JP4894869B2 - Automatic transaction equipment - Google Patents

Description

  The present invention relates to an automatic transaction apparatus such as an automatic teller machine (hereinafter referred to as “ATM”) that is installed in a financial institution's store, convenience store, etc., and performs a transaction by a user's operation. The present invention relates to an automatic transaction apparatus that is performed with a mobile phone or the like.

  Conventionally, ATMs installed at financial institution stores, convenience stores, etc., where transactions are made by user operations, include transactions such as deposit, withdrawal, transfer, balance inquiry, bankbook entry, transfer, and PIN change. It is made possible by the operation of. An ATM usually includes an input operation unit (not shown) where a user performs an input operation, a banknote depositing / dispensing machine, a coin depositing / dispensing machine, a passbook bookkeeping machine, a card reader, a receipt printer, a journal printer, and a communication control unit with a host computer. Have.

  On the other hand, Internet banking that uses a personal computer or the like to conduct transactions such as balance inquiry, transfer, loan, and transfer of utility bills via the Internet, and mobile banking that uses mobile phones have become widespread. Mobile phones are equipped with short-range communication interfaces such as non-contact IC chips and infrared communication functions.

  A technique for performing a transaction using a cellular phone in ATM is described in Patent Document 1 and Patent Document 2, for example.

  Patent Document 1 describes an example in which banking, for example, a withdrawal transaction is applied using Internet banking or mobile banking, and later withdrawal is made at an ATM. Specifically, enter your name, account number, personal identification number, etc. on the screen of a personal computer or mobile phone, and send it to the host computer. publish. When the transaction reservation number, password, etc. are input at the ATM, the host computer checks these, and if they match, the ATM pays out predetermined cash.

  In Patent Document 2, a transaction item, a password, an amount, and the like are input using a screen of a mobile phone, written into a non-contact IC chip by a button operation, and a predetermined financial transaction is executed by reading it with an ATM. Technology is disclosed.

JP 2001-273397 A

JP 2001-297198 A

  However, the conventional ATM has an input operation unit for user input operation and guidance, a read / write mechanism for a cash card, and a control unit for controlling these, so the size of the device is small. It became larger and needed a suitable space for the installation site. In the techniques of Patent Documents 1 and 2, the input operation in the ATM is simplified by performing the input operation in advance using a mobile phone. However, since the ATM itself is based on the current apparatus, the ATM housing is used. The body has not been reduced in size.

  In addition, a normal current ATM transaction requires a series of transaction operations such as reading a cash card, entering a PIN, and entering an amount of money. Time is supposed to occur.

  On the other hand, in Internet banking and mobile banking, transactions such as balance inquiry, transfer, loan, and transfer of utility bills are possible, but transactions involving cash deposits and withdrawals were not possible.

Automatic transaction apparatus of the present invention accepts cash submitted by a Subscriber or a handling means for performing a reception port for storing cash is accepted by the user, the separation of the cash, the transport and storage, the A discrimination means for discriminating the authenticity and abnormality of cash, a denomination cassette for storing the cash in denomination, and a first communication means for communicating transaction data to the input / output means carried by the user And second communication means for transmitting / receiving transaction data to / from a host computer having an account file .

The first communication means receives the first transaction information from said input means, and transmitting the first transaction information to the host computer to verify the validity of the transaction by the second communication means the contrast input and output unit, and requests the transmission of the second transaction information by receiving the second transaction information, received second transaction information and compares the first transaction information, When the comparison result is coincident, it is assumed that the transaction is valid, and when it is not coincident, the transaction is invalidated.

The automatic transaction apparatus according to the present invention has the following effects (1) to (3).
(1) Cash communication mechanism, first communication means for communicating transaction data to the input / output means carried by the user, and second communication for transmitting / receiving transaction data to / from the host computer Therefore, it is possible to carry out transactions involving cash deposits and withdrawals, and it is possible to reduce the size of the apparatus and save space.

