JP5679401B2 - Emergency communication system and method using ATM - Google Patents

Description

  The present invention relates to an emergency contact system and method using an automated teller machine (ATM), and more particularly, from an originator in a specific area where a disaster occurs in an emergency such as a disaster. The present invention relates to a system and method for enabling a person to contact a person who wants to communicate his / her safety.

  When a disaster such as an earthquake occurs, telephone calls to the disaster-stricken area are concentrated for safety confirmation, and the telephone line is congested, making it difficult to connect to the disaster-stricken area (congestion). is there. In such a case, there is a disaster message dial as means for confirming the safety of family members and friends in the disaster area. In the disaster message dial, people in the disaster area (disaster) first call a predetermined phone number with a public phone, subscriber phone, mobile phone, PHS, etc. Voice messages are registered using the telephone number as a key. Thereafter, a person who wants to contact the victim can reproduce the registered message based on the telephone number of the victim, thereby confirming the safety of the victim.

  Further, in the disaster message board service using a mobile phone, the disaster victim can register a message in text on a message board provided by the mobile phone company, using his / her mobile phone number as a key. Thereafter, a person who wants to contact the victim can confirm the safety of the victim by referring to the registered message based on the mobile phone number of the victim. Alternatively, when a contact for transmission (for example, a mail address) is registered in advance, the message registered by the disaster victim can be transmitted to the mail address registered in advance.

  However, in such a disaster message dial or message board service, messages are registered based on the victim's phone number, so the person who wants to contact the victim must know the victim's phone number. In this case, there is a problem that the registered message cannot be reproduced / referenced. For example, regarding a disaster message dial using a fixed telephone, there is a case where the telephone numbers cannot be communicated because each other's telephone number is unknown, and the disaster victim does not have a fixed telephone. Further, in the message board service using a mobile phone, there may be a situation where the user evacuates without having a mobile phone or the mobile phone is not connected. Such a problem is considered to be particularly prominent when victims want to communicate with each other. Further, in the disaster message dial and message board service, even if the victim registers the message, the other party may not be aware that the message is registered.

  The present invention has been made in view of such problems, and an object of the present invention is to enable emergency contact using ATM.

  In order to achieve such an object, the present invention enables the computer system (100) according to the first aspect of the present invention to send an emergency contact message from an ATM terminal when a disaster occurs. In order to do this, the first ATM terminal (122a) connected to the network receives the input data input to the first ATM terminal by the first customer and the message for emergency contact and receives them. The first customer is authenticated based on the inputted data, and the information of the authenticated first customer is retrieved from the first database (132) in which the information of each customer is stored (S206, S208) and authenticated. Recipient account information associated with the first customer is retrieved from the second database (134) in which the recipient information registered in advance by the customer is stored (S2). 0), an ATM server (112) configured to create a message containing the message, the retrieved first customer information, the recipient's account information, and ATM information associated with the first ATM terminal. 114).

  The computer system (100) receives a message from the ATM server, determines whether the received message is a message for emergency communication, and determines that the message is a message for emergency communication. In this case, at least a part of the ATM information included in the message is converted into position information indicating the position of the first ATM terminal (S306), and is included in the position information, the message, and the first customer information. There is provided a host device (110) configured to convert a message to include a name of the first customer and the recipient's account information and to make a message for outgoing.

  When the first ATM terminal is in the emergency mode, the ATM server adds a flag indicating that the message is a message for emergency communication to the message, and the host device adds the flag to the received message. It is possible to determine whether or not the message is an emergency message.

  Alternatively, the host device selects the ATM information related to the first ATM terminal included in the received message and the branch to which the first ATM terminal stored in the third database in the computer system belongs. It can also be determined whether or not the message is an emergency contact message based on the information indicating and the information indicating the identification number previously assigned to the ATM terminal.

  As described above, according to the present invention, in the computer system on the bank side, the ATM server creates a message including a message input from the ATM terminal, and the host device sends the message from the ATM server in an emergency. If it is a message for emergency contact, if it is a message for emergency contact, convert the message and send it, so that an emergency contact can be sent from the ATM terminal to a specific destination in the event of a disaster. A message can be sent.

