identification number. Program for.

(Supplementary note 14)
Insertion acceptance means for accepting insertion of a cash card,
Account number determination means for determining whether or not the account number of the cash card and the account number of the bankbook match, and
14. The program according to appendix 13, for causing the transaction number to be interrupted when the account number of the cash card and the account number of the bankbook do not match.

  (Supplementary note 15) The program according to supplementary note 13, wherein the recognition information is a page number of the passbook.

  (Additional remark 16) The program of Additional remark 13 in which the position of the said display information in the said input information is designated in the said combination information.

  (Supplementary Note 17) When a page of a passbook opened when recognizing the recognition information is different from a page for printing predetermined information on the passbook, the page is opened to recognize the recognition information. 14. The program according to supplementary note 13, comprising page turning means for turning pages from printed pages to printed pages.

  (Additional remark 18) The program of Additional remark 13 whose said display information is a character and whose said input information is a number.

It is a system configuration figure for carrying out one embodiment of a PIN code input method of the present invention. FIG. 2 is an internal block diagram of the center system and ATM shown in FIG. 1. 5 is a flowchart of an operation when changing a password in one embodiment of the password input method of the present invention. 5 is a flowchart of an operation when changing a password in one embodiment of the password input method of the present invention. 5 is a flowchart of an operation when changing a password in one embodiment of the password input method of the present invention. It is a conceptual diagram of the page information stored in ATM of one Embodiment of the PIN code input method of this invention. It is a conceptual diagram of the structure of the uplink message transmitted in one Embodiment of the PIN code input method of this invention. It is a conceptual diagram of the structure of the uplink message transmitted in one Embodiment of the PIN code input method of this invention. In one Embodiment of the PIN code input method of this invention, it is a conceptual diagram of the response message with respect to the PIN code system inquiry request | requirement sent in response to ATM from a host. In one Embodiment of the PIN code input method of this invention, it is the schematic of an example of the personal identification screen (1) of the PIN code change transaction displayed on ATM. In one Embodiment of the PIN code input method of this invention, it is the schematic of an example of the personal identification screen (2) of the PIN code change transaction displayed on ATM. It is a conceptual diagram of derivation | leading-out of the registered passbook page in one Embodiment of the PIN code input method of this invention. It is a conceptual diagram of the personal identification number system selection screen displayed on ATM of one Embodiment of the personal identification number input method of this invention. It is a conceptual diagram of the security code change screen (1) of the security code change transaction in one embodiment of the security code input method of the present invention. It is a conceptual diagram of the PIN code change screen (2) of the PIN code change transaction in an embodiment of the PIN code input method of the present invention. In one Embodiment of the PIN code input method of this invention, it is a conceptual diagram of the PIN code change transaction upstream message format which ATM transmits. It is a flowchart of payment processing operation | movement of one Embodiment of the PIN code input method of this invention. It is a flowchart of payment processing operation | movement of one Embodiment of the PIN code input method of this invention. It is a flowchart of payment processing operation | movement of one Embodiment of the PIN code input method of this invention. It is a flowchart of payment processing operation | movement of one Embodiment of the PIN code input method of this invention. It is a flowchart of payment processing operation | movement of one Embodiment of the PIN code input method of this invention. It is a conceptual diagram of an example of the personal identification screen (1) displayed on ATM of one Embodiment of the PIN code input method of this invention. It is a conceptual diagram of an example of the personal identification screen (2) displayed on ATM of one Embodiment of the PIN code input method of this invention. It is a conceptual diagram of the passbook used for one Embodiment of the PIN code input method of invention. It is a conceptual diagram of the page turning operation | movement implemented in one Embodiment of the PIN code input method of this invention. It is a conceptual diagram of an example of the payment transaction upstream message format transmitted in one Embodiment of the PIN code input method of this invention.

Explanation of symbols

201 ATM transaction processing unit 202 Host transaction processing unit 203 Relay processing unit addressed to other bank 204 Financial settlement network 205 ATM
206 Distribution Processing Unit 207 Personal Identification Number Method Inquiry Processing Unit 208 Personal Identification Number Change Processing Unit 209 Payment Transaction Processing Unit 210 Other Transaction Processing Unit 211 Input / Display Unit (Input Means)
212 Insertion / ejection unit (insertion acceptance means)
213 Recognition unit (recognition means)
214 Judgment Unit (Judgment Unit, Account Number Judgment Unit)
215 Page turning part (turning means)
216 Interruption part (interruption means)
1001 Input display section 1002 Numeric keypad 1003 Character display 1004 Confirmation key 1005 Cancel key 1101 Input display section 1102 Tenkey 1103 Confirmation key 1104 Cancel key 1301 Display section 1302 Tenkey 1303 Confirmation key 1304 Cancellation key 1401 Display section 1404 Display key 1403 Display key 1403 Display key 1403 1501 Display unit 1502 Ten key 1503 Confirmation key 1504 Cancel key 2201 Display unit 2202 Display unit 2203 Ten key 2204 Confirmation key 2205 Cancel key 2301 Display unit 2302 Display unit 2303 Ten key 2304 Confirmation key 2305 Cancel key 2400 Passbook 2401 Page information 2402 2404 Print line 2405 Account number 2406 Passbook amount balance 2 407 Other information 2500 Passbook 2501, 2502 Page 2601 Upstream message header 2602 Transaction code 2603 Store number / account number 2604 PIN 2605 Transaction amount 2606 Passbook information 2607 Cash card information

Claims (3)

Computer
An acquisition step of acquiring a personal identification number key- input by a user and acquiring page information read from a passbook;
And PIN storage area by referring to the account information records to replace the value of any digit position of the personal identification number, the personal identification number keyed by the user, defined by the account information digits A replacement step of replacing the position value with the number indicated by the page information read from the bankbook;
A password determination method comprising: a determination step of determining whether or not the replaced password and the password stored in the storage area match. Personal identification number keyed by the front fog for user includes the character are replaced with numbers the page information indicates,
The replacement process, personal identification number judged according to the value of the digit position of the characters in the personal identification number keyed by the user, the conversion obtain claim 1 placed number indicated page information read from said passbook Method. An acquisition means for acquiring a personal identification number key- input by a user and acquiring page information read from a passbook;
And PIN storage area by referring to the account information records to replace the value of any digit position of the personal identification number, the personal identification number keyed by the user, defined by the account information digits Replacement means for replacing the position value with the number indicated by the page information read from the bankbook;
A personal identification number determination device comprising: a determination unit configured to determine whether the replaced personal identification number and the personal identification number in the storage area match.

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