(2) By inputting transaction data in the user input / output means in advance, the user's operation in the automatic transaction apparatus can be simplified. For this reason, waiting time can be reduced regarding the use of the automatic transaction apparatus.
(3) The first communication means receives the first transaction information from the input / output means, transmits it to the host computer to confirm the legitimacy of the transaction, and then sends the second transaction to the input / output means. Request the transmission of information, receive the second transaction information, compare the received second transaction information with the first transaction information, and if the comparison result is coincident, the transaction is valid, the discrepancy Since the transaction is invalidated, the legitimacy of the user of the input / output means can be determined. Therefore, there is an effect of improving the safety of transactions.

FIG. 1 is a block diagram showing an ATM in Embodiment 1 of the present invention. FIG. 2 is a schematic configuration diagram showing a financial institution billing system and mobile banking according to the first embodiment of the present invention. FIG. 3 is a functional block diagram showing the ATM 10 in FIG. 1 according to the first embodiment of the present invention. FIG. 4 is a flowchart showing the operation (collective input) of the ATM 10 of FIG. FIG. 5 is a flowchart showing the operation (sequential input) of the ATM 10 of FIG. FIG. 6 is a flowchart showing the operation of the ATM 10 of FIG. FIG. 7 is a flowchart showing the operation of the ATM 10 of FIG.

  Modes for carrying out the present invention will become apparent from the following description of the preferred embodiments when read in light of the accompanying drawings. However, the drawings are only for explanation and do not limit the scope of the present invention.

(Configuration of Example 1)
FIG. 2 is a schematic configuration diagram showing a financial institution billing system and mobile banking according to the first embodiment of the present invention.

  An account system of a financial institution such as a bank is a system for managing transactions involving updating of a deposit account ledger, and a host computer 1 having an account file 2 which is a deposit account ledger and a host computer 1 via a communication line 4. And an automatic transaction apparatus (for example, ATM) 10 (= 10-1 to 10-N) connected to the terminal, and a terminal (not shown) installed in a sales store.

  On the other hand, mobile banking is known in which a mobile phone or the like is used to perform transactions such as balance inquiry, transfer, loan, and transfer of utility charges via the Internet. Mobile banking is a bank transaction service that uses the Internet browsing function of the mobile phone 6. In mobile banking, a mobile terminal (for example, a mobile phone) 6 (= 6-1 to 6-N) is connected to the mobile banking server 3 via the Internet 5, and the server 3 is connected via a dedicated line or the like. And connected to the host computer 1.

  Transaction data such as balance inquiry, transfer, loan, and utility bill transfer requested from the cellular phone 6 is transmitted to the host computer 1 via the server 3 and processed by referring to the account file 2 and the like. The cellular phone 6 is equipped with a near field communication interface such as a non-contact IC chip and an infrared communication function.

  Although not shown, Internet banking has almost the same configuration as that of mobile banking. For example, the mobile banking server 3 in FIG. 2 is replaced with an Internet banking server, and the mobile phone 6 is replaced with a personal computer. is there. In internet banking, as in mobile banking, transactions such as balance inquiry, transfer, loan, and transfer of utility bills can be performed using a personal computer.

FIGS. 1A and 1B are configuration diagrams showing an ATM in the first embodiment of the present invention.
This ATM 10 is a banknote depositing and dispensing machine built in a normal ATM, a communication unit 18 that performs infrared communication with a mobile phone 6, a bar code reader unit 19, an IC chip reader / writer 20, and a two-dimensional bar code. A reader unit 21, a keypad 22, and a display unit 23 are added. Hereinafter, each mechanism will be described sequentially.

  Each mechanism part of this ATM10 is connected by the conveyance path 11 of the banknote which is a conveyance means to move cash (for example, banknote). The conveyance path 11 is composed of a belt, a roller, and the like for nipping and conveying banknotes, and has a function capable of conveying in both forward and reverse directions. A switching blade (not shown) is disposed at the branch point of the transport path 11 and is configured to change the transport destination of the banknotes by switching it. The bill transport path 11 is provided with sensors and the like at appropriate intervals to sense the running state of the bill.

  The ATM 10 has a customer service port 12 that accepts banknotes inserted by the user, accumulates banknotes to be withdrawn to the user (hereinafter referred to as accumulation), and the user. It is a mechanism which delivers a bill between. The customer service port 12 can separate and feed out the inserted banknotes one by one by a separation roller mechanism (not shown), and has a function of collecting the dispensed banknotes by an accumulation roller mechanism (not shown). . The transport path 11, the separation roller mechanism, and the stacking roller mechanism constitute handling means for transporting, separating, and stacking bills.