It is a figure which shows the structure of the example computer system in the system environment by the side of the bank concerning one Embodiment of this invention. It is a flowchart which shows the flow which produces the message | telegram containing an emergency message in an ATM server according to one Embodiment of this invention. It is a flowchart which shows the flow which a host apparatus converts an ATM preparation message into a transmission message according to one embodiment of the present invention. In accordance with an embodiment of the present invention, a process for an ATM server of an ATM terminal accessed by a recipient to retrieve a message addressed to the recipient from the message DB and present the information contained in the message to the recipient It is a flowchart which shows. It is a figure which shows an example of the ATM preparation message produced | generated by the process of FIG. 2 in an ATM server according to one Embodiment of this invention.

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

  FIG. 1 is a diagram showing a configuration of an exemplary computer system on the bank side according to an embodiment of the present invention.

  The computer system 100 includes a host device 110 that controls the entire computer system. The host device 110 is connected to one or a plurality of ATM servers and can control the connected ATM servers (in addition, directly or indirectly ATM terminals belonging to the ATM server). For the sake of explanation, FIG. 1 shows that two ATM servers 112 and 114 are connected to the host device 110, but only one ATM server is connected to the host device 110, and a further ATM server. Can also be connected.

  Each of the ATM servers 112 and 114 is connected to a plurality of ATM terminals over the network, and can control ATM terminals belonging to the ATM servers (ATM terminals 122a and 122b and ATM terminals 124a and 124b, respectively).

  The host device 110 and the ATM servers 112 and 114 can access the ATM information database (DB) 130, the personal authentication DB 132, the pre-registration destination DB 134, and the message DB 136 in the computer system 100. Information can be obtained from each DB. Information can be retrieved and / or stored in each DB.

  The ATM information DB 130 is a database that stores information related to each ATM terminal, such as a terminal number indicating a terminal number assigned in advance to each ATM terminal and a bookstore number indicating a branch to which each ATM terminal belongs. Based on the registered store number, it is possible to specify which branch of the bank each ATM terminal belongs to. Based on the terminal machine number, each ATM terminal is controlled by the branch of the ATM terminal controlled by the specified store number. It is possible to specify which of these terminals (that is, what number of terminals). In addition, when processing is performed at the ATM terminal, the ATM information DB 130 includes information such as the processing date and time when the processing is performed and the terminal processing number assigned by the ATM server to identify each processing. 114 stored.

  The customer authentication DB 132 stores customer information such as account information of each customer. For example, when a customer inserts a cash card into an ATM terminal to withdraw cash and enters a personal identification number, based on the information on the inserted cash card and personal identification number and information stored in the personal authentication DB 132, Customer identity can be verified. Further, when the customer who accesses the ATM terminal is specified by the personal authentication, the account information of the customer can be extracted from the personal authentication DB 132.

  The pre-registration destination DB 134 stores recipient information regarding recipients registered in advance as recipients of emergency messages by each customer. The customer can designate a party to whom he / she wants to communicate his / her safety as a recipient of the emergency message in the event of a disaster, and can register recipient information such as information related to the recipient's account in advance. By storing each customer and the recipient information of the recipient designated as the recipient of the emergency message by the customer in the pre-registration destination DB 134, the customer (sender) in an emergency such as a disaster It is possible to facilitate the transmission of an emergency message to a pre-registered recipient. The recipient information includes information related to the recipient's account, such as the destination bank name, destination branch name, recipient item, recipient account number, and recipient account name. The recipient information may further include recipient email address information and mobile phone email address information. Multiple recipients can be registered in advance.

  The message DB 136 is a database for storing an emergency message to be presented to the recipient. The emergency message to be presented to the recipient can be stored in the message DB 136 in the form of a receiving message (described later) including the emergency message body.

  The host device 110 is connected to an external disaster information providing organization 140 via a network. When a disaster such as an earthquake or eruption occurs, the host device 110 receives disaster information such as the area where the disaster occurred and the extent of the disaster from the disaster information providing organization 140. To do. The disaster information providing organization 140 is a computer system such as a public organization such as the government or an organization that manages and provides private disaster information.

