JP5181442B2 - Automatic transaction apparatus and transaction system - Google Patents

Description

  The present invention relates to an automatic transaction apparatus and a transaction system for performing transactions using a portable terminal device having a non-contact IC card or a non-contact IC chip.

  In recent years, the damage caused by so-called impersonation in which a third party pretends to be the owner of a card and withdraws cash due to theft or forgery of a cash card used for financial transactions or eavesdropping or illegal reading of a password has increased. . As one preventive measure for preventing such damage, there is a movement to switch from a conventional magnetic stripe to an IC card that is difficult to forge or illegally read in a cash card.

  An automatic transaction system that performs transactions using an IC card in this way is disclosed in, for example, Japanese Patent Application Laid-Open No. 11-224373. In the invention described in this publication, transaction information is input in advance to an IC card using an IC card read / write device or an IC card, and the transaction information is reconfirmed by an automatic transaction device to execute transaction processing. Is.

On the other hand, since IC chips are also incorporated in mobile phones in recent years, not only transactions using cards but also transactions using contactless authentication functions using IC chips built into mobile phones will be executed. Is expected. By using the non-contact authentication function of the IC chip, the user can confirm the identity by simply holding the mobile phone over the reading unit of the automatic transaction apparatus and perform a transaction.
JP-A-11-224373

However, since the conventional automatic transaction system using an IC card is a contact IC, when inputting information into the IC card or reading information from the IC card, an IC card read / write device or an automatic transaction device IC card must be set in For this reason, when the IC card is placed in a wallet or card case, it is necessary to remove the IC card from the wallet or card case and set it in the apparatus, which is one obstacle to simplifying the operation.

  In the future, contactless authentication with mobile phones will become common, and if financial institutions start using automatic transaction devices with contactless authentication function, the number of users who perform identity verification at the time of transactions will increase. At the same time, it is expected that there will be an increase in users' desire to register multiple financial institution accounts on mobile phones. However, if multiple financial institution accounts are registered, When a mobile phone is held over the reading unit of the transaction apparatus, it is necessary to determine which of a plurality of registered accounts is to be used.

  An object of the present invention is to provide an automatic transaction apparatus capable of performing a transaction with a simplified operation with a desired IC card even when a plurality of IC cards are contained in a wallet or a card case.

  Another object of the present invention is to provide a transaction system that simplifies operation by a user when a plurality of accounts registered in a mobile phone are selected for transaction.

  In order to solve the above-described problem, a first invention has a non-contact reading unit that reads account information stored in a non-contact IC medium, and each non-contact reading unit stores each account information from a plurality of non-contact IC media. Is read, any account information is selected in accordance with a predetermined priority order, and the selected account is traded.

  The predetermined priority is determined based on information indicating whether or not the fee is high when there is no account of the financial institution when the highest priority is given to whether or not the account of the financial institution to which the automatic transaction apparatus performing the transaction belongs. So that

  According to a second aspect of the present invention, there is provided a portable terminal device that is connectable to a communication line and has registered a plurality of account information, and a reading device that is connected to the communication line and reads the plurality of account information registered in the portable terminal device. An automatic transaction apparatus that executes a transaction, and selects one of the plurality of account information registered in the mobile terminal device in advance and performs a transaction with the automatic transaction apparatus In addition, the account information selected in advance registered in the mobile terminal device is read by the reading unit, and the account is transacted.

According to the first aspect, when each account information is read from a plurality of non-contact IC media by the non-contact reading unit, any one of the account information is selected according to a predetermined priority order, and the transaction of the selected account is performed. Since the transaction is performed, it is possible to simplify the transaction with the desired non-contact IC medium without taking out the non-contact IC medium from the wallet or the card case.

  According to the second invention, when any of a plurality of account information registered in the mobile terminal device is selected in advance and a transaction is performed in the automatic transaction device, the information registered in the mobile terminal device is stored in advance. Since the selected account information is read by the reading unit and the account is transacted, there is no need for the user to select an account when holding the mobile terminal device over the automatic transaction device, simplifying the user's operation can do.