  A temporary storage unit 13 is connected to the customer service port 12 via the conveyance path 11. The temporary storage part 13 conveys the banknote thrown into the customer service port 12 by the user via the conveyance path 11, and accumulate | stores temporarily by the accumulation roller mechanism which is not shown in figure. The temporary holding unit 13 separates and feeds the accumulated deposited banknotes one by one with a separation roller mechanism or the like when the deposit amount is confirmed by the user and the deposit transaction is established, and is conveyed to the denomination cassette 15 to be described later and accumulated. It has a function to do. On the other hand, when the deposit transaction is canceled by the user, the accumulated deposited banknotes are separated and fed one by one by a separation roller mechanism or the like, and returned to the customer service port 12 via the transport path 11.

  A discrimination means (for example, a discrimination unit) 14 for discriminating bills is connected to the customer service port 12 and arranged. The discrimination unit 14 acquires features such as image data of banknotes passed by an optical sensor or the like, and collates the features such as the image data with features such as image data registered in advance in a banknote discrimination database (not shown). Thus, it is configured to discriminate and count bills for authenticity and denomination.

  A denomination cassette 15 (= 15a to 15d) is connected to the discrimination unit 14 and is configured to store 10,000 yen and 1000 yen tickets in denominations. The denomination cassette 15 includes a stage that can be moved up and down (not shown), a mechanism that opens and closes and drops a bill downward. The stored banknotes can be separated and fed one by one by a separation roller mechanism (not shown) provided above the denomination cassette 15. In the first embodiment, the denomination cassette 15 includes ten thousand-note denomination cassettes 15a and 15b and thousand-yen denomination denomination cassettes 15c and 15d, respectively.

  A replenishment / collection cassette unit 16 is connected to the denomination cassette 15 via the transport path 11. The replenishment / collection cassette unit 16 has a replenishment / recovery cassette configured to be removable. The replenishment / collection cassette unit 16 includes a stacking roller mechanism for stacking banknotes on a stage that can be raised and lowered (not shown), a separation roller mechanism for separating banknotes on the stage, and the like. The banknotes loaded by the separation roller mechanism are separated one by one, fed out, and replenished to the denomination cassette 15.

  The ATM 10 has a deposit / withdrawal reject cassette 17. The deposit / withdrawal reject cassette 17 is a cassette for storing banknotes rejected during the deposit / withdrawal process.

  A communication unit 18 and a barcode reader unit 19 for infrared communication with the mobile phone 6 are provided in the vicinity of the customer service port 12. Infrared communication does not cause diffraction because it does not cause diffraction compared to radio communication methods. However, it is difficult to communicate if there is an obstacle, but it is difficult for third parties to intercept. There is a security advantage.

  In addition, the ATM 10 includes an IC chip reader / writer 20 that performs data transmission / reception with the IC chip of the mobile phone 6, a two-dimensional bar code reader 21, a keypad 22 for password input, a liquid crystal display, and the like. have.

  The ATM 10 has an external interface unit 30 for connecting to the host computer 1 and a main control unit 31 for controlling the entire ATM 10 by program control. A storage unit 32 is connected to the main control unit 31, and the storage unit 32 stores a program and various data, and is further configured to temporarily store work data when the program is executed. ing.

  As described above, the ATM 10 includes the transport path 11, the customer service port 12, the temporary storage unit 13, the discrimination unit 14, the denomination cassette 15, the replenishment / collection cassette unit 16, the deposit / withdrawal reject cassette 17, the communication unit 18, the barcode reader unit 19, and the like. It performs the deposit process, the withdrawal process, the replenishment process and the collection process.

  Here, the depositing process is a process of feeding out and counting the bills inserted into the customer service port 12 of the ATM 10 and storing them in the denomination cassette 15. The withdrawal process refers to the banknotes stored in the denomination cassette 15. This is a process of paying out, counting, and accumulating in the customer service port 12.