  Here, the flow of a normal transfer process will be briefly described. In a normal transfer process using a cash card, for example, when a customer inserts a cash card into an ATM terminal 122a and enters a personal identification number, and enters information such as the amount of money to be transferred and a transfer destination, The connected ATM server 112 creates a transfer message from the input information and transmits it to the host device 110. The host device 110 performs a withdrawal (withdrawal) process of funds designated by the message from the account of the client designated by the message for transfer received from the ATM server 112. The host device 110 also converts the received transfer message into a common format defined by the Zengin System. The Zengin System is a computer system installed in the National Bank Association (not shown), and transactions between different banks are performed via the Zengin System. When the originating bank (destination bank) and the receiving bank (destination bank) are different (that is, when transactions are between different banks), the host device 110 sends the converted message to the Zengin System, The message is sent to the destination bank via the Zengin System. The computer system of the destination bank receives the message and performs a transfer (payment) process. When the destination bank and the destination bank are the same (that is, when the transaction is in the same bank), the host device 110 performs a transfer (payment) process based on the information of the transfer destination specified in the electronic message.

  In the present invention, such a transfer process is used to enable the victim to contact the other party who wants to know his / her safety. However, the present invention is intended to enable the transmission of an emergency contact message, and is not intended for actual funds transfer. Therefore, in the present invention, the host device 110 does not perform the account processing as described above, that is, the withdrawal process from the client's account and the deposit process to the recipient's account designated as the transfer destination. Specifically, the present invention makes it possible for an ATM terminal in a disaster area to input a message for emergency contact when a disaster occurs (hereinafter referred to as “emergency mode”). The victim is able to send a message to the other party who wants to know his / her safety through the same procedure as the normal transfer procedure (however, the actual deposit / withdrawal is not required). Allows you to tell when and where the message was created. In the following, with reference to FIGS. 2 to 4, an embodiment of the invention will be described which allows a caller to create an emergency message and a recipient to receive and confirm the message.

  FIG. 2 is a flowchart showing a flow of creating a telegram including an emergency message in the ATM server according to an embodiment of the present invention.

  When a disaster occurs in step S200, the host device 110 receives disaster information including the area where the disaster occurred, the extent of the disaster, and the like from the disaster information providing organization 140, and switches to the emergency mode based on the disaster information. Determine the ATM terminal to be used. As described above, the ATM terminal is associated with each branch of the bank, and the ATM information DB 130 includes a store number indicating the branch to which each ATM terminal belongs, a terminal number indicating the terminal number of each ATM terminal, and the like. ATM information is stored. Therefore, the host device 110 determines to switch the ATM terminal installed in a specific area (stricken area) where a disaster exceeding a predetermined standard occurs to the emergency mode based on the received disaster information. Can do. For example, when the branch A is in an area where an earthquake with a seismic intensity of 5 or more has occurred, the ATM terminal 122a, which is the first unit of the branch A, is set in the emergency mode based on the book store number and terminal number included in the ATM information DB 130. You can decide to switch to. It can be determined according to a predetermined standard how much disaster occurs to switch to the emergency mode.

  If it is determined that the ATM terminal 122a is to be switched to the emergency mode, the host device 110 switches the ATM terminal 122a to the emergency mode to the ATM server 112 that controls the ATM terminal 122a in step S202. The ATM server 112 can perform switching. Alternatively, the host device 110 itself can directly switch the ATM terminal 122a to the emergency mode.

  In step S204, the ATM server 112 displays a button for creating an emergency message (hereinafter referred to as an emergency message creation button) on the screen (eg, initial screen) of the ATM terminal 122a. The emergency message creation button is switched to the emergency mode because the ATM terminal 122a is in a disaster area, that is, the ATM terminal 122a can create an emergency message to a specific partner. Indicates.