  Hereinafter, embodiments of the present invention will be described with reference to the drawings. Elements common to the drawings are denoted by the same reference numerals. FIG. 1 is a block diagram showing the configuration of the automatic transaction apparatus according to the first embodiment, and FIG. 2 is an external view showing the automatic transaction apparatus according to the first embodiment. First, the automatic transaction apparatus according to the first embodiment will be described with reference to FIG.

  In FIG. 2, the automatic transaction apparatus 1 according to the first embodiment displays a card insertion slot 2 into which a cash card is inserted, a passbook insertion slot 3 into which a bankbook is inserted, guidance for the customer, and the like. Customer operation unit 4 having a touch panel for performing operations, a coin deposit / withdrawal slot 5 to which coins are inserted and ejected, a bill deposit / withdrawal slot 6 to which bills are inserted and ejected, and information from a non-contact IC card A card processing unit 7 for reading and the like is provided. Although not shown, the automatic transaction apparatus 1 is provided with a bill deposit / withdrawal unit and a coin deposit / withdrawal unit, the bill deposit / withdrawal port 6 is connected to the bill deposit / withdrawal unit, and the coin deposit / withdrawal port 5 is It is connected to the coin deposit / withdrawal department.

  In FIG. 1, the automatic transaction apparatus 1 according to the first embodiment includes a control unit 11, a customer operation unit 4, a card processing unit 7, a magnetic card processing unit 13, a passbook processing unit 14, a statement slip processing unit 15, and a bill insertion / removal. A gold part 16, a coin deposit / withdrawal part 17 and a communication control part 18 are provided. The control part 11 controls operation | movement of the automatic transaction apparatus 1 whole, is comprised from CPU etc., and has the memory | storage part 19 inside.

  The card processing unit 7 reads information from a non-contact IC card and writes information to the non-contact IC card, and includes a card selection unit 12. The card sorting unit 12 has a function of selecting one non-contact IC card from the plurality of information when the information of the plurality of non-contact IC cards is read. The magnetic card processing unit 13 is a part that performs magnetic reading, magnetic writing, and the like on the magnetic card that the customer inserts into the card insertion slot 2.

  The bankbook processing unit 14 is a part that performs processing such as printing the transaction contents on the bankbook that the customer inserts into the bankbook insertion slot 3. The statement slip processing unit 15 is a portion that prints the contents of the transaction on the statement slip when a transaction is performed and issues the printed statement slip to the customer. The banknote deposit / withdrawal unit 16 is a unit that is connected to the banknote deposit / withdrawal port 6 and performs a banknote deposit / withdrawal process for a customer. The coin deposit / withdrawal unit 17 is a unit that is connected to the coin deposit / withdrawal port 5 and performs a coin deposit / withdrawal process on a customer. The communication control unit 18 is connected to the host computer via the communication line 20 and controls transmission / reception of communication with the host computer.

  FIG. 3 is a block diagram showing a connection system for an automatic transaction apparatus. In FIG. 3, the automatic transaction apparatus 1 is connected to a host computer 21 of its own bank, and the host computer 21 is connected to host computers 23, 24, 25 of other banks via a network 22. The automatic transaction apparatus 1 can acquire transaction information such as fees of other banks and account balances from host computers 23, 24, 25 of other banks via the host computer 21 of the bank.

  Next, the operation of the first embodiment will be described. Here, the case where a user performs a withdrawal transaction using a non-contact IC card will be described with reference to the flowchart shown in FIG. FIG. 4 is a flowchart showing the transaction operation of the first embodiment.

  When a user appears in front of the automatic transaction apparatus 1, the user is detected by a proximity sensor (not shown), and a transaction selection screen is displayed on the customer operation unit 4 (step 1). When the user selects a transaction he / she wants to perform (step 2), guidance to the user to hold the non-contact IC card over the card processing unit 7 is displayed on the customer operation unit 4 (step 3). This guidance is that when a non-contact IC card is in a wallet or the like, it is only necessary to hold the wallet or the like with the non-contact IC card inserted.