  The replenishment process is a process in which the banknotes loaded in the replenishment collection cassette unit 16 are fed out and counted, and stored in the denomination cassette 15, and the collection process is fed out and counted in banknotes stored in the denomination cassette 15. In this process, the replenishment / collection cassette unit 16 is stored.

  FIG. 3 is a functional block diagram showing the ATM 10 in FIG. 1 according to the first embodiment of the present invention.

  The ATM 10 has a main control unit 31. The main control unit 31 inputs and outputs transaction data to and from input / output means (for example, a mobile phone) 6 carried by the user. 1 communication means (for example, input-output processing part) 31a and the 2nd communication means (for example, host communication processing part) 31b which communicates and processes transaction data between the host computer 1 are provided.

  The main control unit 31 includes a communication control unit 32 that controls the communication unit 18, a sensor control unit 33 that controls a sensor that senses travel of banknotes in the transport path 11, and a service port control unit 34 that controls the service port 12. Are connected.

  Further, the main control unit 31 includes a temporary holding unit control unit 35 that controls the temporary holding unit 13, a discrimination unit control unit 36 that controls the discrimination unit 14, and conveyance belts and rollers provided in the conveyance path 11. A conveyance motor control unit 37 that controls the motor, a separation roller mechanism that separates the banknotes one by one, a separation and integration motor control unit 38 that controls a stacking roller mechanism for stacking the transported banknotes on the stage, and a host computer 1 is connected to an external interface unit 30 for performing communication with 1.

(Operation of ATM 10 of Example 1)
The operation of the ATM 10 according to the first embodiment will be described by dividing into (1) collective input processing and (2) sequential input processing by taking a withdrawal transaction as an example.

(1) Batch Input Processing FIG. 4 is a flowchart showing the operation (batch input) of the ATM 10 of FIG.

  The operation (collective input) of the ATM 10 in the first embodiment is performed according to the following steps S1 to S12.

  A user who wants to conduct a withdrawal transaction inputs transaction information (drawer), account number, personal identification number, amount, etc. into the mobile phone 6 in advance, and this withdrawal transaction starts by approaching ATM10. Is done.

In step S <b> 1, the account number or the like previously input to the mobile phone 6 by the user is transmitted to the communication unit 18 of the ATM 10 using the infrared transmission function of the mobile phone 6. In step S2, the input / output processing unit 31a of the ATM 10 receives first transaction information such as an account number, and in step S3, the host communication processing unit 31b edits these and transmits them to the host computer 1. When the host computer 1 receives a message from the ATM 10, the account information is read from the customer's account file 2 using the received account number as a key, and the received password and the password held by the host computer 1 are obtained. Determine if they match. The determination result is transmitted to the ATM 10.

If it is determined in step S4 that the personal identification number does not match as a result of the determination by the host computer 1, the user is notified that the transaction is impossible in step S5, and the process is terminated. This notification is displayed on the display unit 23 near the customer service entrance 12 of the ATM 10 and notified. If the passwords match in step S4, the process proceeds to step S6. In step S6, the input / output processing unit 31a receives the second transaction information such as an account number from the communication unit 18 via the communication control unit 32. The request is transmitted to the mobile phone 6 by infrared rays.

In step S7, when the mobile phone 6 receives the transmission request such as the account number, the second transaction information such as the transaction item (drawer), the account number, the password, and the amount once transmitted in step S1 is transmitted by the infrared transmission function. resend. In step S8, the transaction information is received by the input / output processing unit 31a. In step S9, the input / output processing unit 31a receives the second transaction information such as the received account number and the account number held by the ATM 10. And the first transaction information such as is determined to determine whether or not they are the same. If they do not match, the process proceeds to step S10, the display unit 23 is used to notify the user that the transaction is not possible, the withdrawal transaction is stopped, and the process ends.

  In step S9, when the account numbers and the like match, the process proceeds to step S11. In step S11, the ATM 10 counts cash and discharges it to the customer service port 12. In step S12, the host communication processing unit 31b notifies the host computer 1 that the transaction has ended, and the host computer 1 updates the account file 2 upon receiving the transaction end notification.