  In step S206, the customer (sender) in the disaster area sees the screen on which the emergency message creation button is displayed, inserts his / her cash card into the ATM terminal 122a, and enters the personal identification number. Performs authentication of the caller based on the information of the inserted cash card, the input personal identification number, and the information stored in the personal authentication DB 132. The cash card is owned by the sender, and the password is information that only the sender can know. Therefore, according to the present invention, when the emergency message is created and transmitted, the identity of the caller is authenticated by using the cash card and the personal identification number, so that the recipient of the emergency message indicates that the caller is alive. Can be implied. Furthermore, when performing personal authentication by biometric authentication, it can be shown more reliably that the sender is alive. For example, when a cash card for biometric authentication is used, personal authentication is performed based on biometric authentication information (such as finger vein pattern information) presented by the caller and pre-registered biometric authentication information. However, since the biometric information such as the vein pattern is different for each person, if the person is identified by this biometric authentication, it can be shown that the sender is alive. .

  When the information on the cash card and the personal identification number match the information stored in the personal authentication DB 132 and the caller is authenticated as the person, the ATM server 112 is the name of the caller in step S208. The sender information including the client name and the client account information which is the account information of the sender is extracted from the personal authentication DB 132.

  After the personal authentication, in step S210, the ATM server 112 takes out the recipient information registered in advance in relation to the sender from the pre-registration destination DB 134. The recipient information includes a destination bank name, a destination branch name, a recipient subject, a recipient account number, a recipient account name, and the like.

  In step S212, the retrieved recipient information is displayed on the screen so that the sender can select any or all of the recipients.

  Alternatively, recipient information can be added to specify a new recipient. For example, in the same manner as in the ordinary transfer procedure, the recipient's account related information (receiving bank name, receiving branch name, recipient item, recipient account number, and recipient account name) is entered from the screen of the ATM terminal 122a. Accordingly, new recipient information can be added, and an emergency message can be created and transmitted to the recipient. However, considering the input load in an emergency such as the occurrence of a disaster (for example, not knowing the time burden to input or the account information of the recipient in an emergency, etc.), rather than entering new recipient information, It is more preferable that the recipient information registered in advance can be selected.

  The caller can then enter an emergency message. For example, after the caller presses the emergency message creation button, the ATM server 112 can cause the ATM terminal 122a to display a message creation screen on which the caller can input a message. Alternatively, the ATM server 112 causes the ATM terminal 122a to display several selectable fixed phrases on the screen when the caller presses the emergency message creation button, and the caller selects one of the fixed phrases. You can also choose to create a message.

  When the sender selects / inputs the recipient information and the emergency message, and confirms the input contents by pressing the confirmation button or the completion button, the ATM server 112 creates a message (hereinafter referred to as an ATM creation message) in step S214. Called).

  Reference is now made to FIG. FIG. 5 is a diagram showing an example of an ATM creation message created according to an embodiment of the present invention. The ATM creation message includes ATM information related to the ATM terminal 122a, extracted caller information (step S208), selected or input recipient information (step S212), and a selected or input message. It is. The ATM information includes a terminal number (for example, “0001” representing “No. 1”) and a bookstore number (for example, branch code “0002” representing “A branch”) extracted from the ATM information DB 130. The ATM information further includes a processing date and a processing time which are added by the ATM server 112 and indicate the processing date and time at the ATM terminal 122a. As described above, the sender information includes the client name of the client who is the sender, and client account information (for example, client account number). The receiver information includes the name of the receiving bank and the name of the receiving branch. , Payee account, payee account number, and payee account name.

  The ATM created message further includes a flag indicating that the message is an emergency message. In the case of normal transfer processing, it is necessary to input the transfer amount together with the input of the recipient information. In the normal transfer process, it is necessary to input the amount because the purpose is payment. If the transfer amount is not input or is input as 0 (zero) yen, the host device 110 makes an error. However, in the present invention, although the procedure of the transfer process is used, it is possible to send an emergency contact message without actually performing the fund deposit / withdrawal process (that is, without the account process). It is intended. Therefore, in the present invention, the ATM server 112 is triggered by the pressing of the emergency message creation button of the ATM terminal 122a as a trigger to add a flag indicating that the ATM created message is an emergency message. Configure. The host device 110 can determine whether or not the ATM created message is an emergency contact message depending on whether or not the flag is added to the ATM created message from the ATM server 112. As a result, when the ATM creation message is an emergency contact message, the host device 110 can transmit a message without causing an error even if the transfer amount is blank or 0 yen. Can do.