  The user operates to hold the contactless IC card over the card processing unit 7 in accordance with this guidance. At this time, the user holds a plurality of non-contact IC cards in a wallet, and holds the non-contact IC card over the card processing unit 7 in a state of being put in the wallet as shown in FIG. In FIG. 5, the wallet 26 is held over the card processing unit 7, and the wallet 26 stores a plurality of non-contact IC cards. FIG. 5 is an explanatory diagram showing a reading state of the non-contact IC card.

  Next, the control unit 11 transmits a data acquisition command to the card processing unit 7 (step 4). As a result, the card processing unit 7 reads each account information from the plurality of non-contact IC cards in the wallet 26 when the non-contact IC card is brought closer (step 5). The plurality of contactless IC cards store account information such as bank names, branch names, and account numbers, and the card processing unit 7 reads these account information from each contactless IC card.

  The control unit 11 transmits a data acquisition command to the card processing unit 7, and stores the information read by the card processing unit 7 in the storage unit 19 of the control unit 11 (step 6). Next, the control unit 11 determines from the read information whether there is one or a plurality of non-contact IC cards held over the card processing unit 7 (step 7). If it is determined that there is only one contactless card, the process proceeds to a password input process, and the password is verified (step 11).

  In this case, when the non-contact IC card is a bank card of the own bank, it is verified by the host computer 21 of the bank shown in FIG. ). If identity verification is performed by collation, the transaction which the user selected in the automatic transaction apparatus 1 will be performed (step 12).

  If it is determined in step 7 that there are a plurality of non-contact IC cards, the card selection unit 12 of the card processing unit 7 selects the account information of the plurality of non-contact IC cards stored in the storage unit 19. It is searched whether there is a non-contact IC card of own bank (step 8). This is determined because there is bank name data in the read account information.

  When it is determined that there is a contactless IC card of the bank, a transaction is executed using the account information of the contactless IC card of the bank. That is, first, the process proceeds to step 11 where a personal identification number is input to confirm the identity. In this case, since the non-contact IC card is a bank card, the entered personal identification number is verified by the host computer 21 shown in FIG. The transaction selected by the person is executed (step 12).

  When it is determined in step 8 that there is no contactless IC card of its own bank, the control unit 11 uses the communication line 20, the host computer 21 and the network 22 for a plurality of other bank account information. Fee information and balance information are acquired from 23, 24, and 25. Then, from the acquired fee information, the account information with the lowest fee is searched at the present time, and it is determined whether or not there is one non-contact IC card of the account with the lowest fee (step 9).

  When there is one contactless IC card with the cheapest fee, a transaction with the contactless IC card is executed. That is, first, the process proceeds to step 11 where a personal identification number is input to confirm the identity. In this case, since the non-contact IC card is a card of another bank, the entered personal identification number is collated by the host computer (23, 24, or 25) of the other bank shown in FIG. Is performed, the transaction selected by the user is executed in the automatic transaction apparatus 1 (step 12).

  If it is determined in step 9 that there are a plurality of contactless IC cards having the cheapest fee, a contactless IC card having the largest current balance is selected from the plurality of contactless IC cards having the lowest fee. (Step 10). In step 9, the control unit 11 acquires balance information from the host computers 23, 24, and 25 of other banks, and is selected from these balance information. When the contactless IC card with the largest balance is selected, a transaction with the contactless IC card is executed.

  That is, first, the process proceeds to step 11 where a personal identification number is input to confirm the identity. In this case, since the non-contact IC card is a card of another bank, the entered personal identification number is collated by the host computer (23, 24, or 25) of the other bank shown in FIG. Is performed, the transaction selected by the user is executed in the automatic transaction apparatus 1 (step 12).

  As described above, according to the first embodiment, even when a plurality of non-contact IC cards are contained in a user's wallet or the like, these non-contact IC cards are not taken out, and these non-contact IC cards are removed. An optimal card can be selected from the IC cards and executed.