(2) Sequential input process The sequential input process is an input method for sequentially inputting transaction information such as an account number, deposit amount, and password into the ATM 10, and the batch input process of (1) This is a method in which the user inputs in advance to the mobile phone 6 while the user inputs sequentially while communicating with the ATM 10 by infrared communication of the mobile phone 6.

  FIG. 5 is a flowchart showing the operation (sequential input) of the ATM 10 of FIG. 1 in the first embodiment, and is common to the elements in FIG. 4 showing the operation (collective input) of the ATM 10 of the first embodiment. The code | symbol is attached | subjected.

  The operation (sequential input) of the ATM 10 in the first embodiment is performed according to the following steps S21 to S30 and steps S3 to S12. The process following step S30 is the same as step S3 to step S12 in the first embodiment (1) batch input process.

  In step S21, the withdrawal process is started by transmitting a transaction start request for the withdrawal transaction from the user's mobile phone 6 to the ATM 10 by the infrared transmission function.

  In step S <b> 22, the input / output processing unit 31 a of the ATM 10 transmits an account number input instruction to the mobile phone 6 when receiving the transaction start request. In step S 23, the account number is input to the mobile phone 6 and transmitted to the ATM 10. When the account number is received in step S24, an instruction to input the withdrawal amount is transmitted to the mobile phone 6 in step S25. In step S <b> 26, the withdrawal amount is input to the mobile phone 6 and transmitted to the ATM 10.

  When the withdrawal amount is received in step S27, a password input instruction is transmitted to the mobile phone 6 in step S28. In step S29, the personal identification number is input to the cellular phone 6 and transmitted to the ATM 10. In step S30, the password is received by the ATM 10.

  When the personal identification number is received, transaction information such as transaction item (drawer), account number, withdrawal amount, personal identification number is entered, and thereafter, the same processing as in (1) collective input of Example 1 is performed. Steps S3 to S12 are performed.

  That is, is it possible to transmit the account number in step S3 to the host, and can the transaction in step S4 be performed? Whether the transaction is not possible in step S5, the transaction number is requested in step S6, the account number is requested in step S6, the account number is transmitted in step 7, the account number is received in step S8, the account number is in step S9, etc. The process, the notification process of step S10 is notified, the cash of step S11 is counted, the release process at the customer service port 12 and the notification process to the host of the end of the transaction of step S12 are executed, and this process ends.

(Effect of Example 1)
According to the ATM 10 of the first embodiment, there are the following effects (1) to (3).
(1) A communication unit 18, a communication control unit 32 and an input / output processing unit 31a for communicating transaction data with a mobile phone 6 carried by a user to a banknote depositing and dispensing machine built in a conventional ATM; Since the external interface unit 30 and the host communication processing unit 31b for communicating transaction data with the host computer 1 are provided, the apparatus can be reduced in size and space can be saved.
(2) The user's operation at the ATM 10 can be simplified by inputting the transaction data into the user's mobile phone 6 in advance.
(3) The input / output processing unit 31a receives the first transaction information from the mobile phone 6 and transmits it to the host computer to confirm the legitimacy of the transaction, and then sends the second transaction to the mobile phone 6. Request the transmission of information, receive the second transaction information, compare the received second transaction information with the first transaction information, and if the comparison result is coincident, the transaction is valid, the discrepancy In this case, since the transaction is invalidated, the legitimacy of the user of the mobile phone 6 can be determined. Therefore, there is an effect of improving the safety of transactions.

  The second embodiment is a process in which a user previously performs a provisional withdrawal process by communicating with the host computer 1 via the mobile phone 6 and inputs information related to the provisional withdrawal process in the ATM 10 to withdraw cash. In the ATM 10, communication with the host computer 1 is not performed at the time of withdrawal processing. For example, after the operation of the ATM 10 is completed, communication with the host computer 1 is performed, transaction is collectively performed, and the account file 2 is updated. .

(Configuration of Example 2)
The configuration of the ATM 10 in the second embodiment of the present invention is the same as the configuration in the first embodiment.

(Operation of Example 2)
FIG. 6 is a flowchart showing the operation of the ATM 10 of FIG.

  In the second embodiment, a user performs a provisional withdrawal process in advance using a mobile banking mechanism. For example, a withdrawal transaction is requested from the mobile banking server 3. When a withdrawal transaction is requested, an account number, a withdrawal amount, and a personal identification number are transmitted to the server 3 to determine the legitimacy of the transaction.