  Alternatively, instead of the flag to the ATM creation message, the host device 110 determines which ATM terminal the received ATM creation message is from, and is a message from the ATM terminal in the emergency mode. In this case, even if the transfer amount is blank or 0 yen, an error can be prevented. As described in relation to step S200, the host device 110 recognizes the ATM terminal that has been switched to the emergency mode. Therefore, the host device 110 can determine from which ATM terminal the ATM created message is based on the ATM information included in the ATM created message.

  Returning to FIG. 2, in step S <b> 216, the ATM server 112 transmits the created ATM creation message to the host device 110.

  Next, processing executed by the host apparatus 110 that has received the ATM creation message will be described with reference to FIG. FIG. 3 is a flowchart showing a flow in which the host device converts an ATM creation message into a transmission message according to an embodiment of the present invention.

  The host device 110 converts the format of the ATM creation message from the ATM server 112 into a common format defined by the Zengin System. As mentioned above, transactions between different banks are carried out via a Zengin system networked with each bank's computer system, where the telegraphic system is used to allow data transmission between different banks. A common format is defined. Therefore, the calling bank needs to convert the transmitted message to a common format used in the Zengin System.

  In this embodiment, the transmission of a message within the same bank, that is, the bank where the sender's account is located (the destination bank) and the bank where the recipient's account associated with the sender is the same (the destination bank) are the same. A message is assumed to be sent at some time. Therefore, although it is not always necessary to convert to a common format, it is preferable to convert a message to be transmitted to a common format in order to enable transmission of the message using an existing transfer process. In the present invention, it is possible to transmit an emergency message by using existing conversion processing without adding a new processing function by replacing the information in the ATM creation message and converting it into a transmission message in a common format. To.

  In step S300, the host device 110 receives a message (ATM creation message) from the ATM server 112.

  In step S302, the host device 110 determines whether the received electronic message is an emergency message. In one embodiment, the host device 110 determines whether or not a flag indicating that the message is an emergency contact message is added to the received message. In another embodiment, the host device 110 identifies the ATM terminal that is the source of the received message, and determines whether the identified ATM terminal is an ATM terminal that has been switched to the emergency mode. By determining based on the information, it is determined whether or not the message is a message for emergency contact.

  If the received message is not an emergency message, the process proceeds to step S303, and a normal transfer process or the like is performed.

  If the received message is a message for emergency contact, the process proceeds to step S304, and the host device 110 specifies the processing date included as part of the ATM information in the ATM creation message as the designated transfer date. As the outgoing message. When the information included in the message is presented to the recipient by setting the message for transmission in this way, the processing date in the ATM terminal 122a, that is, the date when the sender accesses the ATM terminal 122a is presented. Is possible.

  In step S306, the book store number and terminal number included as part of the ATM information in the ATM creation message are converted into position information indicating the installation location of the ATM terminal 122a. For example, when the record store number is “0002” representing the A branch and the terminal number is “0001” representing the first machine, “A CITENT 1” is shown to indicate that the process is performed at the first machine in the A branch. Convert to Gouki.

  Alternatively, instead of the location information indicating the branch name and the ATM terminal number as described above, the location information indicating the address where the ATM terminal 122a is installed may be converted. For example, when the address information where each ATM terminal is installed is stored in the ATM information DB 130, or when the address information is stored in a table (not shown), the host device 110 is connected to the ATM terminal 122a. The address information can be taken out and used as the position information of the ATM terminal 122a.

  In step S308, the host device 110 sets the converted position information and time stamp information in a transmission message. In one embodiment, the time stamp information and location information can be combined and set in one item in the outgoing message (eg, as the destination store name). The time stamp information can be a processing time included in an ATM creation message indicating a time at which processing is performed in the ATM terminal 122a. Alternatively, the time information held by the host device 110 can be set as time stamp information.