  Next, a second embodiment will be described. The contactless IC card used in the second embodiment stores balance information as transaction information in addition to the bank name, branch name, account number, and the like. The configuration of the automatic transaction apparatus according to the second embodiment is the same as that of the automatic transaction apparatus 1 according to the first embodiment.

  Next, the operation of the second embodiment will be described with reference to the flowchart shown in FIG. FIG. 6 is a flowchart showing the transaction operation of the second embodiment. In the description, the diagram of the first embodiment is used as needed. Here, a case where a user performs a withdrawal transaction using a non-contact IC card will be described.

  When a user appears in front of the automatic transaction apparatus 1, the user is detected by a proximity sensor (not shown), and a transaction selection screen is displayed on the customer operation unit 4 (step 21). When the user selects a transaction he / she wants to perform (step 22), guidance to the user to hold the non-contact IC card with the wallet over the card processing unit 7 is displayed on the customer operation unit 4 (step 23). ).

  The user operates to hold the IC card over the card processing unit 7 in accordance with this guidance. At this time, the user holds a plurality of non-contact IC cards in a wallet, and holds the non-contact IC card over the card processing unit 7 in a state of being put in the wallet as shown in FIG. Next, the control unit 11 transmits a data acquisition command to the card processing unit 7 (step 24). Thereby, the card processing unit 7 reads the transaction information from the plurality of non-contact IC cards in the wallet 26 when the non-contact IC card is brought closer (step 25). The contactless IC card stores transaction information such as bank name, branch name, account number, balance information, etc., and the card processing unit 7 reads these information from each contactless IC card.

  The control unit 11 transmits a data acquisition command to the card processing unit 7 and stores the information read by the card processing unit 7 in the storage unit 19 of the control unit 11 (step 26). Next, the control unit 11 determines from the read information whether the number of non-contact IC cards held over the card processing unit 7 is one or more (step 27). When it is determined that there are a plurality of non-contact IC cards, the bank names of all the non-contact IC cards read by the card processing unit 7 are displayed on the customer operation unit 4 (step 28).

  A display example at this time is shown in FIG. In FIG. 7, the customer operation unit 4 displays the balance of the account together with the bank name. By displaying the balance together, particularly in the case of a withdrawal transaction, it is effective as a judgment material when judging which card to trade. Instead of displaying the amount of balance, as shown in FIG. 8, the balance may be displayed in descending order. In the example shown in FIG. 8, the balances are displayed in descending order from the left. 7 and 8 are explanatory diagrams showing display examples of a transaction card selection screen.

  When any transaction card is selected in step 27 (step 29), the process proceeds to a password input process, and the password is verified (step 30). In this case, when the entered personal identification number is collated by the host computer of the own bank or the other bank and the identity verification is performed by the collation, the transaction selected by the user is executed in the automatic transaction apparatus 1 (step 31). When the transaction is executed, guidance for holding the contactless IC card over the card processing unit 7 is displayed on the customer operation unit 4 and when the user holds the wallet 26 over the card processing unit 7, The card processing unit 7 writes the balance after the transaction in the contactless IC card in which the transaction is performed in the wallet 26. If it is determined in step 27 that the number of held non-contact IC cards is one, the process proceeds to step 30 and the above-described processing is performed.

  As described above, according to the second embodiment, even when a plurality of non-contact IC cards are contained in the user's wallet 26 or the like, the user does not take out these non-contact IC cards and the user can You can trade with your desired contactless IC card. At that time, since the contactless IC card can be selected in consideration of the balance, it is possible to prevent the transaction from being redone due to a shortage of the balance.

  Next, a third embodiment will be described. The configuration of the automatic transaction apparatus according to the third embodiment is the same as that of the automatic transaction apparatus 1 according to the first embodiment. However, in the automatic transaction apparatus according to the third embodiment, transactions of a plurality of contactless IC cards are performed. The contactless IC card of the third embodiment has a function for determining priority, and stores transaction priority information together with account information.