  When it is determined that the transaction is valid, the server 3 communicates with the host computer 1, temporarily withdraws the withdrawal amount from the predetermined account file 2, and notifies the mobile phone 6 of the transaction reservation number.

  At this time, the user may designate the installation location of the ATM 10 to be withdrawn, or the server 3 detects the user's location from the position of the mobile phone 6 and designates the nearest ATM 10 installation location. May be. At this time, provisional transaction information including a transaction reservation number is also transmitted to the ATM 10 scheduled to be withdrawn.

  The operation of the ATM 10 in the second embodiment is performed according to the following steps S41 to S46.

  A user who wishes to conduct a withdrawal transaction inputs a provisional transaction information such as a transaction reservation number, a transaction item (drawer), an account number, a password, and an amount in advance to the mobile phone 6 and approaches the ATM 10 This withdrawal transaction is started.

  In step S41, the account number or the like previously input to the mobile phone 6 by the user is transmitted to the communication unit 18 of the ATM 10 using the infrared transmission function of the mobile phone 6. In step S42, the input / output processing unit 31a of the ATM 10 receives transaction information such as an account number. In step S43, the input / output processing unit 31a determines whether or not the transaction reservation number received from the mobile phone 6 matches the transaction reservation number already received from the mobile banking server 3. If not, the process proceeds to step S44.

  In step S44, the user is notified that the transaction is impossible. This notification is displayed and notified on the display unit 23 provided in the vicinity of the customer service port 12 of the ATM 10. If the transaction reservation number matches in step S43, the process proceeds to step S45, where the ATM 10 counts cash and discharges it to the customer service port 12.

  In step 46, the transaction item (drawer), account number, password, withdrawal amount, transaction date and time, etc. are recorded in the storage unit 32 by the recording means (for example, recording unit) 31c.

(Effect of Example 2)
According to ATM10 of the present Example 2, in addition to the effect of Example 1, there exists the following effect. That is, since the user performs a temporary withdrawal process by communicating with the host computer 1 through the mobile phone 6 in advance, the ATM 10 does not need to update the account file 2 in real time, and the withdrawal process is simple and quick. Become. Furthermore, since the network environment does not necessarily have to be a dedicated line, the ATM 10 can be easily installed.

The third embodiment is substantially the same as the first embodiment, but inputs transaction information such as an account number by using a bar code as an input / output means .

(Configuration of Example 3)
The configuration of the ATM 10 in the third embodiment of the present invention is the same as the configuration in the first embodiment.

(Operation of Example 3)
FIG. 7 is a flowchart showing the operation of the ATM 10 of FIG.

  The operation of the ATM 10 according to the third embodiment is performed according to the following steps S51 to S60.

  A user who wants to conduct a withdrawal transaction uses a mobile banking mechanism in advance to enter a provisional transaction information such as a transaction reservation number, transaction item (drawer), account number, and amount into the mobile phone 6 and enter a barcode. The withdrawal transaction is started by making an approach to the ATM 10 in advance.

  Note that provisional transaction information such as a transaction reservation number, transaction item (drawer), account number, and amount may be converted into a barcode and printed on a piece of paper by a personal computer using an Internet banking mechanism.

  In step S51, the bar code reader unit of the ATM 10 displays a bar code displayed on the screen of the mobile phone 6 or a bar code printed on a piece of paper with the account number or the like previously input to the mobile phone 6 by the user. 19 is input to the ATM 10. The input / output processing unit 31a of the ATM 10 receives transaction information such as an account number. In step S52, the host communication processing unit 31b edits these and transmits them to the host computer 1.

  When the host computer 1 receives the message from the ATM 10, it checks the validity of the received transaction reservation number, account number, etc., determines whether or not the transaction is possible, and the result and the password read from the account file 2. The number is transmitted to the ATM 10.

  In step S53, if the result of determination in the host computer 1 is that the transaction is not possible, in step S54, the user is notified that the transaction is impossible, and the process is terminated. This notification is displayed on the display unit 23 in the vicinity of the customer service entrance 12 of the ATM 1 for notification. If the transaction is possible in step S53, the process proceeds to step S56, and in step S56, the input / output processing unit 31a displays a message for prompting the input of the personal identification number on the display unit 23 near the service entrance 12.