  In step S310, the name of the client included as sender information in the ATM creation message is set in the message for transmission. Alternatively, at this time, the client name and client account information included in the ATM creation message are combined, and both the client name and client account information are set as one item in the outgoing message. Can do. In normal transfer processing, typically only the name of the client is notified to the recipient, but not the client account information, but the client name and client account information are sent to one item of the message for transmission (for example, “Request” By setting it to “person name”), the recipient who receives the message can know both the requester name of the sender and the client account information as the “requester name”. In this way, for example, a recipient who has received an emergency message from a victimized client can first confirm the name of the caller indicated as the client name in the message, and then Based on the client account information of the message (for example, client bank name, branch name, account number, deposit account, etc.), the sender can be transferred for financial assistance.

  In step S312, the host device 110 sets the text of the emergency message included in the ATM created message in an appropriate item of the outgoing message. In one embodiment, the text of the emergency message included in the ATM creation message is set in the EDI information of the outgoing message.

  In step S314, the host device 110 sets the recipient information in the outgoing message based on the recipient information included in the ATM created message. The recipient information includes, for example, the destination bank number and destination bank name corresponding to the name of the receiving bank in the ATM creation message, the destination branch number and destination branch name corresponding to the receiving branch name, and the recipient's item. Information related to the recipient's account is included, such as the corresponding deposit type, the account number corresponding to the payee account number, and the payee account name.

  In step S316, the host device 110 sets the bank name of the bank (terminal-installed bank) in which the ATM terminal that is the transmission source of the ATM-generated message is installed in the destination bank name in the message for transmission. In normal transfer processing, the bank name of the bank with the account of the transfer requester is set as the destination bank name in the outgoing message. Therefore, for example, even if the client makes a transfer request from an ATM terminal set up by a bank (bank Y) different from the bank where the account is (bank X), the destination bank of the outgoing message The bank where the client's account is located (X bank) is set. However, in the present invention, the “destination bank name” in the transmission message is not for notifying the bank where the client's account is located, and the client (ie, the caller) is urgent from any bank's ATM terminal. Used to notify the recipient of whether the time message has been sent. Therefore, the host device 110 sets the terminal-installed bank of the ATM terminal that has transmitted the emergency message from the sender to the destination bank name in the outgoing message. In this embodiment, it is assumed that the ATM terminal 122a that is the sender of the ATM creation message is a terminal installed by the bank, so the terminal-installed bank and the bank where the sender's account is located are the same. It is.

  In step S318, the host device 110 transmits a transmission message in which information in the ATM creation message is set in each item. In the present embodiment, since it is assumed that the destination bank and the destination bank are the same bank, no actual transmission is made.

  In step S320, the host device 110 stores a part or all of the message transmitted in step S318 (message transmitted) in the message DB 136 as a received message. In the received message, the processing date is the transfer designation date, the terminal bank name is the destination bank name, and the ATM terminal location information is the destination branch name (or a combination of time stamp information and ATM terminal location information). However, a client name (or a combination of a client name and client account information as a client name) and a message text as EDI information are included.

  The reception message can be stored in an accounting DB (not shown) in which a transfer message in a normal transfer process is stored. However, when the received message is stored in the accounting system DB together with the normal transfer message, for example, the received message is an emergency contact message in the same manner as the ATM created message. It is necessary to take measures to identify that the message is for emergency communication, such as adding a flag to indicate. Therefore, although the reception message can be stored in the same DB as the storage location of the normal transfer message, it is preferable to store the reception message in a separate DB.

  Next, with reference to FIG. 4, a method for a recipient to confirm a message in an embodiment of the present invention will be described. FIG. 4 shows an ATM server 114 of an ATM terminal 124a accessed by a recipient in accordance with an embodiment of the present invention for retrieving a message from the message DB 136 and presenting the information included in the message to the recipient. It is a flowchart which shows a process.

  When the recipient accesses the ATM terminal 124a in step S400, the ATM server 114 connected to the ATM terminal 124a identifies the recipient who has accessed the ATM terminal 124a.