  Next, the operation of the third embodiment will be described with reference to the flowchart shown in FIG. FIG. 9 is a flowchart showing the transaction operation of the third embodiment. In the description, the diagram of the first embodiment is used as needed. Here again, a case where the user performs a withdrawal transaction using a non-contact IC card will be described. Steps 41 to 47 are the same as steps 1 to 7 shown in FIG. 4 of the first embodiment, and a description thereof will be omitted.

  If it is determined in step 47 that there are a plurality of non-contact IC cards, a card selection is made to display each bank name and select one of all non-contact IC cards read by the card processing unit 7 next. Along with the screen, an inquiry screen as to whether to determine the transaction priority of the displayed card is displayed on the customer operation unit 4 (step 48). A display example at this time is shown in FIG.

  In FIG. 10, a card selection screen 31 and an inquiry screen 32 are displayed on the customer operation unit 4. Although only the bank name is displayed on the card selection screen 31, each balance may also be displayed as in the second embodiment. When the inquiry screen 32 is pressed, a screen for determining the transaction priority for the three displayed bank names is displayed.

  When the inquiry screen 32 is pressed by the user in step 48 (step 49), a transaction priority order determination screen shown in FIG. 11 is displayed on the customer operation unit 4 (step 50). On the transaction priority order determination screen, guidance is provided for pressing the displayed bank name buttons in descending order of priority. In this case, you may make it display each account balance with a bank name. Accordingly, when the user presses a bank name button in descending order of transaction priority (step 51), a confirmation screen shown in FIG. 12 is displayed (step 52).

  In FIG. 12, a priority order 33 is displayed below the bank name button on the priority order confirmation screen. If this priority order is acceptable, the user presses the OK button 34. When the redo button 35 is pressed, the transaction priority order determination screen of FIG. 11 is displayed again, and the priority order is selected again.

  When the user presses the OK button 34, the non-contact IC card determined with the highest priority is traded. That is, first, the process proceeds to a password input process, and the password is verified (step 53). In this case, when the entered personal identification number is collated by the host computer of the own bank or another bank and the identity verification is performed by the collation, the transaction selected by the user is executed in the automatic transaction apparatus 1 (step 54). When the transaction is executed, guidance for holding the contactless IC card over the card processing unit 7 is displayed on the customer operation unit 4 and when the user holds the wallet 26 over the card processing unit 7, The card processing unit 7 writes the transaction priority of the card together with the balance after the transaction for the contactless IC card in which the transaction is made in the wallet 26. Further, the respective transaction priority information is written for other non-contact IC cards that have not been traded.

  In step 49, if any of the bank name buttons on the card selection screen 31 is pressed without pressing the inquiry screen 32 for determining the transaction priority order (step 55), the process proceeds to step 53. Transaction processing is performed following verification of the PIN. In this case, since the transaction priority is not determined, only the balance information is written to the contactless IC card that has performed the transaction, and the transaction priority information is not written after the transaction process is executed.

  In a subsequent transaction, when a user selects one of a plurality of contactless IC cards whose transaction priority has been determined and conducts a transaction, the user is determined to have the highest transaction priority. Transactions will be made with contact IC cards. Therefore, the user can execute a transaction without selecting a non-contact IC card. In this case, when the contactless IC card with the highest priority is not in the wallet, the transaction is performed with the contactless IC card with the next highest priority. For example, in the example shown in FIG. 12, when the contactless IC card of bank B with the highest priority is not in the wallet, the transaction is performed with the contactless IC card of bank A with the next highest priority.

  In addition, when a user trades after the next time, a plurality of contactless IC cards brought in a wallet may include a contactless IC card without transaction priority information. In this case, whether or not the transaction priority of the card shown in FIG. 10 is determined after the transaction is completed with the contactless IC card having the highest priority among the contactless IC cards with the transaction priority. The inquiry screen 32 is displayed, and the transaction priority is newly determined among all the contactless IC cards in the wallet.

  As described above, according to the third embodiment, even when a plurality of non-contact IC cards are contained in the user's wallet or the like, the user does not take out these non-contact IC cards and the user can Transactions can be made with a non-contact IC card having a high priority determined by the transaction priority.