  When the password is entered from the keypad 22 by the user, in step S57, the input / output processing unit 31a determines whether the entered password and the password received from the host computer 1 match. . If they do not match, the process proceeds to step S58, the user is notified that the transaction is not possible, the withdrawal transaction is stopped, and the process ends.

  In step S57, when the passwords match, the process proceeds to step S59. In step S59, the ATM 10 counts cash and discharges it to the customer service port 12. In step S60, the host communication processing unit 31b notifies the host computer 1 that the transaction has ended, and the host computer 1 updates the account file 2 upon receiving the transaction end notification.

(Effect of Example 3)
According to ATM10 of this Example 3, in addition to the effect of Example 1, there exists the following effect. That is, when a bar code is printed on a piece of paper, the user can input to the ATM 10 without having the mobile phone 6, and more simple and quick processing is possible.

(Modification)
The present invention is not limited to the above-described embodiments, and various usage forms and modifications are possible. For example, the following forms (a) to (i) are used as the usage forms and modifications.

  (A) An automatic transaction apparatus is not limited to ATM10 installed in the store of a financial institution, a convenience store, etc. Any device that performs transactions by user operations and handles cash can be widely applied.

  (B) In the first and second embodiments, the bill depositing / dispensing machine has been described by providing the communication unit 18 for performing communication with the mobile phone 6 or the like. The part 18 may be provided.

(C) The communication unit 18 has been described as having an infrared communication function. However, the communication unit 18 may be wireless communication such as wireless LAN, Bluetooth (registered trademark) communication, iC communication, or the like. You may communicate with wired.

  (D) In the third embodiment, an example in which a bar code reader is used has been described.

  (E) In the first to third embodiments, the withdrawal transaction has been described as an example, but deposit transactions, transfers, and payment of utility charges are also possible.

  (F) In Examples 1 to 3, the processing of banknotes has been described as an example. However, coins can be deposited and withdrawn by connecting a coin acquisition machine to the ATM 10.

  (G) In the third embodiment, the transaction information is input to the ATM 10 using the barcode, but a two-dimensional barcode may be used instead of the barcode.

  (H) In the first to third embodiments, the mobile phone 6 has been described as the input / output means carried by the user, but a PDA (personal digital assistant) or PHS may be used.

  (I) In the first embodiment, confirmation of the identity of the mobile phone 6 is determined based on whether the transaction information is received again from the mobile phone 6 and matches the transaction information held in the ATM 10, but instead of the transaction information You may determine by the terminal number of the mobile telephone 6. FIG.

1 Host computer 2 Account file 3 Mobile banking server 6 Mobile phone 10 ATM
12 Customer service port 18 Communication unit 19 Bar code reader unit 22 Keypad 23 Display unit 30 External interface unit 31 Main control unit 31a Input / output processing unit 31b Host communication processing unit 31c Recording unit 32 Storage unit

Claims (4)

A customer service entrance that accepts cash entered by a user or accumulates cash accepted by the user;
Handling means for separating, transporting and storing the cash;
A discrimination means for differentiating the authenticity and abnormality of the cash;
A denomination cassette that stores the cash in denominations;
First communication means for communicating transaction data to the input / output means carried by the user;
A second communication means for transmitting / receiving transaction data to / from a host computer having an account file;
An automatic transaction apparatus equipped with
The first communication means includes
Receiving a first transaction information from said input means, and transmitting the first transaction information to the host computer to verify the validity of the transaction by the second communication means, to said output means, requesting transmission of the second transaction information by receiving the second transaction information, received second transaction information and compares the first transaction information, when the comparison result is match, An automatic transaction apparatus having a function that invalidates the transaction when the transaction is valid and does not match.   2. The automatic transaction apparatus according to claim 1, wherein the input / output means is a portable terminal.   2. The automatic transaction apparatus according to claim 1, wherein the input / output means is a bar code.   2. The automatic transaction apparatus according to claim 1, wherein the input / output means is a two-dimensional barcode.

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