  In one embodiment of the present invention, when some ATM terminals (for example, the ATM terminal 122a) installed in a specific area are switched to the emergency mode, presence / absence of an emergency message from all ATM terminals, In addition, the contents of the emergency message can be confirmed. For example, when the ATM terminal 122a is in the emergency mode, a button (hereinafter referred to as an emergency message confirmation button) capable of confirming an emergency message is displayed on all screens of the ATM terminals 122a, 122b, 124a, and 124b. can do. As a result, the person who has seen any of the ATM terminals 122a, 122b, 124a, and 124b has an ATM terminal (for example, the ATM terminal 122a) that has been switched to the emergency mode, and that the person has been affected by the disaster. Can recognize that an emergency message may have arrived from a person in For example, when a person (recipient) who has seen the emergency message confirmation button on the screen of the ATM terminal 124a presses the button, the ATM terminal 124a inserts a cash card into the recipient, or inserts and verifies the cash card. A number can be requested, and the recipient can be identified based on the information of the inserted cash card or the information of the inserted cash card and the entered password. Alternatively, the ATM server 114 inserts the cash card when the recipient inserts the cash card by pressing the “deposit” button or by pressing the “draw” button. At the time of input, the recipient can be specified based on the information on the cash card or the secret code.

  In step S402, the ATM server 114 determines whether or not a message for reception in which the recipient is designated as a recipient is stored in the message DB 136. For example, the ATM server 114 stores a message addressed to the recipient based on the information on the cash card (or the password) and the information on the other party in the message for reception stored in the message DB 136. Determine if you are.

  When the message addressed to the recipient exists in the message DB 136, the ATM server 114 retrieves the corresponding reception message from the message DB 136 in step S404.

  In step S406, the ATM server 114 outputs information included in the retrieved message. For example, the processing date included in the message as the designated transfer date, the bank name of the terminal installed as the destination bank name, the location information of the ATM terminal included as the destination branch name (or time stamp information and ATM It is possible to output a client name (or a combination of a client name and client account information included as a client name), a message text included as EDI information, and the like. The ATM server 114 can display such information as an emergency message on the screen of the ATM terminal 124a accessed by the recipient. The recipient can confirm that the caller is alive by looking at the screen, and also the content of the message by the caller and when and where the caller sent the message. Can be confirmed.

  As an alternative or addition, information included in the retrieved message can be output on a printable transaction statement or the like.

  Furthermore, such information can also be sent to pre-registered recipients by email. For example, when the recipient's e-mail address is registered in advance in the pre-registration destination DB 134, the host device 110 extracts the recipient's e-mail address information from the pre-registration destination DB 134 and stores it in the message DB. The information in the message can be created as an emergency message and sent to the e-mail address.

100 Computer system on bank side 110 Host device 112, 114 ATM server 122a, 122b, 124a, 124b ATM terminal 130 ATM information DB
132 Identification DB
134 Pre-registration destination DB
136 Message DB
140 Disaster Information Provider

Claims (10)