  In the above embodiment, when the transaction priority is determined on the screen for selecting the non-contact IC card, the transaction with the highest priority non-contact IC card determined there is executed. The user may select one of the cards on the card selection screen, execute the transaction, and select the non-contact IC card based on the transaction priority order for the next and subsequent transactions.

  Next, a fourth embodiment will be described. In the fourth embodiment, a plurality of pieces of account information are stored in a mobile terminal device, one of the accounts is selected in advance, and then a transaction is performed by an automatic transaction device. FIG. 13 is a block diagram showing a transaction system according to the fourth embodiment.

  In FIG. 13, an automatic transaction apparatus 41 is connected to a business center 42 and a service center 43 of a financial institution via a communication line 20. The automatic transaction apparatus 41 has the same configuration as that of the automatic transaction apparatus 1 according to the first embodiment shown in FIG. 1, and performs transactions such as cash payment, cash deposit, or electronic money charge by user operation. And is connected to the communication line 20. A host computer 44 is provided in the business center 42 of the financial institution, and the host computer 44 determines whether or not to make a transaction such as cash payment or cash deposit with the automatic transaction apparatus 41, and uses a personal identification number. Confirm your identity.

  The money management server 45 is installed in the business center 42 of a financial institution and includes a database 46. The money management server 45 has a function of receiving a request from the automatic transaction apparatus 41 or the like, searching the database 46, extracting information specified by calculation, and transmitting the information to the requesting automatic transaction apparatus 41 or the like. The database 46 stores various types of transaction information when the user performs a transaction with the automatic transaction apparatus 41.

  The service center 43 includes an application service terminal 47 and a database 48. In the database 48, various information of financial institutions, for example, transaction fees at each financial institution are classified and stored by transaction time zone, weekdays, holidays, etc. Yes.

  The portable terminal device 49 is owned by the user of the automatic transaction apparatus 41 and is equipped with a non-contact IC chip. As the mobile terminal device 49, a mobile phone or a PDA (Personal Digital Assistant: mobile information terminal) can be used. The mobile terminal device 49 is communicably connected to the base station 50 and is connected to the communication line 20 via the base station 50.

  Next, the operation of the fourth embodiment will be described. Here, first, an operation in which a user selects an account that he / she wants to trade using the mobile terminal device 49 owned by the user will be described with reference to the flowchart shown in FIG. FIG. 14 is a flowchart showing an account selection operation in the fourth embodiment. Before performing a transaction with the automatic transaction apparatus 41, the user sets which account he / she wants to perform a transaction with using his / her mobile terminal device 49.

  The user first activates the application of the portable terminal device 49 (step 61), and displays a plurality of accounts registered in advance in the portable terminal device 49 (step 62). A display example at this time is shown in FIG. When the user selects one of the accounts (step 63), the fees for the next transaction at a financial institution such as the main bank or another bank are listed in detail by time zone, weekday / holiday, etc. (Step 64). A display example at this time is shown in FIG. Although the fee for each transaction is not displayed in FIG. 16, the fee for each transaction such as withdrawal and transfer is actually displayed.

  The user confirms the transaction fee at the financial institution desired by the list of fees, and presses a save button (not shown) if the account selected by the user is acceptable (step 65). If the account is to be changed, the process returns to step 62 to display the registered account again. When the save button is pressed, the setting content of which financial institution account is used for transaction is saved in the IC chip of the portable terminal device 49 (step 66). Specifically, the stored information includes the account number of the selected account, the name of the financial institution of the account, the branch name, the account name, and the like. The prior account selection by the mobile terminal device 49 is thus completed.

  If the user wants to obtain fee information from a financial institution, the application is started up, connected to the application service terminal 47 via the base station 50 and the communication line 20, and necessary information is obtained from the database 48. can do.

  Next, a case where the user goes to the automatic transaction apparatus 41 and makes a transaction with the automatic transaction apparatus 41 will be described with reference to the flowchart of FIG. FIG. 17 is a flowchart showing a transaction operation according to the fourth embodiment. It is assumed that the user carries a portable terminal device 49 with an account selected in advance. In the description, the diagram of the first embodiment is used as needed.

  When a user appears in front of the automatic transaction apparatus 41, the user is detected by a proximity sensor (not shown), and a transaction selection screen is displayed on the customer operation unit 4 (step 71). A transaction selection screen is shown in FIG. When the user selects the transaction he / she wants to conduct (step 72), as shown in FIG. 19, “insert the card. If you have a mobile phone with an IC function, use the mobile phone. Is displayed on the customer operation unit 4 (step 73). FIG. 18 is an explanatory diagram showing a transaction selection screen, and FIG. 19 is an explanatory diagram showing a guidance display screen.

  The user operates to hold the portable terminal device 49 with the non-contact IC chip over the card processing unit 7 according to this guidance. As a result, the card processing unit 7 reads the information of the account that has already been selected and set in the mobile terminal device 41 when the mobile terminal device 41 is approached (step 74), and the read account information is shown in FIG. Is displayed on the customer operation unit 4 (step 75). As shown in FIG. 20, the displayed account information includes the name of the financial institution of the account, the branch name, the account name, the account name, and the like.

  The display screen shown in FIG. 20 displays a guidance “Please press the confirm button if there is no mistake in your account. If it is not correct, please press the cancel button”, and the user has incorrect account information that he / she wants to trade. If there is no mistake, the confirmation button 51 is pressed. If there is a mistake or if it is desired to cancel the transaction in the displayed account, the cancel button 52 is pressed (step 76). If the cancel button 52 is pressed, the transaction is stopped (step 77).

  When the user presses the confirmation button 51, a transaction is performed for the confirmed account. That is, the personal identification number input screen shown in FIG. 21 is displayed first, and the processing proceeds to the personal identification number input process to collate the personal identification number (step 78). In this case, when the entered personal identification number is collated by the host computer of the financial institution of the account and the identity is confirmed by the collation, the transaction selected by the user is executed in the automatic transaction apparatus 41 (step 79).

  As described above, according to the fourth embodiment, when a plurality of accounts are registered in the mobile terminal device 41, the transaction selection of the automatic transaction device 41 is performed by selecting an account to be traded in advance. There is no need to select an account on the screen, and the transaction time can be shortened. Further, in the fourth embodiment, when an account is selected by the mobile terminal device 49, the transaction fee is displayed and the user is confirmed, so that trouble related to the fee can be prevented in advance. Is possible.

  Next, a fifth embodiment will be described. The transaction system according to the fifth embodiment uses the mobile terminal device 49 as in the fourth embodiment. When a plurality of accounts are registered in the mobile terminal device 49, the account to be transacted When selecting, the fee for each account is displayed as a selection judgment material. The operation of the fifth embodiment will be described with reference to the drawings of the fourth embodiment and the previous embodiment. FIG. 22 is a flowchart showing an account selection operation in the fifth embodiment.

  The user first activates the application of the portable terminal device 49 (step 81), and first displays the screen shown in FIG. 23, and inputs the financial institution name, branch name, installation location, etc. Alternatively, an inquiry is made as to whether or not to select (step 82). On the screen shown in FIG. 23, the user can input and select the name of the financial institution and the installation location. If the user does not input or select on this screen, select “Next”.

  When the user inputs or selects a financial institution name and installation location on the screen shown in FIG. 23 (Y in step 82), the automatic transaction apparatus 41 that performs the transaction is specified, and the mobile terminal device 49 is input or selected. A fee for dealing with a plurality of accounts registered in the automatic transaction apparatus 49 is acquired from the service center 43 (step 83).

  Next, a plurality of accounts registered in advance in the mobile terminal device 49 are displayed in ascending order of fees generated when each account is used (step 84). A display example at this time is shown in FIG. In the display example shown in FIG. 24, a fee is displayed for each time zone in each financial institution, but in reality, a fee is displayed for each transaction such as withdrawal or transfer.