A computer system (100) for enabling a message for emergency contact from an ATM terminal when a disaster occurs using a transfer message ,
The input data input to the first ATM terminal by the first customer and the message for emergency communication are received from the first ATM terminal (122a) connected to the network, and the received input data is converted into the received input data. The first customer is authenticated based on the information, and the authenticated first customer information is retrieved from the first database (132) storing the information of each customer (S206, S208), and the authenticated Recipient account information associated with the first customer is retrieved from the second database (134) in which the pre-registered recipient information is stored by the customer (S210), and the message and retrieved and the first customer of the information, and the payee's account information, to create the transfer message including the ATM information associated with the first ATM terminal (S214) as in structure Has been, and ATM server (112, 114),
The transfer message is received from the ATM server (112), and it is determined whether the received transfer message is an emergency contact message (S302), and the transfer message is an emergency contact message. When it is determined, at least a part of the ATM information included in the transfer message is converted into position information indicating the position of the first ATM terminal (S306), the position information, the message, and the first Converting the transfer message to include the name of the first customer and the account information of the first customer included in the information of one customer, and the account information of the recipient as recipient information; A computer system (100) comprising: a host device (110) configured to create a transmission message and send the message to the recipient (S318). The ATM server (112) when said first ATM terminal is in an emergency mode, the transfer message, adds a flag indicating that the transfer message is a message for emergency contact,
The host device (110) is configured to determine whether the transfer message is an emergency message based on whether the flag is added to the received message. The computer system according to claim 1. The host device (110) stores the ATM information related to the first ATM terminal (122a) included in the received transfer message and the third database (130) in the computer system. Based on information indicating a branch to which the first ATM terminal belongs and information indicating an identification number assigned in advance to the ATM terminal, it is configured to determine whether or not the transfer message is an emergency message. The computer system according to claim 1, wherein: The host device (110) stores the transmitted message for transmission in a fourth database (136) in the computer system (S320),
When the second ATM terminal (122a, 122b, 124a, 124b) connected to the ATM server is accessed by a second customer, the ATM server (112, 114) is stored in the fourth database. It is determined whether or not a message associated with the second customer is stored (S402). When the message is stored, the message associated with the second customer is extracted and output (S404, S406). The computer system according to claim 1, wherein the computer system is configured. When receiving the disaster information, the host device can input the message among a plurality of ATM terminals (122a, 122b, 124a, 124b) connected to the computer system via a network based on a predetermined standard. The ATM terminal (122a) to be switched to the hour mode is determined (S200), and the ATM server (112) connected to the determined ATM terminal is instructed to switch the determined ATM terminal to the emergency mode. (S202),
The said ATM server (112) is comprised so that the user interface which enables the input of the said message may be displayed on the screen of the determined ATM terminal (S204), The Claim 1 characterized by the above-mentioned. Computer system. In the computer system (100) provided with the host device (110) and the ATM server (112, 114), an emergency communication is made from an ATM terminal connected to the ATM server via a network when a disaster occurs using a transfer message. A method for sending a message for
The ATM server (112) receives the input data inputted to the first ATM terminal by the first customer and the message for emergency contact from the first ATM terminal (122a) connected to the network. Then, the first customer is authenticated based on the received input data, and the information of the authenticated first customer is retrieved from the first database (132) in which the information of each customer is stored ( S206, S208), the account information of the payee associated with the authenticated first customer is retrieved from the second database 134 storing the payee information registered in advance by the customer (S210). Steps,
The ATM server creates a transfer message including the message, the retrieved first customer information, the payee's account information, and ATM information related to the first ATM terminal; Transmitting to the host device (S214, S216);
The host device determining whether the transfer message from the ATM server is an emergency contact message (S302);
When it is determined that the transfer message is an emergency contact message, the host device converts at least a part of the ATM information included in the transfer message into position information indicating the position of the first ATM terminal. Converting (S306);
The host device, the said position information of the first ATM terminal, and the message and, said first customer's name and the first customer account information included in the first customer information, receiving Converting the transfer message so as to include the recipient's account information as the previous information , creating an outgoing message , and sending to the recipient (S318). Method. The ATM server, when the first ATM terminal is in an emergency mode, further comprising the transfer message to the transfer message is to add a flag indicating that it is a message for emergency contact,
The host device determines whether the transfer message from the ATM server is an emergency contact message (S302) based on whether the flag is added to the transfer message. The method according to claim 6, further comprising determining whether the transfer message is an emergency contact message. The step of the host device determining whether or not the transfer message from the ATM server is an emergency contact message (S302) is that the host device includes the first ATM terminal included in the transfer message The ATM information related to the information, the information indicating the branch to which the first ATM terminal belongs, stored in the third database (130) in the computer system, and the identification number given in advance to the ATM terminal The method according to claim 6, further comprising: determining whether the transfer message is a message for emergency communication based on the information. A step wherein the host device, to store that originate the call origination message to the fourth database (136) within the computer system,
When the second ATM terminal (122a, 122b, 124a, 124b) connected to the ATM server is accessed by the second customer, the ATM server sends the second customer in the fourth database. 7. The method of claim 6, further comprising: determining whether or not an associated message is stored, and retrieving and outputting a message associated with the second customer when stored. the method of. When the host device receives the disaster information, an emergency in which the message can be input among a plurality of ATM terminals (122a, 122b, 124a, 124b) connected to the computer system via a network based on a predetermined standard Determining an ATM terminal (122a) to be switched to the mode (S200);
The host device instructs the ATM server (112) connected to the determined ATM terminal to switch the determined ATM terminal to the emergency mode (S202);
The ATM server further includes a step (S204) of displaying a user interface enabling the message to be input on the screen of the determined ATM terminal in response to the instruction. The method described in 1.

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