  When the user selects one of the accounts (step 85), a confirmation screen is then displayed (step 86). On the confirmation screen, a confirmation button is displayed together with the selected account information. When the user presses the confirmation button (step 87), information related to the selected account is stored in the IC chip of the portable terminal device 49 (step 88). . Specifically, the stored information includes the account number of the selected account, the name of the financial institution of the account, the branch name, the account name, and the like.

  If it is determined in step 82 that the financial institution name, branch name, installation location, or the like of the automatic transaction apparatus 41 scheduled to perform the transaction is not input or selected, the process proceeds to step 89 and is registered as in the fourth embodiment. Display information for a number of accounts and let the user choose. Steps 89 to 93 are the same as steps 62 to 66 shown in FIG. Thus, the selection of the automatic transaction apparatus 41 and the account in advance by the mobile terminal device 49 is completed.

  Next, the user brings the selected automatic transaction apparatus 41 and the portable terminal apparatus 49 in which the account is registered, and performs a transaction using the automatic transaction apparatus 41. The transaction operation in the automatic transaction apparatus 41 is shown in FIG. Since this is the same as the transaction operation of the fourth embodiment, the description thereof is omitted.

  As described above, in the fifth embodiment, in addition to the effects of the fourth embodiment, when selecting an account to be traded from a plurality of accounts, each account is assigned to each account. Along with the fees that are incurred when used, they are displayed in the order of the lowest fees, so that it is easy to select an account that can be traded at the lowest fee. Therefore, it is possible for the user to surely carry out a transaction with a low fee, and it is possible to avoid an undesirable situation in which a transaction with a low fee is performed with a high fee.

It is a block diagram which shows the structure of the automatic transaction apparatus of 1st Embodiment. It is an external view which shows the automatic transaction apparatus of 1st Embodiment. It is a block diagram which shows the connection system of an automatic transaction apparatus. It is a flowchart which shows the transaction operation | movement of 1st Embodiment. FIG. 5 is an explanatory diagram showing a reading state of the non-contact IC card. It is a flowchart which shows the transaction operation | movement of 2nd Embodiment. It is explanatory drawing which shows the example of a display of the selection screen of a transaction card. It is explanatory drawing which shows the example of a display of the selection screen of a transaction card. It is a flowchart which shows the transaction operation | movement of 3rd Embodiment. It is explanatory drawing which shows the inquiry screen of 3rd Embodiment. It is explanatory drawing which shows the transaction priority order determination screen of 3rd Embodiment. It is explanatory drawing which shows the confirmation screen of 3rd Embodiment. It is a block diagram which shows the transaction system of 4th Embodiment. It is a flowchart which shows the account selection operation | movement in 4th Embodiment. It is explanatory drawing which shows the example of a display of the account selection screen in 4th Embodiment. It is explanatory drawing which shows the example of a display of the fee list display in 4th Embodiment. It is a flowchart which shows the transaction operation | movement of 4th Embodiment. It is explanatory drawing which shows a transaction selection screen. It is explanatory drawing which shows the display screen of guidance. It is explanatory drawing which shows the example of a display of account information. It is explanatory drawing which shows a PIN code input screen. It is a flowchart which shows the account selection operation | movement in 5th Embodiment. It is explanatory drawing which shows the screen for input of the financial institution name and installation place of the automatic transaction apparatus which is going to trade. It is explanatory drawing which shows the example of a display which shows a financial institution name in order with a cheap commission.

Explanation of symbols

1, 41 Automatic transaction device 7 Card processing unit 11 Control unit 26 Wallet 49 Mobile terminal device

Claims (1)

Connectable to a communication line, and portable terminal device that registered the plurality of account information, a display unit,
A reading unit that is connected to the communication line and reads the plurality of account information registered in the mobile terminal device, and an automatic transaction apparatus that executes a transaction;
Select one of the plurality of account information registered in the mobile terminal device in advance, and display a list of transaction fees for each time zone, weekday, holiday of the selected account information,
A transaction system characterized in that, when performing a transaction with the automatic transaction apparatus, the reading unit reads pre-selected account information registered in the portable terminal device and performs a transaction based on the account information.

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